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Tulare sits in the heart of California's Central Valley — agricultural land, steady rental demand, and prices well below coastal markets.
For foreign nationals, that affordability gap matters. Lower purchase prices mean smaller down payments and easier qualifying thresholds.
Not Required
US Credit History
30–40%
Typical Down Payment
12 Months+
Reserves Required
Non-QM
Loan Category
Foreign National Loans in Tulare
Foreign national loans don't require a US credit history or Social Security number. Lenders verify identity through a valid passport and visa documentation.
Most programs require 30–40% down. Reserves of 12 months or more are standard. Income is verified through foreign bank statements or asset documentation.
Local decision guide
Use this guide to connect foreign national loans eligibility, lender expectations, and local market factors before comparing payment options in Tulare.
Tulare sits in the heart of California's Central Valley — agricultural land, steady rental demand, and prices well below coastal markets.
For foreign nationals, that affordability gap matters. Lower purchase prices mean smaller down payments and easier qualifying thresholds.
Foreign national loans don't require a US credit history or Social Security number. Lenders verify identity through a valid passport and visa documentation.
Most retail banks won't touch foreign national loans. This is a niche product — you need wholesale lenders who specialize in non-QM programs.
SRK CAPITAL works with 200+ wholesale lenders. We know which ones have competitive foreign national programs and which ones will waste your time.
The biggest deal-killers I see: buyers underestimating reserves or showing up with informal income documentation. Get those organized before you apply.
Visa type matters more than most buyers expect. Certain visa categories limit eligible property types or loan structures. Know your visa situation upfront.
If you have an ITIN number and US income history, an ITIN loan may get you better rates and lower down payment requirements than a foreign national program.
DSCR loans are another option if you're buying a rental property. They qualify based on rental income — not your personal income at all.
Tulare County has a large agricultural workforce with international ties. Foreign buyers here often target rental properties near farms and processing centers.
Property values in Tulare remain accessible compared to most California markets. That makes qualifying loan amounts more manageable under foreign national guidelines.
No. Foreign national loans use your passport and visa for identity. A Social Security number is not required.
Eligibility varies by lender. Common eligible visas include B1, B2, and investor visas. Your broker confirms eligibility based on your specific visa.
Yes. Investment properties are a common use case. Some lenders pair foreign national guidelines with DSCR qualification to simplify income verification.
Most foreign national programs require 30–40% down. Higher down payments often unlock better rates. Rates vary by borrower profile and market conditions.
Yes. Many lenders accept foreign bank statements or asset documentation in place of US tax returns. Translation and conversion to USD may be required.
Tulare's lower price points and rental demand from the agricultural sector make it a practical entry point for foreign investors compared to coastal California.