Rental Property Financing For Foreign Real Estate Investors

Lendai is leveling the playing field for global investors in the US residential real estate market. Thanks to our technological edge, the entire loan process is fully online from the comforts of your home, and the whole process can take as little as 14 days. We are committed to full pricing transparency and will provide you a detailed offer without hidden fees. We offer 3 loan programs for residential rental property investments:

  • Rental Property Purchase – up to 70% loan-to-purchase price
  • Rental Property Refinance – up to 70% loan-to-value
  • Rental Property Equity Cash-out – up to 60% loan-to-value

We can also finance a portfolio of multiple residential properties – single family residence, townhomes, and 2-4 unit properties.

Please Note: We do NOT offer loans for owner-occupied homes, land, commercial real estate, or properties that need renovation.

Property Geographic Area Details
Lending in 15 States: AL, AZ, FL, GA, IN, MI, MO, NC, OH, OK, PA, SC, TN, TX, WI
Loan Amounts
$55,000 to $1,000,000
Interest Rates
6.75% to 7.75%
Loan Terms
60 months to 360 months
Origination Fees
2% to 2%
Lien Position
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 70%
Purchase Long-Term
Max LTP Residential: 70%
Refinance Long-Term
Max LTV Residential: 70%

Transparent Pricing for Long-Term Rental Loans

Every single investor at Lendai gets the same price with full transparency and no hidden fees. We only charge a 2% Origination Fee (points) which covers all fees related to processing, underwriting, and originating your loan.Prior to funding, Lendai only requests you pay for the Appraisal Report, which will be paid directly to the appraisal company.

Discount Points Option

In exchange for a higher, one time and up front fee, Discount Points lower your interest rate and your monthly payment . Over the course of a 30-year loan, these Discount Points can save the borrower a significant amount of money. The Discount Points are totally optional for the borrower.

Each discount point paid lowers your interest rate by 25 basis points (0.25%) for the entire 30-year duration of the loan. The more points you have, the more you save on your loan payments throughout the loan term. Buying discount points is best suited for investors who intend to hold the property for a long period of time.

Discount Points Example
Assuming a $500,000 loan amount for a 30-year loan term:

  • 0 discount points = $0 for the base interest rate of 7.25%
  • 1 discount point = $5,000 to get an interest rate of 7.00%
  • 2 discount points = $10,000 to get an interest rate of 6.75%
  • 3 discount points = $15,000 to get an interest rate of 6.50%
  • 4 discount points = $40,000 to get an interest rate of 6.25%



Property Types

  • 2-4 Units Residential
  • Single Family Residence

Loan Types

  • Residential Long-Term Rental

Specialty Loan Types

  • Residential Long-Term Rental
  • Residential Short-Term Rental
Borrower must have a 30% cash down payment.

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
No seasoning required but property must be in rent-ready condition to be leased within 60 days of loan funding. For loans with multiple properties, the maximum loan amount is $1,000,000 for the entire portfolio.

Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

60 months

Maximum Loan Term

360 months

Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Rentals


Minimum Number of Properties


Maximum Number of Properties


Minimum Property Value


Appraisal Fee

According to appraisal company: paid directly to them.

Fees which are mandatory for all new borrower clients

  • Multi-Purpose Lender Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Fees which are paid to a third party company

  • Appraisal Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Amortized
Payment Structure Details

Principal & Interest amortization

Pre Payment Penalty


The prepayment penalty term starts at 5 years and steps down each year. 5% fee (of loan amount) if paid off within 1st year, 4% if paid off within 2nd year, etc.
Will lend to a foreign national


We only lend to foreign nationals, and non US citizens under certain criteria (e.g. have been living abroad for a number of years).
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Credit Check Description

Credit scoring systems vary by country.

Appraisal Required for Residential Property


Broker Price Opinion (BPO) Accepted for Residential Property

Legal Disclaimer

Interest rates are subject to change.

Additional Details

The 2% origination covers all fees related to processing, underwriting, and originating your loan. The 2% fee is deducted from loan amount. The appraisal fee is paid to the appraisal company directly.

We can lend in some instances to US Citizens. For example, for US citizens that moved abroad and do not have sufficient US credit. Or investors that have very recently been neutralized and have not built sufficient credit history.

Lendai Testimonials

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Lendai is a fintech direct lender financing US real estate properties for foreign investors.  

Our mission is to change an outdated trillion-dollar market by utilizing technology to level the playfield for global investors in the US residential real estate market. We enable our customers to achieve their financial goals through digital solutions that create a simple, fast, and efficient online financing process. Our unique AI algorithms and an online platform are transforming the way foreign investors access US financing. 

Company Size (Number of Employees)


Year Established


Office Locations

US Office
1000 Brickell Avenue, Suite #715-418, Miami, FL 33131

Canada Office
100 King St W, Suite #5700,, Toronto, ON M5X 1A9

Israel Office
Moshe Sharett St 6, Rishon LeTsiyon, Israel, 7570427

UK Office
83 Baker Street , London, W1U 6AG

Primary Capital Source
  • Own Funds
  • Bank Credit Line
  • Private Equity Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Get In Touch

Lendai pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Contact This Lender

Create a Loan Request

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Contact Lendai by whichever method you choose.

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Our Minimum Loan Amount Is


What We Do

  • Lending to Foreign National Investors
  • Residential Rental Properties only
  • 30-Year Rental Loans
  • Single Property & Portfolio Loans
  • Transparent Pricing

Not Available

  • NO Rehab Projects; must be rent-ready
  • NO 100% Financing or over 70% LTP
  • NO Condominiums
  • NO Land Loans

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