No US Tax Returns. No SSN Required. No US Credit History Needed. Qualify Based on the Property.

The United States real estate market is one of the most stable, transparent, and high-return investment markets in the world. Investors from Canada, the UK, Brazil, Mexico, China, India, and dozens of other countries purchase US investment properties every year — and Onyx Capital Lending makes that financing simple. We've funded over $300 million in investor loans since 2016, including foreign national purchases across 48 states. If you're a non-US citizen or non-US resident looking to invest in American real estate, we have a program built specifically for you.

What Is a Foreign National Loan?

A foreign national loan is a real estate investment loan designed for borrowers who are not US citizens or permanent residents. It eliminates the requirements that make conventional US financing inaccessible to international investors — no US credit score, no US tax returns, no Social Security Number required in most cases.

We qualify you based on the property's income or deal strength — not your relationship with the US financial system.

Who Qualifies for a Foreign National Loan?

✅ Non-US citizens residing outside the United States

✅ Non-US citizens residing in the United States on a visa (B1/B2, E, H, L, O, TN)

✅ Canadians, UK nationals, Latin American, European, and Asian investors

✅ Investors purchasing US rental properties (DSCR qualifying)

✅ Investors purchasing fix and flip properties

✅ Buyers of multifamily, mixed-use, or commercial properties

✅ Investors who have been told "no" by US banks due to lack of US credit history

Onyx Capital Lending Foreign National Loan Highlights

FeatureDetailsLoan Amounts$100K – $5M+Loan TypesDSCR, Hard Money, Bridge, Fix & FlipLTVUp to 70%Loan Terms30-year fixed, ARM, short-term bridgeInterest-OnlyAvailableUS Credit ScoreNot requiredUS Tax Returns✅ Not requiredSocial Security Number✅ Not required in most programsPassport + Visa✅ Accepted as identificationITINAccepted where applicableProperty TypesSingle-Family, Multifamily, Mixed-Use, CommercialOccupancyInvestment only — not primary residenceAvailable In48 StatesClose InAs fast as 21 days

What Documents Do Foreign Nationals Need?

While every deal is unique, here's what most foreign national loan programs require:

Identity

Valid foreign passport

Visa (if residing in the US) or proof of residency in home country

Financial Verification

3–6 months of bank statements (foreign bank accounts accepted)

Proof of income or assets from home country (translated if needed)

Reference letter from a foreign bank in some cases

Property Documentation

Purchase contract or property details

Lease agreement or market rent estimate (for DSCR qualifying)

What You Do NOT Need

❌ US Social Security Number (most programs)

❌ US tax returns

❌ US credit score or credit history

❌ US bank account (in most cases)

How Foreign National DSCR Loans Work

For rental property purchases, we use our DSCR program — meaning we qualify the loan based on the property's rental income, not your personal income or tax history.

DSCR = Monthly Rental Income ÷ Monthly Mortgage Payment

If the property generates enough income to cover the mortgage, you qualify. No W-2. No US tax return. No US credit score. The deal qualifies on its own merits.

Most Popular US Markets for Foreign National Investors

Foreign investors consistently target markets with strong rental demand, appreciation potential, and landlord-friendly laws. Our most active foreign national deals include:

MarketWhy Investors Choose ItFloridaNo state income tax, strong short-term rental demandTexasPopulation growth, no state income tax, affordable entryGeorgia (Atlanta)Strong job market, rising rentsNorth CarolinaTech migration, rental demand surgeNew York / New JerseyDense urban markets, long-term appreciationNew EnglandStable, supply-constrained market

We lend in 48 states — wherever the deal makes sense.

The Foreign National Loan Process

Step 1 — Tell Us About the Deal
Property location, purchase price, intended use (rental, flip, hold). We don't need US documents at this stage — just the property details.

Step 2 — Pre-Qualification
We review your financial profile using foreign bank statements or asset documentation and give you a clear picture of what you qualify for.

Step 3 — Property Appraisal
We order an appraisal through a US-licensed appraiser. For DSCR loans, the appraisal includes a market rent schedule.

Step 4 — Document Collection
We'll give you a specific checklist. Most foreign national loan files are simpler than US borrower files because we're not asking for tax returns.

Step 5 — Close
Wire funds, sign documents (can often be done remotely or at a US embassy/consulate), and take ownership. Remote closing options are available for investors who cannot travel to the US.

Foreign National Loan FAQ

Do I need to be in the US to apply or close?
No — you can apply remotely from anywhere in the world. Closings can often be completed via power of attorney or at a US consulate in your home country.

Can I purchase through a US LLC?
Yes — and we recommend it. Many foreign national investors form a US LLC to hold the property. This provides liability protection and simplifies property management.

What currency do I need to pay in?
All US real estate transactions are in US dollars. Your down payment and monthly payments will need to be in USD, typically wired from a foreign bank account.

Can I get a foreign national loan for a short-term rental (Airbnb/VRBO)?
Yes — short-term rentals are eligible under our DSCR program using actual income history or market rate estimates.

What's the minimum down payment?
Typically 30% for foreign national borrowers on DSCR loans. Some programs allow 25% for strong-profile borrowers.

Is there a minimum loan amount?
We typically work with loans starting at $100,000 for foreign national programs.

Can I have multiple properties financed through Onyx?
Yes — portfolio investors with multiple US properties are welcome. We can finance multiple properties across different states.

What if my country's financial documents are not in English?
Certified translations are accepted. We work with international borrowers regularly and are familiar with documentation from major countries.

Why International Investors Choose US Real Estate

Stability — The US property rights system is among the strongest and most transparent in the world

Diversification — USD-denominated assets protect against home-currency risk

Cash Flow — US rental markets in many cities offer strong cap rates

Appreciation — Long-term US real estate appreciation is historically consistent

Liquidity — The US market is one of the most liquid real estate markets globally

From Our International Investors

"As a Canadian investor, I was told by multiple US lenders that I couldn't get financing without a US credit score. Richard found a solution in 48 hours. I now own 3 US rental properties financed through Onyx."
— Marcus T., Toronto, Canada

"The process was seamless. All documentation was handled remotely, closing was done via power of attorney, and I never had to travel to the US. I now have two Florida properties generating strong rental income."
— Elena R., London, UK

Ready to Invest in US Real Estate?

You don't need US credit. You don't need US tax returns. You just need the right lender.