Specialist in international investors
We focus on financing foreign nationals and U.S. expats building U.S. rental portfolios — not domestic owner-occupiers.
U.S. Portfolio / Blanket Loans
U.S. Portfolio Loans for International Real Estate Investors
Consolidate multiple U.S. rental properties into a single blanket loan — underwritten on the portfolio's cash-flow, not your personal income. No U.S. credit or tax returns required, non-recourse structures available, and no limit to the number of properties you can finance.
Reviewed by Robert Chadwick, CEO | Co-Founder, America MortgagesUpdated 6 July 2026
42+ five-star reviewsInternational investors of 57 nationalities scale U.S. rental portfolios with America Mortgages — cash-flow underwriting, not personal income.
Why portfolio investors trust America Mortgages
- approval rate
- 97%approval rate
- funded
- $1B+funded
- nationalities financed
- 57nationalities financed
- mortgage programs
- 150+mortgage programs
What Is a U.S. Portfolio (Blanket) Loan?
A U.S. portfolio (blanket) loan lets an international investor finance many residential properties under one loan, qualified on the portfolio's rental cash-flow rather than personal income.
Instead of taking a separate mortgage on each property, a blanket loan consolidates multiple U.S. residential rentals — single-family homes, condos, townhomes and small multi-units — into a single financing event: one closing, one payment, one point of contact.
America Mortgages offers up to 75% LTV on a purchase or refinance, 5-, 10- and 30-year terms, non-recourse options, and coverage in all 50 states — with no limit to the number of properties financed and no U.S. credit or tax returns required.
Built to scale a portfolio
Who it's for — and what qualifies
Built for investors financing several U.S. rentals at once, qualified on the portfolio's rental cash-flow. All forms of residential property qualify, in all 50 states.
Who It's For
- International Real Estate Investors
- Foreign Nationals
- U.S. Expats
- LLC & Entity Investors
- Buy-to-Let Landlords
- Investors Scaling a Portfolio
Eligible Property Types
- Single-Family Rental Homes
- Condominiums
- Townhomes
- Small Multi-Unit Residential
- Long-Term Rental Properties
- All Forms of Residential Property
Why America Mortgages
Financing built to scale a U.S. rental portfolio
One blanket loan across your properties, underwritten on cash-flow. These are the benefits international investors use most.
One loan for the whole portfolio
Consolidate multiple single-family homes, condos and small multi-units into a single blanket loan — one closing, one payment, one point of contact.
Underwritten on cash-flow
We qualify the loan on the portfolio's rental income, not your personal income. Personal income verification is not required.
Up to 75% LTV
Competitive leverage on both purchases and refinances, so non-institutional international investors can finally scale with leverage.
Non-recourse available
Qualifying transactions can be structured non-recourse, ring-fencing your liability to the financed assets themselves.
No limit on properties
There is no cap on the number of properties you can finance under the program — grow the portfolio as far as the cash-flow supports it.
All 50 states, all residential types
Lend across every U.S. state on all forms of residential property, with 5-, 10- and 30-year term options to match your strategy.
Structures
Which portfolio structure fits your goal
One application, one blanket loan across your properties. These are the structures international investors use most.
Portfolio purchase
Qualified on the combined rental cash-flow of the properties acquired — best for buying several rentals in one financing event.
Portfolio refinance
Qualified on the cash-flow of the existing portfolio you already own — best for consolidating scattered loans into one blanket loan.
Cash-out / equity release
Qualified on equity built across the portfolio — best for recycling equity to acquire more U.S. property.
Non-recourse blanket
Qualified on property cash-flow with liability limited to the assets — best for investors who want to ring-fence personal liability.
The America Mortgages advantage
Why international investors choose America Mortgages
Non-institutional international investors often can't get portfolio-level leverage from traditional lenders, who underwrite each property on personal income. America Mortgages was built to finance overseas investors on the portfolio's cash-flow instead — so you can scale.
Rates & terms
Indicative loan-to-value, underwriting and terms
These ranges are what our portfolio program typically offers. They are indicative only — your exact LTV and terms are confirmed in writing at pre-approval.
| Program | Max LTV | Underwriting | Terms |
|---|---|---|---|
| Portfolio purchase | Up to 75% | Property cash-flow | 5 / 10 / 30-yr |
| Portfolio refinance | Up to 75% | Property cash-flow | 5 / 10 / 30-yr |
| Cash-out / equity release | Up to 75% | Property cash-flow | 5 / 10 / 30-yr |
| Non-recourse blanket | Up to 75% | Property cash-flow | 5 / 10 / 30-yr |
As of 6 July 2026
Indicative ranges only, not an offer of credit. Actual rates, LTV and terms depend on the program, property, borrower profile and prevailing market conditions, and are confirmed in writing at pre-approval.
Estimate
Model your portfolio payment
Drag the sliders to see an indicative payment across the portfolio's combined value. You enter the rate — we don't quote one here; your real rate comes at pre-approval.
Property price$2,000,000
Down payment25% · $500,000
Max LTV is 75% (min 25% down).
%
Estimated monthly payment
$9,980
per month · principal & interest only
- Loan amount
- $1,500,000
- Down payment
- $500,000
Illustration only, across the whole portfolio's combined value. You enter the rate — America Mortgages does not quote a rate here. Max LTV is 75%. Your actual rate, LTV and payment are confirmed in writing at pre-approval. Excludes taxes, insurance and fees.
How it works
From property list to blanket loan — remotely
- 1
Map your portfolio
Book a call or send the short form with your list of U.S. properties (owned or targeted), their locations and rental income.
- 2
Cash-flow review & pre-approval
We underwrite on the portfolio's rental cash-flow — not personal income — and match it across our lender network for an indicative pre-approval.
- 3
Structure the blanket loan
Choose your term (5, 10 or 30 years) and, where eligible, a non-recourse structure. Provide property and ID docs — no U.S. credit or tax returns.
- 4
Close remotely & scale
Sign at a local notary or embassy and fund by wire. Add more properties over time — there is no limit to the number financed.
Ready to Finance Your U.S. Rental Portfolio?
Whether you're consolidating several rentals you already own, buying a portfolio in one financing event, or releasing equity to acquire more, America Mortgages can structure a blanket loan around your portfolio's cash-flow. Our specialists work with foreign nationals and U.S. expats building U.S. rental portfolios.
Why speak with our team?
- Qualify on portfolio cash-flow, not personal income
- Up to 75% LTV, with non-recourse options
- No limit to the number of properties financed
- No U.S. credit score or tax returns required
Social proof
What clients say
Real reviews from international investors and overseas borrowers who financed U.S. property with America Mortgages.
42+ verified 5-star Google reviews
Rated “Excellent” by U.S. expats & foreign nationals worldwideI am very lucky to have found America Mortgages to help me with my project living abroad, and I am particularly amazed by the engagement of Hanah, who has been following every step of my case since Day 1. She was extremely helpful every time we encountered a bump in the road — always thinking of solutions, thinking out of the box, and keeping me motivated. My deepest gratitude goes to Hanah.
America Mortgages was fantastic to work with as an American expat. I needed to refinance my condo in DC but living overseas. For most lenders I was denied because my income was foreign. I worked closely with Nick and was able to refinance with a lower payment — the entire process was seamless and took less than 6 weeks. More than a 5★ experience.
Nick is absolutely wonderful. I'm a Canadian purchasing a house in Tampa, Florida and he made the process smooth and easy!! Thank you Nick!!
Pleasure to work with. Very clear from Day 1 as to what they could achieve. Didn't promise anything that they couldn't fulfill.
As both a lawyer and an individual I've been involved in many complex real estate transactions in Canada and the US. Of all the professionals I've worked with, Roberto Johnson of America Mortgages is without a doubt the absolute best. Where others said no, he said yes — and came up with truly creative solutions. An absolute game-changer. We couldn't have done it without him!
We had a quick closing date, were in a sticky situation and needed a foreign mortgage in record time. The team went above and beyond, put us in direct contact with the lender, worked at lightning speed and kept us in the loop the whole way. Thank you for getting us into our new home!
As someone who owns real estate in two different countries I expected the USA process to be much easier. A bank and another company couldn't approve my mortgage. I found America Mortgages online at the airport between flights — thank God! Even easier than getting a mortgage for my own home in London. 5 stars for service and flawless execution!
Joe Aaron has been an exceptional help during this process! As Canadians, we were told by other brokers they were unable to get a mortgage for our grandparents' home. Thankfully, Joe was able to assist us and allow us to keep it! Thank you so much for your guidance and help!
FAQ
U.S. portfolio loan questions, answered
What is a U.S. portfolio (blanket) loan?
It is a single loan that finances multiple U.S. residential properties at once, rather than taking a separate mortgage on each one. The loan is underwritten on the combined rental cash-flow of the properties, which lets international investors add leverage to a whole portfolio in one financing event.
How is a portfolio loan qualified — do you check my personal income?
No. Portfolio loans are underwritten on the property cash-flow, not personal income. Personal income verification is not required, and there is no need for a U.S. credit score or U.S. tax returns. This is what makes the program accessible to non-resident and foreign national investors.
What loan-to-value and terms can I get?
Loan-to-value is up to 75% on both purchases and refinances, so plan for roughly a 25% down payment. Term options include 5-year, 10-year and 30-year structures. These figures are indicative and confirmed in writing at pre-approval.
Is there a limit to how many properties I can finance?
No. There is no limit to the number of properties that can be financed under the portfolio program. Investors commonly start with a handful of rentals and grow the blanket loan as their portfolio expands, as long as the cash-flow supports it.
Are non-recourse portfolio loans available?
Yes. Non-recourse structures are available on qualifying transactions, which limit your personal liability to the financed assets rather than your wider net worth. Your specialist will confirm whether your portfolio qualifies for a non-recourse structure.
Which property types and states qualify?
All forms of residential property qualify, and the program is available in all 50 U.S. states. Investors most often finance single-family rental homes, condos, townhomes and small multi-unit residential properties.
Can I refinance a portfolio I already own?
Yes. Refinancing is one of the most popular uses of the program — investors consolidate several separate property loans into one blanket loan, or release equity across the portfolio (up to the program's LTV) to acquire additional U.S. real estate.
Learning Lab
Expert Insights for Portfolio Investors
Access strategies, market insights and structuring guidance for international investors scaling U.S. rental portfolios.
Whether you're consolidating loans, releasing equity, or adding properties, our resources can help you scale with leverage.
Guide
How blanket loans let investors scale U.S. rentals
Why cash-flow underwriting beats per-property mortgages when you're building a portfolio.
Read moreStrategyNon-recourse portfolio financing explained
How non-recourse structures ring-fence liability to the financed assets — and who qualifies.
Read moreStrategyRecycling equity to grow a U.S. rental portfolio
Using a portfolio refinance or cash-out to fund your next acquisitions.
Read moreReviewed for accuracy
Reviewed by Robert Chadwick
CEO | Co-Founder, America Mortgages
Robert Chadwick is Co-Founder and CEO of America Mortgages and Co-Founder of its Singapore-based parent, Global Mortgage Group. He has over 25 years in financial services and mortgage lending, including wholesale lending leadership at Fremont Bank and Morgan Stanley's Saxon Capital.
Written by the America Mortgages Editorial Team · Last updated 6 July 2026
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America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Founded in 2019 and wholly owned by Global Mortgage Group Pte. Ltd. (Singapore); our team brings decades of combined U.S. and cross-border lending experience. A direct lender and leading mortgage broker for U.S. expats and foreign nationals. Loan-to-value and terms shown on this page are indicative only, as of 6 July 2026, and are not an offer or commitment to lend. Any payment shown by the estimator is an illustration based on a rate you entered — not a rate quoted by America Mortgages. All financing is subject to program eligibility, property, borrower profile, underwriting and prevailing market conditions, and is confirmed in writing at pre-approval.