Waltz
Waltz is a Miami-based FinTech-PropTech platform offering AI-powered DSCR mortgages that enable foreign nationals to remotely finance and purchase U.S. residential rental properties without U.S. credit history, supported across 40+ states and expanding into Latin America.
- Company typePrivate
- Founded2024
- HeadquartersMiami, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Waltz does
Waltz is a Miami-based FinTech-PropTech company that operates an AI-integrated digital mortgage platform enabling foreign nationals to finance, purchase, and remotely close U.S. residential real estate investments. The company underwrites Debt-Service-Coverage-Ratio (DSCR) loans that qualify borrowers based on rental property cash flow rather than U.S. credit history, Social Security numbers, or W-2 income documentation, supporting up to 70-75% LTV, 30-year terms, and closings in 14-30 days. Its product surface extends beyond lending through an Investor Kit add-on that bundles LLC formation, EIN issuance, FDIC-insured U.S. bank accounts (via Regent Bank), registered agent services, mail scanning, and currency exchange (via Visa Global Services) into a single workflow.
The platform is built around a self-serve web application with sales-assisted support and is available in English, Spanish, and Portuguese across 40+ U.S. states. Underlying technology includes AI-enabled document review and drafting, real-time deal-tracking, AirDNA integration for short-term rental underwriting, Onfido for KYC/AML, Stripe for payments, and Posthog for analytics. Operating entities include Waltz Mortgages LLC (Arizona-licensed), Waltz Capital Fund 1 LLC and Waltz Capital Fund 2 LLC (loan origination vehicles), and Waltz Tech LTD (technology operations).
Waltz generates revenue through transaction-based mortgage origination fees and loan interest, one-time Investor Kit fees ($680-$1,200 depending on state), and FX/transaction fees on cross-border transfers. The company serves individual foreign national investors, with a particular focus on Latin American markets (Mexico, Brazil, Colombia, Argentina) post a June 2025 expansion. It distributes through direct online channels, an inside sales team, and a partner network of buyer's agents, mortgage brokers, property managers, turnkey providers, and developers, and is backed by Setpoint Capital, TLV Partners, Aleph VC, RE Angels, and Sweetwood Ventures.
Waltz firmographics
Firmographics- Name
- Waltz
- Legal name
- Waltz, Inc.
- Website
- https://getwaltz.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Waltz is a Miami-based FinTech-PropTech platform offering AI-powered DSCR mortgages that enable foreign nationals to remotely finance and purchase U.S. residential rental properties without U.S. credit history, supported across 40+ states and expanding into Latin America.
- Ownership category
- akta.pro rank
Waltz industry classification
Industry- Product category
- Non-QM / DSCR Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA)
- akta.pro secondary industry
- Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)
Keywords
Where Waltz is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Waltz business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Mortgage Origination and Financing: Waltz originates DSCR loans for foreign nationals investing in U.S. residential real estate. Revenue generated from loan interest and origination fees on mortgage products. Loans offered up to 70% LTV for purchases and refinances, with 30-year terms and interest-only options.
- Investor Kit: One-time purchase of bundled services including LLC formation, EIN issuance, U.S. bank account setup, registered agent services, and mail scanning. Price ranges from $680 to $1,200 depending on state. Sold as an add-on to loan products or standalone.
- Banking and FX Services: International payment services and currency exchange capabilities powered by Visa Global Services. Revenue generated from foreign exchange spreads and transaction fees on cross-border transfers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Investor Kit (Add-on Service) |
| Transaction based/ take rate | Monthly | DSCR Mortgage Products |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Waltz product offering
Product offeringCore offering
Waltz operates an AI-powered digital mortgage platform that originates DSCR-based loans enabling foreign nationals to finance, purchase, and remotely close U.S. residential investment properties without U.S. credit history, SSN, or domestic income documentation. The platform bundles loan origination with entity formation (LLC/EIN), FDIC-insured U.S. banking via Regent Bank, and currency exchange via Visa Global Services, supporting closing in 14–30 days across 40+ U.S. states.
Product overview
Waltz offers a unified platform for foreign nationals to finance U.S. residential real estate investments. The core product is a DSCR-based digital mortgage platform that enables end-to-end property purchasing without U.S. credit or income requirements. The platform integrates loan origination (DSCR mortgages, refinances, cash-out options), entity formation (via the Investor Kit add-on), U.S. banking (via Regent Bank partnership), currency exchange, and fully digital remote closings into a single workflow. Key products include mortgages for foreign nationals (up to 70% LTV), rental property mortgages, refinancing options, and an Investor Kit add-on that bundles LLC formation, EIN, bank account, and FX services. The platform is available across 40+ U.S. states with Spanish and Portuguese language support for Latin American market expansion.
Differentiator
Problem solved
Functional benefit
Products and services
- DSCR Mortgage for Foreign Nationals Primary mortgage product that qualifies foreign national borrowers based on the rental property's debt-service coverage ratio rather than U.S. credit history, SSN, or W-2 income. Offers up to 70-75% LTV with 30-year terms, fixed-rate or interest-only options, loan amounts from $100K to $1M, and fully digital remote closing in 14-30 days across 40+ U.S. states.
- Second Home and Rental Property Mortgages Mortgage products for second homes and non-owner-occupied investment properties, covering single-family homes, condos, townhomes, and 2-4 unit multi-family buildings for both long-term and short-term rental strategies.
- Refinancing Mortgages for Foreign Nationals Refinancing options for foreign nationals holding existing U.S. investment properties, including rate-and-term and cash-out refinances up to approximately 70% LTV, enabling portfolio scaling and equity extraction.
- Investor Kit One-time add-on bundle that eliminates U.S. entity setup friction for foreign investors by providing LLC formation, EIN issuance, operating agreement, registered agent, mail scanning, an FDIC-insured U.S. business checking account (via Regent Bank), and foreign exchange capabilities (via Visa Global Services). Priced between $680 and $1,200 depending on the state.
- Banking and Cross-Border FX Services International payment and currency exchange services for foreign investors moving capital into the U.S., delivered through Visa Global Services (licensed money transmitter, NMLS ID 181032) for FX spreads and wire transfers, and FDIC-insured U.S. business checking accounts via Regent Bank (up to $250,000 FDIC coverage).
Quantifiable outcome
- Close mortgages in as little as 14 days
- +3 more outcomes
Companies that use Waltz
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Waltz technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature4 records
Waltz partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and supporting.
- Regent BankcoreRegent Bank provides FDIC-insured business checking accounts for Waltz's Investor Kit. Members receive FDIC insurance up to $250,000, wire transfer capabilities, and remote account management without visiting a U.S. branch.
- Visa Global ServicescoreVisa Global Services (VGSI) provides international payment services for Waltz, enabling secure currency exchange and cross-border fund transfers for international investors. VGSI is a licensed money transmitter (NMLS ID 181032) providing payment infrastructure.
- AirDNAsupportingAirDNA provides rental data and analytics used by Waltz to underwrite short-term rental (Airbnb/VRBO) properties. Waltz uses AirDNA's projected income estimates to calculate DSCR for STR properties.
Scale indicators7 records
Recent moves8 records
Expansion highlights6 records
Waltz competitors and assessment
Company assessmentDirect peers
- Kiavi: Kiavi is a leading DSCR-focused private lender for real estate investors, including non-owner-occupied rental properties. Direct overlap with Waltz on DSCR loan products for investors, though Waltz uniquely serves the foreign-national segment.
- Newfi Wholesale: Newfi is a non-QM lender specializing in DSCR loans for real estate investors, including foreign nationals. Competes directly with Waltz on DSCR products targeting the same investor borrower profile.
- Lima One Capital: Lima One Capital is a major non-QM/DSCR lender offering rental property loans to investors, with foreign-national programs. Overlaps with Waltz on DSCR underwriting and investor focus.
- Angel Oak Mortgage Solutions: Angel Oak is a non-QM mortgage lender with programs for foreign nationals and DSCR borrowers. Serves a similar niche of underserved borrowers seeking rental property financing.
- Deephaven Mortgage: Deephaven is a non-QM lender offering DSCR, foreign national, and investor-focused loan programs. Highly comparable product set and underwriting approach to Waltz.
- Athas Capital Group: Athas Capital is a non-QM/DSCR lender with foreign-national programs serving real estate investors. Directly comparable product mix and target borrower to Waltz.
Emerging players
- Roofstock: Roofstock is a marketplace for single-family rental investments with financing partnerships. While broader, it serves the same foreign and domestic rental-investor segment and increasingly overlaps in financing facilitation.
- Groundfloor: Groundfloor is a real estate investment platform enabling fractional ownership and financing. Adjacent to Waltz in serving retail investors entering U.S. real estate with alternative financing models.
Broad incumbents
- LendingHome: LendingHome is a digital lender for residential real estate investors offering fix-and-flip and rental loans. Competes on the rental/DCSR investor financing space at greater scale.
- Better.com: Better.com is a large digital mortgage lender pursuing foreign-national and DSCR programs. A broad incumbent that could encroach on Waltz's niche with greater capital and brand.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Waltz social profiles
Digital presenceWaltz compliance and trust
Trust signalCompliance3 records
Waltz financial estimates
Financial estimateRevenue estimate
Valuation estimate
Waltz leadership team
Management profileNumber of profiles
Profiles2 records
Waltz subsidiaries and ownership
Company hierarchySubsidiaries4 records
Waltz funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Waltz M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Waltz
What does Waltz do?
Waltz operates an AI-powered digital mortgage platform that originates DSCR-based loans enabling foreign nationals to finance, purchase, and remotely close U.S. residential investment properties without U.S. credit history, SSN, or domestic income documentation. The platform bundles loan origination with entity formation (LLC/EIN), FDIC-insured U.S. banking via Regent Bank, and currency exchange via Visa Global Services, supporting closing in 14–30 days across 40+ U.S. states.
Is Waltz a public or private company?
Waltz is a private company. It is classified as venture growth investor backed and is currently operating.
When was Waltz founded?
Waltz was founded in 2024. It employs 11 to 50 people.
Where is Waltz based?
Waltz is headquartered in Miami, United States, in the North America region.
How does Waltz make money?
Three revenue lines are on record. Mortgage Origination and Financing is the primary driver. The others are investor Kit and banking and FX Services.
Who are Waltz's main competitors?
Direct peers on record are Kiavi, Newfi Wholesale, Lima One Capital, Angel Oak Mortgage Solutions, Deephaven Mortgage and Athas Capital Group. Emerging players are Roofstock and Groundfloor. Broad incumbents are LendingHome and Better.com.
Does Waltz have an API?
No public API is recorded for Waltz.
What industry is Waltz in?
Waltz's product category is Non-QM / DSCR Mortgage Lending. Its primary akta.pro industry code is FSAGAHAA, Loan Origination Platforms (LOS) & Digital Application Journeys, with a secondary code of FSAGAKAH, Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity). Its NAICS code is 522310 and its SIC code is 6162.