Can a foreign national get a fix-and-flip loan in the US?

Yes. Some hard-money and fix-and-flip lenders fund foreign nationals without a Social Security number, using a passport and an ITIN where needed. Expect a larger down payment, typically more than a US borrower puts down, a US entity and bank account, and a smaller field of lenders.

What do foreign nationals need for a US flip loan?

Usually a valid passport, a US LLC to take title, a US business bank account, proof of funds for the down payment and reserves, and sometimes an ITIN. Credit is judged differently since there is no US score, so the deal's numbers and your liquidity carry more weight.

Lender guide

Foreign National Fix-and-Flip Loans (2026)

Foreign investors can flip US property with financing, no Social Security number required, but the bar is higher: more down, a US entity and bank account, and a lender that does foreign-national deals. Here is how to choose.

By Owen Brandt, Research Editor. Updated June 13, 2026.

Most "foreign national lender" lists are written by a lender or an affiliate paid to rank one. We do the opposite: we show you what a foreign-national flip actually requires so you can judge a lender yourself. Where we link to a lender, we say so. See our disclosure.

What is different for a foreign national

Fix-and-flip financing for a foreign national works like a US flipper's hard money loan, with extra requirements:

No SSN needed, but more structure. Lenders use a passport and sometimes an ITIN. You will typically need a US LLC to take title and a US business bank account.
A larger down payment. Expect to put down more than a US borrower, since the lender cannot pull a US credit score and wants more skin in the game.
Liquidity matters more. Proof of funds for the down payment, the rehab, and reserves carries extra weight when there is no US credit history.
A smaller field. Fewer lenders do foreign-national flips, so shopping is essential.

If your goal is a buy-and-hold rather than a flip, see foreign national DSCR loans and best DSCR lenders for foreign nationals.

The five things that separate lenders

Foreign-national appetite. Do they fund non-US borrowers at all, and from your country?
Down payment and loan-to-cost. How much of the purchase and rehab they fund for a foreign national.
Entity and banking requirements. What US structure they need before closing.
Rehab draw process. How fast draws release, which decides whether your project stalls.
Rate and points for your profile. Compare the real cost, not the advertised best case.

Established lenders to research

These national investor lenders work with a range of investor profiles. We list them as starting points to research, not endorsements, and you should confirm directly whether they fund foreign-national fix-and-flip deals and on what terms.

Compare foreign-national options. Confirm terms on each lender's site. Some links may be affiliate links; see our disclosure.

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Before you apply as a foreign national

Set up the US entity and bank account and gather proof of funds first, then run the deal on the fix and flip calculator and plan the exit, whether a sale or a refinance into a foreign national DSCR loan.