Can non-U.S. Citizens Buy Investment Property In USA
Yes! NSS Lending is dedicated to helping foreign investors navigate the complexities of financing residential and commercial real estate in the United States. Our streamlined approach simplifies the process, ensuring that you can focus on your investment goals with confidence. Let us assist you in making informed decisions so you can achieve success in the U.S. real estate market.
FIX AND FLIP AND FIX & HOLD LOANS FOR FOREIGN NATIONALS INVESTING IN THE U.S.
No minimum loan amount
Up to 85% LTC
(Not to exceed 70% of the ARV)
Terms 12-18 Months
Can I get financing for a fix and flip project in the U.S. with no experience?
Yes! However, having experience in the U.S. will get you a higher LTV on the purchase.
GROUND UP CONSTRUCTION LOANS FOR FOREIGN NATIONALS INVESTING IN THE U.S.
Starting at $150K
Starting at 70% LTC
Not to exceed 65% of the ARV
12 to 24-month terms
Can I get financing if I don't have any experience in the U.S. with ground up construction?
Yes! If you hire a licensed builder that has completed three ground up projects in the last 36 months in the same market.
How Do I Buy a Property Using a DSCR Loan?
It's easy! A debt service coverage ratio loan or DSCR loan for short is based on the premise that the rental income on the investment property you want to purchase will cover the loan payment or PITIA. The only thing that matters is that you have enough money for the down payment and closing costs.
•••••
What Is PITIA?
(P) Principal: The money you pay back to lower your loan.
(I) Interest: The fee the lender charges you to borrow the money.
(T) Taxes: The property taxes you pay to local governments.
(I) Insurance: Homeowner, flood, or mortgage insurance that protects the property.
(A) Association dues: Fees for your neighborhood or condo group, if you have one.
ACQUISITION
REFINANCE
Can I get a loan for 90% of the purchase price?
Yes! The seller (or anyone for that matter) can finance a 2nd position lien for a minimum of 3 years for up to 45% of the value of the property. You would be required put down a minimum of 10% plus closing fees.
Use a 2nd Lien to Access the Equity In Your Investment Property
Maximum Combined Loan to Value 75%
Starting at $50K
SFR, 2-4 Units
Don't forfeit your low interest loan! If you’re an investor wanting to grow your portfolio of properties, you may want to consider accessing the equity in one (or more) of your income producing investment properties, leaving other assets, such as your retirement funds or personal home equity untouched, and use it to purchase additional income producing real estate.
BONUS! 2nd lien loans under $250,000 require no appraisal!
COMMERCIAL
Starting at $100K
Up to 65% of Purchase Price
5+ Units
Mix-Use
Retail
Restaurant
Warehouse
Car wash
Laundromat
Self-storage
Automotive
Medical office space
Strip malls
Assisted living facility
Day care center
And more!