1. Go in with cash offer.
2. While in escrow, tell seller you’re going to get a loan, but closing is not contigent on loan.
Buyer won’t care so long as you close on time. Everything looks like cash at the end anyway. The only thing you’re doing is removing loan contigency…Only works with strong buyers…
As far as foreigners. They might not have a loan domestically, but nothing says they aren’t getting the loans abroad….