Key Takeaways
- DACA recipients CAN legally own US real estate — there is no federal law prohibiting non-citizen property ownership
- Bankable funds real estate businesses: property management, flipping, rental portfolios, and brokerage operations
- Business entity funding for real estate LLCs with no citizenship or green card requirement
- SBA loans for real estate businesses closed to DACA owners — Bankable fills the gap with 48-hour decisions
- Your rental income and property portfolio revenue qualify as business revenue for Bankable funding
Let's start with the most important fact: DACA recipients can legally own real estate in the United States. There is no federal law prohibiting non-citizens from owning property. Many DACA entrepreneurs have built rental portfolios, flipping operations, and property management businesses — and they deserve access to the capital to grow them.
What Real Estate Business Funding Covers
- Bridge capital: Short-term funding to close on a property before permanent financing is arranged
- Renovation and rehab: Capital for fix-and-flip projects between purchase and sale
- Working capital: Operating costs for a property management business
- Down payment assistance: Capital contribution to reach required down payment thresholds
- Portfolio expansion: Adding properties to an existing rental portfolio
- Commercial property: Business real estate for owner-occupied commercial space
DACA and Real Estate: Clearing Up the Confusion
Some lenders and real estate professionals incorrectly tell DACA recipients they cannot own property or get mortgages. This is wrong. Many DACA recipients have successfully obtained conventional mortgages. Bankable funds the business operations around real estate — the property management company, the LLC that holds rental properties, the flipping operation — all without citizenship requirements.
Requirements for DACA Real Estate Business Funding
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no green card required |
| Revenue | $15,000+ monthly from rental income, flipping proceeds, or management fees |
| Business Entity | LLC or corporation holding the real estate business |
| Business Age | 12 months of real estate business operations |
| Funding Range | $50K to $5M depending on portfolio size and revenue |
Frequently Asked Questions
Yes. There is no federal law prohibiting DACA recipients or other non-citizens from owning real estate in the United States. Many DACA recipients own homes and investment properties.
Some conventional lenders issue mortgages to DACA recipients. FHA loans were closed to DACA recipients but some conventional lenders and portfolio lenders continue to offer mortgages. This is a separate question from Bankable's business funding.
Yes. Property management companies, fix-and-flip businesses, and rental portfolio LLCs are all fundable business entities. We fund the business operations, not the individual property mortgage.
Property management, residential flipping, vacation rental businesses, commercial real estate operations, and real estate brokerage firms are all fundable. The business must generate $15,000+ monthly revenue.
Yes. Short-term bridge capital for fix-and-flip projects is a primary use case. We fund the renovation costs and carrying costs between purchase and sale, with repayment from sale proceeds.
Yes. Owner-occupied commercial real estate — buying the building your business operates in — is a covered use case. This is one of the most wealth-building capital decisions a business owner can make.
Rental income, property management fees, flipping proceeds, and brokerage commissions are all accepted. We review bank statements showing these income sources over 3–12 months.
Operate through an LLC or corporation. The business entity applies for funding, with your real estate revenue flowing through the entity. Most experienced real estate investors already use this structure.
Yes. A revolving business line of credit is available for established real estate businesses. This is particularly useful for property managers who need to fund repairs and maintenance between tenant rent payments.
Real estate licensing is state-specific. Most states license real estate agents and brokers based on education and examination, not citizenship. Check your state's real estate commission for eligibility requirements specific to DACA holders.