Foreign National Loans in Texas
Texas - particularly Houston, Dallas, and El Paso - is a major destination for foreign national investors, especially from Mexico, Latin America, and the Middle East. Houston's energy industry and Dallas's growth corridor draw international capital into rentals. No state income tax improves after-tax yield for foreign owners.
Top Texas markets for foreign national
- Houston: Strong Mexican / Latin American buyer concentration.
- Dallas / Plano: International tech / corporate relocation rentals.
- El Paso: Cross-border investor activity from Mexico.
Texas quick facts
- •No state income tax
- •Major foreign-national investor destination
- •Fast LLC formation
- •FIRPTA applies to foreign-national exits
Active programs available in Texas
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.
Texas Foreign National FAQs
Can a foreign national close in a Texas LLC?
Yes. Texas LLC formation is fast and broker-friendly. Multi-member LLCs with all foreign-national members are permitted.
TX-specific foreign-national lender requirements?
Most TX-active foreign national programs require reserves seasoned 30-60 days in a US bank. Houston and Dallas have several dedicated foreign-national DSCR lenders that can close in 30-40 days.
TX FIRPTA implications on rental sale?
FIRPTA (federal) requires withholding 15% of gross sale price when a foreign-national seller exits. Plan for this at acquisition; some structures (US LLC with US-domiciled members) reduce exposure.
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 Texas foreign national scenario?
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