We recently hosted a webinar on the U.S. Real Estate Market Outlook for 2026, where two of our founders, Donald Klip and Robert Chadwick, discussed the factors driving renewed global investor interest in U.S. property. You can watch the full video here to explore the insights in detail.
The U.S. property market is entering a powerful new growth phase, one defined by low housing supply, rising rental yields, and surging foreign demand. For global investors seeking stable returns and long-term value, the window of opportunity is open but narrowing. Learn why high-net-worth buyers continue to favor U.S. assets in our feature on why global investors are buying. Despite higher interest rates, market fundamentals remain strong, and data points to continued appreciation driven by economic expansion, job creation, and limited housing inventory.
U.S. Real Estate Is Entering a Growth Phase
Despite higher rates, America’s property market is primed for expansion. Persistent housing shortages of 5–7 million homes, combined with rising rental yields and strong macroeconomic tailwinds, continue to push values upward. According to the National Association of Realtors (NAR) Housing Shortage Report, the U.S. faces one of the largest housing supply deficits in modern history, fueling long-term price appreciation.
- Foreign investment surged 44% last year, with $56 billion in purchases from international buyers. Discover more in Why Foreign Investors Are Pouring Billions into U.S. Real Estate.
- Over 65% of U.S. homeowners hold mortgages under 5%, keeping supply tight and stabilizing prices.
- Analysts expect further appreciation as the Fed slows quantitative tightening and liquidity returns to the market.
Technology and Job Growth Are Fueling Demand
The U.S. economy is adding new pillars of strength. The AI and technology boom is projected to generate 800,000 to 2.3 million new jobs over the next decade, creating new housing demand in key metros like California, Texas, New York, and Florida.
A recent PwC report on the economic impact of AI highlights how artificial intelligence could contribute over $15 trillion to the global economy by 2030, further boosting U.S. employment and housing demand.
One investor recently earned a 50% return on a San Jose property within a year, underscoring how tech-driven job creation continues to power local real-estate growth.
Why Acting Now Matters
Waiting for lower rates could mean missing the buying window. Once rates drop, competition and prices will surge. Acting now allows investors to:
- Secure property at today’s prices.
- Refinance later at lower rates.
- Gain from both price appreciation and rental yield growth.
With 97% of loan applications approved and pre-approval in 24–48 hours, speed and certainty are key advantages for qualified buyers. Read more about why so many international buyers are eyeing a purchase before end-2025.
Tailored Financing for Overseas Investors
America Mortgages is the only U.S. lender focused exclusively on overseas borrowers, providing access to loans that traditional U.S. banks cannot offer.
Highlights:
- AM Rental Coverage Loan: qualify using rental income; up to 75% LTV (foreign nationals) / 80% (U.S. expats).
- Expat Loan: use foreign-earned income; no W-2s or full U.S. tax returns.
- Asset-Based Loan: qualify via liquid assets (cash, stocks) — ideal for high-net-worth clients.
- Global Bridging Loans: fast access to liquidity worldwide, up to 70% LTV with funding in 5–10 days.
All applications are handled entirely online, with multi-language loan officers operating in your time zone. No U.S. residency, travel, or Social Security Number required.
Smarter Investment Strategies: “The Cash ATM Model”
A proven model used by many overseas investors:
- Purchase a property with a 75% LTV loan at around 7% interest.
- Earn a 10% rental yield, covering mortgage costs.
- Refinance in 3 years after appreciation to pull out equity — while keeping ownership.
The result? A self-funding, cash-flow-positive investment that can be repeated to scale your portfolio across the U.S.
Full-Cycle Support for Global Clients
America Mortgages assists clients through every stage of the investment journey:
- Real-estate agent and property-manager referrals
- Tax and LLC setup guidance (typically Wyoming entities)
- Online loan tracking & document upload portal
- 24/7 global support line
The goal: to help international investors build sustainable U.S. real estate portfolios with simplicity and transparency.
Take Action Before the Market Turns
With U.S. inventory low, foreign demand high, and interest-rate cuts expected in 2026, the current environment favors proactive investors.
History shows that market momentum often builds quickly when confidence returns, and confidence is coming back fast. Whether you like Donald Trump or not, one thing is certain: his administration’s policies traditionally favor growth, deregulation, and real estate. If the next cycle brings renewed fiscal stimulus and business optimism, property values will be among the first to climb.
Smart investors understand timing. Start with a quick pre-approval, issued within 24–48 hours, and be ready to purchase before the next wave of buyers floods the market. If you’re tracking monetary policy shifts, our article Ride the U.S. Real Estate Wave Before It’s Gone explains how interest-rate moves directly impact global property investors.
Get Pre-Approved Today
Ready to explore your financing options as an overseas buyer? Schedule a free consultation with America Mortgages or get pre-approved in 24–48 hours. For more insights on timing your investment, explore our latest Q&A on Why 2026 Could Be a Breakout Year for U.S. Real Estate Investors.
About America Mortgages
America Mortgages specializes exclusively in U.S. real-estate financing for foreign nationals and U.S. expats. With a 97% approval rate and access to 150+ loan products, our clients secure investment and second-home financing without the typical U.S. banking hurdles.
Frequently Asked Questions
Q1. Can I do a cash-out refinance to release equity before the 2026 market upswing?
A: Yes. Many investors are choosing to refinance now to unlock property equity and reinvest ahead of the anticipated 2026 growth cycle. A refinance typically takes around 30 days, depending on the loan program, and allows you to access built-up home value for new purchases or portfolio expansion.
Q2. What’s the easiest way for overseas investors to start buying U.S. property?
A: The first step is to speak with an America Mortgages loan specialist to determine your goals and the right financing program. Once your structure is set (usually through a Wyoming LLC), you can begin searching for properties through U.S. platforms like Zillow or Redfin. America Mortgages also connects clients with tax advisors, realtors, and property managers to make the process simple and fully remote.
Q3. What’s the difference between a full-doc and a low-doc loan for non-residents?
A: A full-doc loan requires complete financial documents such as tax returns, income statements, and bank records, typically used for second or holiday homes. A low-doc loan, ideal for investors, qualifies borrowers using rental income from the property rather than personal income documents. This makes financing much easier for foreign nationals without U.S. tax returns or credit history.
