Buying a Property in Texas from Mexico
Texas and Mexico share strong cultural, business, and geographic connections, making the Lone Star State a natural destination for Mexican investors seeking U.S. property. With a diversified economy, no state income tax, and growing demand across housing types, Texas offers compelling opportunities for non-resident investors.
Through America Mortgages, non-residents from Mexico can access U.S. mortgage programs designed for foreign nationals — many without needing a U.S. credit score or local income. The entire process can often be completed remotely, from pre-approval through closing.
Why Mexican Buyers Are Investing in Texas
For Mexican nationals, investing in Texas real estate makes sense for both practical and strategic reasons.
- No state income tax means rental income stays largely unaffected by one more layer of taxation.
- Proximity and cross–border travel make property management and personal use more feasible.
- Cities such as Austin, San Marcos (near Texas State University), and Lubbock (near Texas Tech University) show strong metrics in enrollment growth, rental demand, and affordability. For example, Texas State University in San Marcos exceeded 40,000 students in fall 2024.
- Markets such as Lubbock, Texas offer low price-to-rent ratios, with average rents around US$1,300 and median home values in the US$200- 250k range.
With America Mortgages, Mexican investors can leverage US mortgages for non-residents to build a diversified U.S. property portfolio confidently and efficiently.
Property Uses: Why Mexican Investors Choose Texas
Mexican buyers are leveraging Texas real estate in a variety of ways:
- Investment Property – Long-term rental units aimed at appreciation and passive income.
- Short-Term Rentals / Airbnb – Popular in cities with high visitor volumes such as Austin and San Marcos.
- Cash Flow Rentals – Suburban single-family homes or multiunits delivering steady monthly returns.
- Second or Vacation Homes – Ideal for families visiting the U.S., with dual use and rental potential.
- Student Housing Near Universities – Homes near Texas State University, Texas Tech University (in Lubbock), and others are bought by families whose children study in the U.S., then converted to rental assets.
- Corporate or Relocation Housing – With major firms relocating to Texas, furnished rentals for executives are in demand.
- Pied-à-terre Apartments – Condos in central Texas cities for business or travel use.
- Residency Support Properties – While ownership doesn’t grant U.S. residency, a well-structured property portfolio strengthens investor visa or relocation applications.
These diverse uses support both lifestyle goals and financial objectives, making non-resident U.S. property ownership a smart option for Mexican investors.
Types of Property: Best Options for Mexican Buyers
Texas offers a broad spectrum of property categories suited to different strategies and budgets:
- Single-Family Homes – for long-term rentals or owner-use with later conversion.
- Condos & Apartments (Flats) – low-maintenance units ideal for absentee owners.
- Townhouses & Multiunit Properties – multiple income streams from one investment.
- Multifamily Buildings – scalable investment for building real estate portfolios.
- Luxury Homes & Mansions – high-end markets in Dallas and Austin for premium buyers.
- Luxury Condos & Resort Units – combining lifestyle and rental income in desirable locations.
- Hotel or Managed Properties – passive investment through professional management.
This range gives Mexican investors flexibility in building portfolios across the full spectrum of real estate types in Texas.
Buying Property in Texas for Education and Family Use
Many Mexican families purchase properties in Texas to house children studying at U.S. universities. For example, Texas State University in San Marcos reported a record enrollment of 40,678 students in Fall 2024. Properties near such campuses provide secure accommodation during study years and later generate rental income once the child graduates.
With America Mortgages, these purchases can be financed using Mexican income and banking documents rather than U.S.-based records, enabling families to combine lifestyle, convenience, and investment in one move.
How Mexican Investors Can Obtain U.S. Property Financing
America Mortgages provides U.S. mortgage programs tailored for foreign nationals, assessing global income, assets, and banking history instead of only U.S. documentation.
Available Loan Types
- Purchase Loans – For acquiring primary, vacation, or investment properties.
- Refinance Loans – Lower interest rates or improved terms on existing mortgages.
- Cash-Out and Cash-Out Equity Loans – Access home equity to fund new investments or renovations.
- Bridging Loans – Short-term financing between sales or acquisitions.
- Development Loans (DK) – For construction or property development projects.
Qualification Guidelines
- No U.S. credit score or ITIN required
- Proof of income or self-employment is required only for second or vacation homes
- Investment properties can qualify without income verification.
- Borrowers of any age can apply if they have verifiable funds.
These programs make U.S. mortgages for non-residents accessible to Mexican buyers and simplify the process of acquiring property in Texas.
Top Texas Cities for Mexican Investors
- Austin: A vibrant tech hub with strong rental demand and premium appreciation.
- San Marcos / Texas State University area: Growing student population, increasing housing demand and affordability.
- Lubbock / Texas Tech University area: Low entry prices, solid rental yields and strong student market.
- Dallas: Large corporate presence, broad tenant base and diversified economy.
- San Antonio: Affordable, family-friendly metro with consistent rental occupancy.
These locations provide distinct opportunities across student housing, cash-flow rentals and appreciation-driven investments for Real Estate Investment in the U.S. for Foreigners.
Conclusion
Texas offers Mexican investors a compelling combination of stable returns, low taxes and accessible financing. Through America Mortgages, non-residents can participate in U.S. real estate with tailored programs designed to ease cross-border ownership. Whether the goal is investment income, accommodation for a student family member or a vacation home, Texas remains a top choice.
For professional guidance, contact [email protected] or call +1 (845) 583-0830 today.
Frequently Asked Questions
Q1: Do I need a U.S. credit score to qualify for financing?
A: No. America Mortgages evaluates Mexican income, bank statements and banking references to qualify non-residents without requiring U.S. credit or ITINs.
Q2: What types of properties qualify for financing?
Residential, vacation or investment properties — from condos to multi-units and single-family homes — qualify under U.S. mortgage for foreign nationals programs.
Q3: Can I buy property for my child studying in the U.S.?
Yes. Many Mexican families invest in student-housing near universities such as Texas State University and Texas Tech University, turning accommodation into long-term rental assets.
Q4: What loan options are available to non-residents?
America Mortgages offers purchase, DSCR, refinance, bridging and development loans tailored for foreigners buying U.S. property.
Q5: Can I refinance later or acquire multiple properties?
Yes. Non-residents can refinance to release equity or apply for portfolio financing to expand holdings across Texas markets.
