US Citizen Non-Resident Financing

[Joey Backs]

Hi all, first post here! BP and the forums have been so valuable while I’ve been learning and I’m so grateful to have this resource.

I'm a US citizen currently living abroad (London, UK) and would like to start my REI journey in the US. I've read quite a few posts about foreign investor financing but most seem to deal with non-citizen investors without US credit or personal tax filings. As a US citizen I have an SSN, file taxes every year on my foreign employment income, hold US-domiciled assets (stocks, IRA, 401k), and I have a ~15 year credit history with a decently high score. However, I don't have a US-based W2 (but work full time for an American tech company in their London office).

I am not quite sure what category I fit into since I’m not a completely foreign investor, but I also don’t have a W2 or current residency in the US.

Curious if any Lenders here have advice on how to seek financing. I’d love to take advantage of a “traditional” mortgage (or even FHA?) that isn’t subject to higher down payment requirements or higher interest. My goal is to get started with a turnkey MTR or LTR, unless I can be convinced BRRR can work without being present to manage the rehab. Thanks for the help!

[Joey Backs]

Thanks all this is super helpful and hopefully someone else in my situation will stumble up on your advice too!