Customized private capital solutions for complex transaction
Foreign Nationals & U.S. Expats
HOUSTON FiNTECH structures financing for acquisitions, construction, land, and developments. We arrange debt financing from $1 million to over $250 million for lower middle-market companies and serve clients across the U.S. and key international markets.
Global Private Capital
Loan Programs We Offer
Investment Property Loans (Foreign Nationals & U.S. Expats)
We offer financing solutions for investment properties, including rentals, multifamily, and select commercial real estate.
- DSCR Loans – Qualify based on rental income rather than personal income, with loan-to-value ratios up to 80%. No U.S. credit history required for eligible borrowers.
- Negative Cash Flow Flex – Financing options are available even when a property does not currently meet traditional cash-flow coverage standards, making this ideal for renovation projects or properties in growth markets.
- Pure Investment Property Loans – Designed for rental, multifamily, and commercial investment properties.
Second Home Loans (Foreign Nationals & U.S. Expats)**
Finance vacation homes, family residences, or student housing in the United States.
- Up to 80% LTV for U.S. expats
- Up to 75% LTV for foreign nationals
- Overseas income and assets may be accepted
- No U.S. tax returns required for eligible borrowers
Wealth and Asset-Based Loans (High-Net-Worth Borrowers & Retirees)
Flexible financing options for borrowers with substantial liquid assets or retirement income.
- Asset Depletion Loans – Use eligible savings, investment accounts, or retirement assets to qualify instead of traditional income documentation
- Tailored high-net-worth solutions without asset-under-management requirements
Specialty Programs for Global Investors
- Bridge Loans – Short-term financing with fast closings, sometimes in as little as two weeks, with up to 70% LTV and asset-based qualification
- Portfolio Loans – Finance multiple U.S. properties under one streamlined loan structure
- Commercial Real Estate Loans – Financing for multifamily, office, mixed-use, and retail investment properties, with consideration for foreign income and global assets
- Cash-Out Refinance – Access equity from U.S. properties for reinvestment, business purposes, or personal liquidity needs
- Equity Release – Unlock property value without selling, with flexible terms up to 30 years
Additional Programs
- No-income loan options for eligible self-employed borrowers
- Customized financing solutions for complex borrower profiles
We structure financing solutions that go beyond traditional underwriting by considering global income, overseas assets, and the unique needs of international and cross-border investors.
Foreign Nationals & U.S. Expats
Custom Private Capital Solutions
We help clients pursue their goals through customized funding solutions tailored to the unique needs of each transaction. Our capabilities include commercial bridge loans for acquisitions, construction, land, development, workouts, bankruptcies, and foreclosure-related opportunities.
Unlike traditional private capital brokers, we take a more hands-on, strategic approach. We work to understand each client’s unique circumstances and structure a funding solution aligned with their vision, objectives, and transaction requirements. Our principals oversee every loan because we believe every client deserves senior-level expertise and attention.
Foreign National Borrower Guidelines
A Foreign National Borrower is an individual who is not a resident of the United States and does not permanently reside or work in the United States. The borrower must have an unexpired passport from their country of citizenship.
Ineligible Borrowers
Residents of countries not permitted to transact business with U.S. companies, as determined by applicable U.S. government authorities, are not eligible.
Any required translations must be completed by a certified translator.
If the loan closing takes place outside the United States, it must be scheduled at a U.S. Embassy or Consulate.
Occupancy Eligibility
- Primary residence: Not allowed
- Second home: Allowed
- Investment property: Allowed
Income Documentation
Self-Employed Foreign Nationals
The borrower must provide a letter on company letterhead from a qualified professional in the borrower’s country of residence, such as an accountant, CPA, financial institution officer, or licensed financial advisor. The letter must verify:
- the nature of the business
- income for the prior two years
- year-to-date income
The letter must be translated into English by a certified translator, if applicable.
The borrower must also provide evidence of business existence, such as:
- a company website, or
- a business or operating license issued by a government authority
Foreign tax returns may also be required.
Wage-Earner Foreign Nationals
The borrower must provide a letter on company letterhead from an authorized employer representative stating:
- employment history
- position/title
- length of employment
- year-to-date earnings
- earnings for the prior two years
The letter must be translated into English by a certified translator, if applicable.
Foreign tax returns may also be required.
Eligible Assets
Assets held outside the United States may be eligible. Borrowers must provide:
- the two most recent bank statements for foreign-held assets
- certified English translations of statements, if applicable
For U.S.-based assets, borrowers must provide:
- the two most recent bank statements
Gift funds are allowed, provided the borrower submits:
- the donor’s most recent bank statement
- a gift letter from the donor
- certified English translations, if applicable
Credit
U.S. credit is not required.
If a foreign credit report is unavailable, the borrower may provide:
- three credit reference letters, translated into English, showing a 24-month history
Vesting
Title may be held in an LLC, but it must be a United States LLC, and none of its members may be foreign entities.
ITIN Program Guidelines
An Individual Taxpayer Identification Number (ITIN) borrower is a person who resides and works in the United States, has an ITIN, but does not have U.S. citizenship.
Required Documentation
Borrowers must provide:
an unexpired ITIN card or IRS-issued letter confirming ITIN issuance
- an unexpired government-issued photo ID, such as a driver’s license, passport, or visa
- evidence of a two-year history of living and working in the United States
- a valid U.S. FICO score with a minimum of two scores
- a 12-month housing history
Tradeline Requirements
The primary wage earner must meet one of the following minimum tradeline requirements:
- 3 tradelines reporting for at least 12 months, with activity in the last 12 months, or
- 2 tradelines reporting for at least 24 months, with activity in the last 12 months
If the primary wage earner has three credit scores, the minimum tradeline requirement is waived.
Global Commercial Funding Solutions
HOUSTON FiNTECH arranges structured financing for qualified commercial projects in the U.S. and select international markets. Through our network of lenders and capital providers, we help borrowers pursue funding solutions for construction, commercial real estate, business expansion, and other complex transactions typically starting at $10 million and above.
Our role is to help clients present their opportunities professionally, navigate lender requirements, and identify the right capital structure based on the project’s size, location, collateral profile, and funding objectives.
Typical Requirements May Include:
- Loan application and executive summary
- Company documents and borrower identification
- Financial statements and projections
- Site plans and feasibility reports for construction projects
- Collateral or security enhancements, where required
Every transaction is reviewed individually, and all terms are subject to underwriting, due diligence, and final lender approval.
SUBMIT AN OPPORTUNITY
REAL ESTATE
HOUSTON FiNTECH provides private capital financing solutions for a wide range of real estate transactions, including bridge loans, fix-and-flip financing, construction loans, and refinance opportunities. We support residential and commercial real estate investors across multifamily, mixed-use, retail, office, warehouse, and other investor-focused asset classes.
MIDDLE-MARKET
HOUSTON FiNTECH is a private capital brokerage firm providing private lending, private credit, and private equity solutions for middle-market opportunities in the United States and international markets. We help clients secure flexible, strategically structured capital for complex transactions where speed, certainty, and customized execution matter.