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 a 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 is 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 … (truncated for prompt size; rewriting this path replaces the WHOLE field — output a complete replacement value if you patch this row)