1st Capital Group offers foreign national investment mortgages — also known as buy-to-let mortgages — for international buyers looking to invest in U.S. rental properties. This program is available nationwide in all 50 states with financing up to 75% LTV.
What sets this program apart is its flexibility: it covers property types that most foreign national programs exclude, including condo hotels (condotels) and non-warrantable condominiums. The program is available for both second/vacation home purchases and pure investment property purchases.
With access to over 60 wholesale lenders, we compare terms across our entire network to find the best rate and structure for your investment strategy.
Loan Details
| Minimum Down Payment | 25% (up to 50% in some cases) |
|---|---|
| Maximum LTV | 75% |
| Loan Amounts | Up to $3M+ |
| Interest Rates | Competitive — call (954) 300-1287 for current rates |
| U.S. Credit Required | No |
| Property Types | Investment, second/vacation home, condotels, non-warrantable condos |
| Coverage | All 50 states |
| Eligible Use | Investment property AND second/vacation home |
What You Will Need
- Valid passport with eligible U.S. visa or visa waiver
- Completed mortgage application
- Bank statements showing funds for down payment, closing costs, and reserves
- Employment or income documentation (CPA letter or employer letter)
- Credit reference letters from home country
- U.S. bank account for ACH mortgage payment setup
- For condotels: call to pre-qualify the specific development
Frequently Asked Questions
Can I finance a condo hotel (condotel) as a foreign national?
Yes. This is one of very few foreign national loan programs that covers condo hotels and non-warrantable condominiums. Contact us to pre-qualify the specific development.
Is this program available outside Florida?
Yes. The investment / buy-to-let mortgage is available in all 50 U.S. states, making it one of the most geographically flexible foreign national programs.
Can I use this for a vacation home, not just investment?
Yes. This program is available for both investment properties and second/vacation homes, giving you flexibility in how you use the property.
What is the maximum loan amount?
Loan amounts up to $3 million or more are available depending on the lender and property type.
How does this differ from a DSCR loan?
A DSCR loan qualifies you based on the property rental cash flow. The investment/buy-to-let program may require income documentation but offers broader property type coverage (condotels, non-warrantable condos). We can help you determine which program is the best fit.
Ready to Get Started?
Get a free consultation with Nick Lazarevic. We will match you with the best program from our network of 60+ lenders.
Related Programs: All Foreign National Programs | DSCR Investment Loans | 80% LTV Purchase | Super Jumbo (70% LTV)
Related options: compare DSCR investment property loans, DSCR loans for foreign nationals, and bank statement loans.
1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Nick Lazarevic NMLS #38639 | Licensed Mortgage Lender | Equal Housing Opportunity | All loans subject to lender underwriting approval. Programs, rates, terms, and conditions are subject to change without notice. Not a commitment to lend.