Loans for Foreign Nationals in the state of Florida are hard to come by these day. Because the loan amount is so small you might want to consider a Hard Money loan.

Most lenders require a $50,000 dollar loan and up.

I don't know of anyone who is lending to foreign nationals. They're out there, I'm sure. After the subprime bust, it's been hard to finance these types of loans. That would be your first obstacle. It is possible to pull an international credit report and buy the property as an investment home (perhaps). The next obstacle would be the loan amount. When you start dipping below $60,000 in loan amount, discount points are assessed. A loan amount of $40,000 may be easier to go to a local bank and get a line of credit (even if the local bank is in the US). I would recommend this over going to a larger bank. The process is no different from any other. A local bank may be less difficult.