Foreign National Loans

Designed for cross-border investors seeking structured financing, predictable execution, and portfolio-focused lending solutions in the U.S. market.

Start Your U.S. Investment Strategy:

U.S. Investment Financing for Non-Resident Investors

Foreign Investor Financing is structured for non-resident individuals and entities seeking to acquire income-producing real estate in the United States.

Who This Is For:
International investors and ITIN borrowers acquiring U.S. real estate without a U.S. credit history, Social Security Number, or traditional income documentation. Includes investors from Latin America, Europe, Canada, and other markets.

When It’s Used:
When a non-U.S. citizen or non-resident wants to purchase, refinance, or access equity from U.S. investment property using a passport, visa documentation, and asset strength in place of U.S. credit profile.

Why It Matters:
Standard U.S. loan programs exclude most international investors by default. Foreign National and ITIN programs are specifically structured to allow cross-border capital deployment into U.S. real estate – with flexible documentation and no U.S. FICO requirement.

Available for both individual and entity borrowing (including LLC and corporate structures), depending on the investor’s strategy, lender guidelines, and jurisdictional considerations.
In certain jurisdictions, entity vesting is preferred for business-purpose lending to streamline execution and avoid regulatory or foreclosure complexities.

These programs allow acquisition of U.S. property without requiring:

U.S. residency or citizenship
U.S. credit history
Prior U.S. tax filing

We focus on investors from:

Canada
Mexico
Central and South America
The Caribbean

Other jurisdictions may be considered depending on profile and structure.

ITIN borrowers accepted
Foreign national investors welcome
Flexible documentation options

⭐ Advantages

🟢 No U.S. Credit Required: Your international financial profile is evaluated.

🟢 Entity Purchases Allowed: Close in the name of your LLC or corporation.

🟢 Projected Rental Income Accepted: Market rent (Appraisal Form 1007 / AirDNA for STR) may be used.

🟢 Built for Cross-Border Investors: Structured for non-residents building U.S. portfolios.

🟢 Streamlined Closing Process: Designed for efficient execution.

⭐ Requirements

📌 Identification

📌 Valid passport

📌 Visa (if applicable)

Funds:

📌 20%–40% down payment (varies by program)

📌 2–6 months reserves (depending on profile)

Documentation:

📌 Personal or business bank statements

📌 Source of funds verification (AML compliance)

Frequently Asked Questions:

What types of properties are allowed?

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.

What are the approximate costs and rates?

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.

What is the application process?

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.

Do I need a credit history in the United States?

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.

Can I buy in the name of a company?

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.

Can I use income from my country?

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.

Can I buy new properties from builders?

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.

Can I combine this loan with a business?

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.

Why is Glovenco the best option for foreign investors?

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.

Structured U.S. Investment loans for Canadian, Latin American, and Caribbean Investors building income-producing real estate portfolios in the United States.