Financing Options for International Buyers
Simple and transparent loan options that help international investors build wealth through U.S. real estate.
For foreign nationals and non-U.S. residents.
DSCR Loans
Best for: Foreign investors purchasing rental properties in the U.S., where approval is based on property cash flow rather than U.S. income or credit history.
Why choose it:
No U.S. credit history or W-2 required.
Qualification based on the property’s rental income.
Ideal for international buyers diversifying in U.S. real estate.
Simple entry point to the U.S. market with professional property management support.
Typical requirements:
DSCR ≥ 1.0 (rental income covers loan payments).
25–35% down payment (varies by lender).
Property appraisal with market rent schedule.
Cash reserves required (typically 3–6 months).
Perfect for a $500K Miami condo with 30% down, approved solely on rental income — no U.S. credit needed.
Docs at a glance:
Passport - Bank statements - Proof of funds for down payment and reserves - Lease agreements / projected rental income
Timeline: 30-45 days
Get pre-qualified
Examples provided are illustrative and may not reflect actual lender offers and timeline.
Jumbo Loans
Best for: Foreign investors looking to purchase luxury or higher-value properties in the U.S. that exceed conventional loan limits.
Why choose it:
Access to financing for premium U.S. properties above conforming limits.
Option to buy in prime markets like Miami, Orlando, or New York without full U.S. credit history.
Competitive programs available for international buyers with strong assets.
Great way to diversify wealth and secure long-term appreciation in U.S. real estate.
Typical requirements:
Loan amount above conforming limits (varies by county).
Down payment typically 30–40% for non-resident borrowers.
Proof of funds in international or U.S. bank accounts.
Credit report may not be required if strong assets are documented.
Cash reserves usually 6–12 months of payments.
Property appraisal required (sometimes two for high-value homes).
Ideal for a $1.5M Miami Beach property with 35% down, using international bank statements and proof of funds.
Docs at a glance:
Passport - International or U.S. bank statement - Proof of funds for down payment and reserves - Appraisal(s) of the property
Timeline: 30-45 days
See if I qualify
Examples provided are illustrative and may not reflect actual lender offers and timeline.
Alt-Doc Loans
Best for: Foreign buyers and investors who cannot qualify with traditional U.S. tax returns or credit history, but can show strong income or assets through alternative documentation.
Why choose it:
Qualify using international bank statements, income letters, or assets.
No U.S. credit score required.
Designed for entrepreneurs, professionals, and investors abroad with strong financial capacity.
Provides flexibility if you can’t meet DSCR rental requirements but want access to U.S. financing.
Typical requirements:
12–24 months of personal or business bank statements (international or U.S.).
Down payment usually 25–35%.
Passport and proof of foreign residency.
Reserves required (typically 3–6 months of payments).
Property appraisal with market value confirmation.
Perfect for a $600K Florida property financed with 30% down, using 12 months of business bank statements from your home country instead of U.S. tax returns.
Docs at a glance:
Passport - International bank statements (personal or business) - Proof of funds for down payment and reserves - Appraisal report
Timeline: 30-45 days
See if I qualify
Examples provided are illustrative and may not reflect actual lender offers and timeline.
Pre-Qualification
Quick review of your passport and proof of funds to estimate your buying power.
Documents
Provide basic documents: passport copy, international bank statements, and proof of down payment.
Underwriting
Lender reviews your file, confirms eligibility, and validates property income or assets.
Appraisal & Close
The property is appraised, final approval is issued, and your U.S. closing is scheduled.
Financing Glossary
DSCR
Debt Service Coverage Ratio - A measure of property cash flow calculated as Net Operating Income divided by total debt service (mortgage payments).
LTV
Loan-to-Value ratio - The percentage of the property's value that is financed. For example, an 80% LTV means you're borrowing 80% and putting 20% down.
DTI
Debt-to-Income ratio - Your total monthly debt payments divided by your gross monthly income, expressed as a percentage.
Reserves
Cash or liquid assets held in reserve after closing, typically measured in months of mortgage payments. Required by many lenders as a safety cushion.
Not sure which program fits you?
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Answering your questions
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Information provided is for educational purposes only and should not be considered financial or legal advice. Loan terms, rates, and requirements vary by lender and borrower profile. Please consult with a licensed professional for personalized guidance.