Non-resident foreigners (those living outside the U.S.) invested $19.4 billion into U.S. homes in 2024, according to NAR. That’s nearly 50,000 properties purchased by investors living abroad.
Why? Because even in a changing market, U.S. rental property remains one of the most stable ways to build wealth and earn passive income.
In fact, 2025 is already shaping up to be one of the most competitive rental markets yet.
According to RentCafe’s latest report, the national Rental Competitiveness Index (RCI) is 75.7, placing it firmly in the “high demand” category.
It’s not just the usual suspects, either.
Cities like Cleveland, Minneapolis, and Overland Park, Kansas, are emerging as hot rental markets, with gross rental yields ranging from 6% to 8%.
Even suburban Chicago is now more competitive than Miami, thanks to housing shortages and strong job growth.
But here’s the challenge: Many international investors don’t know where to start or how to compete.
That’s where we come in.
At America Mortgages, we specialize in helping non-resident foreign nationals and U.S. expats secure U.S. mortgages remotely, with no U.S. credit or personal income required (loans qualify on the property cash-flow)
Our mortgage solutions are designed for international investors:
✅ No U.S. credit score required ✅ Foreign-earned income accepted (if required) ✅ Rental income can be used to qualify, not personal income ✅ Up to 80% LTV available across all 50 states ✅ Loan amounts from $100,000 and up
Por qué los inversores globales están eligiendo invertir en propiedades de EE. UU. de forma remota
Según la Asociación Nacional de Agentes Inmobiliarios (NAR), los extranjeros no residentes (es decir, quienes viven fuera de EE. UU.) invirtieron 19.4 mil millones de dólares en viviendas estadounidenses en 2024. Esto representa casi 50,000 propiedades compradas por inversores que viven en el extranjero.
¿Por qué? Porque incluso en un mercado cambiante, las propiedades de alquiler en EE. UU. siguen siendo una de las formas más estables de generar riqueza y obtener ingresos pasivos.
De hecho, 2025 ya se perfila como uno de los mercados de alquiler más competitivos hasta ahora.
Según el último informe de RentCafe, el Índice Nacional de Competitividad de Alquileres (RCI) alcanzó 75.7, lo que lo sitúa claramente en la categoría de “alta demanda”.
Y no se trata solo de las ciudades tradicionales.
Ciudades como Cleveland, Minneapolis y Overland Park, en Kansas, están emergiendo como mercados de alquiler en auge, con rendimientos brutos de alquiler que oscilan entre el 6% y el 8%.
Incluso los suburbios de Chicago ahora son más competitivos que Miami, debido a la escasez de viviendas y el fuerte crecimiento del empleo.
Pero aquí está el desafío: muchos inversores internacionales no saben por dónde empezar o cómo competir.
Ahí es donde entramos nosotros.
En America Mortgages, nos especializamos en ayudar a ciudadanos extranjeros no residentes y a expatriados estadounidenses a obtener hipotecas en EE. UU. de forma remota, sin necesidad de historial crediticio o ingresos personales en EE. UU. (los préstamos califican según el flujo de efectivo de la propiedad).
Nuestras soluciones hipotecarias están diseñadas para inversores internacionales:
✅ No se requiere historial crediticio en EE. UU. ✅ Se aceptan ingresos obtenidos en el extranjero (si es necesario) ✅ Los ingresos por alquiler pueden usarse para calificar, no los ingresos personales ✅ Hasta el 80% de financiación disponible en los 50 estados ✅ Montos de préstamo desde $100,000 en adelante
Nuestro enfoque integral incluye:
✅ Aprobaciones hipotecarias y cierres remotos a través de nuestro portal cifrado de America Mortgages ✅ Préstamos puente rápidos: financiamos $22 millones mediante nuestro programa AM Bridge+ en solo 5 días ✅ Conexión con agentes inmobiliarios en los 50 estados ✅ Socios confiables para administración de propiedades, seguros, constitución de LLC, asesoría fiscal internacional y transferencias de dinero
No necesitas estar en EE. UU., tener un puntaje de crédito estadounidense o visitar la propiedad en persona.
Solo necesitas el equipo adecuado.
Contáctanos hoy para una consulta gratuita y explora nuestras soluciones hipotecarias personalizadas para inversores remotos:
Act Fast: Rare New Boston Condos Hitting the Market Now
There are missed opportunities and then there’s missing out on the only new condo development in Cambridge, Boston, right next to Harvard and MIT. For global investors, this isn’t just another property launch. It’s a rare chance to own real estate in one of the most competitive and tightly held markets in the U.S.
Why This Is a Rare Opportunity
Only New Condo Development in the Area Cambridge has strict zoning and historic preservation rules. New developments are extremely rare, especially in such a prime location near top-tier universities and the biotech hub of Kendall Square.
Super Prime Location: Inman Square This is a walkable, vibrant neighborhood surrounded by restaurants, boutiques, and research centers. You’re under five minutes from Harvard and MIT, placing you at the center of academic and innovation powerhouses.
Near Zero Vacancy Rental vacancy in Cambridge is nearly zero. Demand from students, faculty, researchers, and biotech professionals ensures your unit will not sit empty.
Strong Rental Yields With average rental yields of 5 to 6%, this investment delivers reliable income backed by a steady stream of high-quality tenants.
Secure a Home Near Boston’s Best Schools
Boston is one of the most sought-after cities in the world for education. With prestigious schools, colleges, and universities in every direction, owning a home here is a smart move for families with children who may eventually study in the U.S.
This property is within walking distance of Harvard and MIT and conveniently located near Boston’s top public and private schools. Buying now secures your future housing needs while offering a high-performing investment.
Financing Available for Overseas Investors
America Mortgages offers financing options for foreign nationals and U.S. expats. No U.S. credit score or income is required. You can even refinance or cash out from an existing U.S. property to fund this purchase.
About the Property
A boutique project with only 13 units remaining (total of 26), ranging from 570 to over 1,000 square feet. Unit types include studios, one-bedroom, two-bedroom, and three-bedroom layouts.
Prices range from $700,000 to $1.5 million.
All units feature modern designer interiors and are optimized for high rental appeal.
Cambridge isn’t just a great neighborhood. It’s a protected ecosystem with world-class demand, virtually no supply, and one of the most educated and affluent renter populations in the country. This property is the only new build in the area. Once it’s gone, there may not be another chance like it for years.
Perfect for investors, ideal for families — this is a smart move any way you look at it.
In the fast-paced world of global real estate investment, timing is everything. Whether you’re seizing a new opportunity, refinancing a maturing loan, or unlocking the value of existing assets, having access to capital fast can make or break a deal. That’s where bridge loans come in.
At America Mortgages, our team specializes in providing U.S. bridge financing for non-resident investors with speed, clarity, and flexibility.
U.S. Bridge Loan Market Overview
According to a recent report by the American Association of Private Lenders (AAPL), private lenders completed 3,736 bridge loan transactions totalling nearly $2 billion in originations. This highlights the strong demand for short-term financing solutions in the U.S. real estate market, particularly among investors who need fast, flexible access to capital.
What makes America Mortgages different, besides its international access through its parent company, Global Mortgage Group—a Singapore-based HNW real estate financing firm—is its expertise in dealing with non-resident real estate investors. This expertise, along with unique funding sources, sets us apart from most, if not all, asset-backed loan originators.
What Is a Bridge Loan?
A bridge loan is a short-term financing solution designed to bridge the gap between an immediate funding need and long-term financing or liquidity. In real estate, it’s commonly used to:
Free up equity in existing properties
Fund urgent purchases or business needs
Refinance maturing loans
Acquire property before securing permanent financing
Bridge loans are typically secured by the borrower’s U.S. property and can often be arranged faster than traditional mortgage products.
Case Study: $22M U.S. Bridge Loan Funded in 5 Days
In a recent example, America Mortgages closed two asset-backed U.S. bridging loans totalling $22 million for an Australian investor in Sydney. The properties in San Diego, California, were originally purchased over a decade ago as a long-term investment.
With property values having more than doubled, the investor saw a time-sensitive business opportunity and needed to unlock equity quickly.
“Our team, noting the urgency and short timeline of this closing, coordinated the escrow, title, appraisal, insurance, and funding all within 5 business days,” said Robert Chadwick, CEO of America Mortgages.
This transaction not only highlights the efficiency of our lending team but also our deep understanding of the unique needs of international property owners.
The America Mortgages Bridge+ Loan Program provides quick access to capital with competitive rates and streamlined processing, tailored specifically for the needs of international real estate investors.
Payment Options: Monthly, interest-only, or interest rolled up
Loan-to-Value (LTV): Up to 75%
Location: Available in all 50 U.S. states
Underwriting: Based solely on property value
Amortization: Interest-only servicing
Closing Time: As fast as 5–14 days
Whether you’re unlocking liquidity from existing U.S. assets or seizing an investment opportunity, AM Bridge+ was designed to move with the speed and simplicity global investors demand.
Ready to Unlock the Value of Your U.S. Property?
Bridge financing can be an effective tool for unlocking liquidity when it matters most. If you’re a global investor with U.S. real estate holdings, the team at America Mortgages is ready to help you structure a deal that works for your timeline and goals.
Contact us today to learn more about our U.S. bridge loan programs for international clients.
¿22 millones en 5 días? Por qué los inversionistas inteligentes están recurriendo a los préstamos puente en EE. UU.
En el acelerado mundo de la inversión inmobiliaria global, el tiempo lo es todo. Ya sea que estés aprovechando una nueva oportunidad, refinanciando un préstamo próximo a vencerse o desbloqueando el valor de activos existentes, tener acceso rápido al capital puede ser la diferencia entre cerrar o perder un negocio. Ahí es donde entran los préstamos puente.
En America Mortgages, nuestro equipo se especializa en ofrecer financiamiento puente en EE. UU. para inversionistas no residentes, con rapidez, claridad y flexibilidad.
Panorama del mercado de préstamos puente en EE. UU.
Según un informe reciente de la American Association of Private Lenders (AAPL), los prestamistas privados completaron 3,736 transacciones de préstamos puente, por un total de casi $2 mil millones en originaciones. Esto resalta la fuerte demanda de soluciones de financiamiento a corto plazo en el mercado inmobiliario estadounidense, especialmente entre inversionistas que necesitan acceso rápido y flexible al capital.
¿Qué hace diferente a America Mortgages?
Además de su alcance internacional a través de su empresa matriz, Global Mortgage Group —una firma de financiamiento inmobiliario para personas de alto patrimonio con sede en Singapur—, America Mortgages se distingue por su experiencia en trabajar con inversionistas inmobiliarios no residentes. Esta especialización, junto con fuentes únicas de financiamiento, nos diferencia de la mayoría, si no de todos, los originadores de préstamos respaldados por activos.
¿Qué es un préstamo puente?
Un préstamo puente es una solución de financiamiento a corto plazo diseñada para cubrir la brecha entre una necesidad inmediata de capital y el financiamiento o liquidez a largo plazo. En el ámbito inmobiliario, se utiliza comúnmente para:
Liberar capital de propiedades existentes
Financiar compras urgentes o necesidades comerciales
Refinanciar préstamos que están por vencer
Adquirir una propiedad antes de obtener financiamiento permanente
Los préstamos puente normalmente están respaldados por la propiedad del prestatario en EE. UU. y, en muchos casos, pueden gestionarse más rápido que los productos hipotecarios tradicionales.
Caso de estudio: préstamo puente de $22 millones en EE. UU. financiado en 5 días
En un ejemplo reciente, America Mortgages cerró dos préstamos puente respaldados por activos en EE. UU. por un total de $22 millones para un inversionista australiano con sede en Sídney. Las propiedades, ubicadas en San Diego, California, fueron adquiridas originalmente hace más de una década como inversión a largo plazo.
Con los valores de las propiedades más que duplicados, el inversionista identificó una oportunidad comercial urgente y necesitaba liberar capital rápidamente.
“Nuestro equipo, reconociendo la urgencia y el corto plazo para cerrar la operación, coordinó el fideicomiso, título, tasación, seguro y financiamiento en tan solo 5 días hábiles,” comentó Robert Chadwick, CEO de America Mortgages.
Esta operación no solo resalta la eficiencia de nuestro equipo de financiamiento, sino también nuestra profunda comprensión de las necesidades únicas de los propietarios internacionales de bienes raíces.
El programa Bridge+ de America Mortgages ofrece acceso rápido al capital, con tasas competitivas y un proceso ágil, diseñado específicamente para atender las necesidades de los inversionistas inmobiliarios internacionales.
Características clave y requisitos del préstamo:
Ingresos: No se requiere ingreso personal
Crédito: No se requiere historial crediticio en EE. UU.
Tipos de préstamo elegibles: Compra, refinanciamiento, refinanciamiento con retiro de capital
Plazos: De 12 a 24 meses
Montos de préstamo: Desde US$300,000 hasta más de US$100 millones
Opciones de pago: Mensuales, solo intereses o intereses acumulados
Relación préstamo-valor (LTV): Hasta el 75%
Ubicación: Disponible en los 50 estados de EE. UU.
Evaluación: Basada únicamente en el valor de la propiedad
Amortización: Solo pago de intereses
Tiempo de cierre: Tan rápido como en 5 a 14 días
Ya sea que estés desbloqueando liquidez de activos existentes en EE. UU. o aprovechando una nueva oportunidad de inversión, AM Bridge+ está diseñado para operar con la velocidad y simplicidad que los inversionistas globales necesitan.
¿Listo para desbloquear el valor de tu propiedad en EE. UU.?
El financiamiento puente puede ser una herramienta eficaz para liberar liquidez justo cuando más se necesita. Si eres un inversionista global con propiedades en Estados Unidos, el equipo de America Mortgages está listo para ayudarte a estructurar una solución adaptada a tus tiempos y objetivos.
Contáctanos hoy para conocer más sobre nuestros programas de préstamos puente en EE. UU. para clientes internacionales.
Buying U.S. property as an overseas investor shouldn’t feel out of reach or overwhelming. With the right guidance and structure, obtaining a U.S. mortgage is not only possible, it’s easier than you think. That’s why we’ve built a completely turnkey solution tailored to foreign national and U.S. expat investors, so you can invest with confidence, ease, transparency and the full support of an experienced and knowledgeable team, every step of the way.
A Seamless Mortgage Experience
As a direct lender and super broker, we have one focus at America Mortgages — providing market-rate U.S. mortgage loans for non-U.S. residents, both foreign nationals and U.S. expatriates. As a matter of fact, this is all we do, and I firmly believe no one does this better. Whether it’s your first purchase or part of a diversified global portfolio, having viable fixed-rate options is crucial to your success as a global investor. From a no-cost or obligation pre-approval to a successful close, our team handles everything in-house, no third-party delays, no confusion, just clear communication and fast turnaround times.
Loan Programs Designed for Global Buyers
If you’ve ever tried to go to a large institutional U.S. bank to obtain a U.S. mortgage, you’ll immediately understand why America Mortgages was founded. Our mortgage solutions are designed to work around the limitations of traditional banks. If you’re a non-U.S. passport holder, you don’t need a U.S. credit score or a previous U.S. footprint. If you’re a U.S. expat, you still need to have U.S. credit, however, no W2 is required and foreign earned income is allowed.
AM Rental Coverage+ Loan
This is our most popular program for investors. It’s based on common sense underwriting. We qualify you based on the rental income of the property, not your personal income. If the rent covers the mortgage, you’re approved. It’s that simple. Does there need to be a renter in place when you buy the property? No, a tenant is not required at the time of purchase or refinance, if the property is vacant we will determine the market rent in the appraisal of the property.
Key Loan Program Details:
Property Type: 1–4 unit properties
Minimum Loan Amount: US$100,000
Loan-to-Value: Up to 80% for purchases and 70% for cash-out refinances
Underwriting: Based on the property’s rental income, with no personal income required
Credit Requirements: No U.S. credit required (foreign national)
Closing Time: Quick, with closings in 30–45 days
AM Second Home Loan Program
A home that will be used for part-time personal use or full-time use for a family member would be classified as a second home. Second homes are underwritten to the borrower’s personal income.
Key Loan Program Details:
Property Type: 1–4 unit properties
Minimum Loan Amount: US$200,000
Loan-to-Value: Up to 80% for purchases and 75% for cash-out refinances
Underwriting: Based on borrowers’ personal income. Foreign income is acceptable
Credit Requirements: No U.S. credit required
Closing Time: Quick, with closings in 30–45 days
How You Qualify for an Investment Property
America Mortgages uses a common sense underwriting approach. This mortgage loan structure has been created to help foreign nationals and U.S. expats, focusing on the property’s rental income instead of relying on U.S. income documentation. This makes it easier for U.S. expat and foreign national investors to get qualified.
We offer financing across all 50 states, with loan amounts starting from US$100,000 and loan-to-values (LTVs) up to 80%.
Trusted Partners to Simplify the Process
Investing in U.S. real estate isn’t just about the mortgage; it’s about everything that comes with it. That’s why we’ve partnered with industry experts to ensure your entire investment journey is covered.
Finding The RIGHT Property: Our partner, Newzip, connects international buyers with top-rated, investor-friendly real estate agents across the U.S. They’ll match you with experienced local agents who understand the unique needs of foreign buyers and guide you through every step of the process. Plus, you’ll receive 0.5% of the purchase price toward your closing costs when you buy through a Newzip agent.
Insurance: Our insurance partner, Steadily, specializes in covering rental properties owned by non-resident investors. They offer comprehensive and affordable coverage options tailored to your needs. LLC Setup: We’ve partnered with Nobility Consulting, experts in LLC formation for international investors. They’ll help you structure your U.S. property purchase for tax efficiency, asset protection, and estate planning.
Money Transfer: Halo Financial is our trusted currency transfer partner. They help clients move funds securely and cost-effectively with excellent exchange rates and lower fees than traditional banks.
Property Management: We connect you with experienced property management companies across the U.S., including trusted partners Austplan Management and Bridgewater. They manage leasing, maintenance, and tenant relations so your investment stays hassle-free. They handle everything from tenant screening to maintenance and rent collection, ensuring your property is professionally managed while you focus on building your portfolio.
U.S. Taxes: Our tax partner, AITAX, works exclusively with foreign nationals and U.S. expats. They ensure you remain fully compliant with U.S. tax requirements and help you structure your investments tax-efficiently.
Let’s Make It Happen
With America Mortgages, you get more than just a loan; you get a partner who understands the unique aspects overseas investors face when investing in U.S. real estate. Let us help you build wealth in the U.S. with a financing solution that’s truly built around you.
Whether you’re purchasing a single-family rental in Florida or a multi-unit investment property in Texas, our team is here to guide you every step of the way.
Schedule a call with a loan officer to explore how our financing solutions can support your investment goals
Comprar una propiedad en EE. UU. como inversionista extranjero no debería parecer inalcanzable ni abrumador
Con la orientación y estructura adecuadas, obtener una hipoteca en EE. UU. no solo es posible, sino más fácil de lo que piensas. Por eso hemos creado una solución completamente llave en mano diseñada para inversionistas extranjeros y expatriados estadounidenses, para que puedas invertir con confianza, facilidad, transparencia y con el respaldo completo de un equipo experimentado y conocedor en cada paso del camino.
Una experiencia hipotecaria sin complicaciones
Como prestamista directo y súper corredor, en America Mortgages tenemos un solo enfoque: ofrecer hipotecas estadounidenses a tasa de mercado para no residentes en EE. UU., incluyendo tanto a ciudadanos extranjeros como a expatriados estadounidenses. De hecho, esto es todo lo que hacemos, y creo firmemente que nadie lo hace mejor. Ya sea tu primera compra o parte de un portafolio global diversificado, contar con opciones viables de tasa fija es crucial para tu éxito como inversionista global. Desde una preaprobación gratuita y sin compromiso hasta el cierre exitoso, nuestro equipo se encarga de todo internamente, sin demoras de terceros, sin confusión, solo comunicación clara y tiempos de respuesta rápidos.
Programas de préstamos diseñados para compradores globales
Si alguna vez has intentado obtener una hipoteca en un banco estadounidense grande, comprenderás de inmediato por qué se fundó America Mortgages. Nuestras soluciones hipotecarias están diseñadas para superar las limitaciones de los bancos tradicionales. Si no tienes pasaporte estadounidense, no necesitas historial crediticio en EE. UU. ni presencia previa en el país. Si eres un expatriado estadounidense, sí necesitas historial crediticio en EE. UU., pero no se requiere un W2 y se acepta ingreso ganado en el extranjero.
AM Rental Coverage+ Loan
Este es nuestro programa más popular para inversionistas. Se basa en una suscripción de sentido común. Te calificamos en función del ingreso por alquiler de la propiedad, no de tus ingresos personales. Si el alquiler cubre la hipoteca, estás aprobado. Es así de simple. ¿Es necesario que haya un inquilino en la propiedad al momento de la compra? No. Si la propiedad está vacía, determinamos el alquiler de mercado en la tasación.
Detalles clave del programa:
Tipo de propiedad: 1–4 unidades
Monto mínimo del préstamo: US$100,000
Relación préstamo-valor: hasta 80% para compras y 70% para refinanciamiento con retiro de efectivo
Evaluación: basada en ingreso por alquiler, sin necesidad de ingreso personal
Requisitos de crédito: no se requiere crédito en EE. UU. (para ciudadanos extranjeros)
Tiempo de cierre: rápido, entre 30 y 45 días
AM Segundo Programa de Vivienda
Una propiedad usada a tiempo parcial por el propietario o por un familiar a tiempo completo se clasifica como segunda vivienda. Estas hipotecas se evalúan con base en el ingreso personal del prestatario.
Detalles clave del programa:
Tipo de propiedad: 1–4 unidades
Monto mínimo del préstamo: US$200,000
Relación préstamo-valor: hasta 80% para compras y 75% para refinanciamiento con retiro de efectivo
Evaluación: basada en ingreso personal del prestatario. Se acepta ingreso extranjero
Requisitos de crédito: no se requiere crédito en EE. UU.
Tiempo de cierre: rápido, entre 30 y 45 días
Cómo calificar para una propiedad de inversión
America Mortgages utiliza un enfoque de suscripción de sentido común. Esta estructura hipotecaria ha sido creada para ayudar a ciudadanos extranjeros y expatriados estadounidenses, enfocándose en el ingreso por alquiler de la propiedad en lugar de depender de documentación de ingresos en EE. UU. Esto facilita que los inversionistas extranjeros y expatriados califiquen.
Ofrecemos financiamiento en los 50 estados, con préstamos a partir de US$100,000 y relaciones préstamo-valor (LTV) de hasta 80%.
Socios confiables para simplificar el proceso
Invertir en bienes raíces en EE. UU. no se trata solo de la hipoteca, sino de todo lo que la acompaña. Por eso nos hemos asociado con expertos de la industria para cubrir toda tu jornada de inversión.
Seguros: Nuestro socio Steadily se especializa en asegurar propiedades de alquiler propiedad de inversionistas no residentes. Ofrecen coberturas completas y asequibles adaptadas a tus necesidades.
Administración de propiedades: Te conectamos con empresas de administración inmobiliaria con experiencia en EE. UU., incluyendo Austplan Management y Bridgewater. Se encargan del arrendamiento, mantenimiento y relaciones con los inquilinos, para que tu inversión sea sin complicaciones.
Constitución de LLC: Nos hemos asociado con Nobility Consulting, expertos en formar LLC para inversionistas internacionales. Te ayudan a estructurar tu compra inmobiliaria en EE. UU. para mayor eficiencia fiscal, protección de activos y planificación patrimonial.
Transferencia de dinero: Halo Financial es nuestro socio de confianza para transferencias internacionales. Ayudan a transferir fondos de forma segura y económica, con excelentes tasas de cambio y tarifas más bajas que los bancos tradicionales.
Impuestos en EE. UU.: Nuestro socio fiscal, AITAX, trabaja exclusivamente con ciudadanos extranjeros y expatriados estadounidenses. Se aseguran de que cumplas con los requisitos fiscales de EE. UU. y optimices la estructura fiscal de tus inversiones.
Encontrar la propiedad adecuada: Nuestro socio Newzip conecta a compradores internacionales con agentes inmobiliarios con experiencia en todo EE. UU. Te emparejan con agentes locales que entienden las necesidades de los compradores extranjeros y te guían durante todo el proceso. Además, recibirás el 0.5% del valor de compra como crédito en costos de cierre si compras con un agente de Newzip.
Hagámoslo realidad
Con America Mortgages, obtienes más que un préstamo; obtienes un socio que comprende los desafíos únicos que enfrentan los inversionistas internacionales en bienes raíces estadounidenses. Permítenos ayudarte a construir tu patrimonio en EE. UU. con una solución financiera hecha a tu medida.
Ya sea que estés comprando una casa unifamiliar en Florida o una propiedad multifamiliar en Texas, nuestro equipo está aquí para guiarte en cada paso.
Rising rates. Soaring tariffs. Global uncertainty.
Sounds like a time to sit on the sidelines, right? Not exactly.
For savvy investors, these are the signals of opportunity – especially in U.S. real estate.
We recently hosted an exclusive webinar with our Co-Founder, Donald Klip, where he unpacked what’s really happening beneath the headlines—and why current market conditions are creating a strong window of opportunity for foreign nationals and U.S. expats looking to invest in U.S. real estate.
A supply crisis hiding in plain sight
While much of the media focuses on Fed policy and mortgage rate spikes, a more powerful force is quietly driving the U.S. housing market: an unprecedented shortage of homes.
Estimates show the country is short by 5 to 7 million homes. Rising tariffs are also pushing up the cost of imported construction materials, from Canadian lumber to Chinese tools, which is slowing new developments even further.
With fewer homes being built and demand continuing to rise, the result is predictable: prices are holding steady and rental yields are climbing.
In fact, in 2022, despite the Fed raising interest rates from 0.25% to over 4.25%—the sharpest annual increase in four decades—U.S. home prices still rose by 10.2%, according to the Federal Housing Finance Agency (FHFA). That’s not just resilience; it’s a sign of a strong asset.
The “new” American dream and what it means for landlords
There was a time when the American Dream meant working hard, buying a home, and raising a family. However, with median home prices now 6–7 times the average household income, homeownership is no longer attainable for many Americans.
Instead, more people are renting, and that trend is accelerating. This is great news for landlords and rental investors. The shift from ownership to tenancy is driving up demand for well-located, investor-owned properties, particularly in migration hotspots.
For foreign investors, this presents an opportunity to enter markets where tenants are plentiful and rental income potential is strong. According to ATTOM’s Q1 2025 Single-Family Rental Market Report, gross rental yields across U.S. counties vary widely, with many affordable and emerging markets offering yields starting from 8% and reaching up to 18%.
These returns are significantly higher than those typically seen in many international property markets, making U.S. real estate a compelling option for global investors in 2025.
Migration is reshaping where investors are looking
Americans are on the move. Whether it’s to escape high costs, pursue better job opportunities, or benefit from lower taxes, more people are relocating, and doing so quickly.
States like Texas, Florida, Tennessee, Georgia, North and South Carolina are seeing a steady stream of new residents. Why? They offer strong job growth, particularly in industries like EVs, semiconductors, and logistics, along with no state income tax and relatively affordable housing.
For investors, this shift isn’t just interesting; it presents a clear opportunity. When people move, rental demand follows. These are the markets where growth is accelerating, infrastructure is expanding, and property values are poised to rise.
Why Buying Now Sets You Up for Future Equity
While some investors may hesitate in a high-rate environment, there are strong reasons why now may be exactly the right time to enter the market.
When interest rates fall, and market indicators suggest that could happen soon, home prices are expected to jump. For investors who buy during the rate spike, this can lead to equity gains, refinancing opportunities, and the chance to pull cash out for their next investment.
Do I need U.S. credit to invest?
Absolutely not! If you’re a foreign national, you do not need U.S. credit to invest using America Mortgages’ market rate mortgage loans for investors. On top of that, the loans qualify on the property’s cash flow/rental on a 1:1 basis. No personal income taxes or end-of-year statements required. It’s common sense underwriting at its best!
Does a U.S. Expat need W2 income?
Absolutely not. If you’re a U.S. expat and you still maintain U.S. credit, you can qualify just as if you were living and working in the U.S. but with foreign-earned income allowed and no W2 required. A real game changer if you’ve tried other banks!
At America Mortgages, we approve clients based on the property’s projected rental income—not your personal income. If the rent covers the mortgage, you qualify.
Loan highlights:
No U.S. credit score required (foreign nationals)
Foreign-earned income accepted
Rental income qualifies the loan, not personal income
Up to 80% LTV available across all 50 states
Loan amounts from $100,000 and up
This is how global investors are entering the U.S. market—easily, affordably, and with confidence.
1. Is now a good time to invest in U.S. real estate?
Yes. Even during aggressive rate hikes, U.S. home prices rose over 10% in 2022. Limited supply and rising construction costs due to tariffs are keeping prices and yields strong. It’s a landlord’s market.
2. Should I wait for Fed rate cuts or buy now?
Don’t wait. Property prices tend to jump as soon as rates drop. Lock in today’s pricing, then refinance later for better terms and equity gains.
3. What’s the fastest way to get started?
Get pre-approved. America Mortgages can issue a pre-approval within 24 hours—no U.S. credit or tax returns required. We also help connect you with realtors in top U.S. investment cities.
4. How do migration trends affect investment strategy?
Migration drives demand. States like Texas, Florida, and the Carolinas are seeing population growth, job expansion, and rising rents. If people are moving there, investors should be too.
We recently hosted a webinar with Donald Klip, Co-Founder of America Mortgages, to unpack how today’s high-interest rates, surging tariffs, and shifting migration patterns are creating unexpected opportunities in U.S. real estate—especially for foreign nationals and U.S. expats.
For those who missed it, the recording is available here.
During the session, Donald Klip (DK) addressed key questions, covering market trends, property performance comparisons, and tailored financing solutions designed specifically for foreign nationals and U.S. expats investing from abroad.
Remarks have been edited for clarity and brevity.
Is now a good time to invest in U.S. real estate?
DK: Absolutely. Despite high interest rates and global uncertainty, home prices in the U.S. still rose over 10% in 2022—during one of the steepest rate hikes in history. Why? A severe housing shortage. The U.S. is short 5–7 million homes, and tariffs are further stalling new builds by raising costs for materials like Canadian lumber and Chinese tools. That imbalance means prices and rental yields continue to climb. It’s a landlord’s market.
How do rising tariffs affect real estate?
DK: Tariffs increase the cost of construction inputs, which discourages homebuilders from starting new projects. That slows down supply even further—driving up home values and rent. In short: rising tariffs are inflationary for housing, which benefits investors holding real estate assets.
How do tariffs affect the cost of new construction, and what does that mean for buyers of existing homes?
DK: Builders rely heavily on imported materials—tools from China, lumber from Canada. Tariffs have made these essentials significantly more expensive, which is discouraging new construction. That benefits buyers of existing homes: low supply means higher prices and stronger rental yields for current inventory.
Are there signs that gentrification is slowing?
DK: Not at all. America has a deep-rooted culture of migration. Cities continue to gentrify as people relocate for affordability, jobs, and better schools. What’s different is where the action is. We’re seeing massive movement into the Southeast corridor—Texas, Georgia, the Carolinas—thanks to major job creation (like EV and semiconductor factories) and no state income tax.
Should we prioritize no-income-tax states for investment?
DK: Yes, it’s smart to consider. States like Texas, Florida, and Tennessee are seeing population surges because of their favorable tax policies. If tenants are moving there, investors should follow. We often advise looking at school rankings, employment growth, and cost of living alongside tax rates when deciding where to buy.
With talk of possible Fed rate cuts later this year, should we wait or lock in financing now?
DK: Don’t wait. Prices are more sensitive than interest rates. When rates are cut, prices will spike—possibly overnight. If you’re looking at a $200,000 home and wait for a rate drop, it could jump to $250,000. Lock in now and refinance later for better terms and equity gains.
How does rental income-based qualification work?
DK: It’s simple. If the projected rent covers the mortgage, you’re approved. We don’t need U.S. credit, tax returns, or employment documentation. That’s the foundation of our Rental Coverage+ loan program, designed specifically for foreign nationals and U.S. expats.
Besides West Virginia, are any other states becoming affordable?
DK: A few states like Kentucky, Mississippi, and Arkansas still fall under “moderately affordable,” but the affordability map is shrinking. West Virginia remains the only state labeled as “affordable.” That’s why migration is such a big deal—it’s people chasing affordability and better opportunities.
How fast can a bridging loan be approved and funded?
DK: Typically within 1 to 4 weeks, depending on the structure. It’s especially popular now because many banks aren’t lending aggressively. Bridging loans offer flexibility—whether you’re buying time to close, tapping equity, or grabbing an urgent opportunity.
What are some unexpected ways clients use bridging loans?
DK: We’ve seen clients use them to pay for healthcare, purchase businesses, invest in gold, or fund overseas property buys. Recently, a client refinanced three debt-free U.S. properties to buy a home in Singapore. It’s all about liquidity at the right moment.
How do migration trends shape investment decisions?
DK: Migration is the new investment map. Americans are moving to states with better job prospects, lower taxes, and affordable housing. These migration patterns are driving rental demand and price appreciation. “Follow the migration” is our mantra—it’s where infrastructure is expanding and yields are strong.
What’s your forecast for U.S. interest rates?
DK: The market is pricing in four rate cuts by year-end. If rates fall, expect property prices to jump. If you buy now, you benefit from today’s pricing and refinance later for better terms and potential cash-out equity. That’s the U.S. game.
What loan-to-values (LTVs) can foreigners expect?
DK: Up to 75% LTV with no U.S. credit history required. For U.S. expats, it’s even higher. Our most popular program qualifies borrowers purely on rental income. We also offer options based on overseas income and high-net-worth portfolios.
Can I get pre-approved before finding a property?
DK: Yes. We can issue a pre-approval within 24 hours. You’ll use that to start house hunting with proof of financing. Once you’re ready to go into contract, we’ll finalize the loan with minimal fuss. We even connect clients with realtors in top investment cities.
Do you work with self-employed or digital nomads?
DK: Absolutely. Many of our clients don’t have traditional income documentation. That’s why our rental-based qualification model is so effective. You don’t need pay slips or HR letters—just a solid rental appraisal. If the rent covers the loan, you’re good.
What should someone do today if they want to take advantage of these trends but don’t know where to start?
DK: Just reach out. We’ll guide you through the full process—help you select the right city, introduce you to trusted realtors, structure your mortgage, and even assist with LLC formation and taxes. You’re not alone in this. Let us help you get started.
Whether you’re acquiring your first U.S. investment property or expanding your real estate holdings internationally, this new feature gives you a stronger cash position from day one.
Why Global Investors Choose America Mortgages
Unlike traditional lenders, America Mortgages is built exclusively for foreign nationals and U.S. expats. That’s our entire business. We simplify U.S. property ownership—regardless of where you live or which passport you hold.
What sets us apart:
No U.S. credit score required
Foreign-earned income accepted
Rental income qualifies the loan, not personal income
Up to 80% LTV available across all 50 states
Loan amounts from $100,000 and up
This isn’t just another mortgage—it’s a tailored solution designed for international investors who want direct access to U.S. real estate without the traditional barriers.
Whether you’re an entrepreneur in Singapore, a tech executive in Berlin, or a retiree in Dubai, America Mortgages gives you the tools to invest confidently from anywhere in the world.
Ready to Invest With Less Cash Up Front?
Let’s talk. Our mortgage specialists are available 24/7 to help you unlock new opportunities and grow your global real estate footprint.
America Mortgages — The #1 Choice for Foreign Nationals and U.S. Expats. Because owning in the U.S. shouldn’t require living in the U.S.
Inversión en Propiedades en EE. UU. — Ahora con Aún Menos Dinero de Tu Bolsillo
America Mortgages, el líder en financiamiento inmobiliario en EE. UU. para extranjeros y expatriados estadounidenses, acaba de hacer que invertir en propiedades en EE. UU. sea aún más fácil.
Presentamos Nuestro Nuevo Programa de Financiamiento de Costos de Cierre
Estamos emocionados de lanzar una opción revolucionaria para los inversionistas inmobiliarios internacionales: Ahora los prestatarios pueden financiar los costos de cierre directamente dentro de su hipoteca — sin afectar su relación préstamo-valor (LTV).
¿Qué significa esto para ti?
Menor cantidad de dinero necesario al momento de la compra Conservas más capital al refinanciar Sin comprometer el LTV aprobado
Ya sea que estés adquiriendo tu primera propiedad de inversión en EE. UU. o ampliando tu portafolio inmobiliario internacional, esta nueva función te brinda una mejor posición de liquidez desde el primer día.
Por Qué los Inversionistas Globales Eligen America Mortgages
A diferencia de los prestamistas tradicionales, America Mortgages está diseñado exclusivamente para extranjeros y expatriados estadounidenses. Ese es todo nuestro enfoque. Simplificamos la propiedad inmobiliaria en EE. UU., sin importar dónde vivas o qué pasaporte tengas.
Lo que nos hace diferentes:
No se requiere puntaje crediticio en EE. UU. Se acepta ingreso generado en el extranjero Los ingresos por alquiler califican para el préstamo, no tu ingreso personal Hasta el 80% de LTV disponible en los 50 estados Montos de préstamo desde $100,000 en adelante
Esto no es solo otra hipoteca—es una solución personalizada diseñada para inversionistas internacionales que quieren acceso directo al mercado inmobiliario de EE. UU. sin las barreras tradicionales.
Ya seas emprendedor en Singapur, ejecutivo tecnológico en Berlín o jubilado en Dubái, America Mortgages te da las herramientas para invertir con confianza desde cualquier parte del mundo.
¿Listo para Invertir con Menos Dinero Inicial?
Hablemos. Nuestros especialistas en hipotecas están disponibles 24/7 para ayudarte a descubrir nuevas oportunidades y hacer crecer tu presencia inmobiliaria global.
U.S. commercial real estate has long been seen as a stable and attractive asset class. In recent years, it has become increasingly popular among international investors looking to diversify their portfolios, generate predictable income, and build long-term equity.
What many investors don’t realize is just how accessible U.S. commercial property is—even if you don’t live in the United States, hold U.S. credit, or have a U.S. entity.
Foreign nationals and U.S. expats can now finance commercial real estate across the United States with loan programs specifically designed for overseas borrowers. These loans focus on the strength of the deal itself, not the borrower’s U.S. profile.
Commercial Real Estate Lending That Prioritizes the Asset, Not the Borrower
Financing U.S. commercial real estate as a foreign investor can be more straightforward than many assume. There are loan programs specifically structured for non-resident borrowers that consider a comprehensive view of both the property and the borrower.
Rather than relying solely on U.S. credit scores or domestic income, these programs assess a combination of factors, including the property’s income potential, the borrower’s global financial profile, and the overall structure of the deal.
This approach creates opportunities for international investors who may not have U.S. residency or credit but possess strong financials, a solid asset base, and a clear investment strategy.
Investing from Abroad Without U.S. Credit or Income
Foreign nationals can secure U.S. commercial property financing without needing U.S. income documentation or credit scores. These loans can be structured to accommodate overseas tax returns and non-resident income.
Interest rates for foreign borrowers are competitive, and they remain attractive for investors seeking dollar-denominated cash flow and capital appreciation.
Down payments typically range from 30 to 35 percent, although in some cases—particularly for strong multifamily properties with high occupancy—this may drop to 20%.
Why Commercial Real Estate Appeals to Global Investors
For many overseas investors, commercial real estate presents fewer management hassles and more scalable opportunities. Unlike residential properties, commercial tenants are businesses, not individuals. Lease terms are longer, turnover is lower, and responsibilities such as repairs and property taxes are often built into the lease structure.
Many international investors favor property types like:
Multifamily apartment buildings
Retail shopping centers
Self-storage facilities
Medical offices
RV and boat storage
Warehouses and light industrial parks
These assets provide consistent income streams and can be managed remotely with the help of local property management companies.
Accessing U.S. Commercial Loans Without Stepping Foot in the Country
One of the biggest shifts in recent years is how seamless it has become to invest and finance from overseas. From sourcing the deal to structuring the loan and completing the closing, every step of the process can be done remotely.
Documentation requirements are tailored for international borrowers. While U.S. citizens may use W-2s and domestic tax filings, foreign nationals can qualify using overseas financial statements, international bank references, and global asset portfolios.
It’s no longer necessary to establish a U.S. entity, fly in for a closing, or navigate the process through trial and error. There are lending partners who specialize exclusively in foreign national and expat financing, removing the guesswork and opening the door to serious investment opportunities.
The Bottom Line
U.S. commercial real estate offers foreign investors a combination of stability, scalability, and strong income potential. With tailored loan programs now available for non-resident borrowers, it’s easier than ever to secure funding for a commercial property in the United States.
Whether you’re looking to acquire your first CRE asset or expand an existing portfolio, the right financing partner can guide you through the process with a strategy that fits your investment goals.
U.S. real estate is no longer out of reach—it’s wide open.
Frequently Asked Questions
Should I get pre-approved before finding a property?
In commercial real estate, lenders need to evaluate the property itself. It’s best to identify the asset first, then structure the financing based on that deal.
Can I use a CPA letter instead of tax returns?
Some lenders may accept a CPA letter as supplemental documentation, but most will require at least three years of tax returns to assess income and financial consistency.
How long does the loan process take?
Pre-approval typically takes one to two weeks once documents and a property contract are submitted. Closing generally takes 30 to 45 days, depending on the complexity of the deal.
What’s the required down payment?
Most lenders require 30 to 35 percent down. In some cases, such as strong-performing multifamily assets, this may be reduced to 20%.
Is there a limit to how many U.S. commercial properties I can finance?
There is no set limit. You can finance as many properties as you qualify for based on your financial profile and the property’s performance.
Do I need U.S. credit to qualify?
No. U.S. credit is not required. Loans can be structured around your international financial history and documentation.
Where can I find commercial properties to invest in?
Platforms like CREXI and LoopNet are excellent starting points. A local commercial broker can also help you identify high-potential opportunities in your target market.
Ready to Start Your Commercial Investment Journey?
Whether you’re acquiring your first U.S. commercial asset or expanding a global portfolio, we can help you find the right financing strategy tailored to your goals.
La estrategia secreta que los inversionistas extranjeros están utilizando para comprar propiedades comerciales en EE. UU. sin crédito estadounidense
Los bienes raíces comerciales en Estados Unidos han sido considerados durante mucho tiempo una clase de activo estable y atractiva. En los últimos años, se han vuelto cada vez más populares entre inversionistas internacionales que buscan diversificar sus carteras, generar ingresos predecibles y construir patrimonio a largo plazo.
Lo que muchos inversionistas no se dan cuenta es cuán accesibles son las propiedades comerciales en EE. UU., incluso si no vives en Estados Unidos, no tienes crédito estadounidense o no posees una entidad en el país.
Los ciudadanos extranjeros y los expatriados estadounidenses ahora pueden financiar bienes raíces comerciales en todo Estados Unidos con programas de préstamos diseñados específicamente para prestatarios en el extranjero. Estos préstamos se enfocan en la solidez del negocio en sí, no en el perfil crediticio del prestatario en EE. UU.
Préstamos para bienes raíces comerciales que priorizan el activo, no al prestatario
Financiar bienes raíces comerciales en EE. UU. como inversionista extranjero puede ser más sencillo de lo que muchos suponen. Existen programas de préstamos estructurados específicamente para prestatarios no residentes que consideran una visión integral tanto de la propiedad como del prestatario.
En lugar de depender únicamente de puntajes de crédito estadounidenses o ingresos domésticos, estos programas evalúan una combinación de factores, incluyendo el potencial de ingresos de la propiedad, el perfil financiero global del prestatario y la estructura general del negocio.
Este enfoque crea oportunidades para inversionistas internacionales que pueden no tener residencia o crédito en EE. UU., pero poseen finanzas sólidas, una base de activos sólida y una estrategia de inversión clara.
Invertir desde el extranjero sin crédito o ingresos en EE. UU.
Los ciudadanos extranjeros pueden obtener financiamiento para propiedades comerciales en EE. UU. sin necesidad de documentación de ingresos o puntajes de crédito estadounidenses. Estos préstamos pueden estructurarse para adaptarse a declaraciones de impuestos en el extranjero e ingresos de no residentes.
Las tasas de interés para prestatarios extranjeros son competitivas y siguen siendo atractivas para inversionistas que buscan flujos de efectivo en dólares y apreciación de capital.
Los pagos iniciales suelen oscilar entre el 30 y el 35 por ciento, aunque en algunos casos, particularmente para propiedades multifamiliares sólidas con alta ocupación, esto puede reducirse al 20 %.
Por qué los bienes raíces comerciales atraen a inversionistas globales
Para muchos inversionistas en el extranjero, los bienes raíces comerciales presentan menos complicaciones de gestión y más oportunidades escalables. A diferencia de las propiedades residenciales, los inquilinos comerciales son negocios, no individuos. Los términos de arrendamiento son más largos, la rotación es menor y responsabilidades como reparaciones e impuestos a la propiedad a menudo están incorporadas en la estructura del arrendamiento.
Muchos inversionistas internacionales prefieren tipos de propiedades como:
Edificios de apartamentos multifamiliares
Centros comerciales minoristas
Instalaciones de autoalmacenamiento
Consultorios médicos
Almacenamiento para vehículos recreativos y embarcaciones
Almacenes y parques industriales ligeros
Estos activos proporcionan flujos de ingresos consistentes y pueden ser gestionados de forma remota con la ayuda de empresas locales de gestión de propiedades.
Nuestro reciente seminario web con Lance Langenhoven
Acceder a préstamos comerciales en EE. UU. sin pisar el país
Uno de los mayores cambios en los últimos años es lo sencillo que se ha vuelto invertir y financiar desde el extranjero. Desde la búsqueda del negocio hasta la estructuración del préstamo y la finalización del cierre, cada paso del proceso puede realizarse de forma remota.
Los requisitos de documentación están adaptados para prestatarios internacionales. Mientras que los ciudadanos estadounidenses pueden usar formularios W-2 y declaraciones de impuestos nacionales, los ciudadanos extranjeros pueden calificar utilizando estados financieros en el extranjero, referencias bancarias internacionales y carteras de activos globales.
Ya no es necesario establecer una entidad en EE. UU., viajar para un cierre o navegar el proceso por ensayo y error. Hay socios prestamistas que se especializan exclusivamente en financiamiento para ciudadanos extranjeros y expatriados, eliminando las conjeturas y abriendo la puerta a oportunidades de inversión serias.
Conclusión
Los bienes raíces comerciales en EE. UU. ofrecen a los inversionistas extranjeros una combinación de estabilidad, escalabilidad y fuerte potencial de ingresos. Con programas de préstamos adaptados ahora disponibles para prestatarios no residentes, es más fácil que nunca asegurar financiamiento para una propiedad comercial en Estados Unidos.
Ya sea que estés buscando adquirir tu primer activo de bienes raíces comerciales o expandir una cartera existente, el socio financiero adecuado puede guiarte a través del proceso con una estrategia que se ajuste a tus objetivos de inversión.
Los bienes raíces en EE. UU. ya no están fuera de alcance; están ampliamente disponibles.
¿Listo para comenzar tu inversión en bienes raíces comerciales en EE. UU.?
Ya sea que estés adquiriendo tu primer activo comercial en Estados Unidos o ampliando tu portafolio global, podemos ayudarte a encontrar la estrategia de financiamiento adecuada para alcanzar tus objetivos.
Contáctanos:
Lance Langenhoven Director de Préstamos Comerciales 📧 [email protected]
In the exclusive webinar, “Investing & Financing U.S. Commercial Real Estate While Living Overseas,” Lance Langenhoven, Head of Commercial Lending at America Mortgages, shared expert insights on how non-U.S. residents can successfully invest in and finance U.S. commercial properties from anywhere in the world.
From understanding different loan structures to learning how to work with U.S. lenders, this session covered everything a foreign national needs to know to make informed investment decisions and secure the right financing.
For those who missed it, the recording is available here.
Remarks have been edited for clarity and brevity.
Should I first get pre-approved for a loan or get the property under contract?
LL: In commercial real estate, it’s tricky to get pre-approved without knowing what kind of property you want to buy. Since there are so many categories, the best approach is to first identify a property you’re interested in and send a link or contract for that property. Once the property is identified, a deal package can be prepared for banks. While you may not receive a formal pre-approval, you will get a guideline of what’s possible based on that specific property and your profile.
Can I just send a letter from my CPA stating my income instead of tax returns?
LL: It might work with some banks, and it’s worth trying, but most banks typically require at least three years of tax returns. A CPA letter might be considered supplementary, but it won’t replace the standard documentation requirements for most lenders.
If I find a commercial property I like, should I deal with the listing agent directly?
LL: No. In the U.S., it’s best to have your own buyer’s agent. The listing agent represents the seller and is ethically required to act impartially, meaning you may not get the best deal or full insights if you’re not represented. A buyer’s agent won’t cost you extra since the seller usually pays their commission.
How long does the loan approval process typically take for non-residents?
LL: Pre-approval can take as little as a week or two, if all documentation and the contract are in place. Closing the deal usually takes at least 30 days, potentially more depending on the appraisal and due diligence process. If you haven’t identified a property yet, pre-approval isn’t really possible.
Do I need a down payment for commercial real estate loans?
LL: Yes. 100% financing is not available. Most foreign investors need at least a 30–35% down payment. For some multifamily deals, it could be as low as 20%, depending on the loan program. If you don’t have all the capital, you could partner with friends or family for the down payment, though it’s best to have some of your own funds in the deal.
Is there a limit to how many U.S. commercial properties I can finance as a foreign investor?
LL: No. There is no limit—you can buy and finance as many properties as you can afford.
Is Zillow a good place to find commercial real estate deals?
LL: Zillow is great for residential real estate, but not for commercial. Use platforms like CREXI or LoopNet instead.
What documentation is required if I’m self-employed or own a business overseas?
LL: You’ll need at least three years of tax returns, a list of your assets and information about your business (likely including financials or proof of ownership)
What is the average interest rate and down payment for foreign nationals?
LL: Down payment: Typically 30–35%, sometimes as low as 20% for certain multifamily deals. Interest rates: Around 7% to 7.5% is considered good in the current market. Rates may vary depending on the type of deal and lender.
Do commercial loans qualify based on property cash flow or personal income?
LL: Primarily on the property’s cash flow. In fact, lenders prefer not to use personal income when evaluating a commercial loan. The stronger the cash flow, the easier it is to qualify.
Do I need U.S. credit to qualify for a commercial loan?
LL: No. Foreign nationals do not need U.S. credit to qualify. America Mortgages works specifically with non-residents, and U.S. credit history is not required.
America Mortgages Inc. is a mortgage broker focusing only on U.S. Expats and Foreign Nationals living overseas. We offer over 150 U.S. bank and lender programs direct to our international clients. America Mortgages is wholly-owned by Global Mortgage Group Pte. Ltd. an international mortgage specialist based in Singapore.
