We lend our own money to foreign nationals buying US real estate. No third-party approvals. No wholesale lender. Just a direct decision, made in-house.
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 — the same DSCR framework used for domestic investors.
Most banks and brokers turn away foreign national buyers immediately. We've built our process around making these loans work — because we fund them ourselves.
Never borrowed in the US before? That's fine. We use foreign credit reports and bank statements to evaluate your financial profile instead.
Protect your assets and simplify ownership. A US LLC can hold your investment property, and we can structure the loan accordingly.
Your personal income, employment, or DTI ratio don't factor into the decision. If the property cash flows at a DSCR of 1.0+, you qualify.
No cap on properties. Once you're in the US market with your first investment, we can help you add more as your portfolio grows.
Funds held outside the US are acceptable for the down payment and closing costs. We'll guide you through the wire and documentation process.
"I'm from Brazil and have been trying to buy investment property in Miami for two years. Four lenders told me no — no US credit, no SSN, no chance. Bedrock asked for my passport, Brazilian bank statements, and a property appraisal. 30% down. Closed in 19 days. The duplex rents for $4,200/month, DSCR is 1.38. Now I'm looking at my second property."
"Venezuelan passport, no SSN, no US credit. I was told I'd need to pay all cash. Bedrock Mortgage was the only lender that walked me through a real path to financing. 35% down on a $480k condo in Fort Lauderdale. Rents for $3,800/month. My mortgage is $2,650. I keep $1,150 before expenses. This opened up a completely different way to invest in the US market."
"Canadian investor here. I own three properties in Ontario but wanted exposure to the Florida market. Bedrock was direct — here's exactly what we need, here's your rate, here's the timeline. No surprises. Bought a 3/2 in Tampa for $395k, 30% down. Rents for $2,900. After PITIA, net about $580/month. Already have the second deal under contract."
Living and investing from outside the US. Want Florida real estate as a dollar-denominated asset, hedge against home-country inflation, or vacation/rental income property.
Living and working in the US on a visa (B1/B2, E-2, H-1B, L-1, etc.) but without a Social Security number or established US credit profile.
Americans living abroad or dual citizens who have established credit overseas but not in the US, looking to build or expand a US rental portfolio.
Wealthy foreign nationals who prefer to leverage rather than pay all cash — preserving liquidity while putting the property's rental income to work covering the mortgage.
Been told "we can't do that" by other lenders? Most banks and brokers genuinely can't. We fund these loans in-house, which is why we can say yes when others can't.
No US bank account is required to qualify. You can provide foreign bank statements for reserves and asset verification. The down payment can be wired from an international account. We'll walk you through the documentation required for the international wire.
We work with borrowers from most countries. Eligibility may vary based on OFAC regulations and country-specific considerations. The best way to confirm your eligibility is to speak with our team directly — the process is straightforward for the vast majority of applicants.
Yes. We can structure the loan so the property is held in a US LLC, which many foreign national investors prefer for liability protection, estate planning, and simplified ownership structure. A US LLC can be formed quickly and we can guide you through the process.
No problem. We use foreign credit reports, international bank statements, and your home-country financial history in place of a US credit score. The qualification is primarily property-based — as long as the rental income covers the mortgage payment, your lack of US credit is not a disqualifier.
Single-family homes, condos, townhomes, duplexes, triplexes, and fourplexes all qualify. The property must be used as an investment/rental — not a primary residence. Short-term rental properties (Airbnb/VRBO) can also qualify using 12–24 months of rental income documentation.
DSCR = Monthly Rental Income ÷ Monthly Mortgage Payment (PITIA). For occupied properties, we use the actual lease. For vacant properties, we use the appraiser's market rent estimate. A ratio of 1.0 or higher qualifies — meaning the rent covers the full mortgage payment. Higher ratios get better rates.
We are a direct portfolio lender — we use our own money to fund these loans. Most mortgage companies that offer "foreign national loans" are brokers routing your file to a wholesale lender that ultimately makes the decision (and can decline you). We underwrite and approve in-house, which means faster decisions, no surprise conditions from a third party, and a team that is genuinely invested in closing your deal.
US citizens and residents — same no-income-verification DSCR structure, 20% down, and in-house funding.
Talk to a specialist who handles foreign national loans every day.
No SSN. No US credit. No US tax returns. Just the property's cash flow.