Purchase Mortgage Loans
Purchase Loans
What Is a Purchase Mortgage?
A Purchase Mortgageallows borrowers to finance the acquisition of a property without paying the full purchase price in cash. These programs are designed for owner-occupied buyers, real estate investors, and foreign nationals, offering flexible underwriting based on property type, income structure, and residency status.
At Nadlan Financing, we structure purchase loans across residential, commercial, and investment assetsusing conventional, DSCR, and asset-based programs.
Purchase Loans
Who Can Qualify?
US Citizens
Permanent Residents
Non-Permanent Residents
Foreign Nationals
Individual or LLC ownership
Experienced & transitional investors
Purchase Loans
Eligible Property Types
Residential | Commercial |
|---|---|
Single-Family Homes (SFR) | Multifamily (5+ units)
|
2–4 Unit Multifamily
| Mixed-Use Properties
|
Condos (warrantable & non-warrantable*)
| Retail
|
Townhomes | Office
|
Vacation & Short-Term Rentals
| Industrial
|
Portfolio Purchases
|
Lending Criteria – Purchase Mortgage Loans
Typical Lender Requirements
Criteria | US Investors | Foreign Investors |
|---|---|---|
Max LTV
| Up to 80%
| Up to 70%
|
Credit Score
| 640+
| 680+
|
Loan Size
Loan Size
| $100K – $10M+
| $250K – $5M
|
DSCR Requirement
| ≥ 1.00 (some allow <1.0)
| ≥ 1.10
|
OwnershipAmortization
| Individual / LLC
| LLC / Corp
|
Amortization
| 30 or 40 years
| 30 years
|
Interest-Only
| Available
| Available |
Down Payment
| 20–25%
| 30–35%
|
Prepayment Penalty
| Optional
| Common
|
Closing Timeline
| 21–35 days
| 30–45 days
|
Purchase Loans
Purchase Loan Options Available
Conventional Loans
DSCR (Debt Service Coverage Ratio) Loans
Foreign National Loans
Jumbo Loans
Commercial Mortgages
Portfolio Loans
Required Documentation
US Borrowers
- Government ID
- Credit report
- Purchase contract
- Insurance binder
- LLC documents (if applicable)
Foreign Investors
- Passport
- Proof of funds
- US bank account
- LLC + EIN
- Property income analysis (if investment)
Purchase Loans
Why Choose Nadlan Financing for Commercial Loans?
Access to 3,000+ lenders
Residential & commercial expertise
Foreign-national friendly underwriting
DSCR & no-income options
Complex & portfolio deals welcome
Information Hub
Frequently Asked Questions
Up to 80% for US investorsand 70% for foreign investors, depending on property type and risk profile.
Yes. Foreign nationals can legally purchase and finance US real estate with the right structure.
Not always. DSCR-based programsqualify based on the property’s cash flow.
Yes. Most investment and foreign-national loans are structured through LLCs.
Typical closings range from 21–45 days, depending on borrower type and asset class.