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Trying to find the right US market to invest in? Join our upcoming webinar to discover how experts evaluate real estate markets across the country—and learn how you can do the same!
Join our upcoming webinar to discover the options that foreign nationals like you have at your disposal to finance your next U.S. rental property–without the hassle.
Have a US rental property with a bunch of equity?
A cash-out refinance can help you turn your property’s equity into cash at closing. Don’t miss our upcoming webinar if you want to see how it works!
Foreign nationals often buy U.S. rental properties in cash to avoid rejection or the headaches of dealing with lenders.
Waltz removes the friction. Explore better terms or unlock capital from a rental property you already own in the U.S. by refinancing.
Qualify for refinancing based on cash flow, not U.S. credit. Choose from multiple refinance options tailored for foreign nationals.
| Other lenders |
|
|
|---|---|---|
| Minimum FICO credit score | 620* | No FICO credit required for foreign nationals |
| U.S. residency | Yes* | No |
| Maximum loan-to-value (LTV) | 60–70%* | 65%–70% |
| Interest rate | Varies | 6.1% – 6.7% |
| U.S. income verification | Required* | No U.S. income needed |
| DSCR score | 1–1.25* > | 1> |
| Investment strategies | Long-term and short term rentals | Long-term and short term rentals |
| Seasoning period | 6 months* |
No seasoning on cost-basis refinances and delayed financing 6-month seasoning on ARV refinances |
| Own a U.S. LLC (or similar) | Yes |
Yes Waltz’s Investor Kit sets up your LLC with an EIN in minutes. |
Discover how Waltz makes buying property in America as a foreigner a seamless, fully digital experience.
Adjust the interest rate, loan duration, and terms
Lower monthly payments
Recycle your equity to scale
Get out of hard money and into fixed-rate debt
Better rates and terms than other refinance options
Avoid seasoning period requirements
Explore refinance scenarios using our calculator in just a few clicks
Try nowWaltz is a foreign-friendly lender focused on making refinancing as simple as possible. Our loan approval uses your property’s positive cash flow, not your U.S. credit score or visa status, so you can close quickly with confidence.
Waltz’s AI-powered platform helps foreign nationals expedite the refinance process.
When you work with us, you’ll benefit from competitive refinancing options. Get up to 70% loan-to-value (LTV)1 on U.S. rental properties.
Refinance 1–4 unit rental properties, including single-family, condos, townhouses, and small multi-family buildings.
Our mortgages are designed for foreign nationals. No credit score required for foreigners without U.S. credentials.
Choose from a variety of loan terms and lengths, including 30-year fixed and adjustable rates tailored to your investment strategy.
Access a wide range of loan funding, with amounts starting at $100,000 and going up to $2 million per property, per loan1.
Skip in-person signings whenever possible. Close remotely from just about anywhere in the world in as little as 14 days1.
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
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.
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 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.
Sign paperwork remotely, finalize your loan, and become a property owner ready to generate rental income from your new investment.
Israel
Canada
Colombia
Mexico
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Israel
Yes! The process may involve additional steps compared to the traditional refinance process for U.S. citizens, but there are a few lenders that can meet your needs. Waltz was built to help people like you get better refinance options without the hassle of traditional banking.
To refinance with Waltz, you’ll need bank statements from the past three months and your passport from your home country. That's all it takes to get started!
The refinancing process can vary in length, but with Waltz's efficient digital platform, you can expect a quick turnaround time. Our streamlined process allows for refinancing to be completed in as short as 14 days1 , ensuring a fast and hassle-free experience.
With Waltz, you can refinance various residential properties such as single-family homes (1-4 units), condos, and townhomes. Our flexible refinancing options are designed to help you make the most of your U.S. real estate investments.
At Waltz, we are also the leaders in providing mortgages for foreign nationals, making investing in U.S Real Estate for non-US citizens even easier!
Take the next step towards optimizing your investment in U.S. real estate with Waltz refinancing solutions.
Get started
