International · Florida
Foreign National Investor in Florida
Living abroad and investing in Florida real estate? Buy without a U.S. credit score, SSN, or tax return.
Common challenges we solve
- No U.S. credit history
- Need an LLC or trust to hold title
- Out-of-country closings and wires
- Cash-flow underwriting for short-term rentals
What you get with Lumos
Financing options for investment properties
Close in an LLC, trust, or personal name
Remote notarization at U.S. consulates
What's different in Florida
Many Florida investment purchases are condos, and buildings three stories or taller must meet the state's milestone inspection and structural integrity reserve (SIRS) rules — lenders review these before approving a unit. Florida has no state income tax; at closing, Florida charges documentary stamp tax on the note and deed and a one-time intangible tax on new mortgages, which we include in your estimate.
Loan programs that typically fit
Frequently asked
- Do I need a Social Security Number?
- No — passport and proof of foreign income or assets are sufficient.
- Can I close in an LLC?
- Yes — most foreign-national investors do, for liability and tax reasons.
- What rate should I expect?
- Pricing varies by lender and profile — we shop multiple lenders for you.
Related pages
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