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
Up to 75% LTV on investment properties
Close in an LLC, trust, or personal name
Remote notarization at U.S. consulates
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?
- Typically 1–2% above conforming investor rates. We shop multiple lenders for the best fit.
