Foreign National

🌍 Foreign National Mortgage Program – Investment Property Financing for International Buyers

At Resolute Lending, we specialize in helping non-U.S. citizens and international investors finance investment properties in the United States. Our Foreign National Mortgage Program offers a streamlined solution that focuses on the property's income potential rather than the borrower's U.S. credit history or income documentation. Borrowers must reside and work in their home country. This is a DSCR program with a 1:1 ratio on cash flow. This means that this loan is incredibly easy to do - no income or U.S. credit required to qualify.

🏘️ Ideal for:

• International investors seeking to purchase or refinance U.S. investment properties
• Borrowers without U.S. credit history or income documentation
• Clients aiming to diversify their real estate portfolio in the U.S. market

✅ Key Features:

• Loan Amounts: Up to $1.5 million, with a minimum of $100,000
• Property Type: Non-owner-occupied investment properties only
• Loan Purpose: Purchase, cash-out, or rate-term refinance
• Qualification: Based on Debt Service Coverage Ratio (DSCR) with a minimum ratio of 1:1
• Residency: Borrower must live and work outside the U.S.
• Ownership: Closing in a U.S. LLC entity permitted
• Reserves: 12 months' reserves required; can remain in the borrower's home country
• Assets: Must be sourced and seasoned for 60 days; held in a U.S. FDIC-insured bank for at least 30 days
• Payment: ACH auto-payment required
• Visa Requirements: Eligible visas include B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P-1, P-2
• Credit Score: No U.S. credit score required
• Loan Term: 30-year fixed mortgage only
• Maximum Loan-to-Value (LTV): 70%
• Seller Concessions: Up to 3% allowed
• Restrictions: No gift funds permitted 

Ready to invest in U.S. real estate?

Contact Resolute Lending today to explore your options with our Foreign National Mortgage Program and take the next step toward your investment goals.