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

Talk to all of the local credit unions.

I have some prior experience house hacking my condo in union city, but outside of that I am generally new to real estate investing.

What's your credit score looking like?

In some cases they cannot pull the money out because it is now (Non-owner occupant) an investment and their credit union or bank may cap them at 70% or 75% MAX LTV.Nothing wrong wiht putting 10% down on a primary but look at the rates on both 5% and 10% usually when you have PMI built in the rates stay the same.

Credit score does matter but they will lend on a per property basis out of your available LOC once they approve a line...again mostly based on your available cash and credit score.

I received wire transfer instructions to a credit union in Utah with a totally different account name than the company.

Before you get too far, I would go talk to every local bank and credit union in the area you want to do this. 

I am above 50% on standard Visa/MC, below 50% on Amex, and about 0% with anything that is like a local credit unions. 

Small banks and credit unions focused on farm/agriculture tend to be the most aggressive with land/lot loans.