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Comprehensive Investor Resource • 2026

US Property Foreign National Guide

Strategic frameworks for international capital, acquisition, and compliance.

1. Introduction

US real estate market international investors ke liye stable returns aur diversification ka aik premium rasta faraham karti hai.

Institutional Focus:
  • • No citizenship requirement for full property title.
  • • LTV ratios for foreign capital range from 50% to 70%.
  • • Structured ownership (LLC) is mandatory for asset protection.

2. Legal & Structural Framework

Federal regulations foreign ownership ko restrict nahi kartein, lekin structure ka intekhab tax efficiency ko define karta hai.

Common Structures:

  • Direct Individual Ownership: Estate tax risk (40% above $60k threshold).
  • LLC (Asset Protection): Pass-through taxation and limited liability.
  • Foreign Trust/Corporation: Enhanced privacy and sophisticated estate planning.

    • 3. Debt & Capital Solutions

    Capital Type Down Payment Underwriting Focus
    Foreign National Portfolio 30% - 40% Global Liquidity
    DSCR Investment 35% - 45% Asset Cash Flow
    Private Equity Lending 40% - 50% Collateral Value

    Document Requirements:

    • Passport & Valid Visa
    • Global Credit Verification
    • Proof of Liquid Reserves
    • Verified Tax Documents
    • Personal Asset Statement
    • Institutional Bank Letters

    4. FIRPTA Tax Compliance

    Foreign Investment in Real Property Tax Act (FIRPTA) ensure karta hai ke capital gains tax settlement seller ki taraf se lazmi ho.

    Exemption Thresholds:

    • Under $300k: 0% withholding (residency usage required).
    • $300k - $1M: Reduced 10% withholding rate.
    • Over $1M: Standard 15% withholding applicable.

    Buyer Liability:

    Withholding ki zimmedari buyer par hai; failure to comply leads to severe interest and penalties.