FOREIGN NATIONAL LOAN PROGRAMS

Financing solutions for foreign investors in US real estate.

FOREIGN NATIONAL LOAN PROGRAMS

We work with Real Estate Investors across the US and International Investor looking to diversify in Real Estate Investments, from a single-family home to building a Real Estate Portfolio holding company in the US. REI offers loans to Foreign Nationals seeking capital leverage in the US across all 50 states — with fast closings, No Social Security No US Credit, No US Visa, and No Income Verification, with flexible programs for both new and experienced investors for Domestic and Foreign Investor. Whether you’re flipping your first property or growing your rental portfolio, REI has the right funding solution for you.

Loan Programs We Offer: To Foreign National Investors

  • DSCR Loans (Debt Service Coverage Ratio) – Based on cash flow, not income
  • No Income Verification Required
  • No US Credit Required
  • No Experience Required
  • No US Visa Required
  • Minimal Down Payment of 25% of purchase price
  • Terms: 30 years Rates 6.5 to 8.5%
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Gerardo Patricio de los Reys, CFM, Certified Fund Manager

Tax and Legal Considerations:

  • Foreign owners are subject to US taxes on rental income and capital gains.
  • They need to comply with US reporting requirements, including IRS filings for foreign assets and income.
  • Working with tax professionals familiar with international tax law is recommended to optimize benefits and ensure compliance.
  • Foreign nationals must meet several requirements and follow specific steps to purchase real estate in the US. These include:

Requirements for Legal Eligibility:

  • No visa or citizenship status is required; foreign nationals can buy property regardless of their immigration status.
  • Financial Preparedness:
  • Demonstrate funds for the purchase, either through bank statements, proof of income, or access to cash.
  • Fund Transfer into US Bank 30 days before closing
  • Down payment (typically 25-30%).
  • Tax Identification Number (ITIN):
  • Obtain an Individual Taxpayer Identification Number (ITIN) from the IRS if not eligible for an SSN. This is used for tax reporting and to facilitate the property transaction.

Purchasing Real Estate in the US as a Foreign National Without a US Credit or SSN:

Ownership Rights: Foreign nationals can legally purchase and own real estate in the US without a US credit history or Social Security Number (SSN).

Methods of Purchase: They can buy property using an Individual Taxpayer Identification Number (ITIN) instead of an SSN, through cash transactions, or via financing options with lenders who specialize in foreign national lending.

Banks and Lenders: Some US banks and mortgage lenders offer financing to foreign buyers, though approval may require larger down payments and additional documentation.

Legal Considerations: It’s advisable to work with real estate attorneys and professional’s familiar with foreign investment laws, tax implications, and due diligence to ensure compliance.

Benefits of Owning Real Estate in the US:

Potential for Appreciation: Property values may increase over time, providing capital gains.

Rental Income: Foreign owners can generate rental income, which may be subject to US taxes.

Asset Diversification: Investing in US real estate diversifies assets outside their home country.

Visa Opportunities: Property ownership can sometimes support visa or residency processes (e.g., EB-5 investment programs).

Stable Market: The US has a large, established real estate market with legal protections for owners.

Engage Us as your Real Estate Professionals:

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Disclosure: Loan programs are currently not offered in CA, MN, ND, SD, VT, ID, NV, OR, AZ, and UT.

Jerry Patricio

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