U.S. Real Estate Mortgage Advisory for Foreign Nationals
Specialized U.S. Real Estate Mortgage Solutions
With 15+ years of cross-border financing expertise, InvestSouth structures remote mortgage approvals for international investors acquiring high-yield rental assets in Florida.
Request Mortgage Assessment01. Liquidity & Capital
Requires 30% to 40% down payment plus reserves. We structure global proof-of-funds to satisfy U.S. institutional guidelines.
02. DSCR Loan Qualification
Underwritten based on subject property cash flow rather than personal international tax returns or local income history.
03. Turnkey Closing
From bank references and LLC formation to escrow execution, our team oversees the complete underwriting pipeline.
Foreign National Financing FAQ
Essential guidance on securing U.S. mortgage approval as an international investor.
A Debt Service Coverage Ratio (DSCR) loan qualifies buyers based solely on the property's rental income potential rather than personal tax returns or local income in your home country. If the projected market rent covers the mortgage payment (PITI), the loan is approved.
No. Specialized Foreign National loan programs do not require an SSN or local U.S. credit history. Lenders evaluate your international bank reference letters, credit card statements, and proof of liquidity instead.
Foreign National mortgages typically require a 30% to 40% down payment, depending on the asset type and loan program. The remaining 60% to 70% is financed in USD through institutional U.S. lenders.
Yes, most Foreign National lenders mandate closing under a U.S. LLC to protect the asset and provide tax efficiency. InvestSouth assists with entity formation, EIN registration, and setting up corporate U.S. bank accounts remotely.
Yes. 100% of the underwriting, document submission, and legal closing can be executed remotely through online notarization or at a U.S. Embassy/Consulate in your country of residence.