VCI Intel — Capital Intelligence For Investors

Funding Solutions

Designed Around Opportunity

Precision financing matched to your investment strategy — not generic lending.

Investor Finance

Portfolio expansion loans for active real estate investors.

Land & Ranch

Acquisition financing for rural land, farms, and agricultural investments.

Commercial Capital

Structured financing for commercial real estate acquisition.

Self-Employed Programs

Bank statement and 1099 loans for non-traditional income.

Global Investor Programs

Foreign national financing for US real estate. No US credit required.

Who We Help

Capital Solutions For Every Borrower

Each borrower profile has distinct capital needs — and a program designed specifically for them.

Real Estate Investors

Fix-and-flip, buy-and-hold, BRRRR, and portfolio growth. DSCR loans that qualify on property income — not personal tax returns.

Business Owners

Operating capital, commercial real estate acquisition, and expansion financing for established businesses.

Entrepreneurs

Self-employed borrowers and 1099 earners who need financing that recognizes their actual income.

Land Buyers

Raw land, agricultural parcels, and rural investment properties. Long-term acquisition financing.

Farm & Ranch Operators

Specialized financing for working farms — land purchase, equipment, and operational capital.

Global Investors

Foreign national programs for international investors pursuing US real estate. 80+ countries served.

Financing Solutions

Programs That Match Your Strategy

Every program is structured around a specific borrower type.

DSCR Loans
Qualify on rental income, not personal tax returns.
Bank Statement Loans
12–24 month analysis. No tax returns required.
1099 Programs
Contractor and freelancer income accepted.
Commercial Financing
Retail, office, industrial, and mixed-use.
Farm & Ranch Financing
Agricultural land and operational capital.
Business Capital
Working capital and expansion loans.
Foreign National Programs
DSCR & asset-based for non-US citizens.

Not Sure Which Program Fits?

Our funding assessment matches your profile to the right capital solution in under 5 minutes. No obligation. No hard credit pull.

Pre-qualification in 48 hours
No W-2 required on select programs
Investor-friendly underwriting
Loans from $150K to $10M+
Foreign national programs available

Start Assessment ›

Global Investor Solutions

Foreign National Financing

Specialized capital solutions for international investors acquiring US real estate — no US credit history required.

$59B+

Foreign Natl. US RE / Year

80+

Countries Served

No US Credit

Required

DSCR Based

Qualify on Property Income

Countries Actively Served

🇲🇽Mexico

🇨🇦Canada

🇬🇧UK

🇦🇪UAE

🇩🇪Germany

🇨🇳China

🇮🇳India

🇧🇷Brazil

🇦🇺Australia

🇰🇷Korea

🇫🇷France

🌍+70 More

Explore This Program

Three Ways to Learn More

Whether you prefer to read, see, or hear — explore Foreign National financing in the format that works for you.

📄Text

🗺️Visual

🎧Auditory

DSCR Loans — No US Income Required
Qualify based on rental income, not personal income or US tax history.
No US Credit History Needed
International credit profiles, ITIN borrowers, passport-only ID accepted on select programs.
Asset-Based Qualification
Qualify using verifiable foreign assets, bank statements, or documented international income.
US LLC & Entity Purchases Accepted
Purchase through a domestic LLC — preferred strategy for foreign nationals managing tax exposure.
Loan Amounts: $150K – $5M+
Single-family to multi-unit commercial acquisitions. Available across most US states.
30-Day Close Available
Remote closings accepted. No US travel required in most cases.

Identify the Property

Select a US income-producing property. Rental income drives qualification.

SFR · Multi-Family · Commercial · Mixed-Use

Submit Your Assessment

Passport, foreign bank statements, and property details — 5 minutes total.

Passport · Foreign Bank Statements · Property Info

DSCR Underwriting

Property income covers the mortgage — your personal income is not the deciding factor.

DSCR Minimum: 1.0x · Typical Target: 1.2x+

Remote Closing

Close from anywhere in the world. International wire and LLC closing options available.

Timeline: 21–30 Days · Remote-Friendly

Own & Collect Income

Your US property is funded and generating income. Scale with repeat financing.

Scalable · Portfolio Repeat Financing

Press play to hear a spoken overview of our Foreign National programs. Each card covers a key aspect in plain language.

What Is a Foreign National Loan?

Program overview — who qualifies and how it works

How DSCR Qualification Works

Understanding the debt-service ratio

Documents You'll Need

Passport, foreign bank statements, and the full list

LLC & Entity Buying Strategy

Why foreign investors use US LLCs

Apply as a Foreign National › Call (480) 450-6771

Paula — Senior Funding Advisor, VCI Intel

Capital
Specialist

Your Capital Specialist

Paula

Senior Funding Advisor — VCI Intel

With deep expertise across investor financing, self-employed programs, foreign national solutions, and commercial capital, Paula works directly with clients to match them to the right funding structure — fast. Whether you're acquiring land, scaling a portfolio, or accessing business capital from anywhere in the world, Paula guides you from assessment to approval.

(480) 451-6771

intel@vciintel.com

Schedule a Consultation ›

CapitalIntelligenceFor Investors