Foreign National Loan Program

As a foreign national investor, when banks turn you away with endless red tape, Capital Funding Financial steps in to save the day! Our Foreign National Loan Program offers fast, flexible financing with closings in as little as 7 days, no personal income verification, and minimal documentation—focusing solely on your property’s equity. Whether you’re eyeing a fix-and-flip, rental property, or commercial project, we provide loan amounts from $200,000+ to help you seize U.S. real estate opportunities as a foreign national with confidence.

What is a Foreign National Loan?

A “foreign national” loan is a loan used to acquire or refinance a property for a borrower that has one of the following visa: B-1, B-2,H-2,H-3, I, J-1, J-2, O-2, P-1, P-2 or resides in a Visa waiver country. Typically the Borrower lives and works in foreign country and not in the US. The borrower qualifies under our ITIN or DSCR loan program based on the property cash flow or equity cushion. The foreign national program is for non-owner occupied residences and apply in the following situations:

  • Foreign National Borrowers
  • When you need to close fast 
  • When you don’t have US Credit
  • When you can’t provide verifiable income (no tax returns available).

At Capital Funding, our Foreign National loans close very quickly… even in as little as 7 days! Our foreign national loans require no personal income verification and very little documentation!

HOW TO GET A FOREIGN NATIONAL LOAN

Secure a foreign national loan quickly for your investments with Capital Funding, the fastest nationwide private lender. Get approved now and let us fuel your next real estate investment purchase with speed and ease.

NON-RESIDENTS CAN CLOSE WITH A FOREIGN NATIONAL LOAN

Capital Funding’s foreign national loans empower real estate investors from outside the United States to get quick closings in as little as 7 days from deposit, interest-only payments on a wide range of property types, and flexible criteria that require no income documentation or minimum credit requirement. All you need is an ITIN and 25%+ equity in the property to qualify.

 

Investment Criteria

Loan Size$200,000 – $10 Million
Loan Term 1-30 year options
Max LTVUp to 75%
AmortizationInterest Only
Interest RateStarting at 7.50% (depending on the term selected)
Closing Time 7-28 Days (depending on the program)
Loan UsePurchase, refinance, cash-out, construction, renovation

Eligible Properties for Foreign National Loans

The following properties and real estate asset classes can qualify for a foreign national loan.

Single-Family

Single Family is classified as one to four-unit residential use dwellings including condominium, P.U.D., townhomes, duplex’s, triplex’s, and quadplex’s. At Capital Funding, we will lend to real estate investors and entities looking to purchase, refinance, fix & flip, or buy to rent from $200,000+.

Retail

Retail is any property used for commercial retail space such as a storefront for selling goods or services. Capital Funding will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $200,000+.

Multi-Family

Multi-family is a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+.

Office

Office is a property classification which generates income from tenants comprised of businesses and professionals. Capital Funding will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $250,000+.

Mixed-Use

Mixed-use is a type of development that blends residential and commercial uses into one integrated complex or building. At Capital Funding, we will lend to real estate investors in the following scenarios: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out on mixed use projects with loan amounts from $250,000+.

Hospitality

Capital Funding will lend to experienced operators with a flag in the hotel and lodging sector. Loan amounts are $500,000+.

Other eligible property types include: Self storage, senior housing, marinas, parking facilities, automotive.
Common uses include: Acquisition, refinance, cash-out, renovation / construction.

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Personal Documents

Loan Application
Track Record / Experience / SREO
Last 2 Month’s Bank Statement
Drivers License and Passport/Visa

Property Documents

Purchase Contract
Payoff Statement (if Refinance)
Rent Roll & Leases
Renovation Budget (if Rehab)

Business Documents

Articles of Incorporation
Operating Agreement (LLC) or Bylaws (Corp.)
EIN Letter

APPLY NOW

Get the fastest Foreign National Lender on your side and let Capital Funding fund your next project.

Why Choose Capital Funding's
Foreign National Loan Program

  • Amazing service and fast closing! The gave me great terms for hard money financing and the transaction closed as planned without any hassle or surprises. Five Stars.

    George Miller
  • I just got a loan from capital funding for my restaurant property. They are very helpful and the processing was really fast. I am strongly recommend them for your funding needs.

    Jatinder Singh
  • I want to thank the Capital Financial LLC team for all of their hard work in closing our quick bridge loan in 5 days! I was provided a reasonable rate, great service, and a quick closing. 5 stars!

    Niki Yates

LET’S GET STARTED

Wondering which program best fits your investment? Speak to a loan officer to get tailored guidance on the best options for your property.

5550 Glades Rd Ste #200,
Boca Raton, FL 33431

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Property Documents

Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Leases (if applicable)
Renovation Budget
Plans/Specs
Valuation (to be ordered)
Title & Insurance Contacts

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Track Record/Bio
Last Two Months of All Bank Statements

Business Documents

Entity Documents – Articles of Organization + Bylaws/Operating Agreement