We lend our own capital to foreign nationals buying Florida investment properties. We specialize in structuring these loans, which means we can work with borrowers that most banks turn away at the door.
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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 made buying a home a lot less stressful than I thought it would be. It was very fast and easy, I have no complaints!
Mia S.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. 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.
→Current pricing for DSCR and investor loans. See where your deal lands before you make an offer.
→Above conforming loan limits on high-value Florida properties. We fund jumbo foreign national DSCR loans with our own capital.
→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 your file in parallel rather than waiting for one before starting the other, so things move faster overall.
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 fund every loan ourselves. Most mortgage companies are brokers who hand your file to whoever's willing to take it, with no consistency in process or communication. Because we specialize in foreign national lending and fund with our own capital, you get a team that actually knows this loan type and stays with you start to finish.
No. Foreign national loans are designed for borrowers who don't hold a US visa, green card, or residency status. A valid passport and proof of funds are typically all that's required to get started.
Yes, though funds typically need to be seasoned in or transferred to a US bank account before closing. Income and assets can be documented from your home country, and we'll guide you through the transfer process.
Most foreign national programs require 30-35% down. This is higher than domestic loans because there's no US credit history to underwrite against, but it also means faster approvals and fewer documentation hurdles.