Who It Fits
Who a foreign national loan is for.
If you’re not a U.S. citizen or permanent resident, the conventional mortgage system has no file on you — no FICO score, no SSN, no domestic tax returns. That’s not a disqualifier. It just means you need a lender who knows how to underwrite you anyway.
We finance:
- International investors buying U.S. rental property — often the strongest, simplest case
- Second-home buyers who want a place in Miami, the beach, or the mountains
- Non-residents and visa holders with income and assets abroad
- ITIN borrowers who file U.S. taxes with an Individual Taxpayer Identification Number instead of an SSN — see the Non-QM pillar for the full ITIN program
Miami is the center of this market, and it’s our backyard. International buyers move through South Florida in a way they don’t through most of the country — and there’s almost no national-lender competition for these files. This is a lane we own.
How It Works
How you qualify without U.S. credit.
The paperwork looks different, but the logic is the same: show us you can afford it and that the money is legitimate.
- Credit — instead of a U.S. score, we can use an international credit reference or reference letters from your foreign banks. No U.S. history required.
- Income — verified the way you earn it: a foreign employment letter if you’re regularly employed, or a letter from your foreign CPA / accountant if you’re self-employed (translated where needed). No U.S. tax returns. Or skip personal income entirely with a DSCR loan when you’re buying to rent (investment / business-purpose) — qualify on the property’s income, not yours.
- Identity & status — passport and visa documentation.
- Down payment — foreign national loans generally require a larger down payment than a loan for a domestic borrower. We’ll tell you exactly where you land for your scenario — no surprises.
- Source of funds & reserves — clear documentation of where the funds come from, plus reserves.
An LLC is often the right way to hold an investment purchase — we’ll walk you through it.
Two Paths
Investment vs. second home.
Which loan you get depends on how you’ll use the property, and the difference matters.
Business Purpose
Investment / rental
Buying to rent it out? We can often qualify the property on its own rental income with a DSCR loan — no personal income documentation at all. It’s business-purpose credit, which means a cleaner, faster path for a foreign investor. This is the most common foreign-national file we close.
Consumer Credit
Second home (personal use)
Buying a place you’ll use yourself is consumer financing — documented through your income and assets abroad. Different rules, different file, and we’ll set it up correctly from the start.
Tell us which one you are, and we’ll point you at the right structure.
Why Miami, Why Olympus
The right lender for the international buyer.
Miami is a global city, and international ownership here is normal, not exotic. We’re headquartered in the middle of it, we’re a broker and non-delegated correspondent with 80+ investor relationships, and foreign-national and non-warrantable/condo financing is a core part of what we do — including the beachfront and condo-hotel buildings that make national lenders walk away.
When you’re buying from another country, you want a lender who has done exactly this many times. That’s us.
