AM Premier+ Loan Program

At a glance

AM Premier+ program terms

The essentials from the one-pager. Full loan-to-value, amount and credit ranges are in the table below; all figures are indicative and confirmed at pre-approval.

Loan term: 30 years
Rate type: Fixed & adjustable available
Interest-only option: Yes
Qualifying basis: Property cash flow only (DSCR)
Use of property: Investment only
Ownership: U.S. entity (LLC) required
Closing time: 30–45 days
Lenders: U.S. wholesale (non deposit-taking)

Key features

Why investors choose AM Premier+

Qualifies on property cash flow only

Approval is based solely on the property's rental income (DSCR) — including short-term rental income. No personal income, employment or tax returns are reviewed.

No U.S. credit required

U.S. citizens qualify from a 680 score; foreign nationals can use foreign credit. No U.S. Social Security Number or U.S. credit history is needed.

No U.S. residency required

Borrow from anywhere in the world. The program is built for non-resident investors — U.S. expats and foreign nationals alike — and closes remotely.

30–45 day closings

A streamlined, cash-flow-based file moves fast: most AM Premier+ loans close in 30 to 45 days from a complete application.

Up to 80% LTV, 30-year terms

Finance up to 80% on a purchase (U.S. citizens) with 30-year fixed or adjustable structures. An interest-only option is available to maximize cash flow.

One application, 150+ lenders

AM Premier+ draws on 150+ U.S. wholesale lender relationships, so a single application is matched to the program that best fits your deal.

Rates & terms

Loan-to-value, amounts and credit by borrower

These ranges are taken directly from the AM Premier+ one-pager. They are indicative only — your exact LTV, loan amount and terms are confirmed in writing at pre-approval.

Indicative loan-to-value, loan amounts and minimum credit for the AM Premier+ Loan Program
Program	Max LTV	Loan amount	Min. credit
U.S. Citizen — Purchase	Up to 80%	$100k – $3M	680
U.S. Citizen — Cash-out refinance	Up to 75%	$100k – $3M	680
Foreign National — Purchase	Up to 75%	$150k – $1M	Foreign credit OK
Foreign National — Cash-out refinance	Up to 70%	$150k – $1M	Foreign credit OK

As of 1 July 2026

Indicative ranges only, not an offer of credit. Actual rates, LTV and terms depend on the program, property, borrower profile and prevailing market conditions, and are confirmed in writing at pre-approval.

Who it's for

AM Premier+ eligibility

Built for investors buying U.S. property through a U.S. entity. You qualify on the property's cash flow — here's what you need, and what you can skip.

You're a fit if…

You are a U.S. citizen or a foreign national investing in U.S. real estate
You are purchasing, refinancing, or taking cash out on an investment property
The property generates rental income — long-term or short-term (e.g. Airbnb)
You can (or will) hold the property in a U.S. entity such as an LLC
You can fund the down payment (20–25% purchase) plus closing costs and reserves
Loan size fits $100k–$3M (U.S. citizen) or $150k–$1M (foreign national)

What you don't need

U.S. credit history (foreign credit is accepted for foreign nationals)
U.S. residency, a U.S. visa, or a U.S. Social Security Number
Personal income, employment verification, or U.S. tax returns
An in-person visit — the file is underwritten and closed remotely

Costs & fees

What AM Premier+ costs

No surprises. Origination is a success fee paid only on funding; the rest depend on the property, state and lender, and are itemized before you commit.

Origination

2% (success fee)

Charged on funding — you only pay when the loan closes.

Appraisal

Property-dependent

Set by the appraiser based on the property and location.

Settlement costs

State-dependent

Title, escrow and recording fees vary by U.S. state.

Lender fee

Lender / state-dependent

Varies with the wholesale lender and the property's state.

How to apply

From property details to closing — remotely

Tell us about the property
Book a call or send the short form: the U.S. state, the purchase or refinance amount, and the property's actual or projected rental income.
Get a cash-flow pre-approval
We size the loan against the property's cash flow (DSCR) across 150+ wholesale lenders and come back with indicative terms.
Set up your U.S. entity & docs
Hold the property in a U.S. LLC and provide ID plus a rental appraisal. No personal income, U.S. credit or tax returns are needed. We manage the appraisal and underwriting.
Close remotely in 30–45 days
Sign at a local notary or U.S. embassy and fund by wire. Most AM Premier+ files close within 30 to 45 days of a complete application.

One-pager

View or download the AM Premier+ one-pager

This page is the full, up-to-date source. The PDF below is the original leave-behind you can save or share — the same summary in a single downloadable sheet.

AM Premier+ Loan Program — one-pager (PDF)

Download · 1.3 MB

“Pleasure to work with. Very clear from Day 1 as to what they could achieve. Didn't promise anything that they couldn't fulfill.”

David Kachani· via Google

FAQ

AM Premier+ questions, answered

What is the AM Premier+ Loan Program?

AM Premier+ is America Mortgages' flagship cash-flow (DSCR) mortgage for U.S. investment property. Instead of your personal income, it qualifies on the property's rental income alone — long-term or short-term. It is open to both U.S. citizens and foreign nationals, requires no U.S. credit or residency, and typically closes in 30 to 45 days.

How is AM Premier+ qualified — do you check my income or credit?

Qualification is based only on the property's cash flow (a DSCR calculation), so no personal income, employment or U.S. tax returns are reviewed. U.S. citizens qualify from a 680 credit score; foreign nationals can use foreign credit, and no U.S. credit history is required.

How much can I borrow and what LTV is available?

Loan amounts run $100,000–$3,000,000 for U.S. citizens and $150,000–$1,000,000 for foreign nationals. Maximum loan-to-value is up to 80% on a U.S.-citizen purchase (75% cash-out) and up to 75% on a foreign-national purchase (70% cash-out). Exact figures depend on the property, its cash flow and your profile.

What are the loan terms and is interest-only available?

AM Premier+ is a 30-year program with both fixed and adjustable-rate options. An interest-only option is available, which many investors choose to maximize the monthly cash flow on a rental property.

Do I need a U.S. company to use AM Premier+?

An LLC or other U.S. entity is a common way to hold investment property and can offer liability protection, privacy and portfolio flexibility — but it is not a requirement of the program. If you would like to set one up, our concierge team can help as part of the process.

Is short-term rental (Airbnb) income allowed?

Yes. AM Premier+ accepts short-term rental income as well as long-term leases when calculating the property's cash flow, which makes it well suited to vacation-rental and Airbnb investors.

What are the costs and fees?

Origination is 2% and is a success fee — you pay it only when the loan funds. Appraisal, settlement and lender fees vary by the property, the U.S. state and the wholesale lender, and your specialist gives you an itemized estimate before you commit.

How fast can AM Premier+ close?

Most AM Premier+ loans close in 30 to 45 days from a complete application. We can issue an indicative pre-approval once we have the property details and its rental income.

Explore more

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AM Student+

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Foreign National (Overseas)

The full guide to U.S. mortgages for foreign nationals living abroad.

Talk to a specialist

Get matched to the right AM program across 150+ lenders.

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Get your AM Premier+ rate

Share the property and its rental income and a U.S. mortgage specialist will size your AM Premier+ loan across 150+ lenders. No obligation, no U.S. credit needed.

U.S. investment property financed through the AM Premier+ Loan Program

U.S. expats & foreign nationalsuse AM Premier+ to finance U.S. investment property on the asset's cash flow alone. A real specialist reviews your deal — not a call center.

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Download the one-pager (1.3 MB)

America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Wholly owned by Global Mortgage Group Pte. Ltd. (Singapore). A direct lender and leading mortgage broker for U.S. expats and foreign nationals. The AM Premier+ Loan Program is for investment property only. Loan amounts, LTV, credit and terms shown on this page are indicative only, as of 1 July 2026, and are not an offer or commitment to lend. All financing is subject to program eligibility, the property and its cash flow, borrower profile, underwriting and prevailing market conditions, and is confirmed in writing at pre-approval.