Author: Premela R.

No Barriers, Just Opportunities: Take Advantage of Expanded Cash Flow Loans

Imagine investing in a U.S. property market where home prices in cities like Indianapolis, Hartford, and Providence are projected to climb 5% in 2025 or securing a cash-flowing rental income property in Buffalo, New York—named the hottest housing market for 2025 by the New York Post. These trends confirm that U.S. real estate remains a leading choice for achieving growth and securing long-term wealth.

With the Expanded Cash Flow Loan Program, qualifying as a foreign national or U.S. expat is seamless. By focusing on your property’s rental income, this program simplifies the process and eliminates the need for extensive documentation.

Investing Made Easy with Expanded Cash Flow Loans

The Expanded Cash Flow Loan focuses on the property’s cash flow rather than the investor’s personal income. Designed specifically for foreign nationals and expats, this program removes traditional barriers, using common-sense underwriting to prioritize the property’s income potential and streamline the qualification process.

Here’s how it works:

  • No tax returns or pay statements are required
  • Close quickly on cash-flow-positive properties in competitive markets
  • Scale your portfolio without navigating rigid lending requirements

Key Features:

  • Loan amounts ranging from $55,000 to $2M
  • Up to 80% LTV for U.S. Citizens, 75% for Foreign Nationals
  • Interest-only option fixed for 10 years, boosting rental yields
  • Available exclusively to U.S. entities (such as an LLC)
  • Proof of non-encumbered reserve payments required (6-12 months)
  • Fast, hassle-free closing times

Opportunities in Key U.S. Markets

According to the U.S. Bureau of Economic Analysis, U.S. GDP grew by 2.8% in Q3 2024, reflecting a strong economic foundation for real estate investments. Buffalo, named the hottest housing market for 2025 by the New York Post, and other cities in the Midwest and Northeast are seeing steady demand and rising property values.

The Expanded Cash Flow Loan enables investors to capitalize on these opportunities by offering fast and flexible financing tailored to rental income potential.

Make Your Move

Home prices are expected to rise, and rental demand is surging—don’t miss this window of opportunity. The Expanded Cash Flow Loan simplifies the process, making it easier than ever to secure financing tailored to your goals.

If you’re considering investing in U.S. real estate, the Expanded Cash Flow Loan is designed to simplify the process, making it easier to secure financing based on your property’s rental income. At America Mortgages, we’re here to guide you through the process with financing solutions tailored to your needs.

Start building your U.S. property portfolio today—our team is ready to assist!

Imagina invertir en el mercado inmobiliario de EE. UU., donde se proyecta que los precios de las viviendas en ciudades como Indianápolis, Hartford y Providence aumenten un 5 % en 2025, o asegurar una propiedad de ingresos por alquiler en Buffalo, Nueva York, nombrado el mercado inmobiliario más caliente para 2025 por el New York Post. Estas tendencias confirman que el mercado inmobiliario de EE. UU. sigue siendo una opción destacada para lograr crecimiento y asegurar riqueza a largo plazo.

Con el programa de préstamos Expanded Cash Flow Loan, calificar como extranjero o expatriado estadounidense es sencillo. Al enfocarse en los ingresos por alquiler de la propiedad, este programa simplifica el proceso y elimina la necesidad de documentación extensa.

Invertir con Facilidad con los Préstamos Expanded Cash Flow

El préstamo Expanded Cash Flow se centra en el flujo de caja de la propiedad en lugar de los ingresos personales del inversor. Diseñado específicamente para extranjeros y expatriados, este programa elimina barreras tradicionales al priorizar el potencial de ingresos de la propiedad y simplificar el proceso de calificación.

Cómo Funciona:

  • No se requieren declaraciones de impuestos ni comprobantes de ingresos.
  • Cierre rápido en propiedades con flujo de caja positivo en mercados competitivos.
  • Expanda su portafolio sin navegar por requisitos estrictos de préstamos.

Características Clave:

  • Montos de préstamos desde $55,000 hasta $2M.
  • Hasta el 80 % de LTV para ciudadanos estadounidenses, 75 % para extranjeros.
  • Opción de solo intereses fija por 10 años, maximizando el rendimiento de los alquileres.
  • Exclusivamente disponible para entidades de EE. UU. (como una LLC).
  • Se requiere prueba de reservas no gravadas (6-12 meses).
  • Tiempos de cierre rápidos y sin complicaciones.

Oportunidades en Mercados Clave de EE. UU. Según el U.S. Bureau of Economic Analysis, el PIB de EE. UU. creció un 2.8 % en el tercer trimestre de 2024, reflejando una base económica sólida para las inversiones inmobiliarias. Buffalo, nombrado el mercado inmobiliario más atractivo para 2025 por el New York Post, y otras ciudades del Medio Oeste y el Noreste muestran una demanda constante y un aumento en los valores de las propiedades.

Actúe Ahora Con precios de viviendas al alza y una creciente demanda de alquiler, no pierda esta oportunidad. El Expanded Cash Flow Loan simplifica el proceso, facilitando más que nunca asegurar un financiamiento adaptado a sus metas.

Si está considerando invertir en bienes raíces en EE. UU., este programa está diseñado para simplificar el proceso. En America Mortgages, estamos aquí para guiarlo con soluciones de financiamiento personalizadas.

Comience hoy a construir su portafolio inmobiliario en EE. UU.—nuestro equipo está listo para ayudarle.

想象一下，在美国房产市场投资，比如印第安纳波利斯、哈特福德和普罗维登斯等城市，预计2025年房价将上涨5%；或者在纽约州布法罗购买一处有现金流的出租房产——根据《纽约邮报》，布法罗被评为2025年最热门的房地产市场。这些趋势表明，美国房地产仍然是实现增长和获得长期财富的首选。

通过“扩展现金流贷款计划”，作为外国人或美国侨民申请贷款变得无比简单。该计划关注您的房产租金收入，简化流程，省去繁琐的文件要求。

轻松投资：扩展现金流贷款 扩展现金流贷款关注房产的现金流，而非投资者的个人收入。专为外国人和侨民设计，该计划采用常识性核准方式，优先考虑房产的收入潜力，简化资格认证流程。

具体内容如下：

  • 无需提供税务申报单或工资单。
  • 快速完成在竞争市场中现金流为正的房产交易。
  • 无需应对严格的贷款要求即可扩展投资组合。

关键特点：

  • 贷款金额从55,000美元到200万美元不等。
  • 美国公民最高可达80%贷款比例，外国人最高可达75%。
  • 提供固定10年的只付利息选项，提高租金回报。
  • 专供美国实体（如LLC）。
  • 需要提供无负担储备金支付证明（6-12个月）。
  • 快速、无压力的完成流程。

美国主要市场的投资机会 根据美国经济分析局的数据显示，2024年第三季度美国GDP增长2.8%，为房地产投资提供了强有力的经济基础。《纽约邮报》评选的2025年最热门房地产市场布法罗，以及中西部和东北部的其他城市，需求稳定，房产价值持续上升。

抓住时机 房价预期上涨，租赁需求激增——不要错过这个投资窗口。“扩展现金流贷款计划”简化了流程，使您更容易获得适合目标的融资。

如果您正在考虑投资美国房地产，“扩展现金流贷款计划”旨在简化流程，基于房产租金收入帮助您更轻松获得融资。America Mortgages在此为您提供量身定制的融资解决方案，协助您完成整个过程。

立即开始构建您的美国房地产投资组合——我们的团队随时为您提供帮助！

Here’s a sneak peak into an Exciting 2025

As we wrap up 2024, we once again want to express our sincere gratitude for your trust and partnership throughout the year. It has been a pleasure working with you, and we are incredibly thankful for the opportunities we’ve shared.

Looking ahead to 2025, we are excited for what’s to come – a year full of new and expanded loan programs, boundless opportunities and new possibilities in the U.S. real estate market. 

We remain committed to supporting you every step of the way, ensuring continued growth and success. 

Wishing you and your loved ones a joyful holiday season and a prosperous and healthy New Year. May the best of 2024 be the worst of 2025!

What’s Ahead for U.S. Housing in 2025?

The National Association of Realtors (NAR) has identified 10 metro areas it expects to be hot spots in 2025. These markets were chosen based on factors like affordable housing, job growth, and migration patterns that point to future market success.

According to Lawrence Yun, Chief Economist at NAR, “These markets share key characteristics such as affordable inventory, the potential for unlocking lower mortgage rates, income growth among young adults, and population growth in specific areas.”

One major trend NAR highlighted is the number of “locked-in” homeowners. These are people who refinanced at low rates and are reluctant to sell. Cities with fewer of these homeowners are likely to see more properties listed, giving buyers better options.

Top Housing Markets for 2025 

Here’s a look at the 10 metro areas expected to perform well in 2025:

1. Boston-Cambridge-Newton, Massachusetts-New Hampshire

The Boston metro area has an average home price of $694,494. While it’s higher than the national average, stabilizing mortgage rates and a supply of starter homes make it attractive. The area’s strong economy and educational hubs also draw many first-time buyers.

2. Charlotte-Concord-Gastonia, North Carolina-South Carolina

Charlotte has seen a 10% increase in jobs over the last five years. Affordable homes—43% priced below $324,000—make it a popular choice for families and first-time buyers.

3. Grand Rapids-Kentwood, Michigan

Grand Rapids is one of the most affordable markets, with homes averaging $271,960. With fewer locked-in homeowners, the area is likely to see more houses for sale in 2025.

4. Greenville-Anderson, South Carolina

Greenville offers homes averaging $307,315. With a quick turnover rate and many starter homes available, this market appeals to young professionals and families.

5. Hartford-East-Hartford-Middletown, Connecticut

Hartford’s average home price of $178,696 is one of the lowest in the country. Mortgage rates are also among the lowest, making it a highly affordable option for buyers.

6. Indianapolis-Carmel-Anderson, Indiana

Indianapolis has a strong job market and affordable homes, with 42% priced under $236,000. The city is expected to see more listings as mortgage rates stabilize.

7. Kansas City, Missouri-Kansas

Kansas City offers affordability with an average home price of $233,826. The combination of competitive mortgage rates and a growing economy makes it a top market.

8. Knoxville, Tennessee

Knoxville attracts newcomers, with 50% choosing to buy homes after relocating. Homes average $350,614, making this a great option for families looking to settle.

9. Phoenix-Mesa-Chandler, Arizona

Phoenix continues to be a top destination for those moving from high-cost states. The average home price is $414,977, and strong job growth keeps this market in demand.

10. San Antonio-New Braunfels, Texas

San Antonio remains affordable, with homes averaging $250,834. The city has seen strong job growth and continues to attract new residents, keeping its housing market active.

Tailored Solutions for Investors

For those considering investment properties in these promising markets, America Mortgages offers the Rental Coverage+ Loan Program. This program simplifies the loan process by qualifying investors based on a property’s rental income rather than personal income. It’s a practical approach designed for investment properties.

Key Features: 

  • Property Type: 1-4 unit residential properties
  • Minimum Loan Amount: $100,000 (LLC) or $150,000 (personal name)
  • Loan-to-Value: Up to 80% for purchases, 70% for cash-out refinances
  • Underwriting: Based on the property’s rental income, not personal income
  • Credit: No U.S. credit required
  • Closing Time: 30-45 days

This program is perfect for investors looking for a straightforward, hassle-free loan experience.

Looking Forward

NAR expects mortgage rates to stabilize around 6% in 2025. This, combined with job growth and an increase in available homes, will create more opportunities for buyers and investors alike.

If you’re considering buying a home, these markets provide exciting opportunities. Let America Mortgages guide you through financing options tailored to your needs. Call us at +1 (845) 583-0830 for immediate support, email us at [email protected], or visit www.americamortgages.com to explore your options. Your investment journey begins here!

2024 Wrap-Up: What to Expect in 2025 [U.S. Real Estate]

As 2024 comes to an end, it’s the perfect moment to reflect on the year’s achievements and explore what lies ahead in the evolving U.S. real estate market. With a new Presidential administration, creative trends in mortgage lending, expected low rates and unique investment property opportunities, 2025 is shaping up to be an exciting year for America Mortgages’ investors. Here’s a breakdown of what to expect and the latest updates from America Mortgages.

What’s the Market Going to Be Like in 2025?

The U.S. housing market is evolving, with key predictions shaping the year ahead:

  1. Mortgage Rates to Decrease and StabilizeExperts anticipate mortgage rates will stabilize around 5.5% to 6.0% by late 2025. According to HousingWire, this stability will make financing more predictable, helping buyers plan with greater confidence.
  2. Demand for Affordable HousingAffordable homes will remain a top priority, especially in cities like Cleveland, Kansas City, and Tampa. These areas, highlighted by Yahoo Finance, are thriving thanks to lower home prices and expanding job markets.
  3. Regional Price VariationsWhile high-cost cities may see slower price growth, regions with strong job creation and infrastructure improvements could experience rising demand and higher prices. HousingWire points out that these regional shifts will be significant.

New Loan Programs: Asset-Backed Bridge & Rental Coverage+

This year, we launched two exciting programs designed to provide international investors with flexible and efficient financing options:

AM Asset-Backed Bridge Loan Program

Focused on the property’s value rather than personal income, credit, or cash flow, this program offers quick access to capital with competitive rates and streamlined processing.

Key Features:

  • Income: No personal income required
  • Credit: No U.S. credit required
  • Loan Types: Purchase, refinance, and cash-out refinance
  • Terms: 12-24 months
  • Loan Amounts: $300,000 to $100 million
  • Qualification: Property value only
  • Loan-to-Value: Up to 75%
  • Closing Time: 5-14 days

America Mortgages Rental Coverage+ Loan Program

This program allows investors to qualify based on the property’s rental income, making it a hassle-free and straightforward process. It’s pure common sense and how all investment properties should be underwritten!

Key Features:

  • Property Type: 1-4 unit residential properties
  • Minimum Loan Amount: $150,000 (personal name) or $100,000 (LLC)
  • Loan-to-Value: Up to 80% for purchase, 70% for cash-out
  • Underwriting: Based on the property’s rental income, not personal income
  • Credit: No U.S. credit required
  • Closing Time: 30-45 days

New Collaborations: Bridgewater International

In 2024, we proudly introduced our partnership with Bridgewater International, a trusted property management company specializing in U.S. real estate investments for international clients. Their expertise ensures that your property investments are professionally managed and strategically positioned to deliver maximum returns.

Watch our latest webinar with Bridgewater International here:

This collaboration gives you access to top-tier property care, ensuring peace of mind throughout your ownership journey.

Platform Updates: Launch of Our App

We’re thrilled to announce the America Mortgages App, launching in 2025! This app will simplify your real estate investment process and put everything you need at your fingertips.

Key Features:

  • Seamless Loan Applications: Apply directly from your phone.
  • Real-Time Tracking: Stay updated on your loan status anytime.
  • Tailored Market Updates: Receive personalized insights to guide your decisions.
  • 256-Bit Encryption: Robust security to keep your financial data safe.
  • 24/7 Accessibility: Manage your mortgage and connect with loan officers anytime.

With its user-friendly design, this app will help you manage your investments faster, smarter, and more securely.

Looking Ahead

The U.S. real estate market in 2025 promises steady opportunities, with decreasing mortgage rates and continued demand for homes. America Mortgages is committed to supporting your investment journey with new programs and trusted partnerships designed to help you succeed.

Thank you for trusting us in 2024. Let’s make 2025 even better together!

Start your investment journey today. Schedule a chat with a loan officer anytime, or if you want to speak to someone right away, call us at +1 (845) 583-0830. We’re ready to assist! You can also reach us at [email protected] or visit our website at www.americamortgages.com to get started.

Minimum Loan Amount Reduced to $100,000 — Now Everyone Can Be a U.S. Real Estate Investor!

We’re making U.S. real estate investment more accessible than ever at America Mortgages. With our new reduced mortgage loan minimum of $100,000, owning property in the U.S. is now easier for new and seasoned real estate investors. Whether you’re a foreign national looking to build wealth in the U.S. or a U.S. expat seeking to invest back home, we’ve made it easier to take that first step.

Lower Minimum Loan Amount: $100,000

Lowering the loan minimum to $100,000 opens the door for more investors to access the U.S. real estate market. With a lower loan minimum and a maximum LTV (loan-to-value) of 80%, investors can start by purchasing an entry-level property. For seasoned investors, the newly adjusted loan minimum allows you to diversify your portfolio by investing in multiple properties or regions, spreading risk while maximizing growth potential. 

Our reduced loan minimum breaks down barriers, giving you the opportunity to invest in U.S. real estate without the need for a large initial investment.

Introducing the Rental Coverage+ Loan Program: It’s All About DSCR

Our Rental Coverage+ Loan Program is specifically designed for international investors, this program simplifies the qualification process by focusing on the property’s income potential rather than personal financial details. Instead of focusing on your personal income or credit history, we use Debt Service Coverage Ratio (DSCR) to qualify. We like to call it “common sense underwriting”.

What’s DSCR, and Why Does It Matter?

DSCR evaluates how well the rental income from your property can cover its loan payments. Simply put, the focus is on the property’s income potential, not your personal finances. This approach is ideal for investors looking for a straightforward qualification process and the confidence to grow their portfolio.

In simple terms, if the monthly rental income can cover on a 1:1 ratio the mortgage payment, property taxes and insurance the loan qualifies. It’s that simple. 

Key Features of the Program:

  • Minimum Loan Amount: $100,000 and above for properties held in an LLC. Want to get a mortgage in your personal name? The minimum loan amount is only $150,000.
  • 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 documents required.
  • Credit Requirements: No U.S. credit required.
  • Closing Time: Quick, with closings in 30-45 days.

Why America Mortgages Is Your Best Choice

At America Mortgages, we don’t just offer loans—we deliver solutions. Here’s why we’re the go-to choice for international investors:

  1. We’re a Direct Lender: Being a direct lender means we handle everything in-house, giving you faster approvals and competitive rates.
  2. We’re a Super Broker: With in-house lending, access to over 150 partners, and exclusive expertise in working with international clients, America Mortgages ensures a seamless process tailored to your needs.
  3. We Know International Investors: We work exclusively with international clients, so we understand your challenges and offer tailored solutions to meet your needs.
  4. Your Investment, Simplified: From reduced loan amounts to DSCR-based qualification, we’re making U.S. real estate investing easier and more accessible than ever.

Invest in Any U.S. State—The Choice Is Yours

With our programs available across all 50 states, you have the freedom to invest where it makes the most sense for you. Whether you’re eyeing a booming market or a high-demand rental area, we’ve got you covered.

Your U.S. Real Estate Investment Starts Here

At America Mortgages, we’re here to make the process simple, fast, and secure. Whether you’re new to investing or a seasoned pro, our team is ready to help you achieve your goals with the best financing options available.

Get started on your U.S. real estate investment today. Speak with a loan officer by calling +1 (845) 583-0830, email us at [email protected], or visit www.americamortgages.com to explore your options.



Nuevo Monto de Préstamo Reducido a $100,000: Ahora Todos Pueden Ser Inversionistas de Bienes Raíces en EE. UU.

En America Mortgages, estamos haciendo que la inversión en bienes raíces en EE. UU. sea más accesible que nunca. Con nuestro nuevo monto mínimo de préstamo reducido a $100,000, ser propietario de una propiedad en EE. UU. ya no es exclusivo de grandes inversionistas. Ya sea que seas un extranjero buscando construir riqueza en EE. UU. o un expatriado estadounidense deseando invertir en casa, hemos hecho más fácil dar ese primer paso.

Monto Mínimo de Préstamo Reducido: $100,000

Reducir el monto mínimo del préstamo a $100,000 abre las puertas para que más inversionistas accedan al mercado inmobiliario de EE. UU. Con un requisito de capital menor, puedes comenzar adquiriendo una propiedad de nivel inicial en un mercado emergente, facilitando así tu primer paso. Esto también te permite diversificar tu portafolio invirtiendo en múltiples propiedades o regiones, reduciendo riesgos mientras maximizas el potencial de crecimiento.

Nuestro monto mínimo reducido elimina barreras, ofreciéndote la oportunidad de invertir en bienes raíces en EE. UU. sin necesidad de una inversión inicial grande.

Presentamos el Programa de Préstamos Rental Coverage+: Todo Se Trata del DSCR

Diseñado específicamente para inversionistas internacionales, nuestro Programa de Préstamos Rental Coverage+ simplifica el proceso de calificación al centrarse en el potencial de ingresos de la propiedad en lugar de los detalles financieros personales. En lugar de evaluar tus ingresos personales o historial crediticio, utilizamos la Razón de Cobertura del Servicio de Deuda (DSCR) para calificar.

¿Qué es DSCR y Por Qué Es Importante?

DSCR evalúa qué tan bien los ingresos de alquiler de tu propiedad pueden cubrir los pagos del préstamo. En términos simples, el enfoque está en el potencial de ingresos de la propiedad, no en tus finanzas personales. Este enfoque es ideal para inversionistas que buscan un proceso de calificación sencillo y la confianza para hacer crecer su portafolio.

Características Principales del Programa:

  • Monto Mínimo de Préstamo: $100,000 para propiedades bajo una LLC o $150,000 para propiedades a tu nombre.
  • Relación Préstamo-Valor: Hasta el 80% para compras y 70% para refinanciamientos con retiro de efectivo.
  • Subrogación: Basada en los ingresos por alquiler de la propiedad, sin necesidad de ingresos personales.
  • Requisitos de Crédito: No se requiere crédito en EE. UU.
  • Tiempo de Cierre: Rápido, con cierres en 30-45 días.

Por Qué America Mortgages Es Tu Mejor Elección

En America Mortgages, no solo ofrecemos préstamos: brindamos soluciones. Aquí tienes las razones por las que somos la opción ideal para inversionistas internacionales:

  1. Somos Prestamistas Directos: Como prestamistas directos, manejamos todo internamente, brindándote aprobaciones más rápidas y tasas competitivas.
  2. Somos Súper Brokers: Con préstamos internos, acceso a más de 150 socios y una experiencia exclusiva trabajando con clientes internacionales, garantizamos un proceso fluido adaptado a tus necesidades.
  3. Entendemos a los Inversionistas Internacionales: Trabajamos exclusivamente con clientes internacionales, comprendemos tus desafíos y ofrecemos soluciones personalizadas.

Tu Inversión, Simplificada

Desde montos de préstamo reducidos hasta calificaciones basadas en DSCR, estamos haciendo que la inversión en bienes raíces en EE. UU. sea más fácil y accesible que nunca.

Invierte en Cualquier Estado de EE. UU.—La Elección Es Tuya

Con nuestros programas disponibles en los 50 estados, tienes la libertad de invertir donde más te convenga. Ya sea que busques un mercado en auge o una zona de alta demanda de alquiler, estamos aquí para apoyarte.

Tu Inversión en Bienes Raíces en EE. UU. Comienza Aquí

En America Mortgages, estamos para hacer el proceso simple, rápido y seguro. Ya sea que seas nuevo en la inversión o un profesional experimentado, nuestro equipo está listo para ayudarte a alcanzar tus objetivos con las mejores opciones de financiamiento disponibles.

Comienza tu inversión en bienes raíces en EE. UU. hoy mismo. Habla con un oficial de préstamos llamando al +1 (845) 583-0830, envíanos un correo a [email protected] o visita www.americamortgages.com para explorar tus opciones.

贷款额度降至$100,000：现在人人都能成为美国房地产投资者

在America Mortgages，我们让美国房地产投资变得比以往更加便捷。随着我们新的最低贷款额度降低至$100,000，拥有美国房产不再是大型投资者的专属。不管您是想在美国积累财富的外国投资者，还是希望回国投资的美国侨民，我们让您更容易迈出第一步。

更低的最低贷款额度：$100,000

将最低贷款额度降至$100,000，为更多投资者打开了进入美国房地产市场的大门。通过较小的资本要求，您可以从购买新兴市场的入门级房产开始，这使迈出第一步更加容易。这还允许您通过投资多处房产或不同地区来分散投资组合，降低风险，同时最大化增长潜力。

我们降低的贷款门槛打破了障碍，让您无需大额初始投资就能进入美国房地产市场。

全新推出的Rental Coverage+贷款计划：核心是DSCR

我们的Rental Coverage+贷款计划专为国际投资者设计，通过专注于房产的收入潜力，而非个人财务细节，简化了资格认证过程。与其关注您的个人收入或信用记录，我们通过**债务服务覆盖比率（DSCR）**来进行资格认证。

什么是DSCR，为什么它很重要？

DSCR评估您的房产租金收入是否足以覆盖贷款还款。简单来说，重点在于房产的收入潜力，而不是您的个人财务状况。这种方法非常适合那些希望通过简单的资格认证流程，增强投资组合信心的投资者。

计划的主要特点：

  • 最低贷款额度：通过LLC持有的房产最低$100,000，以个人名义持有的房产最低$150,000。
  • 贷款与价值比（LTV）：购买房产最高可达80%，现金再融资最高可达70%。
  • 审核标准：基于房产租金收入，无需个人收入证明。
  • 信用要求：无需美国信用记录。
  • 审批时间：快速，通常在30-45天内完成。

为什么选择America Mortgages？

在America Mortgages，我们不仅提供贷款，更提供解决方案。以下是国际投资者选择我们的原因：

  1. 我们是直接贷款机构：作为直接贷款机构，我们内部处理所有事务，为您提供更快的审批和更具竞争力的利率。
  2. 我们是超级经纪人：通过内部贷款、超过150家合作伙伴的资源，以及在服务国际客户方面的独特专业知识，我们确保流程顺畅且量身定制。
  3. 我们了解国际投资者：我们专注于国际客户，因此我们理解您的挑战，并提供满足您需求的定制化解决方案。

您的投资，简单化

从降低的贷款额度到基于DSCR的资格认证，我们让美国房地产投资变得前所未有的简单和可及。

在美国任何州投资——选择权在您手中

我们的计划适用于所有50个州，您可以自由选择最适合自己的投资地点。不论您看中的是快速发展的市场还是高需求的租赁区域，我们都能满足您的需求。

您的美国房地产投资，从这里开始

在America Mortgages，我们致力于让整个流程变得简单、快速且安全。无论您是初次投资者还是经验丰富的专业人士，我们的团队都随时准备为您提供最佳融资方案，帮助您实现目标。立即开始您的美国房地产投资。请拨打+1 (845) 583-0830与贷款专员联系，发送电子邮件至[email protected]，或访问www.americamortgages.com了解更多选项。

The Smartest Move You’ll Ever Make: Investing in U.S. Real Estate

If you’ve been sitting on the sidelines, waiting for the perfect moment to jump into the U.S. real estate market, there’s no better time than now to act. The U.S. housing market is bursting with opportunity, and savvy investors are already reaping the rewards. Whether it’s skyrocketing property values, rental demand, or innovative financing options, everything you need to accelerate your wealth-building journey is already set in motion.

Why Savvy Investors Are Turning to U.S. Real Estate

1. Homeowners Are Getting Rich—Fast

Over the past five years, the average U.S. homeowner has seen their wealth grow by $150,000, according to Norada Real Estate Investments. That’s not just luck—that’s the power of owning real estate in one of the most stable markets in the world. Imagine what that kind of appreciation could do for you as an investor.

2. Demand Is at an All-Time High

Housing demand is skyrocketing. In fact, according to Business Times, U.S. home purchase applications have hit their highest levels since February 2024. What does that mean for you? More buyers and renters competing for fewer properties. That’s a recipe for higher rents and faster property appreciation— which means more money in your pocket.

3. Prices Keep Climbing

Think property prices are cooling off? Think again. The FHFA reports a 4.3% year-over-year increase in U.S. home prices, with no signs of slowing down. For investors, this steady growth means your investment won’t just hold its value—it’ll grow consistently over time.

How America Mortgages Makes It Easy to Invest

Investing in U.S. real estate as an international investor or U.S. expat is an incredible opportunity—and it’s easier than you might think. With America Mortgages, you’ve got a partner who knows exactly how to make it happen. From start to finish, we’re here to make the process smooth and straightforward, so you can focus on building your wealth and reaching your goals.

1. Applying Is Incredibly Easy

Forget the paperwork nightmares. America Mortgages has streamlined the mortgage application process to make it as simple as possible. Whether you’re a foreign national or an expat, our process ensures you can apply from anywhere in the world.

2. Exclusive Loan Programs Tailored for Investor

America Mortgages offers Expanded Cash Flow (DSCR) loans that let you qualify for a mortgage based on the rental income of your investment property. No need to worry about personal income or complex tax documents. It’s simple, straightforward, and designed specifically for real estate investors.

3. Qualification Based on Rental Income Alone

Don’t have a U.S. credit score? No problem. With America Mortgages, you can qualify for financing based solely on the rental income of the property you want to buy. This program makes securing funding simple and straightforward, so you can focus on your investment goals.

4. Access to Unbeatable Opportunities

When you work with America Mortgages, you gain access to exclusive U.S. real estate investment opportunities. Our team understands the market inside and out and is ready to connect you with high-yield properties that match your goals.

5. Tailored Support for International Investors

Whether you’re a U.S. expat, foreign national with zero U.S. financial history, America Mortgages specializes in making your investment journey smooth and stress-free. Our expertise eliminates barriers and ensures you get the financing you need—fast.

Why You Should Act Now

The U.S. real estate market is packed with opportunity, but it won’t last forever. Rising property values, growing rental demand, and exclusive financing solutions make this the perfect time to invest.

With America Mortgages, you’ll have everything you need to build wealth and achieve financial freedom. Don’t wait—the perfect moment is now. Take the first step today and let the U.S. real estate market work for you.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. Don’t wait—your investment journey starts now!

Maximize Your U.S. Property Profits with Tailored Tax Planning: America Mortgages Concierge Series for U.S. Property Investors

Are you looking for expert tax planning to optimize your U.S. property investment returns? America Mortgages has partnered with AITAX to provide tailored tax solutions specifically designed for U.S. property investors, regardless of whether you’re a foreign national or a U.S. expat.

As part of our America Mortgages Concierge Series, we aim to make managing U.S. property investments as simple as possible, including handling and filing U.S. taxes. With AITAX’s expertise in tax strategies for foreign investors, you’ll have the guidance needed to navigate U.S. tax laws and maximize your investment’s return.

How do I offset income earned on my rental property? How can I mitigate or avoid capital gains taxes? How do I structure it to be tax-efficient for estate purposes? These are some of the many questions we receive regularly when it comes to U.S. real estate investing. It may seem complicated; however, when you have expert tax advice, you’ll see that the U.S. is a straightforward and beneficial tax country for real estate investments.

America Mortgages and AITAX – Tax Help You Can Count On

At America Mortgages, we aim to be more than just your mortgage provider—we’re here to give you the tools to succeed in U.S. property investing. One of those tools is maximizing your rental yield by minimizing your tax with expert planning, and that’s exactly why we’ve teamed up with AITAX.

AITAX focuses only on tax strategies and preparation for non-U.S. residents. We’ve found that companies whose focus aligns with America Mortgages bring significant value to our clients’ lives and businesses.

Here’s what AITAX offers:

  • Custom Tax Solutions: AITAX creates tax plans that fit your unique situation as an international property investor. They help you follow U.S. tax laws while reducing the amount of tax you pay.
  • Planning Ahead: AITAX helps you plan for the future by showing you ways to save money through tax deductions, credits, and smart strategies.
  • Full Support: Whether you need help filing your taxes or dealing with questions from the government, AITAX will be there to guide you.
  • Easy to Use: Their online tools make it simple to handle your U.S. taxes, no matter where you are in the world.

A Recent Case Study

An investor living in Germany purchased a rental property in Los Angeles using an America Mortgages mortgage. She accessed AITAX through our concierge service, where we connected her with their expert team. AITAX created a tax structure for her that allowed her to not only write off all of the rental income generated from her property last year but also amend her previous year’s return. She ended up not only better understanding the U.S. tax rules but, more importantly, saving thousands of dollars and increasing her rental yield.

Make Taxes Easier with America Mortgages

Whether you’re new to property investing or a seasoned investor, America Mortgages’ concierge services connect you with trusted partners like AITAX to make owning U.S. property simpler and more profitable. AITAX takes care of everything, from planning your taxes to filing them so you can focus on your investments.

Missed Our Webinar on U.S. Property Tax Planning? Watch It Here:

Our team is here to help you 24/7, no matter where you are in the world. Ready to make your U.S. property investment more successful with expert tax help? Get started with America Mortgages and AITAX today!

To schedule a call with a U.S. mortgage specialist, click here. For immediate assistance, call us at +1 (845) 583-0830.

www.americamortgages.com

Property Insurance Made Easy: America Mortgages Concierge Series for U.S. Property Investors

Looking for reliable property insurance tailored to protect your U.S. property investment? America Mortgages has partnered with Steadily Insurance to make it easier and more affordable than ever.

As part of our America Mortgages Concierge Series, we aim to simplify each aspect of owning U.S. property, including securing comprehensive insurance coverage. Steadily’s expertise in solutions for foreign investors and U.S. expats ensures you’ll have the protection you need—without the hassle. This partnership provides peace of mind, allowing you to focus on maximizing your investment with full confidence.

America Mortgages and Steadily Insurance—Comprehensive Protection for Your U.S. Property

Unexpected risks, such as natural disasters or accidental damage, can pose challenges for any property owner. By teaming up with Steadily Insurance, America Mortgages helps overseas investors protect their U.S. real estate with customized coverage that offers strong, reliable security for their assets.

With Steadily, you get:

  • Specialized Coverage: Steadily offers insurance designed specifically for rental property owners. They cater to a range of clients, including overseas investors, with policies suited for rental property protection.
  • Fast and Convenient Service: Steadily emphasizes a streamlined policy setup process, allowing clients to secure coverage quickly. They provide flexibility to adapt policies as property needs change.
  • Transparent and Competitive Pricing: Steadily is known for providing clear, competitive pricing without hidden fees, ensuring clients understand their costs and coverage from the start.
  • User-Friendly Online Access: Steadily offers an accessible online platform for policy management, allowing clients to handle their insurance details remotely, which is beneficial for international investors needing 24/7 access.

A Recent Case Study

A client from Sydney, Australia, recently bought a rental property in Austin, Texas and wanted reliable insurance to cover not only the minimum of what the lender required but also additional insurance to cover all aspects of his property. He accessed Steadily Insurance through our concierge service, and in just a few days, he had a policy in place, which was less expensive and more comprehensive than his existing policy, giving him the protection and peace of mind he was looking for. Steadily’s quick, expert assistance helped him feel secure and confident in managing his U.S. property from afar.

Whether you’re protecting a single investment or a growing portfolio, America Mortgages’ free concierge services help make property ownership more manageable. We’ll connect you with trusted partners like Steadily, ensuring that insurance—and every other aspect of your investment journey—is fully supported.

Missed Our Webinar with Steadily Insurance? Watch It Here:

Our team works around the clock, seven days a week, to support clients in every time zone. Ready to secure your U.S. property investment with the right insurance coverage? Start with America Mortgages today!

To apply for a U.S. mortgage loan, click here. For immediate assistance, call us at +1 (845) 583-0830 or schedule a call at your convenience.

Next week, we’ll discuss U.S. tax planning strategies and why they’re crucial for overseas property owners. Stay tuned!

www.americamortgages.com

Q&A: Investing in NYC Real Estate for Global Clients

In the webinar, “Investing in NYC Real Estate for Global Clients,” Alistar Aunty, Managing Director of Bridgewater International, and Robert Chadwick, CEO of America Mortgages, provided valuable insights into NYC real estate. They discussed the benefits of full-service property management for international investors, strategies to enhance ROI, and NYC’s property market dynamics.

Bridgewater’s investor support, and mortgage options tailored for global clients.  For those who couldn’t attend, the recording is now accessible here. 

During the session, Alistar Aunty (AA) and Robert Chadwick (RC) addressed a variety of questions, offering informative responses to help global investors make informed decisions in the NYC real estate market. Remarks have been edited for clarity and brevity.

Do you only manage properties in NYC, or do you cover other states as well?

AA: We primarily manage properties in New York, New Jersey, and Florida. We have managed properties in other locations, like Chicago, but our main focus and expertise are in NYC, NJ, and FL.

What is the rental market like in New York

AA: The rental market in NYC is robust, with high demand since about 70% of residents rent. A well-maintained property in a good location will always attract tenants, especially if it has amenities.

What about capital growth?

AA: Historically, NYC has shown steady capital appreciation. Although recent interest rate hikes have kept prices relatively static, we expect capital growth to resume as interest rates decrease. If trends from 1999 to 2019 continue, there should be good appreciation in the coming years.

Would you help in finding tenants for us?

AA: Yes, finding tenants is a key part of our services. The sooner we can secure a well-qualified tenant, the sooner you start earning income and improving your return on investment.

Hi Alistar, how frequently do you conduct routine site visits to the properties you manage?

AA: For newly purchased properties, we conduct several visits during the build phase and a pre-completion inspection. Once occupied, we visit 1–2 times per year, which balances tenant privacy with inspection needs.

Hi Robert, what’s your advice? Should we wait for interest rates to drop, given the potential upcoming rate cut?

RC: I recommend buying now and refinancing later if rates drop, as waiting could mean missing a buyer’s market. Once rates decrease, demand might push prices up.

Thank you for the webinar. I work with high-net-worth individuals and families based in Africa. Can a bespoke New York/international property investment vehicle/company be designed and managed for high-net-worth families? Are there any residence advantages?

RC & AA: Yes, a bespoke investment structure, like a U.S. LLC, can be set up to manage properties for high-net-worth individuals, providing legal and tax benefits, such as estate tax advantages.

What’s the average mortgage rate for foreign buyers?

RC: Foreign buyers typically pay about 1% more than U.S. residents with excellent credit. Current rates for foreign buyers are in the high 6% to mid-7% range.

How do you think interest rates will change moving forward?

RC: Interest rates are expected to decrease, especially with a pro-real-estate administration that may lower rates to stimulate the market.

I’m a U.S. citizen living overseas with little to no U.S. credit. Which mortgage program applies to me?

RC: You would initially qualify as a foreign national. After reestablishing U.S. credit over about two years, you could switch to an expat loan, typically at a slightly better rate.

What is the current 30-year fixed rate?

RC: Rates vary depending on factors like loan-to-value (LTV) and borrower profile. For foreign buyers, rates generally start around 6% and can go higher.

What are the typical exit costs (e.g., capital gains, broker fees)?

RC: Broker fees are typically 2% of the loan amount. The U.S. offers tax benefits like the 1031 exchange, which defers capital gains tax if proceeds are reinvested in a similar or more expensive property.

Is it possible to qualify for a mortgage on an off-plan property before completion?

RC: Yes, we can pre-approve you for off-plan properties, but locking in the rate long-term may be challenging. Given current trends, you might want to avoid locking in as rates are likely to decrease.

If I bought a property but already own in Connecticut, can I buy now (pre-build) and take advantage of the 1031 Exchange when I sell my Connecticut property?

AA: Yes, you can use the 1031 Exchange if you complete the purchase of a new property within 180 days after selling the Connecticut property, and the new property is of equal or higher value.

What rates apply in different scenarios?

RC: Rates depend on factors like LTV and borrower profile. Foreign buyers usually face slightly higher rates and slightly reduced LTV compared to U.S. residents.

I’m a dual citizen living in Australia but own property in the USA. Can I benefit from your services even if I visit the U.S. often?

AA: Yes, we can provide property management and related services even if you frequently visit, as we cater to both U.S.-based and international clients.

Do banks/lenders apply fees and charges for refinancing? If so, approximately how much?

RC: Yes, refinancing involves fees for appraisal, taxes, insurance, escrow, etc. On average, these costs are about 3% of the property’s closing price.

Home Prices Set to Surge 5% in the 4 Months Following the Election

On a national level, existing home sales dropped to a 14-year low in September, even with mortgage rates hitting a two-year low during that time, according to the National Association of Realtors®.

With that uncertainty gone, buyers will likely feel more secure in making this major decision.

Historically, home prices have shown a bullish trend!

Looking at the past five elections (2004–2020), a slowdown in home sales occurred in the four months leading up to just two of those elections—2004 and 2016.

Similarly, slowing price growth was seen before only two elections: 2004 and 2008.

But there’s more to the story—post-election, home sales and prices typically see a boost. 

Since 2004, home sales and prices have increased annually in the four months following each election, except in 2008, when the housing market was hit hard by the Great Recession.

Moreover, these post-election gains have generally outpaced the slowdown seen right before the election, with some exceptions (like 2012, where the improvement was modest). In contrast, years like 2016 and 2020 saw much sharper rebounds.

Key Insight => On average, home sales have increased by 7% annually in the four months following the last five presidential elections, and prices have risen by an average of 5%.

While mortgage rates and the overall economy are still the main drivers of homebuyer behaviour, the data points to a post-election bump in sales and price growth. The evidence suggests a positive outlook moving forward.

Here is a recent video we hosted on “Ask Us Anything About U.S. Real Estate Investing.”

In light of the election this week, we wanted to share some key insights with you. We’ll be back with our America Mortgages Concierge Series next week.

www.americamortgages.com