Advantages Of Investment Mortgage Loans Over Cash Purchases

In short, a CAP rate on a commercial property is simply a way for investors, lenders, and other real estate professionals to quickly see the strength of the subject

As a U.S. real estate investor, investment mortgage loans can be very beneficial to you. America Mortgages focuses specifically on these types of mortgage loans. There are several programs on hand that make it possible for people to get a mortgage to invest in real estate.

Some of them are better than others, but they can all help you out in some way. If you are considering getting a mortgage, here are a few advantages that you can get from an investment mortgage loan.


Use other people’s money – The biggest advantage of using investment mortgage loans is that you get to use other people’s money. Many financial experts have said that you should use other people’s money whenever you can. When you get a mortgage, you only have to put up a certain percentage of the property’s money, but you still get to benefit from owning the whole property. You get to take advantage of the property’s appreciation, and you get to use it for whatever you want. This allows you to hang on to your capital and use it for other investments.

Reasonable interest: With most mortgages, you will be able to get a very affordable interest rate as long with or without a U.S. credit score (FICO). When you get a low-interest rate like you can with an investment mortgage, it can save you a substantial amount of money. For the cost of the loan, it is usually well worth it to get a mortgage instead of using your funds. Hang on to your cash and use it towards additional investments.

Easy approval: With an investment mortgage, you will usually be able to tell whether you are approved relatively quickly. America Mortgages has pretty cut and dry standards when it comes to getting you approved for an investment mortgage. America Mortgages has loan programs for U.S. Expats with or without U.S. credit. We understand that living abroad often changes factors and your ability to borrow in the U.S. Our loan programs are tailored towards your exact situation.

Not a U.S. citizen, Foreign National, or considering relocating abroad for work or school? We can help. Our Foreign National / Non-U.S. citizen mortgage loans were created for these situations. Qualify with No U.S. credit. No U.S. residency. No income verification. It’s not simple, but we have it down to a science with our expertise in this market. You will know where you stand and if you will qualify within a reasonable amount of time.

Increase your reach: With the use of investment mortgages, you can increase your investment power. As you grow, you can keep buying more and more property. In Asia, where property prices have increased, and square footage and yield have decreased, finding an affordable investment outside your home country makes sense. Many people would not be able to purchase property otherwise as it usually takes a significant investment. You can keep picking up more and more stuff as you go.

Build your net worth: Hong Kong, Singapore, Shanghai, and other large Asian cities have cooling measures to stabilize a fast appreciating Real Estate market mainly due to outside investment and the lack of affordable Real Estate options. Being able to build your net worth on a global scale gives with a reasonable mortgage loan that eventually you will have all of the property paid off gives you the same opportunity as anyone else regardless of your passport. You are free to do what you want with all of the property. If you had to rely on your funds for all of this, much of it would not be possible.

The Verdict

Using an investment mortgage can be a great way to get involved in the real estate investment market. Many people have gained considerable amounts of wealth through the use of real estate investment. Therefore, if you are considering getting involved in the field, you should definitely take advantage of investment mortgages. The advantages that you will receive as a result of using them will help you in a number of ways. If you can qualify for one, it makes a lot of sense financially. America Mortgages’ primary focus is helping non-U.S. citizens and Expats obtain prime, quality investment mortgage loans not only in the United States but on a global scale.

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