Why U.S. Real Estate Attracts Global Investors
I’ve spent years watching how the U.S. housing market rewards smart, patient investors. Strong legal protections for property rights, deep rental demand in major metros and fast‑growing Sun Belt cities, and a stable currency make the United States a uniquely resilient place to build wealth. That’s why international buyers—from first‑time landlords to experienced fund managers—continue to see American real estate as a cornerstone of a diversified portfolio.
At Luvanex Realty, we understand the excitement and the hurdles. Securing financing as a non‑U.S. citizen or non‑resident can be confusing. Banks often say “no” or take months. Our Foreign Investors Program is designed to help you say “yes” to the right deal, faster.
What We Finance (Business‑Purpose Only)
We don’t originate business loans; we specialize in real estate loans for investment and business‑purpose transactions. If the numbers make sense, we work to make the deal happen.
- Single‑family rentals (SFRs)
- 2–4 unit properties
- Small to mid‑size multifamily (5+ units)
- Condos and townhomes for rental use
- Portfolio loans for multiple properties
- Cash‑out refinance on free‑and‑clear properties to fund new acquisitions
Note: We do not finance primary residences or owner‑occupied homes.
Who We Serve
Whether you’re:
- A first‑time foreign buyer eyeing a Florida SFR,
- Expanding into Texas or the Carolinas with a small multifamily,
- Consolidating equity from paid‑off properties to scale your portfolio,
…we treat you like family and guide you through every step—from term sheets to closing.
Common Challenges We Solve
- Limited U.S. credit history or SSN
- Complex income documentation from multiple countries
- Lengthy bank approval timelines
- Confusion around U.S. real estate terms, taxes, and closing processes
Our approach: streamlined documentation, equity‑based underwriting, and clear communication so you can move quickly on competitive deals.
The Luvanex Advantage
- Fast, investment‑focused underwriting
- Loans tailored for non‑U.S. citizens and non‑resident investors
- Options for LLCs and foreign entities
- Competitive terms designed for rental cash flow and appreciation
- English‑first guidance with patient explanations about U.S. market norms
We believe mortgages—especially with healthy equity—offer a more flexible, lower‑maintenance path than direct, cash‑only ownership. Leverage can boost returns, and professional servicing simplifies management.
Where Foreign Investors Are Buying
Interest isn’t limited to luxury towers. Today’s buyers are targeting:
- Middle‑class single‑family homes in high‑demand suburbs
- Fast‑growing metros like Atlanta, Dallas–Fort Worth, Charlotte, Phoenix, Tampa, and Orlando
- Workforce housing and value‑add multifamily with stable rent demand
These markets offer resilient tenant bases, job growth, and historically strong appreciation.
How Our Foreign Investors Program Works
1) Share your goals
- Investment purpose, target markets, ideal property type, and budget
2) Get pre‑qualified
- Quick assessment of down payment, reserves, and documentation
3) Lock in terms
- We issue indicative terms based on asset quality, LTV, DSCR, and borrower profile
4) Close with confidence
- Dedicated support from offer to funding, plus post‑closing resources
Eligibility Snapshot
- Business‑purpose investment only (no owner‑occupied loans)
- Foreign nationals and non‑resident investors are welcome
- Purchase, refinance, and cash‑out options available
- Typical minimum down payment: 25%–35% depending on asset and market
- Property types: SFR, 2–4 units, 5+ multifamily, condo/townhome (rental use)
- Entities accepted: Individuals, LLCs, certain foreign entities (case‑by‑case)
Final approval depends on property quality, valuation, market dynamics, and your overall financial profile.
Documents You May Need
- Passport and government‑issued ID
- Proof of funds for down payment and reserves
- Entity documents (if borrowing via LLC or foreign entity)
- Income evidence or asset statements (for underwriting and reserves)
- Purchase contract or property details for refinance/cash‑out
We keep paperwork practical and focused on what matters: closing your deal.
Tax and Compliance Considerations
We are not your tax attorney, but we’ll flag the topics you should discuss with qualified professionals:
- FIRPTA, ITIN, and federal/state filing requirements
- Withholding rules on U.S.‑source rental income
- Depreciation, deductions, and treaty considerations
- Entity structuring for liability protection and estate planning
We can connect you with experienced CPA and legal partners upon request.
Getting Started Is Simple
- Schedule a discovery call to outline your objectives
- Submit basic information for pre‑qualification
- Receive tailored loan options aligned with your strategy
- Make offers with confidence and close faster
If you’re ready to expand your portfolio or make your first U.S. investment, our team is here to help you tap into the strength of the American housing market with financing that fits your plan.
Frequently Asked Questions
Can I qualify without a U.S. credit score?
Yes. We offer programs that evaluate global financial strength and the property’s cash‑flow metrics.
What is DSCR lending?
It’s underwriting that focuses on the property’s Debt Service Coverage Ratio—rental income relative to the mortgage payment—to determine loan eligibility.
Do you finance short‑term rentals?
Case‑by‑case, depending on local regulations, rental history or projections, and property characteristics.
How fast can we close?
Timelines vary by market and property type, but our streamlined process is designed to move faster than traditional banks.
Let’s Talk
Reach out today to learn how Luvanex Realty’s Foreign Investors Program can help you secure the right loan, protect your equity, and grow confidently in the U.S. market.
