The MBANC Blog

Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.

No US city concentrates more foreign national real estate purchasing than Miami. The city is the US gateway for Latin American wealth and the preferred

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Los Angeles’s foreign national real estate market is the most globally diverse of any US city — and concentrated among different buyer populations than Miami.

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Asian nationals represent one of the most active and diverse foreign national real estate buyer communities in the US. Their profiles vary significantly by country:

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Dallas attracts foreign national buyers for three reasons that no coastal city can replicate: no Texas state income tax, no program overlay (full national $4M

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A foreign national mortgage is a US real estate loan specifically designed for borrowers who are not US citizens or who have income and assets

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The asset-rich borrower who owns both a primary residence and investment properties faces a documentation challenge that multiplies with each investment acquisition: the conventional qualification

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Asset utilization has the simplest documentation of any Non-QM program — and simpler than most conventional mortgage files. The entire income qualification rests on investment

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The asset utilization formula has two inputs: eligible assets and the divisor (84). The divisor is fixed. The eligible asset base is where optimization happens.

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