English translation of a WordPress article first published July 17, 2025. Preserved as an archive; rates, requirements, and terms may have changed since then.
Real estate in the United States is an opportunity more people in Latin America are considering to diversify their assets. But it can also raise questions, myths, and misinformation that slow down important decisions.
At Quick Lending USA, we work with international borrowers and bring a multicultural perspective to the process. Here are five common misconceptions about investing in U.S. real estate, along with the original article’s answers.
Myth 1: Only U.S. citizens can buy property
🟢 Fact: People can invest in U.S. real estate regardless of nationality or immigration status. You do not need to be a citizen or have a special visa. Quick Lending USA says it has worked with clients in more than 10 countries who financed purchases from their home countries.
Myth 2: You have to be a millionaire to invest
🟢 Fact: There are opportunities at different budget levels. The original article cited properties starting at $60,000 USD, depending on location and use. It also described loans for foreign nationals that may allow borrowers to begin with an accessible down payment and competitive rates. You do not have to be a millionaire, it said; you need to make informed decisions.
Myth 3: Foreign nationals cannot get a mortgage
🟢 Fact: The article points to products such as DSCR (Debt Service Coverage Ratio) loans, which can suit investors without U.S. credit history. Quick Lending USA said it arranges mortgages with quick approvals, limited documentation, and no requirement to live in the United States, with a remote process available.
Myth 4: You have to be in the United States to buy
🟢 Fact: With professional support, the process may be handled from your home country. The article says steps from opening bank accounts to signing contracts can be completed online, and that the team can connect investors with real estate agents, attorneys, and property managers.
Myth 5: Real estate investing always guarantees a profit
🟡 Fact: Like any investment, real estate comes with risks, including taxes, market fluctuations, maintenance costs, and limited liquidity. Quick Lending USA said it can provide profitability analysis, legal guidance, and financing programs such as DSCR loans to help clients assess a project.
How can a foreign national finance a real estate investment?
Quick Lending USA described mortgage options for international investors such as:
- DSCR loans: The property’s rental performance is evaluated.
- Foreign National loans: For nonresidents without U.S. credit history.
- Commercial and construction loans: For projects in areas with potential for appreciation.
Common terms cited in the original article
- Down payment: From 20% to 40%.
- Financing: Up to 85% of the property value.
- Terms: From 5 to 30 years.
- Fixed or adjustable rates.
- No residency or Social Security number required.
Where are foreign nationals investing?
According to the article’s citation of the Miami International Report, 71% of international buyers purchase properties for rental or vacation use. It named Miami, Orlando, and other Florida cities as leading destinations and Colombia, Argentina, Brazil, and Venezuela as countries of origin for many investors.
With an office in Orlando and operations in Latin America, Quick Lending USA describes itself as a connection to the U.S. real estate market.
Why choose Quick Lending USA?
- Experience with NON-QM loans for foreign nationals.
- Bilingual, personalized support.
- Digital, fast, and transparent processes.
- Guidance throughout the process from your home country.
- The original article said more than 80% of its clients were approved without complications.
Frequently asked questions
Can I buy property in the United States without a visa?
The original article answered yes and said a visa or residency is not required to buy property or obtain financing.
Do I need U.S. credit history?
Not necessarily. The article described programs such as DSCR that assess the property’s rental income rather than the borrower’s credit history.
How much should I save to get started?
The article cited 20% of the property value as a starting point, depending on loan type and borrower profile.
Can I handle everything from my home country?
The article said the team can guide clients remotely through property search, analysis, financing, and closing.
Who can help if I do not have a real estate agent?
Quick Lending USA said it can connect clients with local agents experienced in working with international buyers.