Foreign National Loans for U.S. Investment Property
Non U.S. citizens can finance U.S. investment properties with the right lender. Foreign national loan programs exist for DSCR loans, fix and flip financing, and commercial real estate, with no U.S. credit history required. PeerSense connects international investors with the lenders who close these deals.
Can foreign nationals get commercial real estate loans in the US?
Yes. Foreign national CRE loans are available at 50 to 70% LTV depending on program type (DSCR programs go up to 70%, bridge and no doc CRE at a conservative 50% LTV typically 50 to 65%) for experienced investors with US based properties. DSCR based underwriting with no US credit history required. Bridge and conventional options from $500K to $25M+. Requires larger equity contribution and reserves than domestic borrowers.
Talk to PeerSense on a foreign national file: the capital source sets the terms. Public floor is $10 million and up. Fit follows the property, the sponsor, and the structure. No capital source is named on this page.
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated March 2026.
Eligible collateral is commercial & investment real estate only. The following do not qualify under any PeerSense program, regardless of equity or credit: owner occupied primary residences, second homes, and single family homes you live in (or plan to vacate at closing); and properties in active foreclosure. Pre foreclosure is considered case by case. If it's a home you live in, a residential mortgage broker is the right starting point.
Who This Covers
Foreign national financing is designed for non US citizens purchasing US investment property, commercial real estate, or rental portfolios.
International Investors
Non US citizens purchasing US investment property for rental income, appreciation, or portfolio diversification.
Commercial Property Buyers
Foreign nationals acquiring US commercial real estate: office, retail, industrial, multifamily, or mixed use properties.
Portfolio Investors
Experienced international investors building US rental portfolios across multiple properties or markets.
No US Credit History Required
Foreign national financing programs do not require US credit history, Social Security number, or US tax returns. Qualification is based on the property, your equity position, and foreign financial documentation.
Products Available for Foreign Nationals
Multiple financing options designed specifically for non US citizens purchasing US property and business assets.
Bridge Loans
Short term financing for time sensitive acquisitions or property transitions. Close in 2 to 4 weeks.
Learn MoreDSCR Rental Loans
Qualification based on property cash flow, not borrower income. No US credit history or tax returns required.
Learn MoreCRE Portfolio Financing
Finance multiple properties as a single transaction. Efficient underwriting for experienced investors.
Learn MoreEquipment Financing
Finance business equipment without US credit history. Available for foreign owned US businesses.
Learn MoreDocumentation Requirements
Foreign national financing requires minimal documentation compared to conventional US loans. No US credit history or Social Security number needed.
Passport
Valid passport from your country of citizenship. No US visa or residency required for most programs.
Foreign Bank Statements
3 to 6 months of bank statements from your home country showing proof of funds for down payment and reserves.
Property Appraisal
US property appraisal ordered by the lender. Standard requirement for all commercial real estate financing.
Credit Report (Optional)
Some programs may request a credit report from your home country, but US credit history is not required.
Simplified Process
No US tax returns, no US income verification, no US asset statements. Foreign national financing is designed to work with international documentation standards.
Property Types Covered
Foreign national financing is available for a range of US investment property types.
Residential Investment
Single family rentals, condos, townhomes, and small multifamily properties held for investment income.
Small Commercial
Retail, office, and light industrial properties. Owner occupied or investment. $10M and up.
Portfolio Rentals
Multiple properties financed as a single transaction. Efficient underwriting for experienced investors.
Mixed Use
Properties combining commercial and residential uses. Common in urban and suburban markets.
Frequently Asked Questions
Ready to Invest in U.S. Real Estate?
If you are a foreign national looking to acquire U.S. investment property and the deal makes sense, there is likely a financing program that works. The question is which one, and that depends on your specific situation. PeerSense connects international investors with the right lender for their deal. One conversation. Direct introduction. No runaround.
Or call (317) 452 6990 to discuss your investment directly.