Foreign national loans let non-US citizens invest in Texas real estate—no US credit, no SSN, no domestic income required.
Built for non-US citizens investing in Texas real estate.
Foreign nationals living and working abroad who want to invest in Texas real estate without relocating.
Non-US citizens purchasing investment properties or vacation homes in major Texas markets — Austin draws strong international demand.
Individuals in the US on business visas (E-1, E-2, L-1, H-1B) who want to purchase investment property.
Embassy and consulate staff stationed in Texas who want to invest in real estate — see our mortgage process for the typical timeline.
Mexican nationals and Latin American investors looking to diversify their portfolio with Texas property — demand is strongest in McAllen and the Rio Grande Valley.
International high-net-worth individuals seeking to add US real estate to their investment portfolio. Vet ratios with our DTI calculator.
Texas real estate offers strong rental yields and long-term appreciation. Our foreign national programs make it accessible to investors worldwide.
Foreign national loans don't require a US FICO score, SSN, or ITIN. We use international banking references and asset documentation instead. Borrowers who do file US taxes with an ITIN may instead qualify for an ITIN loan at lower rates.
Finance single-family rentals, condos, multi-family, and commercial properties across all Texas markets. Designed for non-resident investors — rental cash-flow qualifying borrowers should also explore our DSCR loan.
Many foreign national loans use the property's rental income (DSCR) for qualification—no personal income verification needed. Run target rents through our mortgage calculator to model DSCR.
Close in a US-formed LLC for liability protection and streamlined management of your Texas real estate investment. Self-employed expats with US deposits may also qualify under a bank-statement loan.
Texas markets like Houston, Dallas, and San Antonio offer cap rates of 5-8%, among the strongest in the US for residential investment.
Texas has no state income tax, meaning your rental income and capital gains are subject only to federal taxes—maximizing your returns.
Texas is the fastest-growing state in the US, driving sustained housing demand and long-term property appreciation.
Compare financing options for international investors.
Common questions about investing in Texas real estate as a non-US citizen.