From impossible to reality with Waltz

What if the thing standing between you and your first U.S. investment property wasn't money or motivation, but paperwork? For Daniella, a real estate agent from Mexico, that was exactly the problem. She had the vision, the market knowledge, and the drive. What she lacked was a U.S. Social Security number, a U.S. credit history, and a clear path through American real estate finance. Until she found Waltz.

The Client

Daniella from Mexico

Daniella's career in interior design and remodeling gave her a sharp eye for property value and a natural affinity for real estate. When her parents began vacationing in the Houston area and eventually settled in The Woodlands, Daniella started watching the local market closely. What she saw was hard to ignore: rising prices, strong appreciation, and a steady stream of new residents drawn by the area's quality of life and safety. As someone just a short flight away in Mexico, it all felt within reach.

She became a firm believer in U.S. real estate as a wealth-building strategy: a way to diversify into a stable currency and build equity through a mortgage rather than sitting on the sidelines.

"I would've done it 10 years ago, to be honest, but not having citizenship, a Social Security number, or U.S. credit always became a barrier" she said.
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The dream stayed on hold. Until one Christmas trip changed everything.

The Property

Single-family rental in a booming Houston suburb

During a holiday visit to her parents, Daniella noticed a property just down the street from their home: a single-story, 3-bedroom, 2-bathroom house in the heart of The Woodlands. Rather than going straight to a listing platform, she knocked on the neighbor's door and started a conversation. That conversation turned into an off-market negotiation, and soon she had a deal.

She then moved the process through formal channels, working with a Keller Williams agent to ensure everything was done properly. For Daniella, the differences between buying in Mexico and the U.S. were striking. In Mexico, the first offer typically takes priority with little room for back-and-forth. In the U.S., negotiations were more structured, inspections were standard, and closing went through escrow and title, a layer of protection she grew to appreciate. She bought the property together with her sister, making it both a family investment and a strategic financial move.

Read more: See more success stories here

The Challenge

Lack of U.S. credentials

Daniella had a real estate background and an investment thesis. But as a foreign national without U.S. credentials, the standard path to financing simply was not available to her. Each piece of the puzzle required a different provider, a different process, and documents she was not sure how to obtain.

  • No U.S. credit or Social Security number: Most lenders required a Social Security number and an established U.S. credit history before they would even consider an application. As a foreign national, Daniella had neither, which disqualified her from the vast majority of conventional loan products right from the start.

  • A fragmented process with too many moving parts: Forming an LLC, opening a U.S. bank account, securing a mortgage, and finding insurance. Each step felt like its own separate obstacle course. Coordinating across multiple providers from Mexico added another layer of complexity that made the whole endeavor feel overwhelming.

  • Not knowing what was actually possible: Perhaps the biggest barrier was not logistical, it was psychological. Without a clear example of someone like her successfully completing a U.S. purchase, it was hard to know whether the goal was even achievable. "Knowing it can be done," she said, was itself a revelation.

The Waltz Solution

Daniella first came across Waltz on social media. The pitch was simple and direct: no U.S. credit required. She reached out, and from that first interaction, things started moving differently. Our Waltz team walked her through the numbers and mapped out the process from start to finish. Every step was explained. Every question got answered. Once she had a property under contract, it only took a month to close.

  • A true end-to-end solution: Waltz helped Daniella set up her LLC, even when she did not have all the required documents ready from the start. Using Waltz’s Investor Kit, she set up an LLC with an EIN and got a U.S. bank account in record time. “I got everything in just two hours on a drive from Houston to San Antonio. The whole process flew by” she noted. On top of that, Waltz even helped her source insurance quotes, keeping everything under one roof.

  • Better financing than she expected: Daniella had looked at other lending options before finding Waltz. Not only did Waltz offer financing without requiring a U.S. credit score or SSN through a DSCR loan structure, she ended up securing a better rate than anything she had found elsewhere. The loan was evaluated based on the property's income potential rather than her personal credit profile, which made the investment possible in the first place.

  • Speed and simplicity that defied expectations: Compared to the two months or more a comparable transaction typically takes in Mexico, the deal closed in just one month. The Waltz platform kept everything organized and transparent throughout. "The app was super easy to follow, and communication always flowed," Daniella noted.

Daniella and her sister now own a U.S. investment property, complete with a mortgage, an LLC, a U.S. bank account, and a process they fully understand. For other Mexican and Latin American investors sitting on the same dream, her message is direct: be open-minded, trust the process, and do not wait another ten years.

Get started with Waltz!

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"Be open-minded and trust the process: everything was laid out exactly as it was explained. Waltz delivered on its promise!”
Daniella, Real estate agent and investor

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