Large Down Payment but....

[Eli Azulai]

Hi, Im looking to invest in a buy and hold properties in Florida. I previously invested in the UK with a buy to let type mortgage, with this type of mortgage as long as you had a good enough capital to loan ratio then you didn't need a separate income, is there such a thing in the US. I am a British citizen but my wife is from the US and we dont have a US income to be able to go the usual route. 

thanks 

[Upen Patel]

@Eli Azulai Your options will depend on if your wife has been filling her US Federal Tax Returns or not. If she has, then you are in luck and can likely qualify for Fannie/Freddie loans.

If not, then your only option is going to be a portfolio loan that does DSCR and Foreign Nationals.