We lend our own capital to foreign nationals buying Florida investment properties. Because we underwrite in-house, we can approve borrowers that most banks turn away at the door.
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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.
Bedrock Mortgage was patient and genuinely helpful throughout the whole process. I came in thinking I was going to have to pay all cash because everyone said financing wasn't an option without a US SSN. They found a way to make it work and were there every step of the way.
Felipe A.I had no US credit history and had been turned away by a few other lenders before finding Bedrock Mortgage. They laid out exactly what we needed and kept everything moving. Honestly didn't expect it to go as smoothly as it did.
Carlos M.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 home-country credit reports and 12 months of bank statements to establish creditworthiness. No SSN, no ITIN, no US credit file needed.
Underwriting is based on the property's debt service coverage ratio, not your personal income or DTI. If the rent covers the payment, the loan qualifies.
Funds held outside the US are acceptable for the down payment and reserves. We guide you through the wire process and documentation requirements.
Many foreign national investors prefer to hold property through a US LLC. We can structure the loan for either personal or entity closing and coordinate with your attorney if needed.
Buy Florida investment property qualifying on rental income alone. No US credit history, no ITIN, no SSN required.
→No limit on the number of properties. Scale your Florida portfolio without DTI restrictions or personal income review.
→Above conforming loan limits on high-value Florida properties. We fund jumbo foreign national DSCR loans in-house.
→Already own Florida real estate? Pull equity at mortgage rates to fund your next acquisition. Up to 70% LTV.
→We need your passport, 12 months of bank statements from your home country, and the property you're targeting. No SSN, no US credit history, and no US tax returns required.
Most foreign national purchases are investment properties. We look at the property's income potential, your down payment, and your financial profile to find the right loan structure.
We order the appraisal and process underwriting in parallel. Because we do this in-house, there's no third-party lender approval chain slowing things down.
Closings are handled through a Florida title company and can be done remotely if you're not in the country. We've done this enough times to know the paperwork, the quirks, and how to keep things moving.
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.
Mon–Fri, 8 AM–6 PM ET
Response within one business day
→Takes about 10 minutes. No documents required upfront.
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