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Rialto sits in the Inland Empire, one of California's most active logistics and warehouse corridors. That draws foreign investors and overseas buyers looking for U.S. property.
Foreign national loans are non-QM products. That means they fall outside standard agency guidelines — but plenty of wholesale lenders offer solid programs for this buyer profile.
25-30%
Min Down Payment
Not always
U.S. Credit Required
Non-QM
Loan Type
30-45 days
Est. Close Time
No
SSN Required
Foreign National Loans in Rialto
Most lenders want a valid passport and visa documentation. Some accept buyers from visa-exempt countries with no U.S. visa at all.
Down payments typically start at 25-30%. Credit history from your home country helps, but some lenders will underwrite without a U.S. credit score.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Rialto.
Rialto sits in the Inland Empire, one of California's most active logistics and warehouse corridors. That draws foreign investors and overseas buyers looking for U.S. property.
Foreign national loans are non-QM products. That means they fall outside standard agency guidelines — but plenty of wholesale lenders offer solid programs for this buyer profile.
Most lenders want a valid passport and visa documentation. Some accept buyers from visa-exempt countries with no U.S. visa at all.
Retail banks rarely touch foreign national files. This is a wholesale lender niche — and that's exactly where SRK CAPITAL operates.
We have access to 200+ wholesale lenders. Several specialize in foreign national programs with competitive terms. Rates vary by borrower profile and market conditions.
The biggest deal-killers on foreign national files are title issues and wire transfer documentation. Get ahead of both early.
Buyers using overseas income need it sourced and documented clearly. Lenders want to see where the money comes from — not just that it exists.
If you have an ITIN and U.S.-based income, an ITIN loan is usually a better fit. Lower down payment, more lender options.
If the property will generate rental income, a DSCR loan may work instead. DSCR lenders qualify on property cash flow — not your personal income at all.
Rialto's industrial real estate boom has put it on the radar for international buyers, especially those tied to logistics and trade businesses.
San Bernardino County has no local transfer tax beyond state requirements. That keeps closing costs more predictable for foreign buyers unfamiliar with California fees.
Yes. Several wholesale lenders accept foreign credit history or underwrite based on assets and down payment. A larger down payment helps your case.
Most lenders require funds to be in a U.S. account before closing. You'll need to document the international wire transfer source clearly.
B1, B2, and other non-immigrant visas are commonly accepted. Visa-exempt country nationals may also qualify — it depends on the lender.
Expect 25-30% minimum for most foreign national programs. Some lenders require more depending on property type and borrower country of origin.
Yes. Many foreign national buyers in the Inland Empire are targeting investment or rental properties. A DSCR loan may also be worth comparing.
Plan for 30-45 days minimum. Documentation from overseas takes time to gather and verify. Starting early prevents delays.