H1B, green-card, F1/OPT and foreign buyers all have real options in 2026 — you just need the right path and the right lender. Here's the plain-English (+中文) map. H1B、绿卡、F1/OPT、外国买家在 2026 年都有可行的路 —— 关键是选对方案和"懂身份"的贷款方。下面是中英对照的实操地图。
You can usually get a conventional loan like a citizen — and not the 20%+ down many people fear. Don't let the FHA change scare you off; conventional is the lane. 通常能拿和公民一样的常规贷款,首付也不必 20%+。别被 FHA 新规吓退,走常规贷就行。
Fewer lenders, but it works — the key is finding a lender who understands your status (OPT income often counts with the right one). The wrong bank says no; the right one says yes. 能贷的银行少,但能做 —— 关键是找懂你身份的贷款官(OPT 收入在对的银行能算)。选错银行被拒,选对就过。
Non-QM / DSCR loans qualify an investment property by its rental cash flow — no US income or SSN needed. Typically 25–30% down. Full-doc loans can also accept foreign credit. Non-QM / DSCR 按租金现金流批投资房,不查个人收入、不需 SSN,首付通常 25–30%;也有接受国外信用报告的全文件贷款。
Options: a US guarantor, a third-party guarantor service, prepaying rent, or a broker who vouches for verified international applicants. Each has different costs — we'll show you the cheapest that works. 可选:美国担保人 / 第三方担保服务 / 预付租金 / 帮你过房东审核的持牌经纪。成本不同 —— 我们帮你挑最省的那条。
Tell us your situation. We'll map your real options and connect you with a visa-friendly lender or verified listings — bilingual, no pressure. 说说你的情况,我们帮你理清可行方案,并对接懂身份的贷款方或已核实房源。中文沟通,不push。