Finance U.S. real estate without the headache

Get up to 85% LTV for U.S. residents and up to 75% LTV for foreign nationals — plus banking, LLC setup, insurance, wire transfers, legal paperwork, and ongoing support, all in one platform.

Get a quote now

No U.S. credit required. No commitment. Takes under 5 minutes.

“My experience with Waltz was amazing. Communication is super important to me, especially living abroad. The entire process with Waltz was transparent and clear, nothing was ever left to assumption.”

Antonio G.

Investor from Colombia

A flag of Columbia

“Some lenders get you to feel committed, then surprise you with hidden fees and unfavorable terms. With Waltz, I really liked the terms and I got exactly what was promised to me.”

Avi M.

Investor from Israel

A flaf of Israel

“Every interaction with Waltz felt personal and tailored to me. No matter who I spoke with, each person went the extra mile to make sure I had an incredible experience — something you just don’t get at a bank!”

Dennis N.

Investor from Canada

As seen on

& Many others
and others..
Loan Programs

Find the right loan for you

Loan Products
Refinance icon
Refinance
DSCR
For existing U.S. property owners looking to lower their rate, access equity, or restructure their loan. Available as a rate & term refinance or cash-out — without requalifying on personal income.
Property typeInvestment or personal use
Qualification basisProperty value & rental income
Loan terms30-year fixed available
U.S. credit requiredNo
Best forExisting owners optimizing terms
Lower your rate or monthly payment
Cash-out option to access built-up equity
No U.S. tax returns or pay stubs needed
Fully remote process from anywhere
Explore refinance options →
Second Home Mortgage icon
Second Home Mortgage
DTI
For non-U.S. residents buying a vacation home or personal-use property in the U.S. — without needing a U.S. credit score or Social Security number.
Property typeVacation home, personal use
Qualification basisForeign income accepted
Loan terms30-year fixed available
U.S. credit requiredNo
Best forNon-residents, expats, global buyers
No U.S. credit history or SSN required
Foreign income accepted for qualification
Close remotely — no U.S. trip required
Faster timelines than traditional U.S. banks
Check your mortgage eligibility →
Beyond Financing

Everything your U.S. property needs, under one roof.

From setting up an LLC and moving money to insurance and more, Waltz helps simplify what comes before and after closing.

LLC & Entity Formation icon

LLC & Entity Formation

Form a U.S. LLC to hold your property — protecting assets and meeting lender requirements.

U.S. Bank Account icon

U.S. Bank Account

Open a U.S. account remotely — no SSN required. Receive rent, pay bills, hold USD.

Forex & Currency Exchange icon

Forex & Currency Exchange

Convert your local currency to USD from your country of origin at competitive rates for a U.S. real estate purchase.

Property Insurance icon

Property Insurance

Homeowner, landlord, and rental dwelling coverage — quoted in minutes.

U.S. Tax Filing icon
U.S. Tax Filing Through trusted partners

Connect with trusted tax partners for support with your U.S. real estate investment.

Property Management icon
Property Management Through trusted partners

Connect with property management partners for ongoing support with your investment.

In practice

What financing could look like

Real numbers, real scenarios. See what buying U.S. property through Waltz looks like, with financing up to 85% for U.S. residents and 75% for foreign nationals.

Waltz Case Study Cards
📊 DSCR Loan
Buying a $500K rental property in Florida
An investor based in Brazil purchases a condo in Miami as a long-term rental. No U.S. credit history. No in-person visit required.
Purchase price$500,000
Down payment (25%)$125,000
Loan amount$375,000
Qualified usingRental income (DSCR)
Time to close~3–5 weeks
What Waltz Enabled
No U.S. credit history or tax returns required
Closed remotely from São Paulo
LLC formation handled through the same process
🏖️ Second Home Mortgage
Buying a vacation home in Miami Beach
A family from the UK wants a personal-use condo in Florida. They earn in GBP and have no U.S. financial footprint whatsoever.
Purchase price$650,000
Down payment (30%)$195,000
Loan amount$455,000
Qualified usingForeign income (GBP)
Time to close~3–5 weeks
What Waltz Enabled
No U.S. credit history or SSN required
GBP income accepted — no currency conversion needed for docs
Closed remotely from London without a single U.S. trip
Check your mortgage eligibility

Real investors. Real results.

See how buyers from around the world used Waltz to finance, close, and manage U.S. properties—without U.S. credit history, local banking, or in-person visits.

Who we serve

A mortgage platform built for everyone

🌐 International buyers
Invest in U.S. real estate from anywhere
No U.S. credit history? No problem. Waltz is purpose-built for foreign national mortgages — fully remote, faster than traditional banks.
Check your mortgage eligibility →
🏠 U.S. residents
Buy your home the modern way
First-time buyer or seasoned investor. Waltz delivers a faster, fully digital mortgage — with real humans available at every step.
Check your mortgage eligibility →
For professionals
Are you a real estate professional?
Waltz partners with mortgage brokers, real estate agents, developers, turnkey providers and other real estate professionals to help you close more deals and earn commissions.
Become a partner →
The Platform

Manage and grow your investment in one place

From mortgage to management, Waltz handles every layer of U.S. property ownership in a single dashboard — fully automated, fully transparent.

Submit in 15 min. Tell us about the property and your financial profile.
Conditional approval and a locked rate within 24–48 hours.
Upload documents securely. We handle title, appraisal, and compliance.
Close remotely from any city, country, or time zone.
Get pre-qualified →

Watch how Waltz works

See the full Waltz experience in under 2 minutes.

Explore Waltz videos & client stories
Arrow pointing top right corner

You're just a few clicks away from purchasing your next investment property. Want in?

Join thousands of domestic and international buyers who closed faster, smarter, and fully online with Waltz.
Get a quote now

No U.S. credit required. No commitment. Takes under 5 minutes.