Hi Shakti, As a lender we do work with US-visa holders as long as they have an established credit score in the US.

If you're not careful, the administrative requirements can trip you up—but when done right, the savings can be well worth the effort.For those of us scaling our portfolios or actively managing real estate deals, the conversation about structure isn’t just theoretical—it directly impacts how we protect our wealth and position ourselves for long-term growth.What I’ve found is that many investors don’t realize how critical their personal credit is in setting up these entities successfully and accessing the funding they need to operate and grow.

If you develop a great relationship with local credit unions, you'll be surprised by what all they're capable of.   

Will bank credit still be around (at what terms)?

Your local credit union or bank should be able to help you with that 

Verifying last 2 years of rental history very important!

I’ve used all the rental cashflow since I started investing to buy more and more houses, or to pay off 401k loans and 0% interest for a year credit card loans to scale up.

Backstory: 22 years old about to get out of military after first contract. 70k cash saved up & 775 credit score, no debt.

Can her status and credit be of help as well?

One option is to give the front house a credit for water based on averages, but I don't know if I would agree to that as a tenant.