You don’t need to be a US citizen to invest in American real estate. Foreign national loan programs make it possible to purchase investment properties nationwide.
Who Qualifies as a Foreign National?
Any non-US citizen who doesn’t have permanent residency (green card). This includes investors from Canada, UK, Europe, Asia, Latin America, and beyond.
Requirements
- Valid passport
- US bank account (can be opened remotely with some banks)
- Min FICO 660 (or foreign credit equivalent)
- 25-30% down payment typical
- Property must be investment (not primary residence)
No SSN? No Problem.
Foreign nationals can obtain an ITIN (Individual Taxpayer Identification Number) for tax purposes. Many lenders, including Hard Hat Capital, work with ITIN borrowers.
Popular Strategies for Foreign Investors
- Cash flow rentals in high-yield markets (Midwest, Southeast)
- Short-term rentals in tourist destinations (Florida, Arizona)
- Fix and flip with a local partner handling operations