Foreign National Financing
Financing for Foreign Investors in Florida
Buy, refinance, or pull equity from a property in Florida with no SSN or U.S. credit, through your LLC. I guide you from start to finish.
Yes, a foreign national can finance property in Florida
You don't need to be a resident, have a Social Security number, or hold U.S. credit to finance real estate in Florida. There are specific programs for foreign investors —foreign national and DSCR— where approval is based on the asset and its rental income, not on your U.S. credit history. The property is acquired through a U.S. LLC, which also streamlines the tax and asset-protection side.
The problem is rarely a lack of options —it's navigating the system from abroad and in another language. That's where I come in: I work from Florida with investors across Latin America, and I guide you through every step —structure, the right lender, documentation, and closing— so you finance with the same strength as a local.
Who is it for?
Built for the international investor looking to enter Florida real estate
Non-resident investors
Buyers who want to invest in Florida from their home country, without relocating or having a U.S. presence.
Buy-and-hold via LLC
Investors seeking rental income with 30-year DSCR mortgages based on the property's cash flow, no personal income docs.
Developers and partners
Those who bring deals or foreign investors and need a reliable financing channel.
How does it work?
A clear process to finance from abroad, no surprises
Consult and structure
We define the deal, your goal, and set up the LLC if needed.
The right program
We choose between foreign national, DSCR, or bridge for your case.
Simple documentation
Passport, bank references, and funds. No SSN or FICO.
Remote closing
Sign remotely by power of attorney or at a consulate. Fully coordinated.
Typical Terms
Reference conditions for foreign national financing in Florida
Down Payment
From 25%
Of the purchase price
LTV
Up to 75%
We finance the rest
Requirements
No SSN
No U.S. credit
Structure
Via LLC
In the United States
Frequently Asked Questions
Can I buy in Florida without being a resident or having a visa?
Yes. You don't need to be a resident, citizen, or hold a specific visa to buy and finance real estate in Florida. Foreign national programs are designed exactly for non-resident investors.
Do I need a Social Security number or U.S. credit history?
No. Approval is based on the asset and, for DSCR, on the property's rental cash flow. Instead of a FICO score, we use bank references from your country and proof of funds.
Why buy through an LLC?
An LLC gives you asset protection (separating your personal wealth from the property), streamlines taxes, and is the standard structure lenders require for foreign nationals. I help you set it up if you don't have one yet.
How much down payment do I need?
As a reference, between 25% and 40% depending on the program and profile. A larger down payment means better terms. In the initial consult I give you a concrete range for your case.
Can I close the deal without traveling to the U.S.?
Yes. Closing can be done remotely via power of attorney or by signing at a consulate/notary in your country. We coordinate everything so you don't have to travel if you don't want to.
What's your edge over a regular bank or broker?
I work from Florida with Latin American investors. I understand your context, speak your language, and know the right lenders for each profile. I don't leave you alone against the system —I guide you end to end.
Want to invest in Florida from abroad?
Tell me your goal and we'll build the financing path together, in Spanish and tailored to you.