For foreign nationals
Foreign nationals finance United States property without domestic credit history
A foreign national investor describes one United States property deal in a 5-minute submit, and that single file is screened against 20,000+ loan programs that consider cross-border buyers. Most deals come back with 5–8 matches across those programs, and the median offer in under an hour, from an institutional lender. It is Zero upfront to submit and compare offers before closing on a purchase.
- 20,000+loan programs open to foreign national buyers
- 5–8matches on a typical cross-border deal
- Zero upfrontto submit and compare offers
- 1 hourmedian first offer
What does a foreign national investor actually get?
A foreign national investor gets terms compared across the programs that consider cross-border buyers, rather than a single lender’s narrow appetite. The property, the entity structure and the funds narrative are packaged into a credit file before any lender sees it.
YieldStack is a commercial mortgage brokerage, not a lender. The leverage, the rate and the credit decision sit with the lenders competing for the deal. What runs behind the scenes is the process that gets several of them evaluating the same file at once.
How does the process work without domestic credit history?
You describe the deal once, in a 5-minute submit, and that single file is screened against 20,000+ loan programs. Most deals come back with 5–8 matches across those programs, and the median offer in under an hour, from an institutional lender. A human deal team reads the offers with the investor and explains how each program treats foreign income and assets.
DSCR and multifamily programs built around property income, rather than a domestic credit history, are screened from the same submission a domestic borrower uses.
What does it cost?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
There is no charge to see what the market will offer on a property. If no offer is worth taking, the deal does not close and no fee is owed.
What happens to my information?
Deals stay anonymous to lenders before a letter of intent, so a foreign national investor compares offers without a name or an entity structure circulating the market ahead of a decision.
The pre-screen runs the checks a lender’s own first pass would run, on the property and the income behind it, so the file arrives explained rather than rejected by an automated pass.
Frequently Asked Questions
Do I need a domestic credit history to qualify?
No. Programs built around a property’s rental income are screened alongside conventional structures, so a domestic credit history is one factor rather than a requirement.
Can I close the purchase through an entity?
Yes. Entity vesting is ordinary for cross-border buyers, and the structure is described in the submission so lenders can quote on it directly.
How is proof of funds handled?
The submission carries a funds narrative that lenders read as part of the credit file, alongside the property and the income it will generate.
How long does it take to see offers?
The median offer in under an hour, from an institutional lender. A 5-minute submit is enough for the file to reach the programs that consider cross-border buyers.
Does my identity reach lenders before I choose an offer?
No. Deals stay anonymous before a letter of intent, so an investor compares offers without a name circulating the market first.
What happens after I choose a lender?
A human deal team negotiates the terms and stays on the file through closing. The lender underwrites the deal and makes the credit decision.
Is YieldStack a lender?
No. YieldStack is a commercial mortgage brokerage, not a lender. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Where does YieldStack operate?
Nationwide. YieldStack arranges commercial real estate financing nationwide. Every deal is business-purpose commercial financing, and the broker fee is paid only at closing.
Directory — structures, markets and related pages.
Loan structures
Markets
Most visited
Related pages
One submission.Offers built for you.
YieldStack is a commercial mortgage brokerage, not a lender.