Foreign
Investor Loans
U.S. real estate financing designed for international investors. No U.S. credit history required, ITIN eligible, close in under 3 weeks.
- Finance residential and commercial properties
- No personal U.S. income verification required
- Competitive rates for international buyers
- Fast closings — often in under 3 weeks
- FIRPTA-compliant documentation
- Non-US residents accepted
Designed for International Investors
Foreign investor financing that understands ITIN requirements, FIRPTA compliance, and international documentation standards.
Quick International Process
Apply Online
Global application
Documentation
ITIN & international docs
Approval
Investor qualified
Underwriting
International review
Wire Funds
International transfer
Built for international buyers, not the U.S. credit bureau
No U.S. credit needed
We qualify you on assets, bank statements, and the property's cash flow — not a U.S. credit score or Social Security number.
Foreign nationals welcome
Non-resident investors and ITIN holders qualify. An ITIN stands in for the SSN; passports and visas satisfy identity.
$75K to $50MM
From a single U.S. rental to a large portfolio or commercial asset — up to 75% LTV.
Closes under 3 weeks
Straightforward international documentation and fast underwriting. No balloon payments; 3, 8 & 30-year fixed terms.
40+ states, 25+ years
A commercial lender with real tenure — funding U.S. investment property for international buyers across 40+ states.
No U.S. credit history? You can still qualify
Most U.S. lenders end the conversation the moment they can't pull a domestic credit score. We don't. Foreign nationals and new-to-country investors are welcome — we underwrite your financial strength and the property using assets, bank statements, and the property's cash flow instead of a U.S. FICO.
An ITIN works in place of a Social Security number, passports and visas are accepted, and every file is structured to be FIRPTA-aware. If the property makes sense and the purpose is business, a thin or nonexistent U.S. credit file is not the gatekeeper.
Subject to underwriting. Credit is one factor among assets, property cash flow, LTV, and business purpose.
Financing across the investment spectrum
Foreign-investor financing for a broad mix of business-purpose property. Owner-occupied commercial is eligible; primary residences are not.
Investment Property Types
Ready to Invest Globally?
Our international investor specialists handle ITIN, FIRPTA, and documentation from any country. Get connected with your dedicated global investment advisor.
Not all investment-property loans are equal
| Feature | NCF Foreign Investor Loan | Traditional / bank loan |
|---|---|---|
| Approval based on | Assets, bank statements & the property's cash flow | U.S. credit score & debt-to-income |
| U.S. credit history | Not required | Established U.S. score required |
| Identity / tax ID | ITIN, passport or visa accepted | U.S. Social Security number required |
| Loan size | $75K – $50MM | Often capped around $1–3MM |
| Speed to close | Under 3 weeks | Weeks to months |
| Entity ownership | LLC, corporation or trust welcome | Often restricted |
International Investor Financing
ITIN Financing Explained
Individual Taxpayer Identification Numbers (ITIN) allow non-U.S. citizens to finance U.S. properties without a Social Security number. We provide ITIN-eligible financing for international investors building U.S. portfolios.
FIRPTA Compliance
Foreign Investment in Real Property Tax Act (FIRPTA) compliance ensures proper withholding on property sales. We structure loans for tax-efficient U.S. real estate investments by foreign nationals.
International Investor LTV Tiers
Minimum requirements, diverse property types
Strong financials, stabilized assets
Excellent credit and reserves, strongest files
Foreign Investor Financing FAQ
A 98% loan approval rating
Because we qualify international borrowers on assets, bank statements, and the property's cash flow — not a U.S. credit score — far more foreign-investor applications reach a "yes" than at a conventional bank. When the property is business-purpose and the file is documented, approval comes at a rate banks rarely match.
Fast review, straightforward international documentation, and a real answer — often within minutes of your first submission.
98% loan approval rating reflects historical performance; subject to underwriting and not guaranteed.
Build Your U.S. Real Estate Portfolio
International investors can access competitive U.S. financing without credit scores. Get pre-approved in days with ITIN and FIRPTA support.