Author: Premela R.

Warren Buffett’s Secret to Winning in Real Estate (And How You Can Apply It in 2025)

Post author By Premela R.
Post date August 8, 2025

A Map of U.S. Home Prices

The latest data mapping median home prices across all 50 states shows just how diverse the American property market is. While the national median is around $385,000, the gap between states is striking. Coastal markets such as California, Hawaii, and Massachusetts lead with prices well above the national average, while states in the Midwest and South offer significantly lower entry points.

For overseas real estate investors, these differences create unique opportunities. Affordable states can be a starting point for building a portfolio, while higher-priced states often offer stronger long-term appreciation potential. Selecting the right location is key to maximising returns.

Warren Buffett’s Real Estate Wisdom

More than a decade ago, Warren Buffett said that if he could, he would buy a few hundred thousand single-family homes while prices were low, lock in a 30-year mortgage, and rent them out. His point was simple. When you can secure a property at a good price and finance it with long-term fixed debt, the combination of rental income and appreciation can be extremely powerful.

Fast forward to today and while the market has changed, the principle still applies. Mortgage rates are higher and home prices have climbed since the post-2008 lows. This means finding distressed bargains requires more patience and strategy. However, with the right financing in place, investors can still secure high-potential properties, particularly in markets that have yet to reach their peak.

New Ways to Invest

While Buffett was talking about buying homes outright, today’s investors have more options. Some are entering the market through fractional ownership platforms that allow buyers to invest in shares of rental properties with a low minimum commitment. Others are building portfolios in emerging or affordable states that offer better yields and appreciation potential. In all cases, having access to financing tailored to non-residents is the key to moving quickly when the right opportunity appears.

Making U.S. Real Estate Possible for Non-Residents

At America Mortgages, providing U.S. mortgage loans to non-U.S. residents, both expats and foreign investors, is not a side business. It is all we do. As a direct lender and super broker, we have the ability to find not just any loan, but the loan that matches your specific needs and requirements.

When you work with America Mortgages, you benefit from:

No U.S. credit score required
Foreign income accepted for qualification
Financing up to 75–80% LTV
No U.S. residency or visa needed
Loans available for investment, vacation, or primary homes
Fast closings, sometimes in as little as 30 days

The U.S. real estate market remains one of the most stable, scalable, and secure investment options globally. With the right financing, it is accessible to you. America Mortgages makes it possible.

Contact: [email protected]
Website: www.americamortgages.com

Speak to a U.S. Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830

Need help getting started? Use their 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor.

By the Time You Read This, Another Foreign Investor Just Bought a U.S. Home

Post author By Premela R.
Post date August 2, 2025

Foreign buyers purchased $56 billion worth of U.S. existing homes from April 2024 to March 2025, a 33.2% increase compared to the previous year, according to the National Association of REALTORS® (NAR). This also represents a 44% increase in the number of properties purchased, totaling 78,100, marking the first year-over-year increase since 2017.

But it is not just the total spend that tells the story. It is where the money is going.

According to The Real Deal, Miami continues to be the top choice for international buyers, capturing 8.7% of all foreign demand. Its combination of tax advantages, sunshine, and investment-grade rental yields keeps it at the front of the pack.

However, the real trend is diversification.

In the first half of 2025, New York City saw its volume of international buyers double year over year. That growth is being led by buyers from Asia, the Middle East, and Latin America, who are snapping up trophy homes and long-term investment properties in legacy neighborhoods.

Meanwhile, the Bay Area is back in focus. After a slowdown during the pandemic, overseas buyers are returning to San Francisco and Silicon Valley. Proximity to top universities, tech companies, and high appreciation potential is drawing global capital back in.

And there is more.

Texas cities like Austin, San Antonio, and Dallas are quickly becoming global favorites. International investors are looking for affordability, strong rental income, and stable long-term returns in fast-growing Sun Belt metros.

At America Mortgages, we are seeing it all firsthand.

From high-net-worth investors in Singapore, London and Dubai, to first-time buyers in Zurich and Hong Kong, these clients are not just buying holiday homes, they are buying investment properties around the U.S., building portfolios with strategy and speed.

The one thing that holds most buyers back? Financing.

That is where we come in.

We make U.S. real estate possible for non-residents.

At America Mortgages, providing U.S. mortgage loans to non U.S. residents, both expats and foreign investors, isn’t a “side job” for us. It’s all we do. As a direct lender and super broker, we have the ability not to find “just a loan” but a loan that is specific to your needs and your requirements. Our loan programs feature;

No U.S. credit score required
Foreign income accepted
Up to 80% loan-to-value
Over 150 loan programs designed for non-U.S. citizens
Fixed rates up to 30 years
Loan amounts as low as $150k
DSCR – investment property mortgagee loans that require no personal income to qualify
30-year fixed rates regardless of the age of the borrower
10-year fixed interest-only loans
No W2 required for U.S. expats and foreign income accepted
Mortgage loans in ALL 50 U.S. states

The U.S. real estate market remains one of the most stable, scalable, and secure investment options globally. And with the right financing, it is accessible to you.

Want to know how much you can borrow and where you can buy?

Let’s build your U.S. strategy.

Contact: [email protected]

Website: www.americamortgages.com

Speak to a U.S. Loan Expert 24 hours a day / 7 days a week: +1 845-583-0830

Need help getting started? Use our 24/7 online booking tool to schedule a free, no-obligation consultation with a U.S. mortgage advisor. https://www.americamortgages.com/home-mortgage-for-foreign-national-form/

Para Cuando Leas Esto, Otro Inversor Extranjero Ya Habrá Comprado una Casa en EE. UU.

Los compradores extranjeros adquirieron propiedades residenciales existentes en Estados Unidos por un valor de 56 mil millones de dólares entre abril de 2024 y marzo de 2025, lo que representa un aumento del 33.2% en comparación con el año anterior, según la National Association of REALTORS® (NAR). Esto también equivale a un aumento del 44% en el número de propiedades compradas, alcanzando un total de 78,100, marcando el primer aumento interanual desde 2017.

Pero no se trata solo del gasto total. Lo importante es dónde se está invirtiendo ese dinero.

Según The Real Deal, Miami sigue siendo la principal opción para compradores internacionales, capturando el 8.7% de toda la demanda extranjera. Su combinación de ventajas fiscales, clima soleado y rentabilidades atractivas la mantiene como líder del mercado.

Sin embargo, la tendencia real es la diversificación.

En la primera mitad de 2025, la ciudad de Nueva York duplicó el volumen de compradores internacionales en comparación con el año anterior. Este crecimiento está siendo impulsado por compradores de Asia, Medio Oriente y América Latina, quienes están adquiriendo propiedades emblemáticas y de inversión a largo plazo en vecindarios tradicionales.

Mientras tanto, el Área de la Bahía vuelve a estar en el foco. Tras una desaceleración durante la pandemia, los compradores extranjeros están regresando a San Francisco y Silicon Valley. La cercanía a universidades de prestigio, empresas tecnológicas y un alto potencial de apreciación está atrayendo nuevamente capital global.

Y hay más.

Ciudades de Texas como Austin, San Antonio y Dallas se están convirtiendo rápidamente en favoritas a nivel internacional. Los inversores buscan accesibilidad, fuertes ingresos por alquiler y retornos estables a largo plazo en las áreas de más rápido crecimiento del Sun Belt.

En America Mortgages, lo estamos viendo todo de primera mano.

Desde inversores de alto patrimonio en Singapur, Londres y Dubái, hasta compradores primerizos en Zúrich y Hong Kong, estos clientes no están comprando solo casas vacacionales, sino propiedades de inversión por todo EE. UU., construyendo carteras con estrategia y rapidez.

¿El principal obstáculo para la mayoría de los compradores? El financiamiento.

Ahí es donde entramos nosotros.

Hacemos posible invertir en bienes raíces en EE. UU. para no residentes.

En America Mortgages, otorgar préstamos hipotecarios en EE. UU. a no residentes estadounidenses, ya sean expatriados o inversores extranjeros, no es algo secundario. Es todo lo que hacemos. Como prestamista directo y super broker, no solo buscamos “un préstamo”, sino el préstamo adecuado para tus necesidades y requisitos. Nuestros programas de préstamo ofrecen:

No se requiere historial crediticio en EE. UU.
Se acepta ingreso extranjero
Hasta el 80% de préstamo sobre el valor de la propiedad (LTV)
Más de 150 programas hipotecarios diseñados para no ciudadanos estadounidenses
Tasas fijas de hasta 30 años
Préstamos desde $150,000 USD
DSCR – Préstamos para propiedades de inversión sin necesidad de comprobar ingreso personal
Tasas fijas a 30 años sin importar la edad del prestatario
Préstamos a interés solo fijo por 10 años
No se requiere W2 para expatriados estadounidenses y se acepta ingreso extranjero
Préstamos hipotecarios en los 50 estados de EE. UU.

El mercado inmobiliario estadounidense sigue siendo una de las opciones de inversión más estables, escalables y seguras del mundo. Y con el financiamiento adecuado, puede estar al alcance de tu mano.

¿Quieres saber cuánto puedes pedir prestado y dónde puedes comprar?

Construyamos tu estrategia en EE. UU.

Contacto: [email protected]
Sitio web: www.americamortgages.com
Habla con un experto hipotecario en EE. UU. 24/7: +1 845-583-0830

¿Necesitas ayuda para comenzar? Utiliza nuestra herramienta de reserva en línea disponible 24/7 para agendar una consulta gratuita y sin compromiso con un asesor hipotecario en EE. UU.:
https://www.americamortgages.com/home-mortgage-for-foreign-national-form/

等你读到这篇文章时，又有一位外国投资者买下了一套美国房产

根据全美房地产经纪人协会（NAR）的数据，从2024年4月到2025年3月，外国买家购买了价值560亿美元的美国现有住宅，比前一年增长了33.2%。购买的房产总数也增加了44%，达到78,100套，这是自2017年以来首次出现同比增长。

但不仅仅是总金额值得关注，关键是这些资金流向了哪里。

据《The Real Deal》报道，迈阿密继续稳居国际买家的首选，吸引了**8.7%**的外国需求。得益于其税收优势、阳光气候和具有投资价值的租金收益，迈阿密始终位于榜首。

不过，真正的趋势是多元化。

2025年上半年，纽约市的国际买家数量同比翻了一倍。亚洲、中东和拉丁美洲的买家正带动这股增长潮，他们正在传统社区抢购豪宅和长期投资型房产。

与此同时，湾区也重新回到聚光灯下。在疫情期间经历了一段低迷后，海外买家开始回归旧金山和硅谷。这里靠近顶尖大学、科技公司，具备极高的升值潜力，正吸引全球资本回流。

而这还不是全部。

德克萨斯州的奥斯汀、圣安东尼奥和达拉斯等城市，正迅速成为全球投资者的新宠。这些国际买家正在寻找价格可承受、租金回报强劲、长期收益稳定的增长型城市，尤其是在快速发展的“太阳地带”。

在 America Mortgages，我们正亲眼见证这一切。

从新加坡、伦敦和迪拜的高净值投资者，到苏黎世和香港的首次购房者，这些客户购买的可不仅仅是度假屋，他们正在美国各地购买投资型房产，用策略与速度建立自己的投资组合。

那么，阻碍大多数买家的最大障碍是什么？融资。

这正是我们擅长的领域。

我们帮助非美国居民实现投资美国房地产的可能。

在 America Mortgages，专为非美国居民（包括外籍人士和外国投资者）提供美国房贷，不是我们的副业，而是我们专注的全部。作为直接放贷人兼超级贷款中介，我们不仅为您“找到一个贷款”，而是匹配最适合您需求的贷款产品。

我们的贷款计划包括：

无需美国信用评分
接受海外收入
最高可贷房产价值的80%（LTV）
150多种专为非美国公民设计的贷款方案
最长期限为30年的固定利率贷款
最低贷款金额为15万美元
DSCR投资房贷款 – 无需提供个人收入即可获批
无论借款人年龄多大，均可申请30年固定利率贷款
10年期固定利率只还利息贷款
美国外籍人士无需提供W2表格，接受海外收入
覆盖美国所有50个州的房贷服务

美国房地产市场依旧是全球最稳定、可扩展、最安全的投资渠道之一。只要有合适的融资，您也能轻松进入这个市场。

想知道您可以贷多少？可以在哪些地方购房？

让我们一起制定您的美国投资策略。

联系方式: [email protected]
官网: www.americamortgages.com
全天候联系美国贷款专家：+1 845-583-0830

准备开始了吗？使用我们的 24/7 在线预约工具，立即安排与美国房贷顾问的免费无义务咨询：
https://www.americamortgages.com/home-mortgage-for-foreign-national-form/

Why Foreign Investors Are Pouring Billions Into U.S. Real Estate and Why You Should Too

Post author By Premela R.
Post date July 24, 2025

The World Is Watching U.S. Real Estate. Are You?

Foreign investors are making a powerful return to the U.S. housing market, and they’re not doing it quietly. According to the National Association of Realtors, international buyers poured $56 billion into U.S. residential real estate from April 2024 to March 2025. At the same time, institutional giants like Blackstone are back in acquisition mode, buying up single-family homes across the country.

But here’s the part that should make every savvy investor sit up and take notice:

Private equity firms, with teams of highly paid analysts and access to elite-level data, are aggressively buying U.S. real estate again.

They know what the average investor doesn’t. And they’re acting on it.

The Smartest Money in the Room Is Buying U.S. Property Again

In 2023, private equity firms pulled back from buying single-family rentals as prices surged and yields tightened. But now they’re ramping up acquisitions in a major way. Blackstone alone has acquired nearly 4,000 homes since the start of the year through its subsidiary, Tricon Residential.

Why the renewed interest?

Because the fundamentals are lining up perfectly:

Rising rents and housing shortages are driving strong returns on rental properties
Institutional investors believe home prices will rise, not fall
Long-term demand for rentals is expected to grow as affordability continues to challenge U.S. homebuyers

These firms aren’t guessing. They’re backed by top-tier research and analysts. If they’re going all in again, it’s because the data shows this is where the smart money belongs.

Foreign Investors Are Also Making Their Move

At the same time, individual investors from around the world are putting real dollars behind their belief in the U.S. real estate market.

The National Association of Realtors reports that:

International buyers purchased $56 billion in U.S. homes in just 12 months
This represents a 20% increase year over year
The top buying countries included China, Mexico, Canada, India, and Colombia

Whether for rental income, capital appreciation, or diversification, foreign investors clearly see the U.S. as a safe, profitable, and stable real estate market.

But There’s One Catch: Financing

Buying property in the U.S. is easy for Americans. But for non-U.S. citizens or U.S. expats living abroad, financing has traditionally been the biggest barrier.

Until now.

Why America Mortgages Is the Game-Changer

America Mortgages is the leading U.S. mortgage lender exclusively serving foreign nationals and U.S. expats. Our mission is simple: Make U.S. property ownership possible without the red tape.

With America Mortgages, you get:

✅ No U.S. credit score required
✅ Foreign income accepted
✅ Up to 75 to 80% financing (LTV)
✅ No U.S. residency or visa needed
✅ Loans for investment, vacation, or primary homes
✅ Fast closings, some in as little as 30 days

Whether you’re based in Singapore, Dubai, London, or Hong Kong, we offer fully underwritten mortgage solutions tailored to your needs.

The Window of Opportunity Is Now

Between private equity giants making major moves and global investors flooding back into the U.S. market, the momentum is undeniable.

The best-funded institutions in the world are buying aggressively because they know the U.S. real estate market is positioned for long-term growth. The only question is: will you follow their lead?

Be Greedy When Others Wait

Sophisticated real estate investors understand that the best time to buy is often when interest rates are high, not low. While marginal investors and owner-occupiers hesitate, hoping for rates to drop, seasoned buyers recognize that property prices are typically more negotiable when borrowing costs are elevated and demand is suppressed. They know that interest rates can be refinanced later, but purchase prices, especially in a down market, are a fleeting opportunity.

If President Trump gets his wish and rates are slashed by 300 basis points, the landscape will shift dramatically: demand will surge, competition will intensify, and prices will quickly rise. In a matter of months, today’s buyer’s market could flip into a seller’s market, leaving hesitant buyers chasing inflated prices and missed chances.

Ready to Start Building Wealth in U.S. Real Estate?

You don’t need to live in the U.S. to own property in the world’s most trusted real estate market. You just need the right financing partner.

America Mortgages is built for international investors like you. Whether you’re looking for cash flow, long-term appreciation, or a way to dollarize your portfolio, we make it happen.

👉 Explore your options today

Visit www.americamortgages.com or speak with a mortgage specialist who understands your goals and speaks your language.

America Mortgages — The #1 U.S. Mortgage Lender for Foreign Nationals and U.S. Expats.

Frequently Asked Questions

Q1: Why are foreign investors attracted to U.S. real estate?

A: Foreign investors are drawn to the U.S. real estate market due to its stability, potential for capital appreciation, strong rental yields, and protection against global economic uncertainties.

Q2: How much did international buyers invest in U.S. homes recently?

A: Between April 2024 and March 2025, international buyers invested $56 billion in U.S. residential real estate, marking a significant increase in foreign investment.

Q3: What are institutional investors doing in the U.S. housing market?

A: Institutional investors, such as Blackstone, are actively acquiring single-family homes, with Blackstone purchasing nearly 4,000 homes through its subsidiary, Tricon Residential, indicating strong confidence in the market’s future.

Q4: Can non-U.S. citizens obtain mortgages in the U.S.?

A: Yes, non-U.S. citizens can obtain mortgages in the U.S. without needing a U.S. credit score, visa, or residency status, making real estate investment accessible to a global audience.

Q5: What are the advantages of using mortgage loans for property investment?A: Using mortgage loans allows investors to leverage other people’s money, maintain liquidity, and benefit from property appreciation, all while keeping their capital available for other investments.

How the Wealthy Build Real Estate Empires with $100K and How You Can Too

Post author By Premela R.
Post date July 11, 2025

Many investors believe that paying cash for property is the safest route. While it’s true that owning a home outright provides strong cash flow, it actually limits your growth. The wealthiest real estate investors take a different approach. They use leverage to multiply both income and equity, turning one opportunity into many. This strategy is especially effective for foreign nationals and U.S. expats investing in American real estate, as the entry can be low and the leverage is high.

Here’s how:

Use $100K to Buy ONE Property in Cash or FIVE with Smart Leverage?

Let’s say you have $100K to invest. You could buy one $100K property outright. Rent it for $1,500 a month. After expenses, you might walk away with $1,000 in monthly net income. That’s a 12% return, which isn’t bad… or is it?

But there’s another option.

You could split that $100K into five down payments of $20K each and finance five $100K properties. After covering mortgage payments (around $664 per property), you’d still earn roughly $350 per home in net cash flow. That’s $1,750 total, which is $750 more per month than the all-cash option.

And you now own five appreciating assets instead of just one.

Higher Cash Flow, Higher ROI

When you spread your capital across multiple properties, you increase your cash-on-cash return. Instead of earning 12% on one home, you’re potentially earning over 20% across five.

According to SparkRental’s 2025 investor survey, leveraged real estate investors consistently outperformed all-cash buyers in both income and long-term appreciation.

Equity Builds Faster When You Scale

Real estate appreciation compounds when you own more properties.

If one $100K property grows to $150K over 5 to 10 years, that’s a potential $50K or more equity gain. But if all five of your $100K properties appreciate by the same amount, you now have $250K or more in new equity, all from your original $100K investment.

This is how the wealthy multiply wealth through real estate.

Refinance, Reinvest, Repeat

Once your properties appreciate, you can do a cash-out refinance and borrow against the new value. If you maintain the same loan-to-value ratio, you can access that capital tax-free. The IRS treats it as a loan, not income.

You now have the capital to buy another property, without using another dollar.

But What About Today’s Mortgage Rates?

It’s a fair question. Mortgage rates are currently hovering around 6.8% (Freddie Mac, June 2025) with about a .50-.875% premium for foreign national investors. But that’s only one part of the picture.

Inflation has averaged 7 to 8% since 2022, according to the U.S. Bureau of Labor Statistics. That means the real cost of borrowing is actually lower. In other words, your debt is getting cheaper while your asset continues to grow.

Real Example: One Property, $77K Net Cash Flow

In 2020, one of our clients purchased a short-term rental for $430,000 using just $86,000 as a down payment. After setup and furniture costs, the property was listed on Airbnb.

By 2022, it generated $143,140 in revenue. After mortgage payments, cleaning, and operating costs, the net cash flow was $77,235.

That same year, the home was appraised for $645,000. The client did a cash-out refinance, pulled $170,000 in equity, and used it to buy another home.

They now own nine short-term rentals, generating over $2 million a year.

Why This Works for Foreign Nationals and Expats

This strategy isn’t just for U.S.-based investors. With no restrictions on the maximum LTV, America Mortgages can offer up to 80% LTV on one or a hundred homes. That’s the power of leverage and why building a U.S. real estate portfolio far surpasses any other real estate market in the world.

At America Mortgages, we’ve helped thousands of global investors finance U.S. real estate with no U.S. credit, no tax returns, and with foreign-earned income. With the right mortgage structure, you can access the same strategy to scale your portfolio, even from abroad.

Bottom Line

Cash flow is great. But equity and leverage are what build long-term wealth. The best investors know how to combine all three.

If you’re ready to grow your U.S. real estate portfolio and want guidance from a team that understands global investors, reach out to us.

📧 [email protected]

🌐 www.americamortgages.com

📞 +1 (845) 583-0830

Let’s make your $100K work like $500K

Frequently Asked Questions

Q1: Why shouldn’t I pay cash for U.S. property?

A: Paying cash limits growth. Using leverage allows you to buy multiple properties, increase cash flow, and build equity faster.

Q2: How does leverage increase returns?

A: By spreading your capital across several financed properties, you can earn higher monthly income and own multiple appreciating assets instead of just one.

Q3: Can foreign nationals and expats use this strategy?

A: Yes. America Mortgages offers up to 80% LTV, no U.S. credit or tax returns required, and foreign income can qualify you for financing.

Q4: What is cash-out refinancing and how does it help?

A: After properties appreciate, you can refinance to borrow against their equity tax-free. This capital can be reinvested to buy more properties and grow your portfolio.

Q5: Does this strategy work despite current mortgage rates?A: Yes. Even with rates around 6.8%, inflation and property appreciation mean the real cost of borrowing is lower, making leverage highly effective for long-term wealth.

The U.S. Housing Shortage Is Your Investment Opportunity

Post author By Premela R.
Post date June 27, 2025

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.

Global investors are taking advantage of mortgage solutions available for non-resident buyers without U.S. credit or income.

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

Post author By Premela R.
Post date June 20, 2025

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.

Frequently Asked Questions

Q1: Why are international investors returning to the U.S. property market?

A: With interest rates steady and potential rate cuts later in 2025, overseas investors see an opportunity to buy properties at favorable prices, often with less competition, while locking in current financing.

Q2: Do foreign nationals need a U.S. credit score or income to qualify for a mortgage?

A: No. America Mortgages allows foreign buyers to qualify using income earned abroad or projected rental income from the property. U.S. credit history is not required.

Q3: What types of properties can international investors buy?

A: Investors can purchase single-family homes, student rentals, or long-term investment properties, both residential and commercial.

Q4: What loan programs and terms are available for overseas buyers?

A: Loan amounts: US$100,000 – US$30M

Up to 80% loan-to-value

Fixed 10-year interest-only options

Closings in 30–45 days

Q5: Why should investors act now rather than wait?

A: Current stable rates, strong rental demand, and potential future rate cuts create an ideal environment for securing favorable financing and positioning for long-term gains.

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

Post author By Premela R.
Post date June 10, 2025

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

Post author By Premela R.
Post date June 4, 2025

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

Post author By Premela R.
Post date May 23, 2025

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

Frequently Asked Questions

Q1: Can non-resident foreigners invest in U.S. real estate?

A: Yes! In 2024, foreign investors purchased nearly 50,000 U.S. properties, investing $19.4 billion. U.S. rental property is considered a stable way to build wealth and earn passive income.

Q2: Do I need a U.S. credit score or income to qualify for a mortgage?

A: No. America Mortgages offers solutions with no U.S. credit score required, foreign-earned income accepted, and rental income can be used to qualify instead of personal income.

Q3: How much can I borrow as a non-resident investor?

A: Loans start at $100,000, with up to 80% LTV available across all 50 states.

Q4: Can I manage the investment remotely?

A: Absolutely. Our turnkey services include remote mortgage approvals, fast bridge loans, realtor matching, property management, insurance, LLC & tax support, and money transfer assistance.

Q5: How do I get started?

A: Contact a mortgage specialist 24/7 at +1 (845) 583-0830, email [email protected], or visit www.americamortgages.com for a free consultation.

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