We are getting a loan for between 400k and 500k for 5 years on a property that we are buying for 955k.  

Hard money loans will almost certainly not cover 100% of the property’s purchase price and will require a chunky amount down (eg 20-30%) from you.

Go to your town clerk, and look up all the information on the loans on the owner and the property.  

@Zach Howard there are a few loan types here in the states for foreign nationals, some that require personal income verification and others that do not.

Currently under contract for $552,000 with a conventional loan.

I am already have a good lender that has pre-approved me with a DSCR loan so all I need is to find the right market to invest in!

Section 8, student rental, market rate?

Our total invested into this property is 1.14 million among 10 investors (this amount does include a 250k seller carry loan to be paid off by the 2 of the investors over 5 years).This property was up and running starting December 15 and we have had it pretty booked since then.  

I am using a dscr loan. what I cant understand, is why are my closing costs so high. above is the numbers on the refi.

I would search for a property that has a low interest rate Fha or VA loan.