Structured U.S. investment financing for Canadian, Latin American, and Caribbean investors building income-producing real estate portfolios.

Foreign Investor Financing is available for income-producing residential and select commercial real estate in the United States.

Eligible property types typically include:

• Single-family homes

• Townhomes

• Condominiums

• 2–4 unit residential properties

• Select multifamily and mixed-use properties (case-by-case)

The focus is on assets that demonstrate sustainable rental income and long-term portfolio viability.

Each transaction is structured according to property profile, market stability, and investor strategy.

Rates and closing costs vary depending on:

• Loan-to-value (LTV)

• Property type

• Market location

• Investor profile

• Documentation structure

Foreign national programs generally require:

• 20%–40% down payment

• 2–6 months liquidity reserves

• Standard closing costs, title, and legal documentation

Because these loans are structured for cross-border investors, pricing reflects risk, liquidity, and execution strategy — not U.S. credit history.

We review each scenario individually to align structure and terms before submission.

Our process is structured for clarity and predictability:

• Initial strategy call

• Profile and documentation review

• Term structuring and lender alignment

• Underwriting and appraisal

• Closing coordination

We focus on pre-aligning the transaction before submission to reduce surprises and protect execution timelines.

No.

U.S. credit history is not required.

Your international profile, liquidity, and asset strength are evaluated instead. Depending on the structure, lenders may consider:

• International credit references

• Bank statements

• Asset statements

• Global income documentation (when applicable)

The underwriting focus is on risk mitigation and capital stability — not U.S.-based FICO scoring.

Yes.

Purchases may be completed under:

• U.S. LLC

• Corporation

• Foreign entity (depending on structure)

Many foreign investors prefer entity ownership for:

• Liability protection

• Tax planning

• Portfolio scalability

We coordinate with your legal and tax advisors when needed to ensure the structure aligns with your long-term strategy.

Yes — depending on the program.

Some lenders evaluate:

• Foreign income documentation

• Bank statements

• Asset-based qualification

• Projected rental income

In many cases, qualification is based primarily on the property’s income potential rather than personal employment history.

Each case is structured according to lender appetite and investor profile.

Yes.

New construction properties are eligible, provided they meet:

• Market rent support

• Appraisal standards

• Acceptable builder credentials

For investors targeting growth markets (such as Florida and major metropolitan areas), new construction can be a strong portfolio entry strategy.

These programs are designed specifically for real estate acquisition.

However, investors who operate businesses abroad may qualify based on:

• Business income documentation

• Corporate liquidity

• Asset-backed structuring

For business acquisitions unrelated to real estate, we offer separate capital solutions under our business division.

Glovenco operates as a cross-border structuring partner — not simply a loan originator.

We specialize in:

• Structured execution across Canada, Latin America, and the Caribbean

• Portfolio-focused lending strategies

• Entity-based acquisitions

• Lender alignment before submission

• Clear communication in cross-border transactions

Our approach is strategic, not transactional.

We align capital structure with long-term investor objectives — whether the goal is single-asset acquisition or multi-property portfolio growth in the United States.