Country, income, assets, currency, credit context, documents and intended use.
ZEROSTS INTERNATIONAL
Own in America.
From anywhere.
Live outside the U.S.? ZEROSTS connects your international profile, eligible financing paths, property economics, cash-to-close and cross-border considerations to structure a stronger U.S. purchase.
Less cash upfront. Better deal.
Designed for international buyers. Eligibility and financing remain subject to lender, program, property and regulatory requirements.
YOUR WORLD
MXN · BRL · CAD · EUR
Foreign income
Foreign assets
Foreign documents
U.S. OWNERSHIP
Eligible financing
Cash-to-close
Property economics
Closing path
THE ZEROSTS DIFFERENCE
Don’t just find a U.S. mortgage.
Structure the entire purchase.
International buyers bring more variables into every decision. ZEROSTS connects those variables instead of treating financing, the property and cross-border execution as separate problems.
Eligible paths, cash-to-close levers, property economics and trade-offs analyzed together.
A structure you can understand, compare and execute with fewer surprises.
INTERNATIONAL DEAL OPTIMIZER
The loan is one variable.
The deal is the decision.
ZEROSTS compares the cash, payment, ownership cost and liquidity implications of viable structures — so a lower rate does not automatically win if the overall purchase is weaker.
01Total cash upfront
Down payment, closing costs, prepaids, required reserves, transaction friction, credits and concessions.
02Monthly ownership cost
Debt service plus taxes, insurance, HOA and other recurring property costs where applicable.
03Liquidity preserved
Understand how much capital remains available after the purchase instead of evaluating LTV in isolation.
045 / 10 year economics
Compare the longer-term consequences of rate, points, fees and structure when data is available.
SAME BUYER · SAME PROPERTY · DIFFERENT STRUCTURE
Higher upfront cash
Useful when long-horizon economics justify the capital.More liquidity preserved
May be stronger when the buyer values capital flexibility.Different monthly trade-off
May improve access when an eligible path supports it.Cash-to-Close Guarantee of UnderstandingSee where every required dollar is going before closing.
YOUR FINANCIAL LIFE DOESN’T START AT THE U.S. BORDER
Bring your world.
ZEROSTS organizes the path.
Your income, assets and documents may live in another country, another currency and another financial system. International should be designed around that reality — not force you into a domestic checklist.
A reusable buyer context for identity, income, assets, source-of-funds and purchase goals.
Make the currency-conversion and transfer impact visible alongside the purchase, using regulated providers where required.
Know what evidence may be needed before underwriting or closing creates a last-minute surprise.
Classify and normalize foreign financial documents, dates, currencies and document context for a clearer review workflow.
ONE INTERNATIONAL PLATFORM · DIFFERENT BUYING GOALS
The property’s purpose changes the path.
ZEROSTS International is designed around the buyer’s intended use instead of assuming every foreign buyer is a rental investor.
INVESTMENT MODE
Buy for income.
Connect DSCR, expected rent, vacancy, property management, debt service, cash required and return metrics when the transaction is an investment.
Investment economics + financing structure
SECOND HOME MODE
Buy for your life.
Structure the experience around eligible second-home or personal-use paths instead of forcing an investor workflow onto a buyer with a different goal.
Personal use + eligible financing path
RELOCATION / NOT SURE
Start with the situation.
When immigration status, future occupancy or timing changes the available options, ZEROSTS begins with eligibility and routes the buyer toward the right next decision.
Eligibility first · product second
CROSS-BORDER CLOSING CONCIERGE
One purchase.
Fewer disconnected handoffs.
International buying can touch lending, title, escrow, appraisal, insurance, inspections, wires, notarization, tax and legal questions. ZEROSTS should coordinate the timeline without pretending every specialty belongs to ZEROSTS.
ZEROSTS TRUSTED NETWORK
The right specialist, at the right point in the deal.
Realtor · lender · title · insurance · CPA · attorney · property manager · FX provider · inspector. Regulated advice and services remain with appropriately licensed professionals.
THE PURCHASE IS NOT THE FINISH LINE
Understand the property today.
Keep intelligence after closing.
ZEROSTS International extends the decision beyond the mortgage by making the true cost of ownership visible and preserving the context needed for the next decision.
Know what ownership really costs.
Mortgage, property tax, insurance, HOA, maintenance, management, reserves and other relevant carrying costs should live in one view.
Stay organized after the keys.
Keep important dates, property documents, insurance, tax and refinance context from disappearing into email after closing.
From one property to a U.S. portfolio.
Track equity, debt, rent, recurring costs, ROI context and future financing opportunities across U.S. properties.
BUILT FOR INTERNATIONAL BUYERS
Ownership speaks every language.
ZEROSTS stays ZEROSTS. The buyer’s country, language, currency and financial context are what the experience learns to understand.
FAQ
Start with the questions international buyers actually ask.
START YOUR U.S. PURCHASE
Tell us where you are.
We’ll start with the structure.
No giant mortgage application. Start with the context that determines the next useful question.
ZEROSTS INTERNATIONALLess cash upfront. Better deal.