Author: Premela R.

The U.S. Housing Shortage Is Your Investment Opportunity

From rising rents to record-low housing supply, real estate is now front and center in the U.S. economy. While policymakers are working on long-term strategies to ease the pressure, international investors are already taking action as they recognize that the window to enter the U.S. property market is wide open.

Housing Supply Is Still Far Behind Demand

According to the National Association of Realtors, the U.S. housing market is currently short by about 5.5 million homes. In May 2025, the median home price in the U.S. reached $407,600, up nearly 6% from the year before. During the same period, new home sales surged by more than 14%, according to the U.S. Census Bureau. These figures reflect that demand remains strong. However, for many renters, homeownership remains out of reach.

A recent survey shows that affordability is still the top barrier preventing renters from buying, as shown in the chart below.

With demand far outpacing supply, prices remain strong in key rental markets including Florida, Texas, North Carolina, and Georgia.

Policy Momentum Is Building

In response to the housing shortage, state and city leaders are proposing new strategies to unlock more housing supply and improve affordability. These range from expanding buildable land to modernizing zoning and financing rules.

Some proposals include large-scale new home construction targets, the conversion of underused land into housing, and revised borrowing criteria that could make it easier for more people to access financing. While still in early stages, these ideas point to a growing push to resolve structural housing challenges, which could open new doors for investors.

Rental Demand Remains High

Vacancy rates for single-family rentals are near 1.6% nationally, according to Rentometer and RentCafe reports. In fast-growing cities like Charlotte, Orlando, and Dallas, rental demand is strong and rents continue to rise as inventory struggles to keep up.

At America Mortgages, we continue to see strong demand from foreign nationals and U.S. expats financing homes for rental income or long-term growth. Many are choosing to secure property now, ahead of increased competition.

What About Mortgage Rates?

Some investors are locking in today’s prices and planning to refinance later if the Federal Reserve moves ahead with expected rate cuts this year. This approach allows them to enter the market without trying to perfectly time interest rate changes.

Why International Buyers Are Moving Now

  • Currently the  U.S. has a 5.5 million home shortage, keeping prices and rents elevated with little to no relief in the near future.
  • Politicians are prioritizing housing with serious proposals that may unlock new development and financing paths increasing property values.
  • Rents continue to rise, especially in landlord-friendly states.

America Is Becoming a Nation of Renters — Here’s Why That’s Great News for Property Investors

Rental demand has exploded. Vacancy rates in many markets are at historic lows while rents continue to climb. 

For landlords and real estate investors, the message is clear: this is a golden era for owning rental property. With limited housing supply, strong rental yields, and rising long-term appreciation, investing in U.S. real estate, especially in landlord-friendly states, offers a rare combination of income and growth.

Whether you’re a U.S. expat or a foreign national, this is the time to act.

America Mortgages specializes in financing U.S. property for foreign nationals and U.S. expats. With up to 80% loan-to-value, 30-year fixed rates (regardless of the age of the borrower), and no U.S. credit or income required, we make it easy to invest in U.S. real estate, no matter where you live.

Contact us today to get started! Visit www.americamortgages.com, call +1 (845) 583-0830 to speak with a loan officer, or schedule a call with a U.S. mortgage specialist here.

Fed Keeps Rates Steady. Here’s Why Savvy Investors Should Hit Go

With interest rates holding steady and signs pointing to possible cuts later this year, more international investors are returning to the U.S. property market. In fact, according to a recent survey by AFIRE, 44% of foreign real estate investors say they plan to increase their U.S. holdings in 2025, up from 24% last year. Why now? Savvy investors know that when the domestic owner-occupied market is slow, the ability to purchase investment properties at more favorable prices and without competition is a smart play. 

The U.S. Federal Reserve kept rates unchanged at 4.25 to 4.5%. For foreign nationals and U.S. expats considering real estate in the U.S., this creates a rare period of clarity. The Fed’s projections suggest rate cuts may still come before year-end. Acting now could allow buyers to lock in current rates and take advantage of favorable financing before the next wave of activity begins.

This relatively steady rate environment, along with signs that inflation could ease over time, gives overseas buyers a good reason to move forward now.

Why This Is Catching Investor Attention

Inflation in the U.S. is expected to reach around 3% this year, and the Fed has lowered its growth forecast to 1.4%. Even so, the job market remains strong, the economy continues to grow at a steady pace, and the lack of U.S. housing inventory, currently sitting at a 6 million shortfall, is not ending anytime soon. 

These factors are exactly what many real estate investors are looking for. We are seeing piqued interest from buyers across Asia, the Middle East, Central and South America, as well as Europe. Many of them are charging into the market after waiting through a period of global uncertainty.

Don’t Take Our Word for It Alone

Hundreds of smart, highly paid analysts from big firms are recommending—Buy. Buy. Buy. 

Over the past decade, private equity firms and giant financial corporations such as Blackstone have significantly increased their residential property holdings. In the first quarter of 2024 alone, investors purchased around 44,000 U.S. homes, according to Redfin. That’s nearly 19% of all home sales during that period. The share was even higher for lower-priced homes, with investors buying 26.1% of those properties.

What This Means for Our Clients

At America Mortgages, we are seeing more demand from U.S. citizens living abroad and from foreign nationals looking to invest in residential and commercial property. These buyers are focused on income generation, long-term growth, and the ability to hold U.S. dollar assets.

Our lending programs are built specifically for overseas investors. You do not need a U.S. credit score or U.S. income to qualify. In many cases, buyers can qualify using income earned abroad or projected rental income from the property they want to buy.

Key Program Features

  • Loan amounts from US$100,000 to US$30M
  • Up to 80% loan-to-value
  • No U.S. credit history required for foreign national borrowers
  • 30 to 45-day closings
  • Fixed 10-year Interest-only options available
  • Qualify using rental income or foreign income documentation

Whether you’re buying a single-family home, a student rental near a university, or a long-term investment property, we can help structure financing to fit your situation.

Looking Ahead to the Rest of 2025

The Fed has signaled that rate cuts are still possible later this year. Jerome Powell also noted that the inflation caused by new tariffs might be short-lived, depending on how long those measures stay in place. Combined with steady rental demand and solid property values, this gives global investors good reason to take a closer look at U.S. real estate right now.

Those who move now can secure favorable financing and position themselves for future gains, both from potential rate drops and from currency movements.

Let’s Talk

America Mortgages works exclusively with foreign nationals and U.S. expats. Our teams are based across key international markets and are available to support you in your time zone.

If you’re thinking about buying property in the U.S., now is a good time to start the conversation.

Speak to a Mortgage Specialist 24/7: +1 (845) 583-0830

Email: [email protected] 

Visit: www.americamortgages.com

We’re here to help you explore your options and take advantage of one of the best real estate lending environments in years.

Q&A: Tax-Smart Strategies for U.S. Real Estate Investors (Non-Resident)

In the exclusive webinar, Tax-Smart Strategies for U.S. Real Estate Investors (Non-Resident), international property investors gained a comprehensive overview of how to structure their U.S. real estate investments for maximum tax efficiency and long-term growth.

Robert Chadwick, CEO of America Mortgages, and Thomas Carden, International Tax Director at American International Tax Advisers, provided practical, experience-driven insights on how non-resident investors can use the U.S. tax code to their advantage—reducing withholding tax, maximizing deductions like depreciation, and utilizing refinancing and 1031 exchanges to defer or avoid capital gains.

This session also addressed common investor questions, including the benefits of using an LLC, navigating state-specific tax implications, and how to qualify for U.S. mortgages while living abroad.

Thomas Carden (TC) and Robert Chadwick (RC) answered a variety of questions, providing clear and concise responses to help investors make informed decisions, with remarks edited for clarity and brevity.

Q: Are some states better for rental properties than others?

TC: Yes. State taxation and regulation vary widely. For instance, California and New York impose high individual tax rates and have restrictive deduction policies. In contrast, Florida and Texas offer no state income tax and business-friendly environments. Nevada is also attractive for its favorable tax laws and strong inward migration. Thomas personally prefers investing in Texas (e.g., San Antonio) and Nevada (Las Vegas).

Q: What happens if I want to sell my property?

TC: Selling a U.S. rental property may lead to capital gains tax (typically 15–20%) and depreciation recapture. A more tax-efficient strategy is to refinance and extract equity while retaining ownership. Alternatively, a Section 1031 Exchange lets you defer all taxes if proceeds are reinvested in another qualifying property.

Q: I’m already pre-approved for a loan with you guys. Any help in finding a property to buy in the USA?

RC: Yes. America Mortgages now partners with NewZip, a concierge real estate platform that connects foreign buyers with top realtors. Buyers who use NewZip and America Mortgages receive a 0.50% rebate (usable for closing costs, rate buy-down, or as cash back at closing).

Q: Can you handle both U.S. and Canada cross-border taxation?

TC: Yes, in partnership. While U.S. taxation is handled in-house, Thomas’s firm works with a specialized Canadian tax attorney to help clients with dual filings, residency complications, and cross-border compliance.

Q: What do you think of Houston multifamily rental and San Antonio multifamily rental?

TC and RC: Thomas favors Houston for its strong rental market and Texas’s favorable tax laws. Robert notes that Canadian investors can typically access up to 75% LTV for 1–4 unit properties, allowing substantial leverage. With 1 million CAD, an investor might acquire up to 3 million USD in real estate across multiple properties.

Q: The cost of doing a tax return in the U.S. each year?

TC: The typical cost is around $600 per year for a non-resident owning a single rental property. Complexity and the number of states involved may increase fees.

Q: Is it preferable to hold property in an LLC?

TC: Not primarily for tax savings. While an LLC offers limited liability protection and potential estate planning advantages, the income still flows through to the owner. An LLC becomes more beneficial when owning multiple properties to isolate legal liability.

Q: For the Rental Coverage Program, how do I show a property’s projected rental income? Will AM help?

RC: Yes. If there is an existing lease, that’s used. If not, an appraisal with a rental schedule is obtained to estimate market rent. This value is used for qualification. The property does not need to be tenanted at closing.

Q: Tips to manage taxes if I own multiple U.S. properties?

TC: Work with a qualified U.S. tax advisor and property manager. Some expenses (like travel to visit properties) are deductible. Each state may require separate tax filings. A good property manager provides detailed accounting, which makes tax compliance and optimization easier.

Q: Can I reduce the tax I pay on rental income?

TC: Yes. Depreciation, mortgage interest, travel, repairs, and other expenses can significantly reduce or even eliminate taxable income. With planning, investors often end up cash flow positive and tax flow negative, meaning they earn income but pay no U.S. tax.

Q: What happens to taxes when I sell my U.S. property? Do I have to pay capital gains tax?

TC: Yes. You’ll face capital gains tax and must recapture depreciation. However, using a 1031 Exchange allows you to defer taxes entirely by reinvesting in a similar property. Alternatively, refinancing provides tax-free access to equity.

Q: Will owning U.S. property in an LLC lower my taxes?

TC: Usually no. The LLC structure offers legal liability protection but does not inherently lower taxes unless estate planning or special structuring is involved.

Q: I’m self-employed in Dubai. What documents do I need to get started with a mortgage in the U.S.?

RC:Required documents include:

  • Completed loan application (online)
  • Passport
  • 2 months of foreign bank statements showing down payment and closing costs
    No U.S. travel or credit history is needed. Pre-approval is typically issued within 24–72 hours.

Q: Can I apply for a mortgage jointly with my spouse if only one of us has income?

RC:Yes. You can apply jointly or have one spouse on the mortgage and both on the title. If using an LLC, both spouses can be listed as members depending on ownership and lender requirements

Q&A: Macro Matters – What’s Driving your Dollar

Macro Matters | Investing In Mortgage Loans

In the exclusive webinar, “Macro Matters – What’s Driving Your Dollar,” Donald Klip (DK), Co-founder of America Mortgages, and Geo Chen (GC), author of the macro newsletter Fidenza Macro, shared timely insights into the current global macro landscape—including inflation, gold, crypto, U.S. dollar trends, and how they tie into U.S. real estate investing.

For those who missed it, the recording is available here.

During the session, DK and GC addressed key questions around market positioning, geopolitical risk, portfolio allocation for the second half of 2025, and why U.S. real estate continues to stand out—especially for international investors seeking yield, stability, and long-term upside.

Remarks have been edited for clarity and brevity.

What macro signals are you watching that could shift gold’s current trend?

GC: A major fiscal tightening movement in the U.S.—like Congress significantly reducing the budget deficit—could pull gold back. Another short-term factor would be a shift in bond issuance composition (favoring short over long-term debt), triggering a bond rally and a temporary dip in gold. But with central banks accumulating gold, any pullback is likely to be brief.

How should investors think about geopolitical risk, especially U.S.–China tensions, in macro positioning?

GC: Gold has proven to be a strong geopolitical hedge, rallying on tariff headlines. The key today is agility—investors must be tactical, taking profits during rallies and holding cash to buy dips. It’s also time to explore markets beyond the U.S., with countries like Argentina, Poland, and Greece offering overlooked opportunities.

What’s your outlook on the U.S. dollar, and how does it shape your views on emerging markets?

GC: We’re at the start of a multi-year dollar bear market. U.S. assets—both equities and bonds—are losing appeal, while international markets have more fiscal and political capacity to grow. Expect capital to rotate into EM equities in Asia and LatAm, which are primed for long-term outperformance.

How do you see the relationship between gold and crypto evolving? Are they competing hedges or serving specific investor needs?

GC: They’re not interchangeable. Gold is time-tested; Bitcoin is still risk-on. Bitcoin’s institutional adoption is increasing, which may reduce volatility, but it remains tied to equity market cycles. Each responds to different macro triggers and serves distinct investor appetites.

What is your recommended portfolio asset allocation going into 2H25? And where would U.S. real estate sit within the asset classes?

GC: Gold and EM equities should be key components. Historically, gold has outperformed equities during past bull cycles.

DK: U.S. residential real estate is a strong hard asset play. With tight supply and rising rental yields in many states, it’s arguably stronger now than before. We’re particularly bullish, especially given its comparative resilience to inflation and institutional interest.

Do you see investor crowding in AI or tech names as a signal of strength or fragility?

GC: Crowding has lessened since April, but valuations remain stretched. This leaves limited buffer against economic or earnings shocks.

DK: Despite the froth, institutional investors are allocating to AI due to its outsized potential. Many underestimate just how transformative AI will be—it’s still early days.

How do you see U.S. real estate performing if the dollar weakens further? Is that good or bad for international buyers?

DK: A weaker dollar is a buying opportunity for foreign investors. Yes, it affects rental income repatriation, but the real focus should be on asset fundamentals—yield, scarcity, long-term upside. U.S. property remains one of the best hard assets globally.

Where would GMG see as the top 1–2 U.S. real estate places to put money into?

DK: Texas, Ohio, Georgia, and Tennessee top the list. These states are benefiting from major infrastructure projects, EV factory developments, and demographic migration. Atlanta, in particular, offers plug-and-play appeal and institutional-grade opportunities.

U.S. real estate versus other countries like U.K., SG – how attractive is it?

DK: U.S. real estate offers the best rental yields among G20 nations. Singapore and the UK are traditionally store-of-value markets with limited cash flow upside. For investors focused on yield and inflation protection, the U.S. remains unmatched.

Why Global Investors Are Choosing to Invest in U.S. Property Remotely

Investing In Mortgage Loans

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

Our turnkey approach includes:

✅ Remote mortgage approvals and closing through America Mortgages encrypted application portal. 
✅ Fast bridge loans: we funded $22M through our AM Bridge+ program in 5 days
✅ Realtor matching across all 50 states
✅ Property managers, insurance providers, LLC and tax specialists, and money transfer partners to support your investment journey

You don’t need to be in the U.S., have a U.S. credit score, or even visit the property in person. 

You just need the right team.

Contact us today for a free consultation and explore our custom mortgage solutions for remote investors:

Speak to a Mortgage Specialist 24/7: +1 (845) 583-0830

Email: [email protected] 

Learn More: www.americamortgages.com

为什么全球投资者选择远程投资美国房地产

根据全美房地产经纪人协会（NAR）的数据显示，2024年，非美国居民（即居住在美国以外的外国人）共投资了194亿美元于美国住宅。这意味着将近5万套房产被居住在海外的投资者购买。

为什么？因为即使在不断变化的市场中，美国租赁房地产依然是建立财富和获得被动收入最稳定的方式之一。

事实上，2025年已初步显现为美国最具竞争力的租赁市场之一。

根据RentCafe的最新报告，全国租赁竞争指数（RCI）达到了75.7，明确属于“高需求”类别。

而且，这次不仅限于传统热门城市。

像克利夫兰、明尼阿波利斯和堪萨斯州的欧弗兰帕克等城市正在成为热门租赁市场，其毛租金回报率在6%至8%之间。

甚至芝加哥郊区的竞争力现在也超过了迈阿密，这得益于住房短缺和强劲的就业增长。

但挑战在于：许多国际投资者不知道从哪里开始或如何参与竞争。

这正是我们可以提供帮助的地方。

在America Mortgages，我们专注于帮助非美国居民和居住海外的美国公民远程获得美国房贷，无需美国信用记录或个人收入（贷款资格基于房产的现金流表现）。

我们的房贷解决方案专为国际投资者设计：

✅ 无需美国信用评分
✅ 可接受海外收入（如有需要）
✅ 可使用租金收入作为贷款资格依据，而非个人收入
✅ 所有50个州提供最高80%的贷款成数（LTV）
✅ 贷款金额从10万美元起

我们的“一站式”服务包括：

✅ 通过America Mortgages加密平台远程批准贷款并完成交易
✅ 快速过桥贷款：我们通过AM Bridge+项目在5天内发放了2200万美元
✅ 在所有50个州匹配值得信赖的房产经纪人
✅ 提供房产管理、保险、LLC设立、税务顾问和资金转移等全面支持服务

您无需身在美国、拥有美国信用评分，甚至无需亲自到访房产。

您只需要一个懂您需求的团队。

立即联系我们，获取免费的投资咨询，了解我们专为远程投资者定制的房贷方案：

📞 24小时咨询专线：+1 (845) 583-0830
📧 电子邮箱：[email protected]
🌐 了解更多：www.americamortgages.com

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:

📞 Habla con un especialista hipotecario 24/7: +1 (845) 583-0830
📧 Correo electrónico: [email protected]
🌐 Más información: www.americamortgages.com

[Super Rare] New Boston condos for sale – only 13 units left!

New Boston condos | Non Resident Mortgage USA

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.

Contact us today to learn more.

Call us 24 hours a day, 7 days a week at +1 (845) 583-0830.

Schedule a meeting with one of our loan officers through our calendar link.

📧 [email protected]

🌐 www.americamortgages.com

$22M in 5 Days? Why Smart Investors Are Turning to U.S. Bridge Loans

Mortgage Bridge Loans

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.

Read the full press release here.

The AM Bridge+ Loan Program

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.

Key Loan Features and Requirements:

  • Income: No personal income required
  • Credit: No U.S. credit required
  • Eligible Loan Types: Purchase, refinance, cash-out refinance
  • Term Lengths: 12–24 months
  • Loan Amounts: US$300,000 to US$100 million ++
  • 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. 

Call us 24 hours a day, 7 days a week at +1 (845) 583-0830

Schedule a meeting with one of our loan officers through our calendar link.

📧 [email protected]

🌐 www.americamortgages.com

¿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.

Lee el comunicado completo aquí.

Programa de préstamo AM Bridge+

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.

📞 Llámanos las 24 horas, los 7 días de la semana: +1 (845) 583-0830
📅 Agenda una reunión con uno de nuestros asesores a través de nuestro calendario
📧 Escríbenos a: [email protected]
🌐 Visítanos en: www.americamortgages.com

5天融资2200万美元？聪明的投资者为何纷纷选择美国桥梁贷款

在快节奏的全球房地产投资世界中，时机就是一切。 无论您是抓住新的投资机会、为到期贷款进行再融资，还是释放现有资产的价值，能否快速获取资金往往决定了一笔交易的成败。这正是桥梁贷款发挥作用的地方。

在 America Mortgages（美国抵押贷款公司），我们的团队专注于为非美国居民投资者提供快捷、透明且灵活的美国桥梁融资服务。

美国桥梁贷款市场概况

根据**美国私人贷款人协会（AAPL）**发布的最新报告，截至2024年8月，私人贷款机构完成了 3,736笔桥梁贷款交易，总放款金额接近20亿美元。这表明美国房地产市场对短期融资解决方案的强劲需求，尤其是在需要快速、灵活获取资金的投资者群体中。

America Mortgages 的独特之处

America Mortgages 除了拥有其母公司 Global Mortgage Group（总部位于新加坡的高净值房地产融资公司） 提供的国际融资渠道外，还具备深厚的专业经验，专门服务非美国居民的房地产投资者。这种专业能力，加上独特的资金来源，使我们在资产支持贷款领域脱颖而出。

什么是桥梁贷款？

桥梁贷款是一种短期融资工具，旨在填补资金需求与长期融资或流动性之间的空档。在房地产领域中，它通常用于：

  • 释放现有物业的可用净值
  • 为紧急购置或业务资金需求提供资金
  • 为即将到期的贷款进行再融资
  • 在获得长期融资前先行购置房产

桥梁贷款通常以借款人在美国的房地产作为抵押，并且相比传统按揭产品更快速安排完成。

案例分析：2200万美元的美国桥梁贷款，5天内完成放款

在最近的一个案例中，America Mortgages 为一位来自悉尼的澳大利亚投资者成功完成了两笔总额为 2200万美元 的资产支持型桥梁贷款。该投资者在十多年前购买了位于加州圣地亚哥的房产，作为长期投资。

随着房产价值翻倍，该投资者发现了一个时间敏感的商业机会，并希望尽快释放资产净值。

“我们的团队意识到交易的紧迫性与时间限制，仅用5个工作日就协调完成了托管、产权、估价、保险及资金发放，”America Mortgages 首席执行官 Robert Chadwick 表示。

此交易不仅展示了我们贷款团队的高效执行力，也体现了我们对国际房地产投资者独特需求的深刻理解。

点击此处查看完整新闻稿。

AM Bridge+ 桥梁贷款计划

America Mortgages Bridge+ 贷款计划 提供快速的资金获取、具竞争力的利率和高效的审批流程，专为国际房地产投资者量身定制。

贷款要点与资格条件：

  • 收入要求： 无需提供个人收入
  • 信用要求： 无需美国信用记录
  • 可贷款类型： 购买、再融资、套现再融资
  • 贷款期限： 12–24个月
  • 贷款金额： 美金 300,000 至 1亿以上
  • 还款选项： 按月付息、只付利息或利息累积支付
  • 贷款成数（LTV）： 最高可达75%
  • 适用范围： 覆盖全美50个州
  • 审核标准： 完全基于房产价值
  • 还款方式： 只付利息
  • 放款速度： 快至5–14天内完成

无论您是希望释放美国现有资产的流动性，还是抓住新的投资机会，AM Bridge+ 都是为国际投资者打造的高效、简便融资工具。

准备好释放您美国房产的潜在价值了吗？

桥梁融资可以成为在关键时刻释放资金的有效工具。如果您是一位拥有美国房地产的全球投资者，America Mortgages 团队随时准备协助您制定适合您时间表和目标的融资方案。

欢迎立即联系我们，了解更多关于我们为国际客户提供的美国桥梁贷款产品。

📞 全天候服务热线：+1 (845) 583-0830
📅 通过我们的预约链接安排与贷款专员会面
📧 邮箱：[email protected]
🌐 官网：www.americamortgages.com

Turnkey Solution for U.S. Property Investors — Regardless of Their Passport

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.

对海外投资者来说，购买美国房产不应感觉遥不可及或难以应对

通过正确的指导和合理的结构，获得美国房贷不仅是可能的，而且比您想象的要容易。这正是我们为何打造了一套完整的“交钥匙”解决方案，专为外国国籍人士和美国海外侨民量身定制，让您可以在每一个环节都充满信心、轻松、透明，并获得经验丰富的专业团队的全程支持。

流畅无阻的贷款体验

作为一家直贷机构和超级经纪平台，America Mortgages 专注于为非美国居民（包括外国人和美国侨民）提供市场利率的美国房贷。事实上，这就是我们唯一的业务，而且我们深信，没有人比我们做得更好。无论是首次购房，还是作为多元化全球投资组合的一部分，拥有可行的固定利率贷款方案对全球投资者的成功至关重要。从免费、无义务的预批准，到成功完成交易，我们的团队全程内部处理，无需第三方参与，没有混乱，只有清晰沟通和快速响应。

为全球买家设计的贷款方案

如果您曾尝试向大型美国银行申请贷款，您会立刻明白 America Mortgages 为什么存在。我们的贷款方案专为绕过传统银行限制而设计。如果您没有美国护照，您无需美国信用记录或美国生活痕迹。如果您是美国侨民，虽然需要美国信用记录，但无需 W2 表，且允许使用海外收入。

AM 租金覆盖+ 贷款

这是我们最受欢迎的投资者贷款项目，采用“常识型”审批流程。我们根据房产的租金收入而非您的个人收入进行审批。如果租金能覆盖月供，您就可以获批——就是这么简单。购买时房产必须已有租户吗？不需要。如果房产空置，我们将通过估价报告确定市场租金。

关键信息：

  • 房产类型：1–4 单位住宅
  • 最低贷款额：10万美元
  • 贷款成数（LTV）：购房最高 80%，现金再融资最高 70%
  • 审批依据：房产租金收入，无需个人收入
  • 信用要求：无需美国信用记录（适用于外国人）
  • 放款时间：快速，通常为 30–45 天

AM 第二住宅贷款计划

若房产用于部分时间自住或家庭成员长期使用，即视为第二住宅。该类贷款根据申请人的个人收入审批。

关键信息：

  • 房产类型：1–4 单位住宅
  • 最低贷款额：20万美元
  • 贷款成数：购房最高 80%，现金再融资最高 75%
  • 审批依据：申请人个人收入，海外收入可接受
  • 信用要求：无需美国信用记录
  • 放款时间：快速，通常为 30–45 天

如何符合投资房产贷款资格？

America Mortgages 采用“常识型”审批方法。该贷款结构旨在帮助外国人和美国侨民，侧重于房产的租金收入，而非传统的美国收入文件，从而简化贷款资格审核。

我们在美国 50 个州均提供贷款，贷款额从 10 万美元起，LTV 最高可达 80%。

值得信赖的合作伙伴，简化购房流程

投资美国房地产不仅仅是贷款问题，还涉及方方面面。我们与各领域专家合作，确保您整个投资旅程顺利无忧：

  • 保险服务：合作伙伴 Steadily 专为非居民投资者提供租赁房产保险，覆盖全面，价格合理。
  • 物业管理：我们与经验丰富的物业管理公司合作，如 Austplan Management 和 Bridgewater，提供从租户筛选到维修租金收取的全方位管理服务。
  • 设立 LLC：合作伙伴 Nobility Consulting 专注为国际投资者设立 LLC，助您实现税务效率、资产保护与遗产规划。
  • 资金转移：合作伙伴 Halo Financial 提供安全、划算的外币汇款服务，费用低于传统银行，汇率优于市场。
  • 美国税务：税务合作方 AITAX 专为外国人和美国侨民提供合规及税务优化服务。
  • 寻找合适房产：合作方 Newzip 帮助国际买家匹配经验丰富、适合投资的美国本地经纪人。通过 Newzip 经纪人购房还可享受购房金额 0.5% 的过户费用返还。

现在就开始行动！

与 America Mortgages 合作，您不仅能获得贷款，更是获得一位了解海外投资者需求的伙伴。让我们为您打造专属融资方案，助您在美国房地产市场实现财富增长。

无论您要在佛罗里达购买单户出租房，还是在德州投资多单元公寓，我们的团队都将全程协助。

📞 24/7 联系电话：+1 (845) 583-0830
📧 电邮：[email protected]
🌐 网站：www.americamortgages.com

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.

📞 Llámanos 24/7: +1 (845) 583-0830
📧 Correo electrónico: [email protected]
🌐 Sitio web: www.americamortgages.com

Why the Trade War Is Making U.S. Real Estate the Hottest Investment of 2025

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.

The logic is simple: lock in today’s pricing, refinance when rates drop.

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.

Watch our recent webinar

If you missed it, watch the full webinar here.

Want to explore your options or get pre-approved?

Contact us today, and let’s walk you through a seamless mortgage journey. 

Speak to a Mortgage Specialist 24/7: +1 (845) 583-0830

Email: [email protected]

Learn More: www.americamortgages.com

Your Top Questions Answered

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.

Read the full Q&A here.