When you think of a mortgage, you probably imagine a buyer who needs financing to afford their home. In the luxury real estate market, even billionaires who could pay cash often choose to borrow.
Take Beyoncé and Jay-Z. According to The Real Deal, the power couple, worth over $3 billion, recently took out a second mortgage of nearly $60 million on their Bel Air mansion, bringing their total property debt to more than $110 million. This is despite purchasing the estate for $88 million cash in 2017.
Their Bel Air home is more than just an address; it features 8 bedrooms, 11 bathrooms, and four outdoor swimming pools. Between property taxes and mortgage payments, they are spending an estimated $650,000 each month.
They are not alone in this approach. Billionaire investor Nelson Peltz recently borrowed $68.5 million on his Palm Beach estate, adding to the $40 million loan he took in 2022.
Why would the ultra-wealthy take on this kind of debt? According to tax law scholar Edward McCaffery, the answer lies in a well-known wealth strategy called Buy, Borrow, Die:
- Buy – Acquire high-value assets such as prime real estate, art, or stocks.
- Borrow – Use those assets as collateral to secure loans. The borrowed funds can be used for investments, acquisitions, or lifestyle expenses. Borrowed money is not taxed as income, and interest rates are typically lower than the taxes owed if the assets were sold.
- Die – Pass the assets to heirs, who inherit them with minimal tax liability while settling any remaining loans.
This system enables the wealthy to keep their capital invested, avoid triggering taxable sales, and continue building wealth over decades.
How America Mortgages Can Help You Achieve the Same Advantage
You do not need to be a billionaire to benefit from the same principles. America Mortgages works with foreign nationals, U.S. expats, and global investors to structure U.S. mortgage financing that:
- Unlocks equity in your property without forcing you to sell
- Frees up liquidity for new investments while your property continues to appreciate
- Uses competitive long-term fixed rates to stabilize costs while maximizing growth potential
- Preserves your wealth by reducing taxable events and allowing you to strategically leverage your assets
With America Mortgages you enjoy:
- No U.S. credit score required
- Foreign income accepted for qualification
- Financing up to 75–80% LTV (Larger loans may have LTV restrictions)
- No U.S. residency or visa needed
- Loans available for investment, vacation, or primary homes
- Fast closings, sometimes in as little as 30 days
Whether you own a $500,000 condo or a $50 million estate, our U.S. lending team specializes in adapting these proven wealth strategies to your portfolio. We give you access to the same tools the ultra-wealthy have used for decades to grow, protect, and transfer their wealth.
Why this is no longer only for the wealthy
Since the concept started, wealthy individuals have leveraged asset-based lending (ABL) as a strategic tool to amplify their wealth without liquidating valuable holdings, allowing them to maintain ownership and benefit from long-term appreciation. By using assets such as real estate, securities portfolios, art collections, or business inventory as collateral, they secure loans at lower interest rates compared to unsecured borrowing, reducing overall borrowing costs and preserving cash flow for high-return investments.
This approach enables diversification into new ventures, like acquiring additional properties or funding startups, while avoiding capital gains taxes that would arise from selling assets outright.
Furthermore, the interest on these loans is often tax-deductible when used for investment purposes, creating a compounding effect on wealth growth.
America Mortgages’ ABL also provides liquidity during market volatility, empowering the wealthy to seize opportunistic deals or bridge short-term needs without disrupting their asset base, ultimately turning dormant equity into active capital that generates exponential returns.
In recent years, America Mortgages’ asset-based lending has democratized, becoming accessible to everyday individuals who recognize its potential, thanks to advancements in alternative finance models that bypass traditional banking hurdles. No longer confined to high-net-worth clients of elite institutions, America Mortgages’ ABL is now offered through our network with a broader range of collateral, including personal investments like stocks, cryptocurrencies, or even intellectual property, with streamlined approval processes powered by a global network and not the usual stringent options.
This shift empowers savvy borrowers, regardless of wealth level to unlock hidden value in their assets, borrow at competitive rates, and invest in wealth-building opportunities.
With increased financial literacy resources available online, anyone with the foresight to assess risks and align ABL with their goals can harness it to build generational wealth, leveling the playing field in a way that was unimaginable a decade ago.
Ready to see how this could work for you? Contact America Mortgages
today to discuss a tailored financing plan that works for your goals.
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.
