In today’s dynamic real estate market, speed and adaptability aren’t just advantages—they’re necessities—especially for foreign national borrowers.
International buyers often navigate complex challenges: compressed transaction timelines, language and cultural barriers, and documentation systems that differ significantly from U.S. norms.
Traditional bank underwriting rarely accommodates these nuances, leading to delays, denials, and missed opportunities.
That’s where private lenders like Capital Direct Funding (CDF) make a decisive difference.
Designed for Global Borrowers
Capital Direct Funding’s underwriting process is intentionally built with international clients in mind.
Rather than applying rigid, one-size-fits-all criteria, our team evaluates the whole picture—including foreign income streams, overseas assets, and non-traditional credit histories.
For example, clients holding an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number can still qualify for competitive financing through our ITIN loan programs.
Real estate investors, meanwhile, benefit from Debt Service Coverage Ratio (DSCR) loans that prioritize property cash flow over personal income—a game-changer for portfolio expansion.
Speed Without Sacrificing Service
While conventional lenders may require 45–90 days to close, Capital Direct Funding routinely approves and funds loans in as little as 5–7 business days.
This accelerated timeline is critical for foreign nationals competing in fast-moving markets, where hesitation can mean losing a property to a cash buyer or domestic borrower with smoother financing.
Our responsive, service-first approach means multilingual support, proactive communication, and a dedicated point of contact—minimizing confusion and maximizing confidence throughout the process.
Flexibility Built Into Every Loan
Private lending isn’t just about speed—it’s about customization.
Whether you’re an immigrant family purchasing your first U.S. home, a seasoned overseas investor acquiring rental properties, or a developer seeking bridge financing, CDF crafts solutions aligned with your goals—not bank policy manuals.
Loan-to-value ratios, reserve requirements, and documentation expectations are all assessed contextually, opening doors that conventional lenders keep locked.
Real Impact, Real Stories
Consider a Canadian investor who secured a DSCR loan for a Miami condo in under a week—despite having zero U.S. credit history.
Or a Brazilian entrepreneur who used her São Paulo property as part of her collateral profile to qualify for an ITIN-based refinance in Los Angeles.
These aren’t exceptions; they’re everyday outcomes made possible by a private lending model that understands global mobility.
For foreign nationals, opportunity doesn’t wait—and neither should financing.
Let Capital Direct Funding help you move quickly, confidently, and competitively in the U.S. real estate market.
Call us today at (626) 796-1680 or learn more at capitaldf.com.