The United States remains the most stable and attractive real estate market in the world. However, for many international investors, the dream of owning US income-producing property is cut short by a single question from traditional banks: “May I see your US credit report?”
If you are a Foreign National, you likely don’t have a US credit score, a Social Security Number, or a domestic tax history. In the eyes of a traditional bank, you are “invisible.”
At HardFunded, we see things differently. We believe that a strong investment should be judged by the value of the asset, not the nationality of the borrower. Our Foreign National Investment Program is designed to bridge the gap between international capital and US real estate opportunities.
The Problem: Why Traditional Banks Say “No”
Most US lenders are bound by strict federal regulations that require:
- A minimum of two years of US tax returns.
- A seasoned US credit profile (FICO score).
- Proof of US residency or specific visa types.
For a professional investor living in London, Dubai, or Mexico City, these requirements are impossible to meet. This creates a massive barrier to entry for international capital—unless you use an Asset-Based Lender.
The Solution: The “Easy 50” for Foreign Nationals
Without our specialized loan programs, a Foreign National would typically have to pay 100% cash for a US property. With our Easy 50 Equity Loan, we unlock the power of leverage using the property itself as the primary qualifier.
1. No US Credit Required
We do not require a US credit report. We understand that your financial strength is proven by your ability to provide the initial equity for the deal.
2. No US Income Verification
You don’t need to show US tax returns or 4506-T forms. Whether your income is generated in Euros, Pesos, or Yen, we focus on the 50% Equity in the US property you are purchasing or refinancing.
3. Simplified Documentation
Our “True No-Doc” approach applies to international borrowers just as it does to domestic ones. We bypass the mountain of paperwork that typically delays international closings for months.
Strategic Benefits for International Investors
- Currency Hedge: Holding US real estate is a powerful way to hedge against currency fluctuations in your home country.
- Cash-Out Refinance: Already own US property? Use our program to pull out equity and fund your next purchase without needing a US bank account or credit history.
- Fast Closings: Move at the speed of the US market. Our streamlined process allows Foreign Nationals to compete with “all-cash” domestic buyers.
Conclusion: Global Capital Meets US Opportunity
The borders of your business shouldn’t stop at the edge of your country. If you have 50% equity to put down on a US investment property, the “Easy 50” program is your passport to the American real estate market.
Are you an international investor looking to scale your US portfolio? Visit our main page to see how the HardFunded Foreign National Program works.