Why Chinese Investors Are Buying Property in Texas
Texas remains one of the most popular U.S. states for international investors — especially those from China — due to its economic stability, strong rental yields, and pro-business environment.
Cities like Dallas, Austin, and Houston continue to attract overseas buyers with their expanding tech sectors, infrastructure development, and steady property appreciation.
For Chinese investors, Texas offers:
- No state income tax, maximizing rental income returns.
- High rental demand driven by population and job growth.
- Top education hubs make it ideal for student housing or properties for children studying abroad.
- Affordable property prices compared to coastal states like California and New York.
Read more about Why are overseas investors buying property in Texas — Right Now?
Buying Property in Texas for Student Housing and Children Studying in the U.S.
Education has become one of the leading reasons many international families invest in Texas real estate. Parents from countries like China, Singapore, and India often purchase homes near top universities to provide safe, convenient, and high-quality housing for their children studying in the U.S.
Texas is home to some of America’s most respected academic institutions, including The University of Texas at Austin, Rice University, Texas A&M University, and Southern Methodist University. These campuses attract thousands of international students every year — creating consistent demand for student accommodation and long-term rental opportunities.
Owning property near these universities offers multiple advantages:
- Security and Comfort: Parents gain peace of mind knowing their children live in a safe, well-maintained home.
- Cost Efficiency: Buying a home can be more cost-effective than paying years of rent or on-campus housing fees.
- Long-Term Returns: After graduation, these homes can be converted into student rentals or cash-flow properties, generating steady income.
- Asset Diversification: Real estate in Texas provides a stable, USD-based asset in a growing market.
With America Mortgages, non-residents can easily finance these purchases — even without a U.S. credit score or local income. Specialized loan programs such as purchase loans, DSCR loans, and interest-only financing make it possible for international parents to secure housing for their children while building long-term wealth through real estate investment in the U.S.
Texas Market Snapshot 2025
Texas continues to be a leading destination for foreign real estate investment in the U.S.
- Average annual appreciation: 4–6%+ across major metros.
- Rental yields: 5–8%+ depending on property type and location.
- Population growth: Driven by business migration and foreign investment.
Texas offers an excellent balance of affordability, growth, and yield, making it ideal for long-term real estate investment for foreigners.
The Uses of Property for Chinese Buyers
America Mortgages supports a variety of property goals and investment purposes, including:
- Investment properties for capital appreciation and income.
- Short-term rentals / Airbnb homes in major cities like Austin and Houston.
- Cash flow rentals for consistent monthly income.
- Second or vacation homes for family use or seasonal stays.
- Student housing near universities for children studying in the U.S.
- Corporate or relocation housing for executives working in Texas.
- Pied-à-terre residences for frequent travelers or business visitors.
Popular Property Types in Texas
Chinese buyers enjoy a wide range of property options that cater to different lifestyles and investment objectives:
- Single-family homes and townhouses in safe, suburban neighborhoods.
- Luxury condos and flats in major urban centers.
- Multiunit and multifamily properties for long-term rental income.
- Resort and hotel investments for short-term rental potential.
- Luxury homes and mansions in exclusive communities like The Woodlands or Highland Park.
All of these property types can be financed under U.S. mortgages for non-residents through America Mortgages’ specialized programs. Schedule a 15-minute call with our specialists to learn more.
How to Obtain Financing as a Non-Resident from China
America Mortgages provides financing solutions specifically designed for Chinese nationals buying property in the U.S. These programs allow borrowers to qualify using international assets, verified banking history, and rental income — with no U.S. credit score or local income required.
Loan Programs Available:
- Purchase Loans – For acquiring primary, vacation, or investment properties.
- Refinance Loans – Lower interest rates or improved terms on existing mortgages.
- Cash-Out and Cash-Out Equity Loans – Access home equity to fund new investments or renovations.
- Bridging Loans – Short-term financing between sales or acquisitions.
- Development Loans (DK) – For construction or property development projects.
America Mortgages also assists with cross-border fund transfers and currency compliance, ensuring transactions align with Chinese foreign exchange (SAFE) regulations.
With loan-to-value (LTV) ratios up to 75–80% and fixed-rate terms extending up to 30 years, Chinese non-residents can access flexible, long-term financing for U.S. property ownership.
Step-by-Step Guide: Buying Texas Property from China
- Get Pre-Approved
Submit your financial documents (bank statements, asset proof, and ID) for online pre-approval through America Mortgages’ secure portal. - Choose the Right Property
Select a Texas property that meets your goals — student housing, rental property, or vacation home. - Loan Processing & Approval
Our specialists evaluate your financial profile and match you with the best U.S. mortgage for foreign nationals. - Close Remotely
Sign all closing documents online from China. The entire process can be completed within 30–45 days.
Key Requirements for Chinese Non-Residents
To qualify for financing, Chinese buyers typically need:
- Valid passport and proof of address in China
- Two months of bank statements for available funds verification
- Foreign banking references or asset statements
America Mortgages accepts international income documentation for self-use properties (second homes or vacation homes). Investment properties can qualify through DSCR programs without income verification.
Why Partner with America Mortgages
America Mortgages is the leading U.S. mortgage lender for foreign nationals and expats, providing over 150 loan programs exclusively for non-residents.
We specialize in:
- U.S. mortgages for Chinese nationals with no local credit or income requirements.
- Fully digital application and closing processes from anywhere in the world.
- Transparent terms, competitive rates, and personalized support.
Our goal is to make Non-Resident U.S. Property Ownership simple, compliant, and profitable.
Conclusion
Chinese investors can confidently enter the Texas property market through America Mortgages. Whether purchasing for investment, student housing, or family use, our team ensures a smooth, fully digital financing experience.
Contact us at [email protected] or call +1 (845) 583-0830 to speak directly with a U.S. Mortgage Specialist.
Frequently Asked Questions
Q1: Can Chinese citizens buy property in Texas?
A: Yes. There are no citizenship or visa restrictions. Chinese nationals can buy directly or through a U.S. LLC for asset protection and tax planning.
Q2: Do I need a U.S. credit score to qualify?
A: No. America Mortgages accepts verified international assets and banking references. For second or vacation homes, income documentation may be required; investment properties can qualify without it.
Q3: What property types qualify for financing?
A: All residential, multiunit, and investment properties, including condos, single-family homes, and townhouses.
Q4: What loan programs are available for non-residents?
A: Options include fixed-rate, DSCR, interest-only, purchase, refinance, cash-out, bridge, and development loans — all tailored for U.S. mortgages for foreign nationals.
Q5: How long does it take to close the deal?
A: Typically 30–45 days, and the entire process can be completed remotely from China.
Q6: Can I finance multiple properties in the U.S.?
A: Yes. Through portfolio and DSCR loans, America Mortgages helps investors build and manage multi-property portfolios across U.S. states.
