In this webinar, Robert Chadwick (Co-Founder of America Mortgages) and Donald Klip (Co-Founder of Global Mortgage Group and America Mortgages) discuss why 2026 may represent a breakout year for U.S. real estate investors. The session covers U.S. property trends, international investor demand, financing options for overseas buyers, and the economic outlook driving the next cycle of growth.
Donald provides an analytical overview of the macroeconomic forces — including AI-driven job creation, housing shortages, and monetary policy shifts — that are expected to fuel property appreciation. Robert follows with an overview of America Mortgages’ loan programs, lending advantages for non-residents and expats, and practical strategies for global investors to enter or expand within the U.S. real estate market.
The discussion concludes with a Q&A session addressing common investor questions on financing, LLC structuring, refinancing, and market timing.
Q1: Can I do a cash-out refinance to release equity and reinvest before the 2026 market upswing?
RC: Yes, absolutely. If you anticipate an upswing in 2026, it’s a good time to refinance now. A refinance typically takes about 30 days, depending on the loan program, and allows you to pull out equity for reinvestment.
Q2: I’m based overseas — what’s the easiest way to start investing in U.S. real estate through America Mortgages?
DK: The first step is to speak to the America Mortgages team. Typically, the process involves:
- Discussing your investment goals and selecting the right loan program.
- Setting up a U.S. LLC (preferably in Wyoming for cost and simplicity).
- Connecting with a tax advisor.
- Reviewing America Mortgages’ internal “shopping list” of 800+ high-yield properties across the U.S.
- Once you identify a property, America Mortgages will guide you through financing and closing remotely
Q3: Can you explain the difference between a full-doc and a no-doc loan for non-resident borrowers?
RC:
- A Full-Doc Loan requires complete financial documentation such as tax returns, pay slips, and bank statements — ideal for second homes or holiday homes.
- A Low-Doc (formerly “No-Doc”) Loan relies on the property’s rental income rather than personal income. Borrowers provide minimal documents (passport, bank statements, proof of funds) to show the ability to cover down payment and reserves. This type of loan is ideal for investment properties
Q4:If the best time to buy is before 2026, when should I start my financing or pre-approval process?
RC: Start now. Pre-approval typically takes 24–72 hours. You only need proof of:
- 25% down payment (for foreign nationals) or 20% (for U.S. expats).
- Six months of mortgage payment reserves.
Once pre-approved, you’ll receive a letter allowing you to begin shopping for properties immediately.
Q5: How does the 3-year payback model work in real terms, and what kind of rental yield should I expect?
DK: The example is based on a 10% gross rental yield generating approximately $30,000 annual net cash flow on a $500,000 property. Maintenance and taxes aren’t included. If the question refers to “real terms” as inflation-adjusted, then yields should be reduced by roughly 3–4% inflation. Donald offered to share the full slide with detailed calculations directly with interested attendees.
Q6: Can America Mortgages help me compare financing scenarios — buying new vs. refinancing existing?
RC: Yes. America Mortgages can model both options. U.S. lending allows unlimited mortgages with no cap on property count or loan-to-value limits. After six months of ownership, you can refinance based on the current appraised value — pulling out up to 65% equity for new purchases. This strategy helps build larger property portfolios efficiently.
Q7: Do you provide sourcing services, rental management, sales, or full real estate cycle support?
DK: America Mortgages provides referrals to vetted service partners for:
- Real estate agents and property managers (by region).
- Tax advisors and law firms for inheritance/tax structuring.
He also emphasized the advantages of using an LLC for liability protection, tax deductions (e.g., flights, marketing, travel), and business recognition by U.S. tax authorities
Q8: I’m ready to move forward. What’s the first step — schedule a consultation or start my application?
RC: If you’ve already spoken with a loan officer, you can start your online application immediately. If not, it’s best to schedule a consultation first. The team can review new loan enhancements and rate changes before guiding you through the secure online portal and application process
Q9: What is the cost for refinancing?
RC: Refinancing costs typically average 3% of the loan amount, covering appraisal, title, and processing fees. America Mortgages provides a break-even analysis to determine how long it will take to recover costs — especially useful when rates fall or investors want to extract cash for reinvestment.
Q10: What’s your final advice for potential investors?
DK: Investing in U.S. real estate is like “knowing crypto but ignoring Bitcoin” — it’s the world’s strongest, most partner-oriented real estate system. Don’t wait; start now, build momentum, and you’ll thank yourself later
RC: U.S. real estate doesn’t need overseas marketing like other countries (e.g., Dubai, Thailand, or the U.K.) because domestic demand is already strong. This stability makes it the most resilient and desirable market globally, with over $60 billion in annual foreign residential purchases
Investors interested in tailored guidance, portfolio structuring, or global property financing can also reach out to America Mortgages or Global Mortgage Group for a personalized one-on-one consultation.
