OnlyWay Capital · Foreign national investor loans
Foreign National Investor Loans for U.S. Rental Property
You don't have to live in the U.S. to invest in U.S. real estate. Through lending partners, OnlyWay Capital arranges business-purpose loans for foreign national investors buying or refinancing rental property in our approved states. Some programs qualify the loan largely on the property's rental income.
However you like to decide, start here.
- 01Bottom line firstSkip ahead: book a complimentary consultation and get a written plan.Book your consultation
- 02Show me what's possibleSee if foreign national investor loans is the right fit for what you want next.Is it a fit?
- 03Walk me through itWhat we look at, step by step, so nothing catches you off guard.See the approach
- 04Give me the detailsCommon questions, answered plainly.Read the answers
Who it fits
A good fit when…
- Investors who live outside the U.S.
- Foreign nationals buying a long-term or short-term rental
- Investors refinancing a U.S. rental they already own
- Investors buying through an LLC or other entity
What lenders typically review
The review.
- 01The property's expected rental income compared with the payment
- 02Down payment and funds to close, and where they come from
- 03Identity and residency documents, which vary by lender
- 04Reserves after closing
- 05The property type, location and condition
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Questions
Plainly answered.
Can I use this loan for a home I'll live in?
No. These are business-purpose loans for investment property only. They are not for a primary or second home.
What documents will I need?
Each lender sets its own documentation requirements for identity, residency and funds. We'll give you the specific list for the program that fits your deal before you apply.
How much can I borrow?
Maximum loan amounts and loan-to-value limits are set by each program. Plan for a meaningful down payment, and we'll show you the real numbers for your deal.
Which states can you lend in?
We arrange business-purpose loans in OnlyWay Capital's approved states, listed on our capital pages. Each lender also has its own state list, so we confirm your property's state first.
Can you guarantee approval, a rate or a closing date?
No. Financing depends on the borrower, property, purpose, lender, program and state, and every loan is subject to the lender's underwriting.
Business-purpose financing is not available in every state. Some states require a license to arrange these loans, and each lending partner excludes certain states. We confirm availability for your property's state before you spend time or money.
States: Alaska, Arkansas, Connecticut, Delaware, Georgia, Hawaii, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Washington, West Virginia, Wisconsin, Wyoming
OnlyWay Capital discussions concern business-purpose financing for investment and commercial property. They are not consumer mortgage offers and are not intended for owner-occupied residential financing.
OnlyWay does not provide legal, tax, accounting, or investment advice. Consult your own attorney, tax professional, or financial advisor about your situation.
Rental coverage calculator
Does the rentcover the loan?
Estimated DSCR
1.22
Comfortable coverage. This is the kind of ratio lenders like to see.
- Monthly payment (PITIA)
- $1,973
- Monthly cash flow before other costs
- $427
- Loan amount
- $225,000
Estimate only, for business-purpose investment property, based on a 30-year amortizing loan and the example rate you set. It is not a loan offer or approval, and lenders calculate DSCR in their own ways.
Send us this deal
The right way forwardstarts here.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.