Residential Investment

Foreign National Investment Loans

Invest in U.S. Real Estate With Specialized Financing.

Financing options for eligible international investors purchasing or refinancing U.S. investment real estate.

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Business-purpose financing

In plain words

Financing for eligible international investors buying or refinancing U.S. investment property, without a U.S. credit score with some programs.

Benefits

  • A U.S. credit score is not required with some programs.
  • Qualify with the property's rental income, or documented income under some programs.
  • Ownership through a U.S. LLC or corporation is available with some programs.
  • Purchase, refinance and, with some programs, cash-out.

Eligible property types

  • Single-family homes and 2 to 4 unit investment properties.
  • Condominiums, including some non-warrantable condos and condo hotels with some programs.
  • Townhomes and planned unit developments.

Financing purposes

  • Purchase.
  • Rate and term refinance.
  • Cash-out refinance with some programs.

General qualification considerations

  • A U.S. credit score is not required with some programs; others may ask for credit reference letters.
  • Qualification can use the property's rental income, or documented income under some programs.
  • Expect a larger down payment than many U.S. resident programs.
  • Funds usually must be verified and, with some programs, held in a U.S. account for a period before closing.
  • Ownership through a U.S. LLC or corporation is available with some programs.
  • Lenders screen every borrower against U.S. sanctions lists, and borrowers from some countries are not eligible.
  • Second homes are not part of this financing center; investment properties only.

Basic documentation checklist

Do not send documents through the inquiry form. After we talk, our team explains how to share them securely.

See the full document checklist

  • Valid passport.
  • Visa or U.S. entry documents, when the program requires them.
  • Proof of foreign residence.
  • Bank statements, translated into English with amounts shown in U.S. dollars, shared later through a secure process.
  • Credit reference letter, with some programs.
  • Purchase contract, lease or market rent information, and insurance information.
  • Entity documents, if a U.S. company will own the property.

Frequently Asked Questions

Do I need a U.S. credit score or Social Security number?

Not with some programs. They can use international documentation instead. Our inquiry form never asks for a Social Security number.

Can I buy through a U.S. LLC?

Some programs allow ownership through a U.S. LLC or corporation, with the owners guaranteeing the loan.

Can I use the property as a vacation home for myself?

Not through this financing center. These programs are for investment properties only.

How much will I need for a down payment?

Usually more than a U.S. resident investor. The amount depends on the program and the property, and we review it with you.

Learn More

Related programs and tools to help you prepare.

Related programs

Tools and guides

Request financing for this program

Send a short inquiry with the basics about your property. Our team will review it and contact you to discuss available options.

Request Financing Call 516-777-0385

Financing disclosure

Plan A Realty Corp. facilitates business-purpose investment and commercial real estate financing. All programs are subject to lender availability, underwriting requirements, borrower and property eligibility, and applicable laws. Submission of an inquiry does not constitute loan approval or a commitment to lend.

Investment and business-purpose properties only. Homes you or your family will live in are not part of this financing center.

Contact Plan A Realty Corp.