Foreign National Investment Property Loans
Purchase U.S. investment property as a foreign national.
Explore a business-purpose mortgage path for eligible non-owner-occupied rental property, including scenarios where no U.S. credit score is available.
Purchase financing
A practical path from property selection to underwriting.
Start with the property, down payment, and expected closing date. The mortgage desk, title or escrow team, and lender can then identify the documents and timing to confirm.
Property selected
Share the address, purchase price, contract timing, property type, and intended rental strategy.
Funds for closing
Share where the down payment, closing funds, and reserves are held. Confirm any overseas-account or transfer requirements with the mortgage desk before moving funds.
Name on title
Tell the mortgage desk whether you plan to own the property in your name or through an entity. Confirm lender and title requirements before closing documents are prepared.
Eligible purchase highlights
What affects your down payment?
The loan amount available depends on the property’s rent, type, location, appraisal, and your credit profile. The mortgage desk confirms financing limits after reviewing the request.
- Loan amounts from $150,000 to $2.5 million
- First-time investor scenarios may be eligible
- Vacant or unleased property may be considered
- Gift funds may be considered when contribution, sourcing, and documentation requirements are met
- Property size, use, marketability, and location are reviewed as part of the complete scenario
Before making an offer
Plan the closing before making an offer.
A well-structured offer leaves enough time for appraisal, title, asset sourcing, entity review, and foreign-document verification.
Closing calendar
Contract timing
Discuss the financing deadline and where you will be signing with the mortgage desk and title or escrow team. Ask them to confirm any overseas-signing arrangements before relying on them.
Asset sourcing
Funds trail
Keep complete statements and records of transfers. Ask which source-of-funds records and translations are needed, especially when accounts are outside the United States.
Income strategy
Rental plan
Know whether the property will operate as a long-term or short-term rental because the rent-analysis path differs.
Foreign National Mortgage USA
Review a U.S. investment-property purchase.
Tell us the property state, purchase price, requested loan amount, rental strategy, and expected closing date.
Business-Purpose Investment Financing
This website presents financing intended for eligible non-owner-occupied U.S. investment properties and business purposes only. The subject property may not be occupied by the borrower or the borrower’s family when prohibited by the applicable program, and loan proceeds may not be used for personal, family, or household purposes. View the Business-Purpose Disclosure.
Program availability, occupancy requirements, loan terms, and eligibility are subject to underwriting guidelines, property review, state restrictions, and lender approval.
© 2026 Foreign National Mortgage USA. FFC Mortgage Corp. dba NonQM123, NMLS #3252. Equal Housing Lender. All loan programs, rates, terms, and eligibility requirements are subject to change without notice and are subject to credit review when applicable, property review, underwriting guidelines, and applicable state restrictions. Not all applicants or properties will qualify. This website does not constitute a commitment to lend.
Any rates, payments, loan amounts, LTVs, DSCR figures, or examples shown are for illustrative purposes only and are not guaranteed. Actual terms depend on the complete loan scenario and underwriting approval.