South Florida remains the top international real estate market in the United States, attracting buyers from Latin America, Europe, Canada, and Asia. Foreign national investors can easily secure private non-QM financing for Florida residential rentals without US credit history.
How International Borrowers Qualify
Foreign national loans require: a valid passport and foreign visa, a reference letter from an international bank, and standard liquidity reserves. Property rental income (documented via lease or appraisal Form 1007) is used to satisfy DSCR coverage.
Loan Terms and Leverage
International borrowers can achieve up to 70-75% purchase LTV and 65% cash-out refinance LTV with 30-year fixed or interest-only payment structures. Transactions close smoothly inside a Florida LLC.
Adler Capital specializes in seamless international debt advisory with direct closing coordination across Miami and Broward.
