California has long been a magnet for global capital. From its thriving economy to its world-class lifestyle, the state attracts investors, immigrants, and entrepreneurs eager to participate in one of the most resilient real estate markets in the world. But while the demand is strong, the financing process for international clients often reveals barriers that conventional banks are unwilling—or unable—to address.
At Capital Direct Funding (CDF), we specialize in removing those barriers. Our focus is on designing financing strategies that match the real-world needs of global clients who may not fit neatly into traditional underwriting boxes. By leveraging innovative Non-QM (Non-Qualified Mortgage) loan programs, we help clients secure ownership, investment, and long-term wealth-building opportunities in California’s housing market.
Challenges International Clients Face
Many foreign nationals and immigrant buyers encounter the same obstacles when approaching traditional banks:
Lack of U.S. income documentation. Conventional underwriting relies heavily on W-2 income and years of U.S. tax returns. Newcomers rarely have these.
No Social Security Number (SSN). For clients using an Individual Taxpayer Identification Number (ITIN), many banks simply decline applications outright.
Self-employment or non-traditional income. Entrepreneurs, contractors, and investors often have income streams that don’t show up in conventional pay stubs, making bank approval difficult.
These requirements don’t reflect a lack of ability to pay. Instead, they reflect a rigid system that excludes capable borrowers. That’s where CDF comes in.
The CDF Advantage: Non-QM Lending Tools
Non-QM loans give us the flexibility to qualify clients based on their real financial strength—not just what fits into a bank’s narrow definition. At CDF, we’ve built deep expertise in several programs designed to serve international and non-traditional borrowers:
DSCR (Debt Service Coverage Ratio) Loans. These focus on the income-generating potential of the property itself rather than personal tax returns, ideal for investors purchasing rental properties.
Bank Statement Loans. Instead of tax returns, these evaluate income through personal or business bank statements, opening doors for self-employed professionals and entrepreneurs.
ITIN Loans. Tailored for clients without a Social Security Number, these loans allow qualified ITIN holders to purchase property and begin building equity in California.
Foreign National Loans. These programs are designed specifically for non-U.S. citizens investing in U.S. real estate, with documentation adapted to global financial realities.
What makes these programs powerful isn’t just the loan
products— it’s the service model behind them. At CDF,
every client receives:
Customized Guidance
We analyze client backgrounds, assets, and goals to identify the best-fit program.
Speed and Execution
We know timing is everything in California real estate, which is why our processes are streamlined to meet short closing windows.
Trust and Transparency
From the first consultation to final funding, we prioritize clarity so international clients understand every step of the transaction.
Why It Matters
By making these financing solutions accessible, we’re not just closing loans—we’re enabling global participation in one of the strongest real estate markets in the world. For international investors, it means accessing stable and appreciating assets.
For immigrant families, it means planting roots and building generational wealth. And for California, it means a housing market that reflects the state’s global character and opportunity.
Partner with CDF
If you are an international investor, ITIN holder, or self-employed entrepreneur, California real estate doesn’t have to remain out of reach. With the right partner, financing is not only possible—it’s achievable with speed, creativity, and trust.
At Capital Direct Funding, our mission is clear:
to make California’s housing market open and accessible to the global community.
📞 Call us today at (626) 796-1680
🌐 Visit us at capitaldf.com
Sources:
Foreign National Real Estate Financing Analysis – California (2025)