Question 1

Can I buy in West Sacramento without a US credit score?

Accepted Answer

Yes. Foreign national loans don't require US credit history. Lenders use your passport, visa, and foreign financial documents instead.

Question 2

What visa types qualify for foreign national loans?

Accepted Answer

Most visas work — B1, B2, E, H, L, O, and others. Lenders review visa status individually, so it depends on the file.

Question 3

Can I use rental income to qualify in West Sacramento?

Accepted Answer

Possibly. Some lenders allow projected rental income. A DSCR loan may actually work better for pure investment purchases.

Question 4

How much cash do I need to close?

Accepted Answer

Plan for 25–30% down plus closing costs plus 12 months of reserves. This loan requires serious liquidity.

Question 5

Does SRK CAPITAL work with foreign national buyers in Yolo County?

Accepted Answer

Yes. We have wholesale lenders that specialize in this product. We shop across those lenders to find the best fit for your situation.

Foreign National Loans in West Sacramento, CA