Draft — unreviewed sample, not for publication. Pending named-byline and licensed-LO review.
The Foreign National Playbook
Non-resident financing for U.S. investment property: equity expectations, banking and identity docs, and how income is verified from abroad.
· 1 min read
Outline — pending named byline + LO review.
Who this is for
- Non-resident, non-citizen investors buying U.S. property
- Frequently DSCR-qualified, since U.S. tax returns don't exist
Documentation
- Passport / visa identity requirements
- Foreign asset and income verification (translated, sometimes notarized)
- U.S. banking relationship and reserve seasoning
Scenario examples
- [Foreign national STR purchase, Florida]
- [Foreign national long-term rental, LLC title]
Qualification matrix
| Profile | Typical max LTV | Reserves | Notes |
|---|---|---|---|
| DSCR, non-resident | — | — | Expect lower leverage |
What typically goes wrong
Indicative rate range
Add once LO-reviewed.
Estimates only. Actual rates, terms, and approval subject to lender underwriting, appraisal, and qualifying criteria.
We are currently licensed to originate in Texas. For other states this page is educational only and is not an offer to lend.