Finding your place in the American real estate market offers more than just a property deed. It’s about opening doors to new possibilities—a sunny vacation spot for family gatherings, a smart addition to your investment portfolio, or simply a comfortable home away from home. Yet for many international buyers or Foreign Nationals, this straightforward goal often hits a roadblock with a financing system that wasn’t designed to recognize financial credentials earned outside the U.S.
At LendSure Home Loans (LendSure), we believe your financial background should be recognized regardless of where it was established. Our Foreign National Loan Program provides structured financing solutions accommodating international investors’ financial profiles. We’ve developed lending solutions specifically designed for the unique circumstances of international buyers.
What Are Foreign National Loans?
Foreign national loans provide a specialized approach to U.S. real estate financing for non-U.S. citizens. Unlike traditional loans that rely on U.S. tax returns and credit history, these Non-QM mortgage options allow international investors to qualify based on alternative income verification methods, ensuring that access to U.S. real estate is within reach.
With LendSure’s Foreign National Loan Program, investors can qualify based on:
✔ A letter from an employer or CPA verifying income
✔ Letters from credit providers
✔ Rental income from investment properties using Debt Service Coverage Ratio (DSCR)
By focusing on real-world financial strength rather than rigid credit requirements, this loan program creates more opportunities for international investors to finance property in the U.S.
How Foreign National Loans Work: A Simple Qualification Process
Unlike conventional loans that require extensive personal financial history, LendSure’s process is designed for efficiency and accessibility. Here’s what international investors need to qualify:
1. Income Verification, Simplified
LendSure accepts an income verification letter from an employer or CPA instead of tax returns, making the process smoother for global borrowers. For investment properties, qualification is based on rental income using the DSCR method.
2. Loan Amounts & Cash-Out Flexibility
- Loan amounts up to $1,000,000
- Cash-out refinancing up to $500,000 for reinvestment or liquidity
- Loan-to-value (LTV) up to 75% for purchases and rate & term refinances
- LTV up to 70% for cash-out refinances
3. Visa Flexibility & No U.S. Credit Required
LendSure accepts various visa types, including B1, B2, F1, and H-series visas. For investors without U.S. visas, a no-Visa program is also available. Additionally, foreign credit reports or bank reference letters can be used instead of a U.S. credit score.
4. Property Types That Work for Investors
Foreign national loans are available for:
✔ Second homes – Enjoy a vacation retreat in the U.S.
✔ Investment properties – Generate rental income with a property designed to work for you
Why Foreign Nationals Invest in U.S. Real Estate
The U.S. real estate market is one of the most stable investment environments globally, offering strong appreciation potential and a high demand for rental properties. Some of the biggest benefits for international buyers include:
✔ Market Stability – The U.S. housing market has a track record of steady growth.
✔ Wealth Diversification – Owning U.S. real estate adds international diversity to an investor’s portfolio.
✔ Rental Income Opportunities – Investment properties can generate consistent monthly cash flow.
✔ Favorable Interest Rates – Non-QM financing options offer competitive rates and terms.
With LendSure’s specialized loan programs, international investors don’t have to navigate this process alone.
Real-World Scenario: How a Foreign National Buyer Secured U.S. Financing
DISCLAIMER: The following scenario is hypothetical and provided for illustrative purposes only. Available interest rates and loan amounts may vary as market conditions change frequently. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, credit history, the location and type of the property, and other factors determined by LendSure.
Carlos, an international investor from Brazil, wanted to purchase a condo in Miami as an investment property. The unit was valued at $800,000, and Carlos planned to finance $600,000 through a loan.
Since Carlos didn’t have a U.S. credit score, traditional banks required extensive documentation, including U.S. tax returns, which he didn’t have. Instead, he turned to LendSure’s Foreign National Loan Program.
✔ Loan Type: Investment property loan
✔ Loan Amount: $600,000
✔ Income Verification: CPA letter confirming business income
✔ Loan Approval Timeline: Pre-qualified in days, funded within weeks
Because LendSure focused on property cash flow and international credit verification, Carlos could secure the loan he needed without unnecessary roadblocks.
Why Work with LendSure for Foreign National Loans?
LendSure Home Loans is a trusted lender for international buyers, offering:
- A dedicated team specializing in foreign national financing
- Fast pre-qualification and approval timelines
- Flexible income verification and documentation requirements
- Loan terms built for investors and second-home buyers
Our goal is simple: Make U.S. real estate financing easy for foreign nationals to invest confidently.
