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Calimesa sits in the Inland Empire — one of California's more affordable entry points for international buyers.
Foreign nationals can buy here as a vacation property, investment, or second home. This is a non-QM loan, meaning standard US income rules don't apply.
Not Required
US Credit Score Required
30–40%
Typical Down Payment
12–24 Months
Cash Reserves
Non-QM
Loan Type
Foreign National Loans in Calimesa
You do not need a US credit score or Social Security number. Lenders verify your identity using a valid passport and visa documentation.
Most lenders require 30–40% down. Reserves of 12–24 months are standard. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Calimesa.
Calimesa sits in the Inland Empire — one of California's more affordable entry points for international buyers.
Foreign nationals can buy here as a vacation property, investment, or second home. This is a non-QM loan, meaning standard US income rules don't apply.
You do not need a US credit score or Social Security number. Lenders verify your identity using a valid passport and visa documentation.
Very few retail banks touch foreign national loans. This is almost exclusively a wholesale and portfolio lender product.
At SRK CAPITAL, we have access to 200+ wholesale lenders. That matters here — foreign national programs vary significantly across lenders.
The biggest deal-killer is wire transfer documentation. Lenders need a clear paper trail showing funds came from a legitimate foreign source.
Get your source-of-funds letter ready before you make an offer. Delays in that document slow closings fast.
If you have an ITIN number, an ITIN loan may offer better rates and lower down payment requirements than a foreign national loan.
DSCR loans are another strong option if you're buying an investment property. Qualification is based on rental income, not personal income.
Calimesa is a small city in Riverside County with lower price points than Los Angeles or Orange County. That makes the large down payment easier to manage.
The area attracts buyers looking for quieter suburban living near the San Bernardino mountains. Investment buyers here often target long-term rentals.
No. Foreign national loans use your passport and international financial documents. A US credit history is not required.
Yes. Investment properties are eligible. A DSCR loan may also work if the property generates rental income.
Plan for 30–40% down. Lenders also require 12–24 months of cash reserves after closing.
Some lenders allow remote closings with a power of attorney. Check with your broker before assuming this option is available.
Accepted visa types vary by lender. Tourist, investor, and work visas are often eligible. Your specific visa will affect program options.
Lenders accept foreign income documents, bank statements, or asset-based qualification. US tax returns are not required.