Hi Juliet,If you have a US primary address and good US FICO, you should be able to get full LTV (80%) with rates on-par with US citizens with the right lender/broker.

I would start with trying to speak with the senior pastor and/or someone that manages the real estate assets of the church.

Anyone can buy a stable senior income fund like FLBL with the click of a mouse and no liquidity or complexity issues. 

You spoke to 2 people Out of 25 Loan officers / Senior UW Team members.

There are no restrictions on foreign property ownership in Portugal and transaction costs are generally low.Portugal will grant a 5-year residency permit to non-EU citizens through Real estate investment (the program is called Golden Visas, look it up).

One unit is occupied by a low-income senior not on the Housing Choice Voucher program and paying well below market rent.

There are "success coordinators" to answer your basic questions, and your attorney team and your senior advisor. 

So feel free to DM me if you think I could help.The other reason for me to reply to you is to debunk some untruths that are being circulated about international investing, as it could help all readers who bump into this thread.It's not true that many European countries require you to be a citizen or a permanent resident to invest in real estate there and certainly not in the countries that you mentioned.

For insurance in South Florida, I’ve heard good things about companies like Citizens and some specialized providers that focus on high-risk areas.

I specifically want to call out one of their Senior Accounts Associate, Charlotte Cunningham, who helped me through the process on my first purchase as I needed to buy a sizable amount of furniture quickly and she was able to help me make moves quickly...and didn't make me feel bad whatsoever when I pulled back a few items at the last minute I was able to find them cheaper elsewhere.