Tag: Case Studies

The Client

A retired Australian citizen living in Sydney inherited a rental property in San Diego from her late brother. She wanted to release equity from the property to expand her business in Australia but was unable to get approved by U.S. lenders due to her non-resident status.

How We Helped

America Mortgages stepped in with our Equity Unlock program for foreign nationals. Our team arranged a 60% LTV cash-out refinance based on current rental income and property value. The funds helped supplement her retirement lifestyle while keeping the rental generating income in the U.S.

Loan Details

Nationality	Property Value	Loan Amount	LTV	Rate
Australian	$980,000	$588,000	60%	7.99%

Term	Address	Property Type	Purpose	Loan Type
30-Year Fixed	San Diego, CA	Single Family Home	Cash-Out Refinance	Residential

The Client

A Canadian couple based in Vancouver wanted to diversify their investments with stable, long-term rental properties in the U.S. While they had strong income and assets in Canada, they were repeatedly rejected by both Canadian and U.S. banks due to a lack of U.S. credit history.

How We Helped

Our America Mortgages loan officer helped them secure financing for their first long-term rental property in a growing market just outside Orlando, Florida. The couple qualified under our foreign national loan program using their Canadian income and asset documents. After 12 months of steady cash flow and appreciation, they refinanced the property and used the equity to acquire two more long-term rentals in Tennessee and Texas.

This structured portfolio approach allowed them to scale with confidence — all without ever needing a U.S. credit score.

Loan Details

Nationality	Property Value	Loan Amount	LTV	Rate
Canadian	$450,000	$337,500	75%	8.125%

Term	Address	Property Type	Purpose	Loan Type
30 Year Fixed	Orlando, FL	Single-Family Rental	Purchase	Residential

The Client

A French entrepreneur based in Paris was in the process of selling a commercial asset in France and wanted to acquire a residential investment property in Miami, Florida. The issue? The sale proceeds would only be available in 3–4 months, and the U.S. seller required a fast close.

How We Helped

America Mortgages structured a 12-month bridge loan based on the strength of the client’s financials in France and the value of the Miami property. This allowed the client to secure the property without waiting for funds from the French sale. The loan provided flexibility to refinance or repay once liquidity was available, preventing a lost investment opportunity.

Loan Details

Nationality	Property Value	Loan Amount	LTV	Rate
French	$950,000	$712,500	75%	11%

Term	Address	Property Type	Purpose	Loan Type
12 Months	Miami, FL	Condo (Residential Investment)	Purchase	Bridge Loan

The Client

An experienced real estate investor in Berlin wanted to break into the U.S. commercial real estate market, specifically targeting warehouse and logistics spaces in Texas. He faced rejections from several U.S. banks due to lack of U.S. credit and the complexity of commercial underwriting.

How We Helped

Our Commercial Lending Division worked closely with the client to finance a $2.3M logistics facility outside of Houston. We structured a hybrid loan that covered 65% of the purchase and 100% of renovation costs, using projected lease income as part of the qualification. Within eight months, the property was leased to a regional distributor, generating solid monthly yield.

Loan Details

Nationality	Property Value	Loan Amount	LTV	Rate
German	$2,300,000	$1,495,000	65%	9.00%

Term	Address	Property Type	Purpose	Loan Type
18-month bridge	Houston, TX	Warehouse	Purchase + Renovation	Commercial

The Client

Our client was a Canadian self-employed building contractor living in Vancouver, BC. He was a very experienced home flipper in Canada and the U.S. In the U.S., he was forced to pay cash due to the inaccessibility of “Fix and Flip” loans for non-U.S. citizens. He wanted to expand his U.S. presence but needed proper financing to do this.

How We Helped

Our America Mortgages loan officer based in Canada structured our AM Fix-and-Flip loan, which allowed the client to qualify to expand his business in the U.S. He had more than 10 Fix-and-Flip completed in the U.S., all with cash. With his ability to get financing for the Fix-and-Flip purchase, he switched to a long-term hold focus of fix n hold. 

Our America Mortgages loan officer worked with the client from acquisition and renovation financing to refinancing to a long-term mortgage based only on the income of the rental property to qualify. 

Loan Details

Nationality	Property Value	Loan Amount	ARV	Rate
Canadian Citizen	$312,000	$294,000	80%	10.50%/8.00%

Term	Address	Property Type	Purpose	Loan Type
Fix-and-Flip/30-Year Fixed	Seattle, WA	Apartment/Condo	Purchase	Residential