Foreign National Loans in Arizona
Arizona's foreign-national investor base is concentrated in Phoenix metro, with significant Canadian snowbird ownership (Q4-Q1 second-home + STR strategy) and growing Latin American buyer interest. AZ's low property tax (under 1%) improves after-tax yield for offshore owners.
Top Arizona markets for foreign national
- Scottsdale / Paradise Valley: Canadian snowbird stronghold.
- Phoenix: Mexican investor segment; Old Town and Arcadia.
- Lake Havasu: Canadian + recreational buyer market.
Arizona quick facts
- •Canadian snowbird investor base
- •Low property tax (~1%)
- •Equifax Canada accepted in some programs
- •Spanish-language broker pool in Phoenix
Active programs available in Arizona
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Foreign National Investment Loan
confirmed 5/9/2026Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Arizona Foreign National FAQs
Can Canadians easily buy AZ rentals?
Yes - significant existing Canadian ownership in AZ. Most foreign-national DSCR programs in AZ explicitly support Canadian borrowers with simplified documentation (Equifax Canada credit reports accepted in lieu of US FICO).
AZ-specific reserves requirements for foreign nationals?
Standard 30-60 day US bank seasoning. Several AZ-active lenders accept currency-converted Canadian-bank statements with shorter US-side seasoning.
General foreign national questions
What documents does a foreign national need?
A valid passport, visa or visa-waiver evidence, two forms of ID, a foreign credit reference (or three letters of reference from international banks), and proof of funds for down payment plus reserves.
What’s the maximum LTV for a foreign national?
Most programs cap at 70–75% LTV on purchase and 65–70% on cash-out. The lower LTV vs. US-resident DSCR loans reflects the offshore funding profile.
How are reserves verified if my money is overseas?
Funds are usually wired to a US bank account 30–60 days before closing and seasoned in that account. A 30-day statement is acceptable at most lenders.
Got a Arizona foreign national scenario?
Tell us the deal - we'll match you with the right Arizona lender and come back with current pricing.