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Gardena attracts foreign nationals investing in LA County real estate. The city sits 10 minutes from LAX with direct freeway access to downtown LA and South Bay employment centers.
Foreign buyers target Gardena for rental income and long-term appreciation. Most conventional lenders won't touch these deals. You need specialized non-QM programs that underwrite differently.
We close foreign national loans across Gardena's diverse housing stock. Single-family rentals, small multifamily buildings, and investment condos all qualify under the right program structure.
Foreign National Loans in Gardena
You need valid passport documentation and proof of foreign income or assets. US credit scores don't apply. Lenders verify financial stability through international bank statements and asset documentation.
Most programs require 30-40% down on primary purchases, 35-50% on investment properties. Expect higher rates reflecting non-citizen risk pricing.
No SSN needed. ITIN optional but not required for most lenders. You can close in your personal name, an LLC, or through a foreign trust depending on tax strategy.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Gardena.
Gardena attracts foreign nationals investing in LA County real estate. The city sits 10 minutes from LAX with direct freeway access to downtown LA and South Bay employment centers.
Foreign buyers target Gardena for rental income and long-term appreciation. Most conventional lenders won't touch these deals. You need specialized non-QM programs that underwrite differently.
We close foreign national loans across Gardena's diverse housing stock. Single-family rentals, small multifamily buildings, and investment condos all qualify under the right program structure.
Only specialized non-QM lenders offer foreign national programs. Traditional banks won't approve these loans regardless of your financial profile.
Each lender prices differently based on citizenship country and property type. Chinese nationals often get better pricing than borrowers from higher-risk countries due to lender portfolio preferences.
Some lenders cap loan amounts at $2-3 million. Others go higher but add significant rate premiums. We compare 15-20 foreign national lenders to find your best execution.
Foreign national deals fail most often on documentation translation and verification. Get bank statements translated by certified translators before applying. Saves weeks during underwriting.
Investment property loans close easier than primary residence claims. Most lenders assume foreign nationals buy US property as investments regardless of stated intent.
Form your US entity before starting the loan process if that's your ownership strategy. Retroactive entity formation during escrow kills deals. Tax advisors should weigh in early on structure.
ITIN loans require US tax ID numbers. Foreign national programs don't. If you already have an ITIN, those loans typically offer better pricing.
DSCR loans work for foreign nationals buying rental properties. Pure DSCR programs ignore borrower nationality entirely and underwrite on property cash flow alone. Often cheaper than foreign national specific products.
Asset depletion programs qualify foreign buyers based on liquid assets without income verification. Good alternative if you hold significant cash but limited documentable income streams.
Gardena properties under $800K dominate inventory. Foreign national programs work best in this price range. Higher loan amounts face steeper rate premiums and fewer lender options.
The city's proximity to LAX makes Gardena popular with Asian investors. We've closed foreign national loans for buyers from China, Japan, Korea, and Taiwan here.
Rental demand stays strong near Artesia Boulevard's business district. DSCR underwriting performs well on Gardena investment properties given consistent tenant demand and reasonable property taxes.
Yes. Remote closings work through POA or mobile notary arrangements. You never need to enter the US to complete the purchase.
Not for approval. You'll need US accounts to receive rental income and pay the mortgage. Most borrowers open accounts after loan approval.
Expect 30-40% down for primary residence, 35-50% for investment properties. Exact requirements depend on loan amount and your country of citizenship.
Bank statements showing consistent deposits work for most lenders. Some require employment letters or business documentation translated to English by certified translators.
Yes, up to four units. Expect higher down payments on 3-4 unit buildings. DSCR loans often price better than foreign national products for multifamily.
Rates typically run 7-10% depending on down payment and property type. Rates vary by borrower profile and market conditions.