Foreign National Loans
Real estate financing for international investors and non-U.S. citizens purchasing or refinancing residential investment property in the United States — evaluated through non-QM and foreign national lender relationships.
Foreign National Loan Program
Residential investment financing for non-U.S. citizens and international investors — evaluated on passport identification, foreign income, and investment property profile through non-QM lender relationships.
- Loan TypesPurchase, Refinance, Cash-Out
- Borrower ProfileNon-U.S. Citizen, Foreign National
- IdentificationPassport + Additional Government ID
- SSN/ITINNot Always Required
- U.S. Credit HistoryNot Required (select programs)
- Income DocumentationForeign Income Accepted
- Loan Amounts$100K–$5M+
- Property FocusInvestment / Non-Owner Occupied
Who This Program Is For
Foreign national financing for international investors and non-U.S. citizens acquiring investment real estate in the United States through non-QM lender relationships.
Property Types
SFR (Investment)
Primary foreign national target — non-owner occupied residential
2–4 Unit Residential
Income-producing small residential investment properties
Condominiums
Warrantable and select non-warrantable investment condos
DSCR Rental Properties
Cash-flow qualified investment rentals — no U.S. income required
Short-Term Rentals
STR-eligible programs available through select foreign national lenders
Vacation Homes
Case-by-case consideration through select programs
Typical Requirements
Why Gloven Capital for Foreign National Financing
International investor expertise — access to non-QM lender relationships with dedicated foreign national programs for U.S. residential investment property.
- Expertise in foreign national lending — access to non-QM lenders with dedicated international investor programs
- DSCR and income-based programs available — qualify on property cash flow or foreign income documentation
- No U.S. credit history required through select lender relationships
- Passport-only identification accepted in many programs — no SSN or ITIN required
- Investment and DSCR rental financing available — residential income property focus
- LLC and entity vesting accepted — international investors can hold U.S. property in entity
- Bilingual advisory approach — Spanish-speaking team with experience across cross-border investment structures
Ready to Finance Your U.S. Investment Property?
Submit a financing request and a Gloven Capital advisor will review your foreign national borrower profile and identify the right financing program.
Request Foreign National ReviewDisclaimer: Programs, rates, terms, eligibility requirements, and documentation requirements vary by lender and are subject to change without notice. Financing is not guaranteed and remains subject to lender underwriting approval. This page is for informational purposes only and does not constitute a commitment to lend, financial advice, or legal advice. All loan programs are subject to lender credit approval, income verification, property appraisal, and applicable federal and state lending regulations. Not all borrowers will qualify.