Tariffs Just Made U.S. Real Estate More Valuable—Here’s Why Canadians Should Pay Attention

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.

Let America Mortgages guide your next move.

📞 Ready to Explore U.S. Real Estate from Canada?

📍 Call us 24/7: +1 (845) 583-0830
📧 Email: [email protected]
🌐 Visit: www.americamortgages.com

We’re here to help Canadian investors buy smarter, faster, and with confidence.

What Do NNN, NOI, and Cap Rate Actually Mean?

If you’re new to commercial real estate investing in the USA, you’re probably running into a lot of unfamiliar terms and acronyms. It can feel like learning a new language—but don’t worry, it’s simpler than it seems.

Three of the most common terms you’ll see in listings are NNN, NOI, and Cap Rate. Here’s what they really mean—and why they matter.

Let’s start with NNN.

This stands for Triple Net Lease, and it refers to a lease structure where the tenant, not the landlord, pays for three key property expenses: property taxes, building insurance, and maintenance / management costs. These are often referred to as the “three nets.” So, when you see “NNN lease,” it means the tenant is covering those costs, which leaves the landlord (you) with fewer ongoing expenses.

It’s also worth noting that these three costs are listed in order of priority. You can sometimes delay maintenance (not recommended), but you can’t delay paying property taxes. If you do, the county could take and sell your property to recover what’s owed.

Next is NOI, which stands for Net Operating Income.

This is one of the most important numbers in real estate. It’s calculated by taking your total rental income and subtracting all of your operating expenses—including those NNN costs if you’re responsible for them. What’s left is your NOI. It tells you how much money the property is actually making before debt payments and taxes.

Finally, we have Cap Rate, or Capitalization Rate.

This is a quick way to estimate the return on a property. Once you’ve calculated your NOI, you can figure out the Cap Rate by dividing that number by the purchase price of the property. For example, if a property produces $100,000 a year in NOI and the purchase price is $1 million, the Cap Rate is 10%.

Cap Rate = NOI ÷ Purchase Price

This gives you a snapshot of how profitable a property is right now. It doesn’t take future changes into account, like increased rents or renovation costs. For long-term planning and forecasting, you’d use a different metric called IRR (Internal Rate of Return)—but we’ll save that for another post.

If you’re just starting out, understanding these three terms—NNN, NOI, and Cap Rate—can give you a major head start when evaluating commercial real estate opportunities.

We specialize in helping foreign nationals invest in U.S. commercial real estate, and we’re here to help you understand the financing process, the numbers, and the strategy behind each deal. We’re not just lenders—we’re active investors and developers ourselves.

So, give us a call and let’s talk about your next deal.

Lance Langenhoven

Head of Commercial Lending

[email protected]

The Difference Between Cap Rate and IRR

Some investors won’t move forward on a deal if the cap rate is too low. In some cases, they can’t even calculate a cap rate because there’s no income yet. A good example of that is buying vacant land for a future development.

Personally, I prefer to invest in deals where the IRR, or Internal Rate of Return, shows a potential return of at least 20% on an all-cash basis. If it’s a development project, I’m aiming for 30%. Even though I usually use financing, I always start with the all-cash IRR. It’s a reality check.

It’s really easy to get pulled into a deal just because the IRR looks great when financing is included. But the risk can be much higher than it seems, and if things don’t go as planned, you could end up dealing with a foreclosure.

So here’s how I approach it. If the all-cash IRR looks solid, I’ll then run a second IRR analysis using financing. That version will naturally show a higher return, but I already know the deal works without needing debt to make it pencil out.

Now you might be thinking: how is a strong IRR possible if the cap rate is super low, or even zero, on day one?

Here’s the thing. Cap rate is just a snapshot of the property’s income at the time you buy it. It can’t see into the future. It doesn’t know what you plan to do with the property. Think of it like a still photo taken on closing day.

IRR, on the other hand, is like a video. It starts the day you close and continues through the full hold period, typically five years. It sees everything you’re planning to do.

For example, maybe you’re buying an apartment building that’s only 50% occupied. The IRR sees your renovation plan. It sees you increasing rents by 25% once the upgrades are done. It sees your improved management pushing occupancy to 95% within a year. And it sees continued rent growth year after year.

Eventually, the video gets to the point where you sell the property, now in excellent condition and in a highly desirable location—say, near the beach in California. Thanks to all the improvements, you’re able to sell at a strong price with a final cap rate of 5%. That’s why the IRR looks attractive, even though the cap rate at purchase didn’t.

Another thing to remember is that an IRR calculation always includes an exit event to complete the picture, even if you’re not planning to sell. A lot of investors refinance instead, pull some equity out, and roll it into the next deal.

So next time you’re evaluating a commercial property, don’t get discouraged if the cap rate looks weak. Focus on your business plan. Understand the upside. And work with someone who can help you run the IRR numbers correctly.

By the way, we love working with foreign nationals investing in U.S. commercial real estate. Not only can we help with financing, we’re active investors and developers ourselves.

Contact me today and let’s talk about your next deal.

Lance Langenhoven

Head of Commercial Lending

[email protected]

Commercial Real Estate News: Stay Informed, Stay Ahead

If you’re planning to invest in commercial real estate in the USA, keeping a close eye on the news is absolutely essential.

Market dynamics change quickly—whether it’s interest rate shifts, zoning changes, new developments, or large acquisitions in your target area. Being plugged into the right news sources can give you an edge and help you make smarter, faster decisions.

Here Are Some Top Commercial Real Estate News Sources:

A mix of free and paid options, so you can choose what fits best:

Some of these platforms cover national trends, while others allow you to zoom in on specific cities or regions, which is especially valuable if you’re targeting a particular market.

Why This Matters (Especially for Foreign Investors)

If you’re a foreign national investing in U.S. commercial real estate, staying on top of local market news is even more critical. These platforms help you stay informed about:

  • Local developments
  • Investment opportunities
  • Legal and regulatory changes
  • Major tenant or landlord activity
  • Shifts in cap rates, rents, and valuations

Knowing what’s happening in the market—before others do—can help you move quickly on a great deal or avoid a potential pitfall.

We love working with foreign nationals investing in U.S. commercial real estate, helping them secure the financing they need to succeed. We’re not just lenders—we’re active investors and developers too, so we understand what it takes to navigate the U.S. market.

Contact us and let’s discuss your next deal.

Lance Langenhoven

Head of Commercial Lending

[email protected]

Tariffs Just Made U.S. Real Estate More Valuable—Here’s Why

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.

Email us at [email protected] 

Visit us online at www.americamortgages.com

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.

📞 Llámanos las 24 horas, los 7 días de la semana, al +1 (845) 583-0830
✉️ Escríbenos a [email protected]
🌐 Visítanos en www.americamortgages.com

关税正在提升美国房地产价值——原因在这里

当“关税”登上新闻头条时，大多数人首先想到的是贸易战、进口商品价格上涨和经济不确定性。但对于希望投资美国房地产的海外人士来说，尤其是非美国居民和旅居海外的美国公民，关税实际上可能带来意想不到的投资机会。

无论你是计划扩大房地产投资组合，还是打算从海外购买你的第一套美国投资房产，了解关税如何影响美国房地产市场，将有助于你做出更明智、更具战略性的投资决策。

关税如何影响美国房地产市场

尽管关税通常被视为贸易政策工具，但其连锁反应也波及房地产行业。在某些情况下，它们甚至可能为海外投资者创造有利的投资窗口，前提是你知道从哪里以及如何着手。

1. 关税推动制造业回流，美国房地产随之受益

关税的一个核心目的，是减少对进口的依赖，鼓励企业将制造业迁回美国。根据CBRE世邦魏理仕的研究，制造业回流趋势可能在未来几年带来2500亿美元的新制造投资，尤其集中在二线和新兴城市。

这些投资往往会带动就业增长、人口流入和基础设施建设，从而推高当地的住宅和商业房地产价值。对于海外投资者来说，这意味着有机会早期进入这些仍处于价值洼地、但未来增长潜力巨大的地区市场。

2. 商业地产需求持续上升

CBRE 报告指出，美国工业地产租赁活动达到了历史新高，其中一个主要推动力正是企业为应对关税而调整供应链。港口、内陆物流中心以及配送走廊成为企业布局的热点。

这为关注高租金回报的海外投资者提供了商业地产的切入点，尤其是在需求旺盛的物流枢纽区域。

3. 关税可能提升现有房产价值

据Yahoo财经报道，关税将显著推高建筑材料成本。以2018年为例，钢铁和铝的关税使材料成本上升了10%到15%，根据HCC西语建筑协会的数据，仅一年时间就增加了10亿美元的建筑成本。

更高的建造成本常常导致新建项目减缓甚至停滞，使得住房供应在热门市场趋紧。对于关注现有房产的投资者而言，这种供需紧张的局面将有助于租金收益和资产增值。

4. 现有房主的房产可能升值

尽管高建造成本对开发商形成压力，但对现有房主来说，却可能带来资产增值的利好。Yahoo财经文章指出，专家认为随着重建成本上涨，现有房产的市场价值可能随之提升，尤其在那些供应紧缺、需求稳定的市场更为明显。

因此，对于希望实现长期资本增值的海外投资者来说，趁关税全面生效之前进行购买，是一个具吸引力的时机。

5. 有远见的买家现在可以锁定价值

关税也带来了通胀风险和利率上升的压力。据Yahoo财经报道，专家建议买家应考虑提前购房，以避免未来潜在的价格上涨，并尽早锁定固定利率贷款。

对于非美国居民来说，尤其是通过America Mortgages进行融资的投资者，这是一段理想的时间窗口，可以在利率仍具竞争力的情况下完成融资，避免未来建材价格上涨被转嫁至房价中。

信心把握市场机会

关税只是全球经济格局中的一个因素，但对海外投资者来说，它可能创造出独特的房地产机会。从地区发展、工业扩张到供应紧缩带来的资产升值——远比表面上的贸易话题更具投资意义。

在 America Mortgages，我们专注于为海外投资者与美国侨民提供定制化的美国房贷解决方案。无需美国信用记录或美国本地收入，也可以成功获得贷款。

让我们的国际贷款专家为你量身定制解决方案。
立即开始你的美国房地产投资之旅！

📞 24小时全年无休电话：+1 (845) 583-0830
✉️ 邮箱：[email protected]
🌐 官网：www.americamortgages.com

America Mortgages – 专注为全球投资者和美国海外人士提供美国房贷解决方案。

Don’t Miss Out — Great Deals Don’t Wait Around!

Ever hear about someone else landing an incredible deal and think, “Why wasn’t that me?”

Well, I’m here to tell you—it can be you. You just need to be the one who’s ready.

The secret? Always be looking. Great deals don’t come with flashing neon signs or friendly heads-up calls. No one’s going to politely wait for you to clear your schedule and then let you know, “Hey, the best deal of the year just hit the market… take your time getting to it!”

Yeah… that’s not how it works.

So what is a “great” deal?

A great deal:

  • Offers the potential for significant profit in a short period
  • Is rarely on the market for more than a few days
  • Will be locked up fast—sometimes within hours

What’s not a great deal:

  • It’s been sitting on the market for months
  • It’s been seen by hundreds (or thousands) of potential buyers
  • It’s still available because everyone else has already passed on it

Timing is everything.

The best deals are often scooped up the same day they hit the market. You need to spot them fast, analyze quickly, and get your offer in. I’ve personally put deals under contract on day one—without even stepping foot on the property—because I knew my numbers and had confidence in the market.

Sure, this isn’t for beginners. But if you know your stuff, this is exactly how you land a winner.

So why would someone list an incredible deal?

It happens more often than you think. Here are a few of the usual suspects:

  • Death – The heirs want quick cash and have no idea what the asset is worth.
  • Divorce – Quick sale, fast cash, less hassle.
  • Debt – The owner is drowning in payments and just wants out.
  • Disaster – A major life event forces a sudden relocation or sale.

The point is, life happens—and sometimes that creates opportunity for the prepared investor.

Want to catch a great deal?

You’ve got to be scanning the market daily. Set alerts. Use platforms like CREXi.com to filter the types of deals you want. And be ready when opportunity knocks.

We love working with foreign nationals investing in U.S. commercial real estate, helping them secure the financing they need to close fast and with confidence. We’re not just lenders—we’re investors and developers too, and we understand what makes a deal work.

Contact me today and let’s talk about your next deal.

Lance Langenhoven
Head of Commercial Lending

Bridge Financing: Fast, Flexible Funding for Commercial Real Estate

Bridge financing, as the name suggests, is designed to get you from where you are now to where you need to be.

This type of financing helps investors close commercial real estate deals quickly—especially when traditional bank loans are too slow or simply unavailable. You’ll also hear it referred to as hard money lending.

Why Use Bridge Financing?

Bridge loans are ideal for deals that need speed or flexibility—like value-add or turnaround projects. Because banks tend to be conservative, they often won’t lend on properties that are underperforming or need major improvements. That’s where bridge lenders step in.

These lenders are willing to take on more risk in exchange for a higher return. In other words, they’ll fund deals that banks won’t touch—because they know the investor is planning to improve the asset and boost its value.

What’s the Catch?

Since bridge loans come with higher risk, they also come with higher interest rates—typically 4 to 5 basis points (or more) above a conventional bank loan. But the upside? Most bridge lenders offer interest-only payments, which can help keep your monthly cash flow under control during the renovation or lease-up period.

Real-World Example

Let’s say you’re trying to buy a commercial property that’s only 60% occupied. You approach a traditional bank for a loan, but they reject the deal—it’s too risky, and they’re not confident in your experience as a sponsor.

But a bridge lender sees the opportunity. They’re able to close fast, helping you beat out competing offers. You lock in a 24-month bridge loan with interest-only payments.

You move quickly to renovate the property. Once it’s upgraded, you raise rents and boost occupancy. Now the property looks much more attractive on paper—and traditional lenders take notice.

After 12 to 24 months, you refinance into a long-term conventional loan with a much lower interest rate and 20-year amortization.

If the property’s value has increased significantly, you may even be able to pull cash out during the refinance—giving you capital to invest in your next deal.

The Bottom Line

Bridge financing is a powerful tool for investors who:

  • Need to close fast
  • Are acquiring properties that require repositioning
  • Can’t qualify for bank financing—yet
  • Plan to refinance once the property stabilizes

Used wisely, it can be the launchpad to your next big project. Just be sure to factor in the higher interest rates and have a clear exit strategy in place.

We love working with foreign nationals investing in U.S. commercial real estate, helping them secure the financing they need to make deals happen. And since we’re not just lenders—we’re investors and developers too—we understand the challenges you’re facing.

Give us a call and let’s discuss your next deal.

Lance Langenhoven

Head of Commercial Lending

[email protected]

America Mortgages Launches Commercial Real Estate Loan Program for Foreign Nationals and Expats

Benzinga | Global Investors

Unlock U.S. Commercial Real Estate Opportunities with Tailored Financing for Non-U.S. Residents

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:  

  1. Extended Stay Motel: Purchased for $3.5 million with a 12.5% cap rate and 90% occupancy, delivering stable cash flow.  
  2. 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.  
  3. 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.

Schedule a Call: Speak with one of our loan specialists to explore your options.  

Call Us: Reach us 24/7 at +1 (845) 583-0830 for immediate assistance.  

Email Us: Contact us at: [email protected] 

Visit Our Website: Learn more at www.americamortgages.com

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.
  • Envíenos un Correo Electrónico: [email protected]
  • Visite Nuestro Sitio Web: Más información en www.americamortgages.com

为非美国居民量身定制融资，解锁美国商业房地产投资机会

美国商业房地产（CRE）市场仍然是全球投资者的首选目的地，因其稳定性、多样化以及可观的回报而备受青睐。从多户型住宅和零售中心到自助仓储设施和办公楼，美国商业房地产市场提供了广泛的资产类别，以满足不同投资目标的需求。

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。

为什么投资美国商业房地产？

美国商业房地产市场是全球最透明、流动性最强的市场之一，是全球投资者寻求资产配置和投资组合多元化的理想选择。主要优势包括：

  • 稳定的收入来源：长期租约与高入住率确保了稳定的现金流。
  • 多样的资产类型：从自助仓储设施到辅助生活设施，市场为投资者提供丰富的投资选择。
  • 具有吸引力的回报：商业物业通常优于住宅物业，提供更高的收益率。

为全球投资者量身定制的融资解决方案

在 America Mortgages，我们简化了外国投资者和美国海外人士的融资流程。无论您是首次购置商业地产，还是扩大现有投资组合，我们的团队都能为您提供高效、便捷的融资方案。

1. 桥接贷款：快速与灵活

桥接贷款非常适合短期融资需求，提供快速审批和仅支付利息的还款方式。适用于：

  • 在获得长期贷款前购买或升级房产。
  • 翻新资产、提高租金或稳定出租率。
  • 抓住时效性强的投资机会。

主要特点：

  • 贷款期限：12 到 24 个月。
  • 快速审批和交割。
  • 适用于过渡期或增值型物业。

2. 定期贷款：长期稳定

对于稳定的、具备收入来源的物业，定期贷款提供长期且具备成本效益的融资选择，条款清晰且可预测。

主要特点：

  • 最长可达 5 年的固定利率。
  • 最长 20 年的分期摊还期限。
  • 更高的贷款与价值比（LTV），适用于符合条件的物业。

商业贷款亮点

  • 贷款金额：$1,000,000 至 $250,000,000 美元。
  • 无需美国信用评分：无美国信用历史也可获批。
  • 全国范围覆盖：贷款适用于美国所有 50 个州。
  • 灵活贷款产品：提供桥接贷款、夹层融资和传统定期贷款。
  • 仅支付利息：合格贷款可选择此还款方式。

真实投资案例

以下是我们近期为客户提供融资的成功案例：

  • 长期居住型酒店：以 $350 万美元购入，资本化率 12.5%，入住率 90%，带来稳定现金流。
  • Greyhound 灰狗巴士终端（NNN 三网租赁）：以 $740 万美元购入，年租金递增 3.5%，剩余租期 4.6 年，收益预期明确。
  • 佛罗里达州自助仓储设施：以 $260 万美元购入，共 461 个单位，资本化率 8%，资产类型稳健可靠。

交易顺利完成的小贴士

我们团队将在交易的各个环节为您保驾护航，确保交易顺利完成：

  • 尽职调查：在购房合同中加入可行性分析期，以全面评估物业状况。
  • 交割时间表：明确交割时间及所需文件，避免延误。
  • 特别条款：审查可能影响融资或产权的特别条款。
  • 成立 LLC：建议成立有限责任公司（LLC）以高效管理物业并保护个人资产。

通过 America Mortgages 简化您的美国商业地产投资

America Mortgages 致力于帮助外国投资者和美国海外人士顺利进入美国商业房地产市场。无论您正在寻找短期融资进行增值改造，还是长期融资持有稳定物业，我们都能为您量身定制专属解决方案，满足您的个性化需求。

准备好融资您的美国商业物业了吗？

我们专业的团队将为您提供便捷的贷款申请流程，助您轻松实现投资目标。

  • 预约咨询：联系我们的贷款专家，了解更多融资选择。
  • 电话联系：全天候 24/7 支持，请拨打 +1 (845) 583-0830
  • 电子邮件：发送至 [email protected]
  • 官方网站：了解更多 www.americamortgages.com