Digital mortgages for foreign nationals

Get a U.S. rental property mortgage with speed, even without U.S. credit.

Foreign nationals often face rejection when applying for a U.S. mortgage because they lack U.S. credit history and verifiable domestic income. Waltz does things differently. You can qualify based on the property’s cash flow, rather than your U.S. credentials.

Rental property loan requirements for foreign nationals

Getting a mortgage doesn’t have to be complicated. Waltz simplifies approvals for international investors by making requirements transparent and based on cash flow.

	Other lenders
Minimum FICO credit score	620*	No FICO credit requirement for foreign nationals
U.S. residency	Yes*	No
Maximum loan-to-value (LTV)	60–70%*	70%
Interest rate	Varies	6.1% – 6.7%
U.S. income verification	Required*	No U.S. income needed
DSCR (debt-service-coverage-ratio) score	1–1.25* >	1>
Investment strategies	Long-term and short-term rentals	Long-term and short-term rentals
Own a U.S. LLC (or similar)	Yes	Yes Waltz’s Investor Kit sets up your LLC with an EIN in minutes.

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Foreign national mortgages just for you

Up to 70% LTV¹

When you work with us, you’ll benefit from competitive financing. Get up to 70% loan-to-value (LTV)¹ on U.S. rental properties.

Diverse property types

Finance 1–4 unit rental properties, including single-family, condos, townhouses, and small multi-family buildings.

No U.S. credit needed

Our mortgages are designed for foreign nationals. No credit score required for foreigners without U.S. credentials.

Flexible terms

Choose from a variety of loan terms and lengths, including 30-year fixed and adjustable rates tailored to your investment strategy.

Wide-ranging loans

Access a wide range of loan funding, with amounts starting at $100,000 and going up to $2 million per property, per loan¹.

Fast remote closings

Skip in-person signings whenever possible. Close remotely from just about anywhere in the world in as little as 14 days¹.

4 Steps to get a foreign national mortgage on a rental property

Getting your rental property loan is just a few clicks away. Once you have a rent-ready, cash flowing property in mind, the rest is simple.

Start your quote

Get a quote

The first step is getting a quote. Fill out our form with details about the property, then schedule a call with a Waltz team member to review key terms, rates, and available financing options.

Complete the loan application

Onboard to our intuitive AI-powered platform where you can upload documents and optionally get an Investor Kit to set up an LLC, U.S. bank account², and foreign exchange³. The platform helps you track every step of your loan process and provides live feedback to keep things moving fast.

Review your loan file

Review your loan file by signing the final term sheet and confirming key terms, rates, and conditions. Our compliance team completes a final underwriting review to get you cleared to close.

Get a mortgage and close remotely

Sign paperwork remotely, finalize your loan, and become a property owner ready to generate rental income from your new investment.

Mortgage Calculator

Estimate your potential rental property's monthly mortgage payment in just a few clicks!

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What Clients are Saying

“Some lenders get you to feel committed, then surprise you with hidden fees and unfavorable terms. With Waltz, I really liked the terms and I got exactly what was promised to me.”

Aviv M.

Israel

“Every interaction with Waltz felt personal and tailored to me. No matter who I spoke with, each person went the extra mile to make sure I had an incredible experience– something you just don’t get at a bank!”

Dennis N.

Canada

“My experience with Waltz was amazing. Communication is super important to me, especially living abroad. The entire process with Waltz was transparent and clear, nothing was ever left to assumption.”

Antonio G.

Colombia

Uploading documents was fast, communication was simple, and the process felt effortless. The app is fantastic, once you use it, you don’t want to let it go.

Jose

Mexico

Every interaction with Waltz felt personal and tailored to me. No matter who I spoke with, each person went the extra mile to make sure I had an incredible experience — something you just don’t get at a bank!

Dennis N.

Canada

Waltz’s platform has amazing UX. Everything is organized, intuitive, and easy to track. When you have multiple properties and dozens of documents, it makes a huge difference. I spend less energy managing the process, and everything just flows.

Yoav

Israel

Frequently asked questions

Can a foreign national get a mortgage in the U.S.?

Absolutely! Owning a piece of the American dream is achievable for foreign nationals. While the process may involve additional steps compared to traditional mortgages for U.S. citizens, there are a few loan programs designed to meet your needs. Waltz was built to help people like you get a mortgage, hassle-free.

Do U.S. banks give loans to foreigners?

Short answer: it depends. Some traditional U.S. banks do not, while others give loans with additional requirements like Visa, U.S. income, and more. You should look for a lender who caters specifically to international real estate investors.

Who lends to foreign nationals?

Mortgage lenders who specialize in helping international buyers can guide you through the U.S. mortgage process for foreigners. They can help you understand program options, eligibility requirements, and the specific documents you need to secure your financing. Choose lenders with experience helping foreign nationals buy properties and look for companies known for clear communication and a hassle-free process.

Which necessary documents will I need?

While foreign nationals will not need a visa, Social Security number, green card, or FICO score, borrowers must meet certain requirements. We must be able to verify your financial situation and creditworthiness from your home country. Don’t worry – you won’t need to translate any documentation, and we will guide you through the process.

What steps should international investors take before securing a mortgage?

Before securing your loan, it's essential to assess the property's potential return on investment (ROI), ensure adequate insurance coverage, conduct an appraisal, and negotiate favorable terms before finalizing the deal. Doing so will maximize the benefits of your investment.

Additional steps recommended after buying a property

Once you've purchased the property, consider renovations or repairs to increase its value and potential monthly rent price. Next, find suitable tenants or engage a property manager for rental management. Finally, make sure to stay on top of property taxes to ensure compliance and maximize your investment's profitability in the long term.

Ready to take the next step?

You're just a few clicks away from securing your mortgage.

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Digital mortgages for foreign nationals

Get a U.S. rental property mortgage with speed, even without U.S. credit.

Rental property loan requirements for foreign nationals

Award-winning platform powered by AI