International · Texas
Foreign National Investor in Texas
Living abroad and investing in Texas 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 Texas
Texas has no state income tax, but property tax rates are among the higher ones in the country, and newer subdivisions often add MUD or PID assessments — all of which count toward your monthly debt-to-income ratio. For a rental, the property's projected rent has to cover those costs for DSCR lenders, so we run the numbers before you write an offer.
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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