When tariffs make global headlines, most people think of trade wars, inflation, or higher prices on imported goods. But for Canadian investors, tariffs are quietly reshaping the U.S. real estate market—and opening doors to wealth-building opportunities just south of the border.
Whether you’re a seasoned investor expanding your portfolio or a first-time buyer exploring cross-border opportunities, understanding how tariffs affect U.S. property markets can give you a strategic edge. Here’s how—and how America Mortgages makes it possible for Canadians to act quickly and confidently.
How Tariffs Are Driving U.S. Property Values Up
While tariffs are primarily trade policy tools, their ripple effects go far beyond economics. In fact, they’re playing a growing role in increasing U.S. property values—especially in fast-growing regions where supply is constrained and demand is rising.
1. Tariffs Bring Jobs Back to the U.S.—and Growth Follows
Tariffs are intended to reduce reliance on foreign imports and stimulate local production. As a result, more companies are reshoring manufacturing to the U.S., with CBRE estimating up to $250 billion in new investment in industrial sectors—particularly in emerging or secondary cities.
This means more jobs, population growth, and infrastructure development, all of which tend to push up local real estate prices. For Canadians, this presents a unique chance to invest in high-potential U.S. markets before prices catch up.
2. Commercial Property Demand Is Surging
As companies scramble to rebuild domestic supply chains, demand for logistics hubs and warehouse space is skyrocketing. CBRE reports that U.S. industrial leasing hit record highs, especially near ports and distribution corridors.
Canadian investors looking for income-generating commercial real estate have a golden window to enter the market—before large institutions fully crowd in.
3. Higher Tariffs = Higher Construction Costs = More Value for Existing Homes
Tariffs are also driving up the cost of construction materials—steel, aluminum, lumber—making it more expensive to build new homes. In fact, the 2018 steel and aluminum tariffs alone increased material costs by up to 15% in one year, according to the Hispanic Construction Council.
That slows down new developments, shrinks supply, and supports higher resale values for existing homes—perfect for investors aiming for long-term appreciation and stronger rental yields.
4. Existing Homeowners Could See Market Value Rise
As construction costs climb, the value of existing homes rises—especially in supply-constrained markets. For Canadian buyers, this creates a compelling reason to enter the market now, before price increases accelerate.
Buyers who act early can lock in lower entry prices and benefit from value appreciation fueled by tariff-driven supply shortages.
5. Strategic Buyers Are Locking In Rates Early
Tariffs don’t just affect supply and demand—they also create upward pressure on inflation and interest rates. Many experts suggest accelerating purchase timelines to secure fixed-rate U.S. mortgages before both home prices and borrowing costs rise further.
That’s where America Mortgages comes in.
How Canada-Based Buyers Can Act Now
At America Mortgages, we specialize in helping Canadian citizens invest in U.S. real estate—with:
✅ No U.S. credit history required ✅ No U.S. income verification needed ✅ Fast pre-approvals and expert cross-border guidance ✅ Residential and commercial property financing available ✅ 100% remote process—from Canada to closing
Whether you’re eyeing a Miami rental condo, a Dallas warehouse, or a vacation home in Arizona, we help Canadians navigate the U.S. mortgage system with ease.
Navigating a High-Value Market with Confidence
Tariffs are just one of many global forces reshaping the U.S. economy—but for smart investors, they signal a rare chance to enter a rising real estate market early.
As Canadian interest in U.S. property climbs, so does the urgency to act before higher tariffs, higher costs, and higher rates make it harder to enter.
When tariffs make headlines, most people think of trade wars, higher prices on imported goods, and economic uncertainty. But for those looking to invest in U.S. real estate, particularly foreign nationals and U.S. expats living overseas, tariffs could open unexpected doors.
Whether you’re expanding your property portfolio or purchasing your first U.S. investment home from abroad, understanding how tariffs impact the real estate market can help you make informed, strategic decisions.
How Tariffs Influence U.S. Real Estate
While tariffs are generally viewed as trade policy tools, their ripple effects reach the real estate market. In certain scenarios, they can create opportunities – especially for informed and sophisticated investors who understand where and how to look.
1. Tariffs Bring Jobs Back to the U.S. And Real Estate Follows
Tariffs are often designed to reduce dependency on imports and bring manufacturing back to the U.S. According to CBRE, reshoring trends could lead to $250 billion in new U.S. manufacturing investment, particularly in secondary and emerging markets.
These investments can trigger job growth, population inflows, and infrastructure development. These factors often push up residential and commercial property values. For foreign investors, this offers early access to markets that are still affordable but poised for long-term appreciation.
2. Commercial Property Demand Is Rising
CBRE reports that U.S. industrial leasing activity hit record highs, largely driven by the need to localize supply chains in response to tariffs. Ports, inland hubs, and logistics corridors have seen strong growth as companies seek out warehouse and distribution space closer to consumers.
This creates opportunities for investors interested in income-generating commercial properties in high-demand zones.
3. Tariffs Could Strengthen Existing Property Values
A recent Yahoo Finance article states that tariffs could significantly raise the cost of construction materials. The 2018 tariffs on steel and aluminium alone drove material prices up 10% to 15%, adding $1 billion in construction costs in just one year, according to the Hispanic Construction Council (HCC).
This rise in costs often leads to a slowdown in new builds, reducing housing supply in competitive markets. For buyers focused on existing properties, this tight inventory could support stronger rental yields and capital appreciation.
4. Existing Homeowners Could See Market Value Rise
While higher construction costs challenge developers, existing homeowners may benefit from rising property values due to the higher cost of rebuilding. As highlighted in a recent Yahoo Finance article, experts note that increased construction costs could boost the market value of existing homes, particularly in supply-constrained markets.
This makes purchasing now before tariffs take full effect an appealing strategy for foreign investors looking for long-term appreciation.
5. Strategic Buyers Can Lock in Value Now
Tariffs also raise the potential for inflation and upward pressure on interest rates. According to a recent Yahoo Finance article, experts suggest that buyers may want to consider accelerating their purchasing decisions to avoid anticipated price hikes and lock in fixed-rate mortgage terms before rates climb.
For non-resident investors, especially those working with America Mortgages, this presents an opportunity to finance U.S. property while rates remain relatively competitive before material-driven price increases are passed on to consumers.
Navigating the Market with Confidence
Tariffs are just one piece of the global economic puzzle, but for international investors, they can open up unique real estate opportunities. From regional growth and industrial expansion to supply constraints that push up values, there’s more to the story than just trade politics.
At America Mortgages, we work exclusively with foreign nationals and U.S. expats to provide tailored U.S. mortgage solutions with no U.S. credit history or income required.
Let our team of international mortgage specialists guide you through the process.
Explore your U.S. real estate opportunities today.
Call us directly 24 hours a day, 7 days a week, at +1 (845) 583-0830 for immediate assistance.
Los Aranceles Acaban de Aumentar el Valor del Mercado Inmobiliario en EE. UU.—Aquí Te Explicamos Por Qué
Cuando los aranceles aparecen en los titulares, la mayoría de la gente piensa en guerras comerciales, precios más altos en productos importados e incertidumbre económica. Pero para quienes buscan invertir en bienes raíces en EE. UU., especialmente ciudadanos extranjeros y estadounidenses expatriados que viven en el extranjero, los aranceles podrían abrir puertas inesperadas.
Ya sea que estés ampliando tu portafolio de propiedades o comprando tu primera vivienda de inversión en EE. UU. desde el exterior, entender cómo los aranceles afectan el mercado inmobiliario puede ayudarte a tomar decisiones estratégicas e informadas.
Cómo los Aranceles Afectan el Mercado Inmobiliario de EE. UU.
Aunque los aranceles suelen verse como herramientas de política comercial, sus efectos indirectos alcanzan al sector inmobiliario. En ciertos escenarios, pueden generar oportunidades, especialmente para inversores informados y sofisticados que saben dónde y cómo buscar.
1. Los Aranceles Traen Empleos de Vuelta a EE. UU. y el Mercado Inmobiliario lo Acompaña
Los aranceles suelen estar diseñados para reducir la dependencia de las importaciones y fomentar el regreso de la manufactura a EE. UU. Según CBRE, las tendencias de relocalización industrial podrían generar 250 mil millones de dólares en nuevas inversiones manufactureras en EE. UU., particularmente en mercados emergentes o secundarios.
Estas inversiones pueden impulsar el crecimiento del empleo, la llegada de nuevos residentes y el desarrollo de infraestructura. Estos factores a menudo elevan el valor de las propiedades residenciales y comerciales. Para los inversores extranjeros, esto representa acceso anticipado a mercados que aún son asequibles pero con gran potencial de apreciación a largo plazo.
2. Aumenta la Demanda de Propiedades Comerciales
CBRE informa que la actividad de arrendamiento industrial en EE. UU. alcanzó niveles récord, impulsada en gran parte por la necesidad de localizar cadenas de suministro en respuesta a los aranceles. Puertos, centros logísticos interiores y corredores de distribución han visto un fuerte crecimiento, ya que las empresas buscan almacenes y centros de distribución más cercanos al consumidor.
Esto genera oportunidades para inversores interesados en propiedades comerciales que generen ingresos en zonas de alta demanda.
3. Los Aranceles Podrían Fortalecer el Valor de Propiedades Existentes
Un reciente artículo de Yahoo Finance indica que los aranceles podrían aumentar significativamente el costo de los materiales de construcción. Los aranceles impuestos en 2018 sobre el acero y el aluminio elevaron los precios de materiales entre un 10% y un 15%, sumando 1.000 millones de dólares en costos de construcción en tan solo un año, según el Hispanic Construction Council (HCC).
Este aumento suele ralentizar el desarrollo de nuevas construcciones, lo que reduce la oferta de viviendas en mercados competitivos. Para quienes compran propiedades existentes, esta escasez puede traducirse en mayores rendimientos por alquiler y apreciación del capital.
4. Los Propietarios Actuales Podrían Ver un Aumento en el Valor de sus Viviendas
Aunque los altos costos de construcción representan un reto para los desarrolladores, los propietarios actuales pueden beneficiarse del aumento en el valor de sus viviendas debido al costo más elevado de reconstrucción. Como se destaca en el artículo de Yahoo Finance, expertos señalan que el incremento en los costos de construcción podría elevar el valor de mercado de las viviendas existentes, especialmente en mercados con oferta limitada.
Esto convierte al momento actual en una oportunidad estratégica para inversores extranjeros que buscan apreciar su inversión a largo plazo, antes de que los aranceles surtan todo su efecto.
5. Los Compradores Estratégicos Pueden Asegurar Valor Ahora
Los aranceles también aumentan el riesgo de inflación y ejercen presión sobre las tasas de interés. Según el mismo artículo de Yahoo Finance, expertos recomiendan que los compradores consideren adelantar sus decisiones de compra para evitar posibles aumentos de precios y asegurar condiciones de hipoteca con tasa fija antes de que suban los intereses.
Para los inversores no residentes, especialmente quienes trabajan con America Mortgages, esto representa una oportunidad para financiar propiedades en EE. UU. mientras las tasas aún se mantienen relativamente competitivas, y antes de que los aumentos de costos de materiales se reflejen en los precios.
Navegando el Mercado con Confianza
Los aranceles son solo una pieza del complejo rompecabezas económico global, pero para los inversores internacionales pueden abrir oportunidades únicas en el mercado inmobiliario. Desde el crecimiento regional y la expansión industrial hasta la escasez de oferta que impulsa los valores, hay mucho más detrás de la historia que la simple política comercial.
En America Mortgages, trabajamos exclusivamente con ciudadanos extranjeros y estadounidenses expatriados para ofrecer soluciones hipotecarias diseñadas específicamente para financiar propiedades en EE. UU., sin necesidad de historial crediticio o ingresos en Estados Unidos.
Permite que nuestro equipo de especialistas en hipotecas internacionales te guíe en el proceso.
Explora hoy tus oportunidades en el mercado inmobiliario estadounidense.
The U.S. commercial real estate (CRE) market remains a top destination for global investors, offering stability, diversification, and attractive returns. From multifamily housing and retail centers to self-storage facilities and office buildings, the U.S. CRE market provides a wide range of asset classes to suit diverse investment goals.
At America Mortgages, we are excited to introduce our AM Commercial Real Estate Loan Program, a specialized financing solution designed for foreign nationals and U.S. expats looking to invest in U.S. commercial real estate using smart leverage. With our expertise in residential mortgages for non-U.S. residents, we now extend our services to the commercial sector, providing flexible and comprehensive lending options to help you build and expand your U.S. CRE portfolio.
Why Invest in U.S. Commercial Real Estate?
The U.S. CRE market is one of the most transparent and liquid in the world, making it an ideal choice for global investors seeking portfolio diversification. Key benefits include:
Stable Income: Long-term leases and high occupancy rates ensure consistent cash flow.
Diverse Asset Classes: From self-storage units to assisted living facilities, the market offers a variety of investment opportunities.
Attractive Returns: Commercial properties often outperform residential real estate, delivering higher yields.
Financing Solutions Tailored for Global Investors
At America Mortgages, we simplify the financing process for foreign nationals and U.S. expats. Whether you are acquiring your first commercial property or expanding an existing portfolio, our team provides seamless and efficient financing solutions.
1. Bridge Loans: Speed and Flexibility
Bridge loans are ideal for short-term financing needs, offering quick closings and interest-only payments. These loans are perfect for:
Purchasing or upgrading properties before securing long-term financing.
Renovating assets, increasing rents, or stabilizing occupancy.
Securing time-sensitive investment opportunities.
Key Features:
Loan terms: 12 to 24 months.
Fast approval and closing.
Ideal for transitional or value-added properties.
2. Term Loans: Long-Term Stability
For stabilized, income-generating properties, term loans provide cost-effective, long-term financing with predictable terms.
Key Features:
Fixed interest rates for up to 5 years.
Amortization periods of up to 20 years.
Higher loan-to-value (LTV) ratios for qualified properties.
Key Commercial Loan Highlights
Loan Amounts: $1,000,000 to $250,000,000.
No U.S. Credit Score Required: Financing is accessible without a U.S. credit history.
Nationwide Availability: Loans available in all 50 states.
Flexible Options: Bridge, mezzanine, and conventional financing tailored to your needs.
Interest-Only Payments: Available for qualifying loans.
Real-World Investment Scenarios
Here are examples of deals we’ve financed for our clients:
Extended Stay Motel: Purchased for $3.5 million with a 12.5% cap rate and 90% occupancy, delivering stable cash flow.
Greyhound Bus Terminal (NNN Lease): Acquired for $7.4 million with 3.5% annual rent increases and a 4.6-year lease term, offering predictable returns.
Self-Storage Facility in Florida: Bought for $2.6 million with 461 units and an 8% cap rate, showcasing the resilience of this asset class.
Tips for a Smooth Transaction
Our team ensures a seamless experience from offer to closing. Here’s how we help:
Due Diligence: Include a feasibility period in your purchase contract to assess the property.
Closing Timeline: Understand the timeline and required documentation to avoid delays.
Special Conditions: Review any conditions that may impact financing or ownership.
LLC Formation: Consider forming an LLC to manage the property efficiently and protect your assets.
Simplify Your CRE Investment with America Mortgages
At America Mortgages, we specialize in helping foreign nationals and U.S. expats navigate the U.S. commercial real estate market with confidence. Whether you’re seeking short-term financing for a value-added project or long-term funding for a stabilized asset, our tailored solutions are designed to meet your unique needs.
Ready to Finance Your U.S. Commercial Property?
Our team is here to help you secure competitive financing without the hassle.
Invest in U.S. commercial real estate with confidence—let America Mortgages be your trusted financing partner.
Invierta en Bienes Raíces Comerciales de EE.UU. con Financiamiento Hecho a su Medida
El mercado de bienes raíces comerciales de Estados Unidos (CRE) sigue siendo un destino principal para inversores globales, ofreciendo estabilidad, diversificación y rendimientos atractivos. Desde viviendas multifamiliares y centros comerciales hasta instalaciones de autoalmacenamiento y edificios de oficinas, el mercado CRE de EE.UU. proporciona una amplia gama de clases de activos para adaptarse a diversos objetivos de inversión.
En America Mortgages, estamos emocionados de presentar nuestro Programa de Préstamos Comerciales AM, una solución de financiamiento especializada diseñada para ciudadanos extranjeros y expatriados estadounidenses que buscan invertir en bienes raíces comerciales en EE.UU. utilizando un apalancamiento inteligente. Con nuestra experiencia en hipotecas residenciales para no residentes de EE.UU., ahora ampliamos nuestros servicios al sector comercial, ofreciendo opciones de financiamiento flexibles y completas para ayudarle a construir y expandir su portafolio de CRE en EE.UU.
¿Por Qué Invertir en Bienes Raíces Comerciales en EE.UU.?
El mercado CRE de Estados Unidos es uno de los más transparentes y líquidos del mundo, lo que lo convierte en una opción ideal para los inversores globales que buscan diversificación de portafolio. Beneficios clave incluyen:
Ingresos Estables: Contratos de arrendamiento a largo plazo y altas tasas de ocupación aseguran un flujo de caja constante.
Diversas Clases de Activos: Desde unidades de autoalmacenamiento hasta instalaciones de vida asistida, el mercado ofrece una variedad de oportunidades de inversión.
Rendimientos Atractivos: Las propiedades comerciales a menudo superan a las residenciales, ofreciendo mayores rendimientos.
Soluciones de Financiamiento Adaptadas para Inversores Globales
En America Mortgages, simplificamos el proceso de financiamiento para ciudadanos extranjeros y expatriados estadounidenses. Ya sea que esté adquiriendo su primera propiedad comercial o expandiendo un portafolio existente, nuestro equipo ofrece soluciones de financiamiento eficientes y sin complicaciones.
1. Préstamos Puente: Rapidez y Flexibilidad
Los préstamos puente son ideales para necesidades de financiamiento a corto plazo, ofreciendo cierres rápidos y pagos solo de intereses. Estos préstamos son perfectos para:
Comprar o mejorar propiedades antes de asegurar financiamiento a largo plazo.
Renovar activos, aumentar alquileres o estabilizar la ocupación.
Asegurar oportunidades de inversión sensibles al tiempo.
Características Clave:
Plazos del préstamo: 12 a 24 meses.
Aprobación y cierre rápidos.
Ideal para propiedades transitorias o con valor agregado.
2. Préstamos a Plazo: Estabilidad a Largo Plazo
Para propiedades estabilizadas y generadoras de ingresos, los préstamos a plazo proporcionan financiamiento rentable a largo plazo con términos predecibles.
Características Clave:
Tasas de interés fijas por hasta 5 años.
Períodos de amortización de hasta 20 años.
Ratios de préstamo a valor (LTV) más altos para propiedades calificadas.
Aspectos Destacados de los Préstamos Comerciales
Montos de Préstamo: De $1,000,000 a $250,000,000.
No Se Requiere Historial de Crédito en EE.UU.: Financiamiento accesible sin historial crediticio estadounidense.
Disponibilidad en Todo el País: Préstamos disponibles en los 50 estados.
Opciones Flexibles: Financiamiento puente, mezzanine y convencional adaptado a sus necesidades.
Pagos Solo de Intereses: Disponibles para préstamos que califiquen.
Escenarios de Inversión Reales
Aquí algunos ejemplos de operaciones que hemos financiado para nuestros clientes:
Motel de Estancia Prolongada: Comprado por $3.5 millones con un CAP rate del 12.5% y 90% de ocupación, generando un flujo de caja estable.
Terminal de Autobuses Greyhound (Arrendamiento NNN): Adquirido por $7.4 millones con incrementos anuales de renta del 3.5% y un contrato de arrendamiento de 4.6 años, ofreciendo retornos predecibles.
Instalación de Autoalmacenamiento en Florida: Comprada por $2.6 millones con 461 unidades y un CAP rate del 8%, demostrando la resiliencia de esta clase de activos.
Consejos para una Transacción sin Complicaciones
Nuestro equipo garantiza una experiencia sin inconvenientes desde la oferta hasta el cierre. Así es como le ayudamos:
Debida Diligencia: Incluya un período de viabilidad en su contrato de compra para evaluar la propiedad.
Cronograma de Cierre: Comprenda el cronograma y la documentación requerida para evitar retrasos.
Condiciones Especiales: Revise cualquier condición que pueda afectar el financiamiento o la propiedad.
Formación de LLC: Considere formar una LLC para gestionar la propiedad de manera eficiente y proteger sus activos.
Simplifique su Inversión en CRE con America Mortgages
En America Mortgages, nos especializamos en ayudar a ciudadanos extranjeros y expatriados estadounidenses a navegar el mercado de bienes raíces comerciales de EE.UU. con confianza. Ya sea que busque financiamiento a corto plazo para un proyecto con valor agregado o financiamiento a largo plazo para un activo estabilizado, nuestras soluciones personalizadas están diseñadas para satisfacer sus necesidades únicas.
¿Listo para Financiar su Propiedad Comercial en EE.UU.?
Nuestro equipo está aquí para ayudarle a asegurar un financiamiento competitivo sin complicaciones.
Agende una Llamada: Hable con uno de nuestros especialistas en préstamos para explorar sus opciones.
Llámenos: Contáctenos 24/7 al +1 (845) 583-0830 para asistencia inmediata.
在 America Mortgages（美国贷款公司），我们很高兴推出全新的 AM 商业房地产贷款计划，这是一项专为希望通过灵活杠杆投资美国商业地产的外国投资者和美国海外人士设计的融资解决方案。凭借我们在为非美国居民提供住宅贷款方面的丰富经验，如今我们将服务拓展到商业领域，提供灵活且全面的贷款方案，帮助您打造并扩展美国商业房地产投资组合。
Did you know there’s a simple strategy that can help overseas investors protect their U.S. property, reduce taxes, and make estate planning easier?
More foreign investors and U.S. expats are buying U.S. real estate through Limited Liability Companies (LLCs)—and for good reason. At America Mortgages, we help clients take advantage of this strategy every day.
If you’re a foreign investor eyeing the U.S. real estate market, understanding how an LLC can work for you might be the smartest move you make this year.
Why Use an LLC to Buy U.S. Real Estate?
An LLC (Limited Liability Company) provides a legal separation between your personal assets and your property investment. For foreign nationals and U.S. expats, this can create substantial benefits:
✅ Asset Protection – An LLC shields your personal assets from potential lawsuits related to your investment property.
✅ Tax Advantages – Owning property through an LLC may lower your tax liability and increase deductible expenses, including maintenance and management costs.
✅ Estate Planning Made Easy – LLC ownership simplifies passing assets to heirs without complicated probate processes—especially important for non-U.S. residents.
✅ Professional Image & Flexibility – An LLC offers a professional investment structure that makes managing properties (and scaling your portfolio) easier.
At America Mortgages, we often recommend this structure to our clients who want to maximize returns while minimizing risk.
Do You Have to Use an LLC?
No, but there are good reasons why many of our clients do.
Owning your U.S. property as an individual can expose you to personal liability. An LLC, on the other hand, provides an extra layer of protection and may simplify your tax filings. While it’s not a requirement to secure financing with America Mortgages, it’s often a smart choice depending on your long-term goals.
At America Mortgages, we make it easy for foreign nationals and U.S. expats to invest in U.S. real estate. Part of that process is ensuring your property is structured in a way that protects your investment and makes sense for your long-term goals.
That’s why we work with Nobility Consulting, our trusted partner for U.S. LLC formation. Nobility Consulting specializes in setting up LLCs for foreign investors and U.S. expats, helping ensure the process is efficient, compliant, and tailored to your needs.
LLCs are becoming one of the most common ways foreign investors hold U.S. property. To answer the most frequently asked questions, we hosted a webinar with our LLC partner, Nobility Consulting.
Topics included: ✔️ How to set up an LLC as a foreign investor ✔️ Whether you need to register your LLC in the state where you’re buying ✔️ What liability protection an LLC offers ✔️ How an LLC can provide tax benefits ✔️ How America Mortgages and Nobility Consulting work together to simplify the process
At America Mortgages, we’ve developed a streamlined process to help foreign nationals and U.S. expats purchase property in all 50 states—whether you’re buying as an individual or through an LLC.
We offer:
✅ Up to 75% LTV financing for foreign investors
✅ As little as 20% down for U.S. expats
✅ No U.S. credit or footprint required
✅ Underwriting based on the property’s rental income, with no personal income documents required
✅ Concierge services, including LLC setup, tax consultation, and insurance
From application to closing, our team specializes in making U.S. real estate investing simple, fast, and stress-free.
Ready to Buy Property Through an LLC?
Whether you’re investing in a single-family rental in Florida or a multi-family unit in Texas, America Mortgages is here to guide you. Speak to our team today:
Schedule a call with a loan officer to discuss how LLCs can work for you
Call us directly 24 hours a day, 7 days a week at +1 (845) 583-0830 for immediate assistance
1. Can I live in a property owned by my LLC? Is it even permitted? Yes, it’s permitted. However, there’s typically no benefit unless it’s an investment property. Most lenders won’t finance owner-occupied homes under an LLC structure.
2. Do I need to form an LLC in the state where I’m buying property? Not necessarily. Some lenders may require your LLC to be registered as a foreign entity in the state where you are purchasing, while others accept LLCs formed in a different state.
3. How do I get an EIN number as a foreign national? You must manually apply through the IRS by submitting Form 2553 and your LLC’s Articles of Organization. Many foreign investors prefer working with professionals to handle this process.
4. Are mortgage rates or terms different if I buy through an LLC? No. Mortgage rates and terms are based on the loan program and borrower profile, not whether you purchase as an individual or through an LLC.
LLC: El arma secreta para los inversionistas extranjeros que poseen propiedades en EE.UU.
¿Sabías que existe una estrategia sencilla que puede ayudar a los inversionistas extranjeros a proteger sus propiedades en EE.UU., reducir impuestos y facilitar la planificación patrimonial?
Cada vez más inversionistas extranjeros y expatriados estadounidenses están comprando bienes raíces en EE.UU. a través de Compañías de Responsabilidad Limitada (LLC), y con razón. En America Mortgages, ayudamos a nuestros clientes a aprovechar esta estrategia todos los días.
Si eres un inversionista extranjero interesado en el mercado inmobiliario de EE.UU., entender cómo funciona una LLC para ti podría ser el mejor movimiento que hagas este año.
¿Por Qué Usar una LLC para Comprar Bienes Raíces en EE.UU.?
Una LLC (Compañía de Responsabilidad Limitada) proporciona una separación legal entre tus activos personales y tu inversión inmobiliaria. Para ciudadanos extranjeros y expatriados estadounidenses, esto puede generar beneficios importantes:
✅ Protección de Activos – Una LLC protege tus bienes personales de posibles demandas relacionadas con tu propiedad de inversión.
✅ Ventajas Fiscales – Ser dueño de una propiedad a través de una LLC puede reducir tu carga fiscal y aumentar los gastos deducibles, incluyendo los costos de mantenimiento y administración.
✅ Planificación Patrimonial Simplificada – La propiedad mediante una LLC facilita la transferencia de activos a los herederos sin procesos complicados de sucesión, algo especialmente importante para los no residentes en EE.UU.
✅ Imagen Profesional y Flexibilidad – Una LLC ofrece una estructura de inversión profesional que facilita la gestión de propiedades y el crecimiento de tu portafolio.
En America Mortgages, recomendamos esta estructura a nuestros clientes que buscan maximizar sus rendimientos mientras minimizan el riesgo.
¿Es Obligatorio Usar una LLC?
No, pero hay muchas razones por las cuales la mayoría de nuestros clientes lo hacen.
Ser propietario de un inmueble en EE.UU. como individuo puede exponerte a responsabilidades personales. Una LLC, en cambio, brinda una capa adicional de protección y puede simplificar tus declaraciones fiscales. Aunque no es un requisito para obtener financiamiento con America Mortgages, a menudo es una decisión inteligente según tus objetivos a largo plazo.
En America Mortgages facilitamos la inversión inmobiliaria en EE.UU. para extranjeros y expatriados. Parte de nuestro proceso es asegurar que la propiedad esté estructurada de manera que proteja tu inversión y se alinee con tus metas.
Por eso trabajamos con Nobility Consulting, nuestro socio de confianza en la formación de LLCs en EE.UU. Nobility Consulting se especializa en establecer LLCs para inversionistas extranjeros y expatriados estadounidenses, garantizando un proceso eficiente, conforme a las leyes y adaptado a tus necesidades.
Nuestro Webinar Reciente con Nobility Consulting
Si te lo perdiste, puedes verlo aquí.
Las LLCs se están convirtiendo en una de las formas más comunes de poseer propiedades en EE.UU. Para responder a las preguntas más frecuentes, organizamos un webinar con nuestro socio Nobility Consulting.
Temas que cubrimos: ✔️ Cómo establecer una LLC siendo extranjero ✔️ Si es necesario registrar tu LLC en el estado donde compras ✔️ Qué tipo de protección ofrece una LLC ✔️ Cómo una LLC puede brindar beneficios fiscales ✔️ Cómo America Mortgages y Nobility Consulting simplifican el proceso
👉 Conoce más sobre nuestra alianza con Nobility Consulting y cómo pueden ayudarte.
America Mortgages Facilita el Proceso
En America Mortgages hemos desarrollado un proceso ágil para ayudar a extranjeros y expatriados estadounidenses a comprar propiedades en los 50 estados, ya sea como individuos o a través de una LLC.
Ofrecemos: ✅ Financiamiento hasta el 75% LTV para inversionistas extranjeros ✅ Solo el 20% de entrada para expatriados estadounidenses ✅ No se requiere historial crediticio ni presencia en EE.UU. ✅ Aprobación basada en el ingreso por alquiler de la propiedad, sin necesidad de documentos de ingreso personal ✅ Servicios de concierge, incluyendo formación de LLC, consulta fiscal y seguros
Desde la solicitud hasta el cierre, nuestro equipo se especializa en hacer que invertir en bienes raíces en EE.UU. sea simple, rápido y sin estrés.
¿Listo para Comprar Propiedad a Través de una LLC?
Ya sea que inviertas en una casa unifamiliar en Florida o en un edificio multifamiliar en Texas, America Mortgages está aquí para guiarte.
1. ¿Puedo vivir en una propiedad que es propiedad de mi LLC? ¿Está permitido? Sí, está permitido. Sin embargo, generalmente no hay beneficio a menos que sea una propiedad de inversión. La mayoría de los prestamistas no financian viviendas ocupadas por el propietario bajo una estructura de LLC.
2. ¿Necesito formar una LLC en el estado donde estoy comprando la propiedad? No necesariamente. Algunos prestamistas pueden requerir que registres tu LLC como entidad extranjera en el estado donde compras, mientras que otros aceptan LLCs registradas en un estado diferente.
3. ¿Cómo obtengo un número EIN siendo extranjero? Debes solicitarlo manualmente ante el IRS, presentando el Formulario 2553 y los Artículos de Organización de tu LLC. Muchos inversionistas extranjeros prefieren trabajar con profesionales para manejar este proceso.
4. ¿Las tasas hipotecarias o los términos cambian si compro a través de una LLC? No. Las tasas y términos dependen del programa de préstamo y del perfil del prestatario, no de si compras como individuo o a través de una LLC.
有限责任公司（LLC）——外国投资者持有美国房产的秘密武器
您知道吗？有一种简单的策略可以帮助海外投资者保护其在美国的房产、降低税负，并简化遗产规划。
越来越多的外国投资者和美国海外侨民通过有限责任公司（LLC）购买美国房地产——这是有充分理由的。在 America Mortgages，我们每天都在帮助客户利用这一策略。
In the exclusive webinar, “Understanding the Setup and Benefits of a U.S. LLC for Real Estate,” Robert Chadwick, CEO of America Mortgages, and Lucee Cesena, CEO and Founder of Nobility Consulting, shared expert insights on why LLCs are becoming the go-to strategy for foreign investors and U.S. expats purchasing property in the United States.
For those who missed it, the recording is available here.
Remarks have been edited for clarity and brevity.
Are there benefits to living in a home that is owned by my own LLC? Is it even permitted?
LC: It’s permitted, but there’s no real benefit if you’re living in the home personally since you’re not making money from it. LLCs are generally used for investment or business properties. There could be liability protection if someone gets injured on the property, but many lenders may not allow lending to an LLC for an owner-occupied home.
Do you have to form the entity in the state you are buying your property in?
LC: It depends on the lender. Some may accept an LLC formed in another state, while others require the LLC to be registered as a foreign entity in the state where you’re buying property. It’s common to have one LLC registered in one state and then register it as a foreign entity in other states.
How do I get an EIN #?
LC: As a foreign national, you have to manually apply by submitting Form 2553 along with your articles of organization to the IRS. Alternatively, LC’s company can handle the process for you.
How does the loan process work, specifically the difference between the process of purchasing a home under an LLC vs. as an Individual?
RC: There’s no difference in the loan process whether purchasing under an LLC or as an individual. America Mortgages can do loans under both structures. The preference depends on the client’s goals.
What is a registered Agent?
LC: A registered agent is the person or entity designated to receive legal and important documents on behalf of the LLC. It’s required in every state where you set up an LLC, and there’s usually an annual fee for their service.
I am looking to purchase property through an LLC. For context, I am currently a foreign national but I live in the U.S. on a visa. I am wondering if I should get an accountant or should I do things by myself?
LC: It depends on your comfort level. You can do it yourself, but mistakes can be costly. Accountants typically focus on taxes and bookkeeping, while Nobility Consulting specializes in setting up entities quickly and correctly.
Are mortgage rates and terms different based on the state where the LLC is registered?
RC: No, mortgage rates and terms don’t vary based on the LLC’s state registration. Some states have different regulations (like prepayment penalties), but the terms are generally consistent across states.
Is it easier to obtain financing if the LLC has multiple members or co-investors?
RC: Not necessarily easier. Up to four members can be part of the LLC for mortgage purposes. However, members with over a 23% ownership stake may need to be included on the loan, depending on the program.
Hi Robert. If am hearing this correctly I don’t need a 20% down payment if am buying a property under LLC?
RC: No, the LLC structure doesn’t change the down payment requirements. Foreign nationals need a 25% down payment. U.S. expats with established U.S. credit can qualify with 20% down.
Are there any situations where an LLC would not provide full liability protection?
LC: Yes. While LLCs provide asset protection, a skilled attorney can potentially pierce the corporate veil, so it’s not guaranteed to offer 100% protection.
Any suggestions for how to build U.S. credit while living abroad if we don’t have a U.S. credit card?
RC: U.S. credit isn’t required for our foreign national loan programs. If you’re a U.S. expat without active U.S. credit, we treat you as a foreign national initially. Once you have the mortgage in place, over 24 to 36 months you can rebuild your credit history. After that, you may be able to refinance into a standard U.S. expat loan with better terms.
LC: You can also establish business credit by getting a DUNS number for your LLC and building credit through that entity.
I (mostly) understand the protection aspect of keeping rental properties in an LLC, but I thought the tax benefits were just pass-through. What are some of the ways that an LLC can benefit you come tax time?
LC: LLCs can reduce tax rates compared to personal income, and they allow you to deduct expenses like maintenance and upgrades, which lowers your taxable income.
Does Washington State require the LLC to be based in their state?
LC/RC: It depends on the lender. Some may require you to set up a foreign entity in Washington if your LLC is based elsewhere.
Does Nobility offer accounting / tax filing services?
LC: Nobility offers bookkeeping but does not offer tax filing services.
I currently have my U.S. visa so I am able to live and work in the U.S. I am currently awaiting my Green Card. From a loan perspective, is it more beneficial to wait until I am a permanent resident? In speaking with my America Mortgage rep, they told me the down payment is higher when not a U.S. permanent resident or citizen.
RC: Yes. Non-permanent residents are treated as foreign nationals, which means higher down payments (25%) and slightly higher rates. Waiting until you get your Green Card may improve terms.
Can I use my properties in Canada to refinance and secure funding for purchasing a new property in the U.S.?
RC: Yes, as long as you can show the source of funds through documentation (closing statement, proof of equity release, etc.) for AML compliance.
I had an LLC for 6-8 years. I let it close last year. I had seen my DUNS#. Can I reestablish my same LLC?
LC: It depends on the state and the reason for closure. Some states allow reinstatement within a time frame; others require starting a new LLC. The DUNS number is tied to the specific entity.
As a property owner in Canada, how can I leverage the equity in my Canadian properties to use as a down payment for a U.S. mortgage?
RC: You can’t pledge equity directly. You must refinance or sell the Canadian property to access funds, then use the cash as a down payment.
Tighter global credit conditions have made it increasingly difficult for borrowers to secure funding through traditional banks. When liquidity is needed quickly, the options are often limited. That’s where Global Mortgage Group (GMG) steps in.
We specialize in Asset-Backed Bridging Loans, enabling homeowners and investors to unlock equity from their properties in the U.S., UK (London), Australia, and Singapore—quickly, efficiently, and with minimal requirements.
What is an Asset-Backed Bridging Loan?
A bridging loan is a short-term financing solution (typically 1-2 years) designed to provide fast access to cash using your property as collateral. Unlike traditional loans, these loans do not require income verification—approval is based solely on the property’s value.
GMG Bridging Loan Highlights:
Fast Approval: 48 hours
Funding Timeline: Under 30 days (as fast as 7 days if no existing debt)
Loan Amount: Up to 70% of your property’s value
Eligible Properties: Primary residences, second homes, investment properties, commercial real estate, hospitality, Good Class Bungalows (GCBs), Shophouses, Landed homes, Condos, and more
Loan Term: Typically 1-2 years (not a replacement for a bank loan)
Age Restrictions: None
Qualification: Property value-based lending (no income verification required)
Repayment Structure: Interest-only, with an option to roll up interest payments
Regulatory Advantage: In Singapore, private loans are not subject to TDSR regulations
GMG has funded over $450M in the past 18 months, supporting high-value properties in key global markets.
Common Uses of Bridging Loans:
Acquiring new properties
Funding Golden Visa applications
Crypto investments
Tuition and healthcare expenses
Business working capital
High-value insurance premiums
Paying down expensive debt
Why Choose GMG?
Our team of ex-bankers understands the needs of sophisticated borrowers. We provide fast, discreet, and flexible financing solutions where traditional lenders fall short.
How Bridging Loans Work
Bridging loans serve as short-term financing to bridge the gap when banks cannot meet borrower needs for speed, loan-to-value (LTV), or certainty. These loans are secured against the property’s value, rather than the borrower’s personal financials. They typically feature interest-only payments, with the loan principal repaid at the end of the term.
If you need fast access to capital, GMG provides a seamless lending process with certainty and speed.
Examples of how we helped our clients
USA
A Southeast Asian family office owned two homes in California free and clear, worth $17M. Since the homes were empty and used as second homes, bank financing was not an option, and the client needed funding within a month to be repatriated back home for working capital. We secured an interest-only $10M loan for 2 years, funded in 2 weeks!
UK (London)
A private bank referred a client who needed to purchase a Golden Visa in Europe. However, since their country had capital controls, they were not able to move the required amount of funds in the necessary time frame. We secured a bridging loan against their U.K. prime real estate to be used for the Golden Visa investment. The terms were 1 year, 70% LTV, and funded in 3 weeks!
Singapore
Our client, a Singaporean entrepreneur, owns a $15 million landed property. To expand his retail business, he secured a $11.25 million bridge loan (75% LTV) over 12 months. This provided liquidity to complete his shophouse purchase without selling his bungalow, funded in 3 weeks!
Global Affiliate Program
If you have any friends or clients that require any global real estate financing, we pay a generous referral fee for any successful funding. Message me to learn more.
Accede al capital de tu vivienda internacional en efectivo
Las condiciones crediticias globales más estrictas han hecho que sea cada vez más difícil para los prestatarios obtener financiamiento a través de los bancos tradicionales. Cuando se necesita liquidez de manera rápida, las opciones suelen ser limitadas. Ahí es donde entra Global Mortgage Group (GMG).
Nos especializamos en Préstamos Puente Respaldados por Activos, lo que permite a propietarios e inversionistas desbloquear el capital de sus propiedades en EE. UU., Reino Unido (Londres), Australia y Singapur—de manera rápida, eficiente y con requisitos mínimos.
¿Qué es un Préstamo Puente Respaldado por Activos?
Un préstamo puente es una solución de financiamiento a corto plazo (normalmente de 1 a 2 años) diseñada para proporcionar acceso rápido a efectivo utilizando tu propiedad como garantía. A diferencia de los préstamos tradicionales, estos no requieren verificación de ingresos; la aprobación se basa únicamente en el valor de la propiedad.
Aspectos destacados del Préstamo Puente de GMG:
Aprobación Rápida: 48 horas
Plazo de Financiamiento: Menos de 30 días (tan rápido como 7 días si no existe deuda previa)
Monto del Préstamo: Hasta el 70% del valor de tu propiedad
Propiedades Elegibles: Residencias principales, segundas viviendas, propiedades de inversión, bienes raíces comerciales, hospitalidad, Good Class Bungalows (GCBs), Shophouses, casas unifamiliares, condominios, y más
Plazo del Préstamo: Generalmente de 1 a 2 años (no es un reemplazo de un préstamo bancario)
Restricciones de Edad: Ninguna
Calificación: Préstamo basado en el valor de la propiedad (no se requiere verificación de ingresos)
Estructura de Pago: Solo intereses, con la opción de acumular los pagos de intereses
Ventaja Regulatoria: En Singapur, los préstamos privados no están sujetos a las regulaciones de TDSR
GMG ha financiado más de $450 millones en los últimos 18 meses, apoyando propiedades de alto valor en los principales mercados globales.
Usos Comunes de los Préstamos Puente:
Adquisición de nuevas propiedades
Financiamiento para solicitudes de Visas Doradas
Inversiones en criptomonedas
Gastos educativos y de atención médica
Capital de trabajo para negocios
Primas de seguros de alto valor
Pago de deudas costosas
¿Por Qué Elegir GMG?
Nuestro equipo de exbanqueros comprende las necesidades de los prestatarios sofisticados. Ofrecemos soluciones de financiamiento rápidas, discretas y flexibles donde los prestamistas tradicionales no llegan.
Cómo Funcionan los Préstamos Puente
Los préstamos puente sirven como financiamiento a corto plazo para cubrir la brecha cuando los bancos no pueden satisfacer las necesidades del prestatario en cuanto a velocidad, relación préstamo-valor (LTV) o certeza. Estos préstamos están garantizados contra el valor de la propiedad, en lugar de los datos financieros personales del prestatario. Generalmente, presentan pagos solo de intereses, y el capital del préstamo se reembolsa al final del plazo.
Si necesitas acceso rápido a capital, GMG ofrece un proceso de préstamo sin complicaciones, con certeza y rapidez.
Ejemplos de Cómo Hemos Ayudado a Nuestros Clientes
EE. UU.
Un family office del sudeste asiático era propietario de dos viviendas en California, libres de cargas, con un valor de $17 millones. Dado que las viviendas estaban vacías y se usaban como segundas residencias, el financiamiento bancario no era una opción. El cliente necesitaba fondos en un mes para ser repatriados a su país y usarlos como capital de trabajo. ¡Aseguramos un préstamo de $10 millones, solo intereses, por 2 años, financiado en 2 semanas!
Reino Unido (Londres)
Un banco privado nos refirió a un cliente que necesitaba adquirir una Visa Dorada en Europa. Sin embargo, debido a los controles de capital de su país, no podía mover los fondos requeridos en el plazo necesario. Aseguramos un préstamo puente contra su propiedad prime en el Reino Unido para ser utilizado en la inversión de la Visa Dorada. Las condiciones fueron de 1 año, 70% LTV, ¡y fue financiado en 3 semanas!
Singapur
Nuestro cliente, un empresario singapurense, es propietario de una casa unifamiliar valorada en $15 millones. Para expandir su negocio minorista, obtuvo un préstamo puente de $11.25 millones (75% LTV) a 12 meses. Esto le proporcionó la liquidez necesaria para completar la compra de su shophouse sin vender su bungalow, ¡financiado en 3 semanas!
Programa de Afiliados Global
Si tienes amigos o clientes que necesiten financiamiento inmobiliario global, pagamos una generosa comisión por cualquier financiamiento exitoso. Escríbeme para saber más.
In our continued effort to better serve our clients, we are expanding our funding lines. This initiative is designed to provide even greater flexibility in financing your U.S. real estate investments. By broadening our funding options, we aim to enhance your borrowing capacity and streamline the mortgage process.
A Smarter Approach to U.S. Real Estate Financing
At America Mortgages, we only focus on helping non-resident investors—whether you’re a foreign national or a U.S. expat—secure U.S. investment properties. Our Common Sense Underwriting approach ensures that loans are qualified based on the property’s cash flow rather than just personal income.
And now, with our expanded funding lines, we’re offering even more solutions tailored to your unique financial situation.
Why It Makes Sense
Imagine buying a large commercial building and generating rental income. Would you qualify based on your personal income? No—you’d rely on the property’s cash flow. That’s exactly how our AM Investor+ Loan Program works. If the property’s rental income can support the mortgage, then the loan qualifies. It’s that simple!
Key Benefits of AM Investor+ Mortgage Loans
Flexible Approval Criteria No income or debt disclosures required. Instead, we qualify the loan based on the rental income potential of the property.
Faster Processing With fewer documentation requirements, our streamlined process ensures quick approvals—so you can act fast on investment opportunities.
Privacy Protection No need to provide personal income documents, making it ideal for U.S. expats and foreign investors who value financial privacy.
Higher Loan Amounts Up to 80% loan-to-value (LTV), allowing you to finance high-value properties without the restrictions of traditional underwriting.
Diverse Loan Options Choose from 30-year fixed-rate mortgages or 10-year fixed-interest-only loans, giving you flexibility to structure your investment to maximize your rental yield while still maintaining the stability of a fixed long-term rate (regardless of the borrower’s age)
Entity or Personal Ownership Want to own the property in a U.S. entity such as an LLC in order to give you additional liability protection? No problem. Prefer to own in your personal name? Not an issue either. One of the reasons America Mortgages is the industry leader in non-resident lending is its flexible options.
Additional Highlights
✔ Simplified Qualification: No tax returns or income verification needed—just proof of assets and a minimum down payment of 25%.
✔ Streamlined Asset Verification: Property rental income is assessed through an appraisal that considers local market trends.
✔ Market Advantage: According to Business Times, mortgage rates have dropped for five consecutive weeks, making this the perfect time to invest in U.S. real estate.
Is the AM Investor+ Right for You?
If you’re a U.S. expat or foreign investor looking for a simplified, flexible financing solution, our AM Investor+ Program is designed for you. With our newly expanded funding options, America Mortgages continues to lead the market in financing solutions for non-resident investors.
America Mortgages has one job – helping foreign nationals and U.S. expats secure U.S. mortgages. Ready to take the next step? Contact us today at [email protected] or schedule a commitment-free consultation with one of our U.S. loan officers.
If you’d like to discuss U.S. mortgage loans in more detail, you can reach a U.S. loan officer 24 hours a day, 7 days a week at +1 845-583-0830.
Nuevo Programa de Préstamos: Más Financiamiento y Menos Complicaciones para Inversores Extranjeros y Expats
En nuestro esfuerzo continuo por servir mejor a nuestros clientes, estamos ampliando nuestras líneas de financiamiento. Esta iniciativa está diseñada para proporcionar una mayor flexibilidad en el financiamiento de sus inversiones inmobiliarias en los Estados Unidos. Al ampliar nuestras opciones de financiamiento, buscamos mejorar su capacidad de endeudamiento y agilizar el proceso hipotecario.
Un Enfoque Más Inteligente para el Financiamiento Inmobiliario en EE.UU.
En America Mortgages, nos enfocamos exclusivamente en ayudar a inversores no residentes—ya sean extranjeros o expats estadounidenses—a asegurar propiedades de inversión en EE.UU. Nuestro enfoque de “Common Sense Underwriting” garantiza que los préstamos se califiquen en función del flujo de caja de la propiedad en lugar de solo los ingresos personales.
Ahora, con nuestras líneas de financiamiento ampliadas, ofrecemos aún más soluciones adaptadas a su situación financiera única.
Por Qué Tiene Sentido
Imagine comprar un gran edificio comercial que genera ingresos por alquiler. ¿Calificaría basado en sus ingresos personales? No—usted dependería del flujo de caja de la propiedad. ¡Eso es exactamente cómo funciona nuestro Programa de Préstamos AM Investor+! Si los ingresos por alquiler de la propiedad pueden respaldar la hipoteca, entonces el préstamo califica. ¡Así de simple!
Beneficios Clave de los Préstamos Hipotecarios AM Investor+
Criterios de Aprobación Flexibles No se requieren divulgaciones de ingresos o deudas. En su lugar, calificamos el préstamo en función del potencial de ingresos por alquiler de la propiedad.
Procesamiento Más Rápido Con menos requisitos de documentación, nuestro proceso simplificado asegura aprobaciones rápidas—para que pueda actuar rápidamente en oportunidades de inversión.
Protección de la Privacidad No es necesario proporcionar documentos de ingresos personales, lo que lo hace ideal para expats estadounidenses e inversores extranjeros que valoran la privacidad financiera.
Montos de Préstamo Más Altos Hasta un 80% de préstamo sobre el valor (LTV), lo que le permite financiar propiedades de alto valor sin las restricciones de la suscripción tradicional.
Diversas Opciones de Préstamo Elija entre hipotecas de tasa fija a 30 años o préstamos de solo interés fijo a 10 años, brindándole flexibilidad para estructurar su inversión y maximizar su rendimiento de alquiler mientras mantiene la estabilidad de una tasa fija a largo plazo.
Si usted es un expatriado estadounidense o un inversionista extranjero que busca una solución de financiamiento simplificada y flexible, nuestro Programa AM Investor+ está diseñado para usted. Con nuestras opciones de financiamiento recientemente ampliadas, America Mortgages continúa liderando el mercado en soluciones de financiamiento para inversionistas no residentes.
America Mortgages tiene una única misión: ayudar a los ciudadanos extranjeros y expatriados estadounidenses a obtener hipotecas en EE.UU. ¿Listo para dar el siguiente paso? Contáctenos hoy en [email protected] o agende una consulta sin compromiso con uno de nuestros asesores hipotecarios en EE.UU.
Si desea discutir los préstamos hipotecarios en EE.UU. con más detalle, puede comunicarse con un asesor hipotecario estadounidense las 24 horas del día, los 7 días de la semana en +1 845-583-0830.
The U.S. short-term rental (STR) market continues to be one of the most profitable real estate investment opportunities for both U.S. expats and foreign national investors. Demand remains strong, with the U.S. STR bookings up 7% year-over-year in 2024 and occupancy rates projected to reach 56% by the end of 2025, according to AirDNA. Platforms like Airbnb and Vrbo have made it easier than ever to turn vacation homes and rental properties into steady income streams. However, financing these properties—especially for foreign nationals and U.S. expats—can often be the biggest hurdle.
That’s where America Mortgages’ Short-Term Rental+ loan program steps in.
This specialized financing solution is built specifically for international investors and U.S. expats looking to break into the U.S. STR market—without the typical roadblocks.
Why It Works for Investors
Unlike traditional mortgage products that require U.S. credit history or proof of personal income, AM Short-Term Rental+ is different.
If the projected short-term rental income covers your mortgage payment—you qualify. It’s that simple.
Key Benefits:
Minimum Loan Amount: Starting from $100,000
Loan-to-Value: Up to 80% for U.S. citizens and 75% for foreign nationals
Underwriting: Based on the property’s rental income, with no personal income documents required
Credit Requirements: No U.S. credit required
Closing Time: Typically 30-45 days
Tailored Financing for U.S. STR Investments
Whether you’re buying a beach house in Florida, a cabin in the Smoky Mountains, or an urban loft in Austin, the U.S. STR market is full of opportunities. With rising rental demand and average daily rates increasing year over year, securing the right financing is key to maximizing your returns.
The AM Short-Term Rental+ program makes that financing possible—no U.S. credit score, no W-2s, just the property’s income potential.
Short-term rentals aren’t the only profitable path for foreign investors looking at U.S. real estate. Last week, we explored Section 8 investing—a strategy that offers guaranteed rental income through government-backed tenants.
Missed Our STR Webinar?
If you haven’t already, watch our exclusive webinar, “Unlock the Secrets to U.S. Airbnb & Short-Term Rentals.” 👉 Recording Available Here
Key Q&A Takeaways with Robert Chadwick (RC) and Rob Mehta (RM):
How do STR investors protect their investments during slow periods? RM: Risk is higher on the coasts due to weather and insurance costs, but demand stays strong in peak seasons. Adjusting rates in slower months and using the property personally during downtime are common approaches.
What types of properties and upgrades perform best? RM: Private pools for single-family homes are essential, while condos with amenities like gyms and community pools attract families. Proximity to restaurants and attractions boosts bookings and reviews.
How long does it take for non-U.S. citizens to get financing? RC: Pre-approval within 24-72 hours; closing typically in 30-45 days. No U.S. credit is required.
Most popular financing option for STR investors? RC: AM Short-Term Rental+ Loan—qualifies based on rental income, not personal income.
What’s the current rate for a 30-year fixed mortgage? RC: High 6% range for U.S. citizens, typically 0.5% to 1% higher for foreign nationals.
Whether you’re a foreign investor looking to maximize U.S. rental income or a U.S. expat seeking to build your property portfolio, our Short-Term Rental+ Loan gives you the financing solution to make it happen—fast.
Speak to our team today and start unlocking the U.S. STR market.
Schedule a call with a loan officer to discuss how the Short-Term Rental+ Loan can work for you
El mercado de alquileres a corto plazo (STR, por sus siglas en inglés) en Estados Unidos sigue siendo una de las oportunidades de inversión inmobiliaria más rentables tanto para los expatriados estadounidenses como para los inversores extranjeros. La demanda se mantiene fuerte, con un aumento del 7% en las reservas de STR en EE. UU. en 2024 en comparación con el año anterior, y se proyecta que las tasas de ocupación alcancen el 56% para finales de 2025, según AirDNA. Plataformas como Airbnb y Vrbo han facilitado más que nunca convertir casas de vacaciones y propiedades en alquiler en fuentes de ingresos constantes. Sin embargo, financiar estas propiedades—especialmente para extranjeros y expatriados estadounidenses—suele ser el mayor desafío.
Ahí es donde entra el programa de préstamos Short-Term Rental+ de America Mortgages.
Esta solución de financiamiento especializada está diseñada específicamente para inversores internacionales y expatriados estadounidenses que buscan ingresar al mercado de alquileres a corto plazo en EE. UU., sin los obstáculos tradicionales.
¿Por Qué Funciona Para Los Inversores?
A diferencia de los productos hipotecarios tradicionales que exigen historial crediticio en EE. UU. o comprobantes de ingresos personales, el programa Short-Term Rental+ de AM es diferente.
Calificas en función de los ingresos proyectados por alquiler de la propiedad, no de tus ingresos personales.
Si el ingreso proyectado del alquiler a corto plazo cubre el pago de la hipoteca, calificas. Así de simple.
Beneficios Clave: Monto mínimo del préstamo: Desde $100,000 Relación préstamo-valor (LTV): Hasta el 80% para ciudadanos estadounidenses y el 75% para extranjeros Evaluación crediticia: Basada en los ingresos por alquiler de la propiedad, sin necesidad de documentos de ingresos personales Requisitos de crédito: No se requiere historial crediticio en EE. UU. Tiempo de cierre: Generalmente de 30 a 45 días
Financiamiento Personalizado Para Inversiones STR en EE. UU.
Ya sea que estés comprando una casa en la playa en Florida, una cabaña en las Smoky Mountains o un loft urbano en Austin, el mercado STR de EE. UU. está lleno de oportunidades. Con una creciente demanda de alquileres y tarifas diarias promedio en aumento año tras año, asegurar el financiamiento adecuado es clave para maximizar tus rendimientos.
El programa Short-Term Rental+ de AM hace posible ese financiamiento: sin puntaje crediticio en EE. UU., sin W-2, solo el potencial de ingresos de la propiedad.
Los alquileres a corto plazo no son la única vía rentable para los inversores extranjeros interesados en bienes raíces en EE. UU. La semana pasada exploramos la inversión en propiedades bajo la Sección 8, una estrategia que ofrece ingresos de alquiler garantizados a través de inquilinos respaldados por el gobierno.
¿Te Perdiste Nuestro Webinar Sobre STR?
Si aún no lo has hecho, mira nuestro webinar exclusivo: “Descubre los Secretos de Airbnb y Alquileres a Corto Plazo en EE. UU.” 👉 Grabación Disponible Aquí
Preguntas y Respuestas Clave con Robert Chadwick (RC) y Rob Mehta (RM):
¿Cómo protegen los inversores STR sus inversiones durante los períodos lentos? RM: El riesgo es mayor en las zonas costeras debido al clima y a los costos de seguros, pero la demanda sigue fuerte en temporadas altas. Ajustar las tarifas en los meses más lentos y usar la propiedad de manera personal durante esos tiempos son enfoques comunes.
¿Qué tipos de propiedades y mejoras ofrecen mejor rendimiento? RM: Las casas unifamiliares con piscinas privadas son esenciales. Los condominios con amenidades como gimnasios y piscinas comunitarias atraen a las familias. La proximidad a restaurantes y atracciones mejora las reservas y las reseñas.
¿Cuánto tiempo tarda un extranjero en obtener financiamiento? RC: Preaprobación en 24 a 72 horas; el cierre generalmente toma de 30 a 45 días. No se requiere historial crediticio en EE. UU.
¿Cuál es la opción de financiamiento más popular para los inversores STR? RC: El préstamo AM Short-Term Rental+—se califica en función de los ingresos por alquiler, no de los ingresos personales.
¿Cuál es la tasa actual para una hipoteca fija a 30 años? RC: En el rango alto del 6% para ciudadanos estadounidenses, y típicamente entre un 0.5% y un 1% más alta para los extranjeros. 👉 Lee la sesión completa de Preguntas y Respuestas Aquí.
¿Listo para Invertir?
Ya sea que seas un inversor extranjero buscando maximizar ingresos de alquiler en EE. UU. o un expatriado estadounidense interesado en construir tu portafolio de propiedades, nuestro préstamo Short-Term Rental+ te ofrece la solución de financiamiento que necesitas—rápidamente.
Habla hoy con nuestro equipo y comienza a desbloquear el mercado de alquileres a corto plazo en EE. UU.
Agenda una llamada con un oficial de préstamos para analizar cómo el Short-Term Rental+ puede funcionar para ti Llámanos directamente al +1 (845) 583-0830 para asistencia inmediata Escríbenos a [email protected] Visítanos en www.americamortgages.com para conocer más sobre este programa único
In the exclusive webinar, “Unlock the Secrets to U.S. Airbnb & Short-Term Rentals,” Robert Chadwick, CEO of America Mortgages, and Rob Mehta, U.S. Real Estate Investment Expert, shared expert insights into the booming short-term rental (STR) sector, with a focus on Florida’s most promising investment opportunities.
For those who missed it, the recording is available here.
During the session, RC and RM addressed key questions, covering market trends, property performance comparisons, and tailored financing solutions designed specifically for foreign nationals and U.S. expats investing from abroad.
Remarks have been edited for clarity and brevity.
Given Florida’s hurricane seasons and insurance challenges, how do STR investors protect their investments and stay profitable during slow periods?
RM: Hurricanes and the weather are definitely an ongoing concern. Your risk is higher on the coasts, and that reflects in higher insurance costs, which can cut into profitability. However, demand for short-term rentals in coastal markets is also very strong, which balances things out. Investors should be aware that during slower seasons, they may need to adjust pricing to remain competitive. Many owners also choose to use their own properties during off-seasons as a way to maximize value while waiting for demand to rise again.
What are your thoughts on the competing markets within Florida – for example, how does investing in Orlando’s tourist corridor compare to beachfront properties in Tampa or Miami in terms of ROI and occupancy rates?
RM: It mostly comes down to volatility. Coastal markets tend to be more seasonal, with stronger swings in occupancy and pricing, whereas Central Florida—particularly Orlando—is a much more stable market year-round. Orlando is the largest family travel market in the state, and demand remains fairly consistent because of theme parks like Disney and Universal. That said, ROI often ends up being higher in markets that experience greater volatility, but of course, that also means a higher level of risk.
What amenities or property upgrades tend to deliver the best return on investment for Florida STRs?
RM: For villa-style properties, having a private pool is essential. It’s one of the top features guests look for, and homes with pools consistently outperform those without. When it comes to condos, amenities like a community pool, playgrounds, walking paths, and access to a fitness center or clubhouse are key. Another major factor is proximity to restaurants, shopping, and entertainment. That plays directly into guest satisfaction, which then impacts reviews—and ultimately, bookings.
What types of properties—condos, single-family homes—tend to perform best as STRs?
RM: It really depends on location more than property type. Condos tend to have higher HOA fees, which can eat into profitability, while single-family homes generally have fewer ongoing costs. That said, condos often come with built-in amenities that attract guests, while single-family homes provide more space and privacy, which can be a big advantage in certain markets.
Did I hear that the first 10 years are interest-only payments?
RC: Yes, we offer a 10-year interest-only option. For the first 10 years, you’ll only pay interest. After that, the loan converts to principal and interest payments for the remaining 20 years—at the same fixed rate.
For the 10-year interest-only – is that optional or mandatory?
RC: It’s optional. You can choose between the 10-year interest-only option or a fully amortizing 30-year fixed-rate loan, depending on your preference.
How much is the AM application fee?
RC: There’s no application fee. You can submit your documents securely, and we typically issue pre-approvals within 24 to 72 hours.
I’m not a U.S. citizen, so how long would it take for me to get mortgage approval with America Mortgages?
RC: The process is quite fast. Once your documents are submitted, pre-approval can be issued in 24 to 72 hours. Full loan approval and closing usually take around 30 to 45 days. No U.S. credit history is required.
Hi Robert, can you give a breakdown of your service fees, with rough estimates?
RC: Our origination fee is typically 2% of the loan amount, payable only upon closing. Standard closing costs—like title, escrow, and insurance—are similar to what U.S. citizens pay and vary by state. Everything is transparent, and all fees are disclosed upfront. Some of these costs may be tax-deductible, so we always recommend checking with a tax advisor.
Which loan program is the most popular for investors keen on short-term rentals?
RC: The Short-Term Rental (STR) Loan Program is the most popular. It qualifies you based on the property’s rental income, not your personal income. Sometimes, the Loan-to-Value (LTV) is a little lower, around 65%, compared to 75% for long-term rental loans. Some clients also qualify based on long-term rental income and later operate the property as a short-term rental.
Which states do you handle property management in?
RM: We don’t directly manage properties, but we work closely with property managers across the U.S., especially in Florida, and can connect you with trusted partners. Full-service STR management typically costs 15-25% of rental income, while booking-only services are around 10-15%.
Can you share examples of effective marketing strategies for Florida STRs on platforms like Airbnb, especially during slower seasons?
RM: Transparent pricing is key—avoid adding hidden fees like cleaning separately. Bundle it into your nightly rate to prevent deterring guests. Listings should be accurate, especially regarding access details and amenities, as guest complaints can hurt your reviews. Work with managers who list your property across multiple platforms like Airbnb, Vrbo, and Booking.com. Using dynamic pricing tools is crucial to stay competitive, and setting a minimum rate—like $150 per night—can protect your margins while still allowing for flexibility in the off-season.
What is the current rate for the 30-year fixed?
RC: Rates for U.S. citizens are currently floating just below 7%, typically in the high 6% range up to 7%. For non-U.S. citizens, rates are generally about 0.5% to 1% higher than U.S. citizen rates.
Would you recommend buying a condo in Orlando for STR, given the new law on condos and higher HOA fees?
RM: Condos in Orlando can still be a good investment, but you need to do your homework. The new condo laws, introduced after the Surfside collapse, mostly impact older high-rise buildings. They require more structural inspections and reserve funds, which can increase HOA fees. Also, check that short-term rentals are actually allowed, as many condos prohibit them. While condos can generate good income, single-family homes and townhouses often appreciate better and may have lower fees.
America Mortgages Inc. is a mortgage broker focusing only on U.S. Expats and Foreign Nationals living overseas. We offer over 150 U.S. bank and lender programs direct to our international clients. America Mortgages is wholly-owned by Global Mortgage Group Pte. Ltd. an international mortgage specialist based in Singapore.
