Foreign National Mortgages & Financing
Get a U.S. rental property loan as a foreign investor.
Get connected with licensed U.S. mortgage lenders who can pre-approve foreign nationals for rental property financing, often within 24 hours. The lenders we refer you to don’t require U.S. credit, U.S. income, a visa or residency.
Please note: Cashflow Rentals (CFR Property Consultants LLC) is not a mortgage broker or lender and does not offer, negotiate or arrange loans. We provide general information about financing for foreign nationals and refer you to licensed lenders, who arrange, underwrite and fund all financing directly. Cashflow Rentals does not receive any compensation from lenders or brokers for referrals. The content on this page is written by David Garner, co-founder of Cashflow Rentals, who has personally bought more than 120 U.S. rental properties as a foreign national and secured over $5.5 million in DSCR financing in his own name. Rate, leverage and reserve figures are indicative and should be confirmed with the lender at the time of application.
Lending services are provided by Waltz. © Waltz, Inc. 2026. All rights reserved. NMLS ID No.: 2615658 (NMLS Consumer Access). Loans are made by Waltz Capital Fund 1, LLC and Waltz Capital Fund 2, LLC in all States except Arizona. In Arizona, loans are originated by Waltz Mortgages, LLC, licensed by the Arizona Department of Insurance and Financial Institutions under Mortgage Banker License No. BK-2015340 and Mortgage Banker Branch License No. BK-BR-2015341 (21610 W Hillcrest Blvd, Buckeye, AZ 85396), NMLS ID No.: 2620819 (NMLS Consumer Access).
How U.S. Rental Property Loans for Foreigners Work
DSCR lenders mainly assess whether a property’s rental income covers its costs to carry (PITIA), rather than your personal income.
- Lenders assess the property’s rental income, not your salary
- No U.S. credit, residency, visa, or SSN required by the lenders we refer you to
- Up to 75% LTV from the lenders we refer you to, with 30-year fixed-rate options
Do You Need Residency, a Visa, or an SSN?
The lenders we refer you to don’t require you to live in the U.S., hold a visa or Green Card, or have a Social Security Number.
What Lenders Don’t Require
- U.S. residency
- A visa or Green Card
- A Social Security Number
- A U.S. credit history
What Lenders Look At Instead
- The property's rental income
- Operating expenses and net cash flow
- Current market value
- Your ID, down payment and cash reserves
We’ve referred investors from Canada, Australia, the United Kingdom, Argentina, Chile, Colombia, Ecuador, Germany, Taiwan, and many other countries to lenders who have financed their U.S. rental properties.
Two ways to get started
Get matched with your first property
- Fully renovated, cash flowing rentals
- Matched to your buy box and budget
- Guided end to end, fully remote
The Foreign Investor Starter Kit
- Plain-English guides and checklists
- Free calculators to run the numbers
- Learn the ropes, no pressure
Your Journey to U.S. Ownership
Licensed lenders can pre-approve foreign nationals for rental property financing, often within 24 hours.
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Speak to an Expert
Speak with our team, foreign investors ourselves, about how financing works for foreign nationals.
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Loan Pre-Approval
The licensed lender we refer you to reviews the property and issues a pre-approval with specific mortgage terms.
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Underwriting
When you buy the property, the lender handles underwriting and final approval, working with you directly.
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Closing & Ownership
You sign your final loan documents online with the lender and title company, and move into long-term ownership.
Foreign National Financing FAQs
Can I get a U.S. mortgage as a foreign investor?
Yes. Foreign national mortgage programs are designed specifically for overseas buyers of U.S. real estate. Depending on the program, you can qualify without U.S. residency, a visa, a Green Card, a Social Security Number, or a U.S. credit history, because lenders focus primarily on the property's rental income, market value, and suitability for financing.
Do I need a Social Security Number or U.S. credit history to qualify?
No. Most foreign national rental property loans do not require a Social Security Number or a U.S. credit history. Qualification is usually based on the property's income, your available capital, and sometimes your investment experience, rather than personal employment income or domestic credit.
What are typical loan terms for foreign national mortgages?
Terms vary by lender, but typical foreign national rental property programs offer up to 75% loan-to-value, 30-year fixed and fully amortizing options, purchase and refinance including cash-out, multifamily financing up to 8 units, short-term rental financing, and minimum loan amounts starting around $100,000.
How much money do I need to invest?
You should typically expect a down payment of around 25% to 30%, plus closing costs and lender fees, inspection and appraisal costs, entity setup costs, and reserve funds required by the lender. For example, a $200,000 rental property might require roughly $60,000 down, about $7,500 in closing costs, and around $3,000 in cash reserves.
Is Cashflow Rentals a mortgage broker or lender?
No. Cashflow Rentals (CFR Property Consultants LLC) is not a mortgage broker or lender and does not offer, negotiate or arrange loans. We provide general information about financing for foreign nationals and refer you to a licensed lender, Waltz, Inc., NMLS ID No. 2615658 (NMLS Consumer Access), which arranges, underwrites and funds the financing directly with you through its lending entities, Waltz Capital Fund 1, LLC and Waltz Capital Fund 2, LLC (in Arizona, Waltz Mortgages, LLC, NMLS ID No. 2620819). We do not receive any compensation from lenders or brokers for referrals.
Ready to Get Started?
"Having personally purchased 120+ U.S. rentals from overseas, I can help you do the same."David Garner, Co-Founder
30 minutes, no obligation. English and Spanish available.