Office & Commercial may do 4%-6%3, Most importantly, as a foreign national, you are NOT allowed to buy in China, unless you have a 2yr plus contract to prove to the government that the property you buying is for your own residence, and you will only get a maximum of 5yrs mortgage. 4, I am a Chinese citizen and I am not even allowed to buy in Shanghai unless I have shanghai residency or been working in Shanghai full time for minimum one year, and I am not allowed to by maximum of 2 properties in my own city, Shenzhen.

DTI must be under 50% and they prefer under 43% (not in FL)Finance of America, 95% CLTV, second home only, 680 FICO, not TXFirstBank CO and AZ 70% LTVFirst Citizens First CommonwealthFirst Florida Credit Union FLFirst Midwest, IL up to 90% Chicago areaFirst Republic - CA First State Bank of LeCenter Minneapolis, MNFirst Tech Federal.

I’ve done it for clients that are not US citizens. 

You are just like the sovereign citizen movement who believes they are smarter than all and have "discovered" a secret loophole to not pay taxes.

I will add Citizens Bank & Trust.  

That really dilutes the absentee pool for us in our FL markets.Owner Occ's are fine, but you can lose you shirt mailing to them as it's harder to find the motivated sellers in that pool.So we go after particular owner occ groups -such as senior citizens who are more likely to be moving and have a home that has not been updated in a couple of decades.  

Section 5-15(a) of the Act provides:It is unlawful for any person, corporation, limited liability company, registeredlimited liability partnership, or partnership to act as a managing broker, real estatebroker . . . or to advertise or assume to act as such broker . . . without a properlyissued sponsor card or a license issued under this Act by the Department, eitherdirectly or through its authorized designee. 225 ILCS 454/5-15(a).A license issued by the IDFPR certifies that the real estate broker has fulfilled all of therequirements of licensure under the Act. 225 ILCS 454/1-10.As of December 31, 2009, the Illinois Real Estate License Act of 2000 provides for a privateright of action when private citizens can seek to stop the unlicensed practice of real estatebrokerage. 225 ILCS 454/20-21(c).Other than as provided in Section 5-20 of this Act, if any person practices as a realestate broker, real estate salesperson or leasing agent or holds himself or herself outas a licensed sponsoring broker, managing broker, real estate broker, real estatesalesperson or leasing agent under this Act without being issued a valid existinglicense by the Department, then any licensed sponsoring broker, managing broker,real estate broker, real estate salesperson, leasing agent, any interested party, or anyperson injured thereby may, in addition to the Secretary, petition for relief asprovided in subsection (a) of this Section.

Originally posted by @Logan Hicks:...Also, Non-US citizens cant have civil judgements deemed against them on the local level, as US courts dont hold jurisdiction on foreign non-citizen individuals in foreign countries.

The Bill of Rights was created to protect citizens from the government, not the other way around, so you could argue that when there is a conflict, the citizen and not the government should win.Of course, that's not the way it always works in practice, but I imagine those arguments will be made.

But for right now the only buyer I would trust is someone with the actual cash. on the flip side we had 5 closings this last week  One hedge fund  One refi  ( big one ) One sale to owner occ ( Vegas and they were laid off from Casino just needed to get a letter from Casino that they will go back to work in 30 days which they did and FHA funded) payoff from 2 turnkey buyers one a US citizen the other I think from South America and one other owner occ all of these in different states..