We lend our own capital to foreign nationals buying Florida investment properties. No SSN, no US credit history, no third-party approvals. Our underwriter makes the call. In-house.
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We'll match you with a foreign national loan expert.
A foreign national loan allows non-US citizens and non-permanent residents to purchase US investment property without a Social Security number, US credit history, or US tax returns. Qualification is based entirely on the property's rental income, using the same DSCR framework as domestic investors.
"Four banks told me no: no SSN, no US credit history, no chance. Bedrock Mortgage needed my passport, 12 months of Brazilian bank statements, and a property appraisal. Thirty percent down, closed 19 days after the contract. Duplex rents for $4,200/month, DSCR is 1.38. I'm already under contract on property two."
"Venezuelan passport, no SSN, never borrowed a dollar in the US. Three people told me I'd need to pay all cash. Bedrock walked me through an actual financing path, 35% down on a $480k condo. Rents for $2,400, I keep $1,150 after the mortgage."
Most banks say no immediately. We've built our entire process around foreign national DSCR loans, funded from our own capital, approved in-house, with no wholesale lender review. If the property cash flows, you qualify.
We use foreign credit reports and bank statements instead. Never borrowed in the US? No problem.
DSCR 1.0+ is the only metric that matters. Your personal income and DTI don't factor in.
A US LLC can hold your investment property. We structure the loan accordingly.
Funds held outside the US are acceptable. We guide you through every wire and documentation step.
Buy Florida investment property qualifying on rental income alone. No US credit history, no ITIN, no SSN required.
→ Portfolio BuilderNo limit on the number of properties. Scale your Florida portfolio without DTI restrictions or personal income review.
→ Luxury PropertiesAbove conforming loan limits on high-value Florida properties. We fund jumbo foreign national DSCR loans in-house.
→ Access EquityAlready own Florida real estate? Pull equity at mortgage rates to fund your next acquisition. Up to 70% LTV.
→No SSN, no US credit history, no tax returns needed. We need your passport, 12 months of home-country bank statements, and the property you're targeting. That's it to get started.
We underwrite based on the property's DSCR, rental income vs. mortgage payment. If the deal cash flows, you qualify. We don't need your W-2s, US bank statements, or a credit report.
Many foreign national investors prefer closing in a US LLC for liability protection and estate planning. We can accommodate both personal and entity closings, we handle the coordination.
Remote notarization and international wire are both supported. You don't need to fly to Florida to close. We've done this before, the process is cleaner than you'd expect.
We work with borrowers from most countries. Eligibility may vary based on OFAC regulations. The process is straightforward for the vast majority of applicants, confirm directly with our team.
Yes. We can structure the loan in a US LLC, which many foreign national investors prefer for liability protection and estate planning. We guide you through the process.
We are a direct portfolio lender. Most mortgage companies are brokers routing your file to a wholesale lender. We underwrite in-house: faster decisions, no surprise conditions, and a team actually invested in closing your deal.