Author: Premela R.

Minimum Loan Amount Reduced to $100,000 — Now Everyone Can Be a U.S. Real Estate Investor!

We’re making U.S. real estate investment more accessible than ever at America Mortgages. With our new reduced mortgage loan minimum of $100,000, owning property in the U.S. is now easier for new and seasoned real estate investors. Whether you’re a foreign national looking to build wealth in the U.S. or a U.S. expat seeking to invest back home, we’ve made it easier to take that first step.

Lower Minimum Loan Amount: $100,000

Lowering the loan minimum to $100,000 opens the door for more investors to access the U.S. real estate market. With a lower loan minimum and a maximum LTV (loan-to-value) of 80%, investors can start by purchasing an entry-level property. For seasoned investors, the newly adjusted loan minimum allows you to diversify your portfolio by investing in multiple properties or regions, spreading risk while maximizing growth potential. 

Our reduced loan minimum breaks down barriers, giving you the opportunity to invest in U.S. real estate without the need for a large initial investment.

Introducing the Rental Coverage+ Loan Program: It’s All About DSCR

Our Rental Coverage+ Loan Program is specifically designed for international investors, this program simplifies the qualification process by focusing on the property’s income potential rather than personal financial details. Instead of focusing on your personal income or credit history, we use Debt Service Coverage Ratio (DSCR) to qualify. We like to call it “common sense underwriting”.

What’s DSCR, and Why Does It Matter?

DSCR evaluates how well the rental income from your property can cover its loan payments. Simply put, the focus is on the property’s income potential, not your personal finances. This approach is ideal for investors looking for a straightforward qualification process and the confidence to grow their portfolio.

In simple terms, if the monthly rental income can cover on a 1:1 ratio the mortgage payment, property taxes and insurance the loan qualifies. It’s that simple. 

Key Features of the Program:

  • Minimum Loan Amount: $100,000 and above for properties held in an LLC. Want to get a mortgage in your personal name? The minimum loan amount is only $150,000.
  • Loan-to-Value: Up to 80% for purchases and 70% for cash-out refinances.
  • Underwriting: Based on the property’s rental income, with no personal income documents required.
  • Credit Requirements: No U.S. credit required.
  • Closing Time: Quick, with closings in 30-45 days.

Why America Mortgages Is Your Best Choice

At America Mortgages, we don’t just offer loans—we deliver solutions. Here’s why we’re the go-to choice for international investors:

  1. We’re a Direct Lender: Being a direct lender means we handle everything in-house, giving you faster approvals and competitive rates.
  2. We’re a Super Broker: With in-house lending, access to over 150 partners, and exclusive expertise in working with international clients, America Mortgages ensures a seamless process tailored to your needs.
  3. We Know International Investors: We work exclusively with international clients, so we understand your challenges and offer tailored solutions to meet your needs.
  4. Your Investment, Simplified: From reduced loan amounts to DSCR-based qualification, we’re making U.S. real estate investing easier and more accessible than ever.

Invest in Any U.S. State—The Choice Is Yours

With our programs available across all 50 states, you have the freedom to invest where it makes the most sense for you. Whether you’re eyeing a booming market or a high-demand rental area, we’ve got you covered.

Your U.S. Real Estate Investment Starts Here

At America Mortgages, we’re here to make the process simple, fast, and secure. Whether you’re new to investing or a seasoned pro, our team is ready to help you achieve your goals with the best financing options available.

Get started on your U.S. real estate investment today. Speak with a loan officer by calling +1 (845) 583-0830, email us at [email protected], or visit www.americamortgages.com to explore your options.



Nuevo Monto de Préstamo Reducido a $100,000: Ahora Todos Pueden Ser Inversionistas de Bienes Raíces en EE. UU.

En America Mortgages, estamos haciendo que la inversión en bienes raíces en EE. UU. sea más accesible que nunca. Con nuestro nuevo monto mínimo de préstamo reducido a $100,000, ser propietario de una propiedad en EE. UU. ya no es exclusivo de grandes inversionistas. Ya sea que seas un extranjero buscando construir riqueza en EE. UU. o un expatriado estadounidense deseando invertir en casa, hemos hecho más fácil dar ese primer paso.

Monto Mínimo de Préstamo Reducido: $100,000

Reducir el monto mínimo del préstamo a $100,000 abre las puertas para que más inversionistas accedan al mercado inmobiliario de EE. UU. Con un requisito de capital menor, puedes comenzar adquiriendo una propiedad de nivel inicial en un mercado emergente, facilitando así tu primer paso. Esto también te permite diversificar tu portafolio invirtiendo en múltiples propiedades o regiones, reduciendo riesgos mientras maximizas el potencial de crecimiento.

Nuestro monto mínimo reducido elimina barreras, ofreciéndote la oportunidad de invertir en bienes raíces en EE. UU. sin necesidad de una inversión inicial grande.

Presentamos el Programa de Préstamos Rental Coverage+: Todo Se Trata del DSCR

Diseñado específicamente para inversionistas internacionales, nuestro Programa de Préstamos Rental Coverage+ simplifica el proceso de calificación al centrarse en el potencial de ingresos de la propiedad en lugar de los detalles financieros personales. En lugar de evaluar tus ingresos personales o historial crediticio, utilizamos la Razón de Cobertura del Servicio de Deuda (DSCR) para calificar.

¿Qué es DSCR y Por Qué Es Importante?

DSCR evalúa qué tan bien los ingresos de alquiler de tu propiedad pueden cubrir los pagos del préstamo. En términos simples, el enfoque está en el potencial de ingresos de la propiedad, no en tus finanzas personales. Este enfoque es ideal para inversionistas que buscan un proceso de calificación sencillo y la confianza para hacer crecer su portafolio.

Características Principales del Programa:

  • Monto Mínimo de Préstamo: $100,000 para propiedades bajo una LLC o $150,000 para propiedades a tu nombre.
  • Relación Préstamo-Valor: Hasta el 80% para compras y 70% para refinanciamientos con retiro de efectivo.
  • Subrogación: Basada en los ingresos por alquiler de la propiedad, sin necesidad de ingresos personales.
  • Requisitos de Crédito: No se requiere crédito en EE. UU.
  • Tiempo de Cierre: Rápido, con cierres en 30-45 días.

Por Qué America Mortgages Es Tu Mejor Elección

En America Mortgages, no solo ofrecemos préstamos: brindamos soluciones. Aquí tienes las razones por las que somos la opción ideal para inversionistas internacionales:

  1. Somos Prestamistas Directos: Como prestamistas directos, manejamos todo internamente, brindándote aprobaciones más rápidas y tasas competitivas.
  2. Somos Súper Brokers: Con préstamos internos, acceso a más de 150 socios y una experiencia exclusiva trabajando con clientes internacionales, garantizamos un proceso fluido adaptado a tus necesidades.
  3. Entendemos a los Inversionistas Internacionales: Trabajamos exclusivamente con clientes internacionales, comprendemos tus desafíos y ofrecemos soluciones personalizadas.

Tu Inversión, Simplificada

Desde montos de préstamo reducidos hasta calificaciones basadas en DSCR, estamos haciendo que la inversión en bienes raíces en EE. UU. sea más fácil y accesible que nunca.

Invierte en Cualquier Estado de EE. UU.—La Elección Es Tuya

Con nuestros programas disponibles en los 50 estados, tienes la libertad de invertir donde más te convenga. Ya sea que busques un mercado en auge o una zona de alta demanda de alquiler, estamos aquí para apoyarte.

Tu Inversión en Bienes Raíces en EE. UU. Comienza Aquí

En America Mortgages, estamos para hacer el proceso simple, rápido y seguro. Ya sea que seas nuevo en la inversión o un profesional experimentado, nuestro equipo está listo para ayudarte a alcanzar tus objetivos con las mejores opciones de financiamiento disponibles.

Comienza tu inversión en bienes raíces en EE. UU. hoy mismo. Habla con un oficial de préstamos llamando al +1 (845) 583-0830, envíanos un correo a [email protected] o visita www.americamortgages.com para explorar tus opciones.

贷款额度降至$100,000：现在人人都能成为美国房地产投资者

在America Mortgages，我们让美国房地产投资变得比以往更加便捷。随着我们新的最低贷款额度降低至$100,000，拥有美国房产不再是大型投资者的专属。不管您是想在美国积累财富的外国投资者，还是希望回国投资的美国侨民，我们让您更容易迈出第一步。

更低的最低贷款额度：$100,000

将最低贷款额度降至$100,000，为更多投资者打开了进入美国房地产市场的大门。通过较小的资本要求，您可以从购买新兴市场的入门级房产开始，这使迈出第一步更加容易。这还允许您通过投资多处房产或不同地区来分散投资组合，降低风险，同时最大化增长潜力。

我们降低的贷款门槛打破了障碍，让您无需大额初始投资就能进入美国房地产市场。

全新推出的Rental Coverage+贷款计划：核心是DSCR

我们的Rental Coverage+贷款计划专为国际投资者设计，通过专注于房产的收入潜力，而非个人财务细节，简化了资格认证过程。与其关注您的个人收入或信用记录，我们通过**债务服务覆盖比率（DSCR）**来进行资格认证。

什么是DSCR，为什么它很重要？

DSCR评估您的房产租金收入是否足以覆盖贷款还款。简单来说，重点在于房产的收入潜力，而不是您的个人财务状况。这种方法非常适合那些希望通过简单的资格认证流程，增强投资组合信心的投资者。

计划的主要特点：

  • 最低贷款额度：通过LLC持有的房产最低$100,000，以个人名义持有的房产最低$150,000。
  • 贷款与价值比（LTV）：购买房产最高可达80%，现金再融资最高可达70%。
  • 审核标准：基于房产租金收入，无需个人收入证明。
  • 信用要求：无需美国信用记录。
  • 审批时间：快速，通常在30-45天内完成。

为什么选择America Mortgages？

在America Mortgages，我们不仅提供贷款，更提供解决方案。以下是国际投资者选择我们的原因：

  1. 我们是直接贷款机构：作为直接贷款机构，我们内部处理所有事务，为您提供更快的审批和更具竞争力的利率。
  2. 我们是超级经纪人：通过内部贷款、超过150家合作伙伴的资源，以及在服务国际客户方面的独特专业知识，我们确保流程顺畅且量身定制。
  3. 我们了解国际投资者：我们专注于国际客户，因此我们理解您的挑战，并提供满足您需求的定制化解决方案。

您的投资，简单化

从降低的贷款额度到基于DSCR的资格认证，我们让美国房地产投资变得前所未有的简单和可及。

在美国任何州投资——选择权在您手中

我们的计划适用于所有50个州，您可以自由选择最适合自己的投资地点。不论您看中的是快速发展的市场还是高需求的租赁区域，我们都能满足您的需求。

您的美国房地产投资，从这里开始

在America Mortgages，我们致力于让整个流程变得简单、快速且安全。无论您是初次投资者还是经验丰富的专业人士，我们的团队都随时准备为您提供最佳融资方案，帮助您实现目标。立即开始您的美国房地产投资。请拨打+1 (845) 583-0830与贷款专员联系，发送电子邮件至[email protected]，或访问www.americamortgages.com了解更多选项。

The Smartest Move You’ll Ever Make: Investing in U.S. Real Estate

If you’ve been sitting on the sidelines, waiting for the perfect moment to jump into the U.S. real estate market, there’s no better time than now to act. The U.S. housing market is bursting with opportunity, and savvy investors are already reaping the rewards. Whether it’s skyrocketing property values, rental demand, or innovative financing options, everything you need to accelerate your wealth-building journey is already set in motion.

Why Savvy Investors Are Turning to U.S. Real Estate

1. Homeowners Are Getting Rich—Fast

Over the past five years, the average U.S. homeowner has seen their wealth grow by $150,000, according to Norada Real Estate Investments. That’s not just luck—that’s the power of owning real estate in one of the most stable markets in the world. Imagine what that kind of appreciation could do for you as an investor.

2. Demand Is at an All-Time High

Housing demand is skyrocketing. In fact, according to Business Times, U.S. home purchase applications have hit their highest levels since February 2024. What does that mean for you? More buyers and renters competing for fewer properties. That’s a recipe for higher rents and faster property appreciation— which means more money in your pocket.

3. Prices Keep Climbing

Think property prices are cooling off? Think again. The FHFA reports a 4.3% year-over-year increase in U.S. home prices, with no signs of slowing down. For investors, this steady growth means your investment won’t just hold its value—it’ll grow consistently over time.

How America Mortgages Makes It Easy to Invest

Investing in U.S. real estate as an international investor or U.S. expat is an incredible opportunity—and it’s easier than you might think. With America Mortgages, you’ve got a partner who knows exactly how to make it happen. From start to finish, we’re here to make the process smooth and straightforward, so you can focus on building your wealth and reaching your goals.

1. Applying Is Incredibly Easy

Forget the paperwork nightmares. America Mortgages has streamlined the mortgage application process to make it as simple as possible. Whether you’re a foreign national or an expat, our process ensures you can apply from anywhere in the world.

2. Exclusive Loan Programs Tailored for Investor

America Mortgages offers Expanded Cash Flow (DSCR) loans that let you qualify for a mortgage based on the rental income of your investment property. No need to worry about personal income or complex tax documents. It’s simple, straightforward, and designed specifically for real estate investors.

3. Qualification Based on Rental Income Alone

Don’t have a U.S. credit score? No problem. With America Mortgages, you can qualify for financing based solely on the rental income of the property you want to buy. This program makes securing funding simple and straightforward, so you can focus on your investment goals.

4. Access to Unbeatable Opportunities

When you work with America Mortgages, you gain access to exclusive U.S. real estate investment opportunities. Our team understands the market inside and out and is ready to connect you with high-yield properties that match your goals.

5. Tailored Support for International Investors

Whether you’re a U.S. expat, foreign national with zero U.S. financial history, America Mortgages specializes in making your investment journey smooth and stress-free. Our expertise eliminates barriers and ensures you get the financing you need—fast.

Why You Should Act Now

The U.S. real estate market is packed with opportunity, but it won’t last forever. Rising property values, growing rental demand, and exclusive financing solutions make this the perfect time to invest.

With America Mortgages, you’ll have everything you need to build wealth and achieve financial freedom. Don’t wait—the perfect moment is now. Take the first step today and let the U.S. real estate market work for you.Contact us today to get started! Visit www.americamortgages.com, call +1 (845) 583-0830 to speak with a loan officer, or schedule a call with a U.S. mortgage specialist here. Don’t wait—your investment journey starts now!

Si has estado esperando el momento perfecto para entrar al mercado inmobiliario de Estados Unidos, no hay mejor momento que ahora para actuar. El mercado de la vivienda en EE.UU. está lleno de oportunidades, y los inversores inteligentes ya están cosechando los beneficios. Ya sea por el aumento vertiginoso en los valores de las propiedades, la alta demanda de alquileres o las opciones de financiamiento innovadoras, todo lo que necesitas para acelerar tu camino hacia la creación de riqueza ya está en marcha.

Por qué los inversores inteligentes están recurriendo al mercado inmobiliario de EE.UU.

  1. Los propietarios están ganando dinero—rápidamente

En los últimos cinco años, el propietario promedio en EE.UU. ha visto crecer su patrimonio en $150,000, según Norada Real Estate Investments. No es solo suerte, es el poder de poseer bienes raíces en uno de los mercados más estables del mundo. Imagina lo que ese tipo de apreciación podría hacer por ti como inversor.

  1. La demanda está en su punto más alto

La demanda de vivienda está aumentando rápidamente. Según Business Times, las solicitudes de compra de vivienda en EE.UU. han alcanzado sus niveles más altos desde febrero de 2024. ¿Qué significa eso para ti? Más compradores e inquilinos compitiendo por menos propiedades. Es una receta para alquileres más altos y una apreciación más rápida de las propiedades, lo que significa más dinero en tu bolsillo.

  1. Los precios siguen subiendo

¿Piensas que los precios de las propiedades se están enfriando? Piénsalo de nuevo. Según la FHFA, los precios de las viviendas en EE.UU. han aumentado un 4.3% interanual, sin señales de desaceleración. Para los inversores, este crecimiento constante significa que tu inversión no solo mantendrá su valor, sino que seguirá creciendo con el tiempo.

Cómo America Mortgages facilita la inversión

Invertir en bienes raíces en EE.UU. como inversor internacional o expatriado estadounidense es una oportunidad increíble—y más fácil de lo que podrías pensar. Con America Mortgages, tienes un socio que sabe exactamente cómo hacer que suceda. Desde el inicio hasta el final, estamos aquí para hacer que el proceso sea fluido y sencillo, para que puedas enfocarte en construir tu patrimonio y alcanzar tus metas.

  1. Solicitar es increíblemente fácil

Olvídate de las pesadillas de papeleo. America Mortgages ha simplificado el proceso de solicitud hipotecaria para hacerlo lo más sencillo posible. Ya seas extranjero o expatriado, nuestro proceso asegura que puedes aplicar desde cualquier parte del mundo.

  1. Programas de préstamos exclusivos diseñados para inversores

America Mortgages ofrece préstamos de flujo de efectivo ampliado (DSCR) que te permiten calificar para una hipoteca basándote en los ingresos por alquiler de tu propiedad de inversión. No necesitas preocuparte por tus ingresos personales ni por documentos fiscales complicados. Es simple, directo y diseñado específicamente para los inversores inmobiliarios.

  1. Calificación basada únicamente en los ingresos por alquiler

¿No tienes un puntaje de crédito en EE.UU.? No hay problema. Con America Mortgages, puedes calificar para financiamiento únicamente con base en los ingresos por alquiler de la propiedad que deseas comprar. Este programa hace que asegurar fondos sea fácil y directo, para que puedas enfocarte en tus metas de inversión.

  1. Acceso a oportunidades incomparables

Al trabajar con America Mortgages, obtienes acceso a oportunidades exclusivas de inversión inmobiliaria en EE.UU. Nuestro equipo entiende el mercado a fondo y está listo para conectarte con propiedades de alto rendimiento que se alineen con tus objetivos.

  1. Soporte personalizado para inversores internacionales

Ya seas un expatriado estadounidense o un extranjero sin historial financiero en EE.UU., America Mortgages se especializa en hacer que tu viaje de inversión sea fluido y sin estrés. Nuestra experiencia elimina barreras y asegura que obtengas el financiamiento que necesitas—rápidamente.

Por qué deberías actuar ahora

El mercado inmobiliario de EE.UU. está lleno de oportunidades, pero no durará para siempre. Los valores de las propiedades en aumento, la creciente demanda de alquileres y las soluciones de financiamiento exclusivas hacen que este sea el momento perfecto para invertir.

Con America Mortgages, tendrás todo lo que necesitas para construir tu riqueza y lograr la libertad financiera. No esperes—el momento perfecto es ahora. Da el primer paso hoy y deja que el mercado inmobiliario de EE.UU. trabaje para ti. ¡Contáctanos hoy mismo para comenzar! Visita www.americamortgages.com, llama al +1 (845) 583-0830 para hablar con un agente de préstamos o programa una llamada con un especialista hipotecario en EE.UU. aquí. ¡No esperes, tu viaje de inversión comienza ahora!

如果你一直在等待进入美国房地产市场的最佳时机，那么现在就是行动的绝佳时刻。美国房地产市场充满了机会，精明的投资者已经开始收获回报。无论是房产价值的快速增长、租赁需求的激增，还是创新的融资选项，你所需的一切都已经准备就绪，加速你的财富积累之旅。

为什么精明的投资者选择美国房地产

  1. 房主财富快速增长

根据Norada Real Estate Investments的数据，在过去五年中，美国普通房主的财富增加了15万美元。这不仅仅是运气，这是拥有全球最稳定市场之一的房地产的力量。想象一下，作为投资者，这种增值对你意味着什么。

  1. 住房需求达到历史新高

住房需求正在快速上升。根据Business Times，美国购房申请量已达到2024年2月以来的最高水平。这对你意味着什么？更多的买家和租户在竞争更少的房源。这是一种推动租金上涨和房产快速增值的良性循环——意味着更多的收入进你的口袋。

  1. 房价持续攀升

认为房价正在降温？再想想吧。根据FHFA的数据，美国房价同比上涨4.3%，没有放缓的迹象。对于投资者来说，这种稳定的增长意味着你的投资不仅能保持价值，还能随着时间的推移持续增值。

如何通过America Mortgages轻松投资

作为国际投资者或美国外派人士，投资美国房地产是一个令人难以置信的机会——比你想象的更容易。有了America Mortgages，你将拥有一个了解如何实现这一目标的合作伙伴。从头到尾，我们将确保过程顺畅简单，让你专注于积累财富并实现目标。

  1. 申请流程非常简单

忘掉繁琐的文书工作吧。America Mortgages简化了抵押贷款申请流程，让它尽可能简单。无论你是外国公民还是外派人士，我们的流程确保你可以从世界任何地方申请。

  1. 为投资者量身定制的专属贷款计划

America Mortgages提供扩展现金流（DSCR）贷款，使你可以根据投资物业的租金收入获得抵押贷款资格。无需担心个人收入或复杂的税务文件。这是一种简单、直接的方式，专为房地产投资者设计。

  1. 仅凭租金收入即可获得贷款资格

没有美国信用分数？没问题。有了America Mortgages，你可以仅凭你想购买物业的租金收入获得融资资格。这个项目让资金获取变得简单直接，让你专注于你的投资目标。

  1. 获得无与伦比的投资机会

通过与America Mortgages合作，你可以获得独家美国房地产投资机会。我们的团队对市场了如指掌，并随时为你连接与目标匹配的高收益物业。

  1. 为国际投资者量身定制的支持

无论你是美国外派人士，还是没有美国金融历史的外国公民，America Mortgages专注于让你的投资之旅顺畅无忧。我们的专业知识可以消除障碍，并确保你快速获得所需的融资。

为什么你应该立即行动

美国房地产市场充满机会，但这种局面不会永远持续下去。房价上涨、租赁需求增加以及独特的融资解决方案，使得现在是投资的最佳时机。

有了America Mortgages，你将拥有一切所需工具，帮助你积累财富并实现财务自由。不要等待——现在就是最佳时机。今天就迈出第一步，让美国房地产市场为你服务！联系我们开始吧！访问 **www.americamortgages.com**，拨打 +1 (845) 583-0830 与贷款专员联系，或安排与美国抵押贷款专家的电话咨询。不要等待，你的投资之旅现在就开始！

Maximize Your U.S. Property Profits with Tailored Tax Planning: America Mortgages Concierge Series for U.S. Property Investors

Are you looking for expert tax planning to optimize your U.S. property investment returns? America Mortgages has partnered with AITAX to provide tailored tax solutions specifically designed for U.S. property investors, regardless of whether you’re a foreign national or a U.S. expat.

As part of our America Mortgages Concierge Series, we aim to make managing U.S. property investments as simple as possible, including handling and filing U.S. taxes. With AITAX’s expertise in tax strategies for foreign investors, you’ll have the guidance needed to navigate U.S. tax laws and maximize your investment’s return.

How do I offset income earned on my rental property? How can I mitigate or avoid capital gains taxes? How do I structure it to be tax-efficient for estate purposes? These are some of the many questions we receive regularly when it comes to U.S. real estate investing. It may seem complicated; however, when you have expert tax advice, you’ll see that the U.S. is a straightforward and beneficial tax country for real estate investments.

America Mortgages and AITAX – Tax Help You Can Count On

At America Mortgages, we aim to be more than just your mortgage provider—we’re here to give you the tools to succeed in U.S. property investing. One of those tools is maximizing your rental yield by minimizing your tax with expert planning, and that’s exactly why we’ve teamed up with AITAX.

AITAX focuses only on tax strategies and preparation for non-U.S. residents. We’ve found that companies whose focus aligns with America Mortgages bring significant value to our clients’ lives and businesses.

Here’s what AITAX offers:

  • Custom Tax Solutions: AITAX creates tax plans that fit your unique situation as an international property investor. They help you follow U.S. tax laws while reducing the amount of tax you pay.
  • Planning Ahead: AITAX helps you plan for the future by showing you ways to save money through tax deductions, credits, and smart strategies.
  • Full Support: Whether you need help filing your taxes or dealing with questions from the government, AITAX will be there to guide you.
  • Easy to Use: Their online tools make it simple to handle your U.S. taxes, no matter where you are in the world.

A Recent Case Study

An investor living in Germany purchased a rental property in Los Angeles using an America Mortgages mortgage. She accessed AITAX through our concierge service, where we connected her with their expert team. AITAX created a tax structure for her that allowed her to not only write off all of the rental income generated from her property last year but also amend her previous year’s return. She ended up not only better understanding the U.S. tax rules but, more importantly, saving thousands of dollars and increasing her rental yield.

Make Taxes Easier with America Mortgages

Whether you’re new to property investing or a seasoned investor, America Mortgages’ concierge services connect you with trusted partners like AITAX to make owning U.S. property simpler and more profitable. AITAX takes care of everything, from planning your taxes to filing them so you can focus on your investments.

Missed Our Webinar on U.S. Property Tax Planning? Watch It Here:

Our team is here to help you 24/7, no matter where you are in the world. Ready to make your U.S. property investment more successful with expert tax help? Get started with America Mortgages and AITAX today!

To schedule a call with a U.S. mortgage specialist, click here. For immediate assistance, call us at +1 (845) 583-0830.

www.americamortgages.com

Maximiza tus ganancias en propiedades estadounidenses con planificación fiscal personalizada: Serie de conserjería de America Mortgages para inversores en propiedades de EE. UU.

¿Buscas una planificación fiscal experta para optimizar los rendimientos de tu inversión en propiedades en EE. UU.? America Mortgages se ha asociado con AITAX para ofrecer soluciones fiscales personalizadas diseñadas específicamente para inversores en propiedades de EE. UU., ya seas un ciudadano extranjero o un expatriado estadounidense.

Como parte de nuestra Serie de Conserjería de America Mortgages, nuestro objetivo es simplificar la gestión de inversiones en propiedades en EE. UU., incluyendo el manejo y la presentación de impuestos estadounidenses. Con la experiencia de AITAX en estrategias fiscales para inversores extranjeros, contarás con la orientación necesaria para navegar las leyes fiscales de EE. UU. y maximizar el retorno de tu inversión.

Preguntas Frecuentes:

  • ¿Cómo compenso los ingresos obtenidos de mi propiedad en alquiler?
  • ¿Cómo puedo mitigar o evitar los impuestos sobre las ganancias de capital?
  • ¿Cómo estructuro mi inversión para que sea eficiente en términos fiscales para propósitos de herencia?

Estas son algunas de las muchas preguntas que recibimos regularmente sobre la inversión en bienes raíces en EE. UU. Puede parecer complicado; sin embargo, con asesoramiento fiscal experto, verás que EE. UU. es un país sencillo y beneficioso en términos fiscales para inversiones inmobiliarias.

America Mortgages y AITAX – Asesoría Fiscal Confiable

En America Mortgages, nuestro objetivo es ser más que tu proveedor de hipotecas; estamos aquí para brindarte las herramientas para tener éxito en la inversión en propiedades en EE. UU. Una de esas herramientas es maximizar tu rendimiento de alquiler minimizando tus impuestos con una planificación experta, y es precisamente por eso que nos hemos asociado con AITAX.

¿Te perdiste nuestro seminario web sobre planificación fiscal en EE. UU.? Míralo aquí.

AITAX se enfoca únicamente en estrategias y preparación fiscal para no residentes en EE. UU. Hemos descubierto que las empresas cuyo enfoque se alinea con America Mortgages aportan un valor significativo a la vida y los negocios de nuestros clientes.

Lo que ofrece AITAX:

  • Soluciones Fiscales Personalizadas: AITAX crea planes fiscales que se ajustan a tu situación única como inversor internacional en propiedades. Te ayudan a cumplir con las leyes fiscales de EE. UU. mientras reducen la cantidad de impuestos que pagas.
  • Planificación a Futuro: AITAX te ayuda a planificar para el futuro mostrándote formas de ahorrar dinero a través de deducciones fiscales, créditos y estrategias de inversión inteligentes.
  • Cumplimiento Simplificado: AITAX asegura que cumplas con todas las normativas fiscales de EE. UU., para que no te enfrentes a multas o problemas legales.

Inicia hoy:

Si estás interesado en maximizar tus rendimientos de propiedades y optimizar tu situación fiscal en EE. UU., contacta a America Mortgages. Ya sea que necesites asesoramiento fiscal o estés buscando oportunidades de financiamiento, nuestro equipo está aquí para ayudarte.

Opciones de contacto:

通过个性化税务规划最大化您的美国房产利润：America Mortgages 为美国房产投资者推出的礼宾服务系列

您是否正在寻找专业的税务规划，以优化您在美国房产投资中的收益？America Mortgages 与 AITAX 合作，为美国房产投资者提供专门设计的个性化税务解决方案，无论您是外国公民还是美国外派人士。

作为 America Mortgages 礼宾服务系列 的一部分，我们的目标是简化您在美国的房产投资管理，包括美国税务的处理和申报。在 AITAX 的专业支持下，您将获得清晰的指导，轻松应对美国税务法规并最大化您的投资回报。

常见问题解答：

  • 如何抵扣租赁收入所得税？
  • 如何降低或避免资本利得税？
  • 如何以税务高效的方式结构化我的投资，以用于遗产规划？

这些是我们在美国房地产投资中经常收到的问题。虽然听起来可能复杂，但在专业税务建议的帮助下，您会发现美国在房地产投资税务方面其实是一个简单而有利的国家。

America Mortgages 和 AITAX – 值得信赖的税务顾问

在 America Mortgages，我们的目标不仅仅是为您提供贷款服务；我们还致力于为您的美国房产投资成功提供所需的工具。其中一个重要工具就是通过专业的税务规划来最大化您的租金收益并最小化您的税负。正因如此，我们与 AITAX 合作。

您错过了我们的税务规划网络研讨会吗？点击这里观看

AITAX 专注于为美国非居民提供税务策略和申报服务。我们发现，与 America Mortgages 使命一致的公司可以为我们的客户的生活和业务带来极大的价值。

AITAX 提供的服务：

  • 个性化税务解决方案： AITAX 根据您作为国际房产投资者的独特情况制定税务规划，帮助您遵守美国税法，同时减少您的税负。
  • 未来规划： AITAX 通过税收减免、抵扣以及聪明的投资策略，帮助您为未来节省资金。
  • 合规简化： AITAX 确保您遵守美国所有税务法规，从而避免罚款或法律问题。

立即开始：

如果您希望通过优化税务状况来最大化房产收益，请立即联系 America Mortgages。无论您需要税务建议还是寻找融资机会，我们的团队都随时为您服务。

联系方式：

Property Insurance Made Easy: America Mortgages Concierge Series for U.S. Property Investors

Looking for reliable property insurance tailored to protect your U.S. property investment? America Mortgages has partnered with Steadily Insurance to make it easier and more affordable than ever.

As part of our America Mortgages Concierge Series, we aim to simplify each aspect of owning U.S. property, including securing comprehensive insurance coverage. Steadily’s expertise in solutions for foreign investors and U.S. expats ensures you’ll have the protection you need—without the hassle. This partnership provides peace of mind, allowing you to focus on maximizing your investment with full confidence.

America Mortgages and Steadily Insurance—Comprehensive Protection for Your U.S. Property

Unexpected risks, such as natural disasters or accidental damage, can pose challenges for any property owner. By teaming up with Steadily Insurance, America Mortgages helps overseas investors protect their U.S. real estate with customized coverage that offers strong, reliable security for their assets.

With Steadily, you get:

  • Specialized Coverage: Steadily offers insurance designed specifically for rental property owners. They cater to a range of clients, including overseas investors, with policies suited for rental property protection.
  • Fast and Convenient Service: Steadily emphasizes a streamlined policy setup process, allowing clients to secure coverage quickly. They provide flexibility to adapt policies as property needs change.
  • Transparent and Competitive Pricing: Steadily is known for providing clear, competitive pricing without hidden fees, ensuring clients understand their costs and coverage from the start.
  • User-Friendly Online Access: Steadily offers an accessible online platform for policy management, allowing clients to handle their insurance details remotely, which is beneficial for international investors needing 24/7 access.

A Recent Case Study

A client from Sydney, Australia, recently bought a rental property in Austin, Texas and wanted reliable insurance to cover not only the minimum of what the lender required but also additional insurance to cover all aspects of his property. He accessed Steadily Insurance through our concierge service, and in just a few days, he had a policy in place, which was less expensive and more comprehensive than his existing policy, giving him the protection and peace of mind he was looking for. Steadily’s quick, expert assistance helped him feel secure and confident in managing his U.S. property from afar.

Whether you’re protecting a single investment or a growing portfolio, America Mortgages’ free concierge services help make property ownership more manageable. We’ll connect you with trusted partners like Steadily, ensuring that insurance—and every other aspect of your investment journey—is fully supported.

Missed Our Webinar with Steadily Insurance? Watch It Here:

Our team works around the clock, seven days a week, to support clients in every time zone. Ready to secure your U.S. property investment with the right insurance coverage? Start with America Mortgages today!

To apply for a U.S. mortgage loan, click here. For immediate assistance, call us at +1 (845) 583-0830 or schedule a call at your convenience.

Next week, we’ll discuss U.S. tax planning strategies and why they’re crucial for overseas property owners. Stay tuned!

www.americamortgages.com

Seguro de Propiedad Simplificado: Serie de Conserjería de America Mortgages para Inversores Inmobiliarios en EE. UU.

¿Está buscando un seguro de propiedad confiable diseñado para proteger su inversión inmobiliaria en EE. UU.? America Mortgages se ha asociado con Steadily Insurance para hacerlo más fácil y asequible que nunca.

Como parte de nuestra Serie de Conserjería de America Mortgages, nuestro objetivo es simplificar cada aspecto de la propiedad en EE. UU., incluyendo la obtención de cobertura de seguro integral. La experiencia de Steadily en soluciones para inversores extranjeros y expatriados de EE. UU. garantiza que tendrá la protección que necesita, sin complicaciones.

America Mortgages y Steadily Insurance: Protección Integral para su Propiedad en EE. UU.

Riesgos inesperados, como desastres naturales o daños accidentales, pueden representar desafíos para cualquier propietario. Al asociarse con Steadily Insurance, America Mortgages ayuda a los inversores internacionales a proteger su propiedad inmobiliaria en EE. UU. con una cobertura personalizada que ofrece seguridad sólida y confiable para sus activos.

Con Steadily, obtiene:

  • Cobertura Especializada: Steadily ofrece seguros diseñados específicamente para propietarios de propiedades en alquiler. Atienden a una variedad de clientes, incluyendo inversores internacionales, con pólizas adecuadas para la protección de propiedades en alquiler.
  • Servicio Rápido y Conveniente: Steadily enfatiza un proceso de configuración de pólizas simplificado, permitiendo a los clientes asegurar cobertura rápidamente. Proporcionan flexibilidad para adaptar las pólizas a medida que cambian las necesidades de la propiedad.
  • Precios Transparentes y Competitivos: Steadily es conocida por proporcionar precios claros y competitivos sin tarifas ocultas, asegurando que los clientes comprendan sus costos y cobertura desde el principio.
  • Acceso en Línea Fácil de Usar: Steadily ofrece una plataforma en línea accesible para la gestión de pólizas, permitiendo a los clientes manejar los detalles de su seguro de forma remota, lo cual es beneficioso para los inversores internacionales que necesitan acceso 24/7.

Un Estudio de Caso Reciente

Una clienta de Sídney, Australia, compró recientemente una propiedad en alquiler en Austin, Texas, y quería un seguro confiable que cubriera no solo el mínimo requerido, sino también daños por inundación y vandalismo. Al asociarse con Steadily a través de America Mortgages, pudo obtener una póliza que cubría todas sus necesidades específicas, asegurando su inversión con confianza.

Simplifique su Seguro de Propiedad con America Mortgages

Ya sea que sea nuevo en la inversión inmobiliaria o un inversor experimentado, los servicios de conserjería de America Mortgages lo conectan con socios confiables como Steadily para hacer que poseer propiedades en EE. UU. sea más sencillo y rentable. Steadily se encarga de todo, desde la planificación de su seguro hasta la gestión de pólizas, para que pueda concentrarse en sus inversiones.

Para obtener más información sobre cómo proteger su inversión inmobiliaria en EE. UU., visite America Mortgages.

Nuestro equipo está aquí para ayudarlo las 24 horas del día, los 7 días de la semana, sin importar dónde se encuentre en el mundo. ¿Listo para hacer que su inversión inmobiliaria en EE. UU. sea más exitosa con ayuda experta en seguros? Comience con America Mortgages y Steadily hoy mismo.

¿Te perdiste nuestro seminario web sobre seguros de propiedad? Míralo aquí.

Para programar una llamada con un especialista en hipotecas de EE. UU., haga clic aquí. Para asistencia inmediata, llámenos al +1 (845) 583-0830.

www.americamortgages.com

简化的物业保险：America Mortgages 为美国房产投资者提供的礼宾服务系列

您是否在寻找可靠的物业保险，以保护您在美国的房产投资？America Mortgages 与 Steadily Insurance 合作，使这一过程变得比以往更加简单和实惠。

作为 America Mortgages 礼宾服务系列 的一部分，我们的目标是简化在美国的房产投资管理，包括提供 综合保险保障。Steadily 在为外国投资者和美国外派人员提供解决方案方面的经验，确保您能够轻松获得所需的保护，而无需繁琐的过程。

America Mortgages 与 Steadily Insurance：为您的美国房产提供全面保障

突如其来的风险，如自然灾害或意外损害，可能对任何房主造成挑战。通过与 Steadily Insurance 的合作，America Mortgages 帮助国际投资者通过量身定制的保险保障，提供强有力的财产保护。

与 Steadily 合作，您将获得：

  • 专业保障：Steadily 提供专门针对出租房产的保险，服务多种客户，包括国际投资者，提供适合出租房产保护的保单。
  • 快捷便捷的服务：Steadily 强调简化的保单设置过程，使客户能够迅速获得保障。他们为您根据物业需求变化灵活调整保单。
  • 透明且具有竞争力的价格：Steadily 以提供清晰且有竞争力的价格而闻名，无隐藏费用，确保客户从一开始就理解自己的成本和保障内容。
  • 易于使用的在线平台：Steadily 提供便捷的在线平台，供客户随时随地管理保单，对于需要 24/7 访问的国际投资者尤为有利。

近期案例研究

一位来自澳大利亚悉尼的客户最近在德克萨斯州奥斯汀购买了一套出租物业，并希望获得一个不仅覆盖最低要求，还能涵盖洪水和破坏性事件的可靠保险。通过 America Mortgages 与 Steadily 合作，她获得了一份符合其所有具体需求的保单，确保了她的投资安全。

通过 America Mortgages 简化您的物业保险

无论您是房地产投资新手还是经验丰富的投资者，America Mortgages 的礼宾服务将帮助您与 Steadily 等可靠的合作伙伴建立联系，使在美国拥有房产变得更加简单和有利可图。Steadily 负责从保险规划到保单管理的一切，让您可以专注于您的投资。

有关如何保护您的美国房产投资的更多信息，请访问 America Mortgages。

我们的团队随时为您提供帮助，无论您身在何处。准备好通过专业的保险帮助使您的美国房产投资更成功吗？今天就开始与 America Mortgages 和 Steadily 合作吧。

错过我们的物业保险研讨会了吗？ 点击这里观看。

要与美国贷款专家安排通话，请点击 这里。如需立即帮助，请拨打 +1 (845) 583-0830。

www.americamortgages.com

Q&A: Investing in NYC Real Estate for Global Clients

In the webinar, “Investing in NYC Real Estate for Global Clients,” Alistar Aunty, Managing Director of Bridgewater International, and Robert Chadwick, CEO of America Mortgages, provided valuable insights into NYC real estate. They discussed the benefits of full-service property management for international investors, strategies to enhance ROI, and NYC’s property market dynamics.

Bridgewater’s investor support, and mortgage options tailored for global clients.  For those who couldn’t attend, the recording is now accessible here. 

During the session, Alistar Aunty (AA) and Robert Chadwick (RC) addressed a variety of questions, offering informative responses to help global investors make informed decisions in the NYC real estate market. Remarks have been edited for clarity and brevity.

Do you only manage properties in NYC, or do you cover other states as well?

AA: We primarily manage properties in New York, New Jersey, and Florida. We have managed properties in other locations, like Chicago, but our main focus and expertise are in NYC, NJ, and FL.

What is the rental market like in New York

AA: The rental market in NYC is robust, with high demand since about 70% of residents rent. A well-maintained property in a good location will always attract tenants, especially if it has amenities.

What about capital growth?

AA: Historically, NYC has shown steady capital appreciation. Although recent interest rate hikes have kept prices relatively static, we expect capital growth to resume as interest rates decrease. If trends from 1999 to 2019 continue, there should be good appreciation in the coming years.

Would you help in finding tenants for us?

AA: Yes, finding tenants is a key part of our services. The sooner we can secure a well-qualified tenant, the sooner you start earning income and improving your return on investment.

Hi Alistar, how frequently do you conduct routine site visits to the properties you manage?

AA: For newly purchased properties, we conduct several visits during the build phase and a pre-completion inspection. Once occupied, we visit 1–2 times per year, which balances tenant privacy with inspection needs.

Hi Robert, what’s your advice? Should we wait for interest rates to drop, given the potential upcoming rate cut?

RC: I recommend buying now and refinancing later if rates drop, as waiting could mean missing a buyer’s market. Once rates decrease, demand might push prices up.

Thank you for the webinar. I work with high-net-worth individuals and families based in Africa. Can a bespoke New York/international property investment vehicle/company be designed and managed for high-net-worth families? Are there any residence advantages?

RC & AA: Yes, a bespoke investment structure, like a U.S. LLC, can be set up to manage properties for high-net-worth individuals, providing legal and tax benefits, such as estate tax advantages.

What’s the average mortgage rate for foreign buyers?

RC: Foreign buyers typically pay about 1% more than U.S. residents with excellent credit. Current rates for foreign buyers are in the high 6% to mid-7% range.

How do you think interest rates will change moving forward?

RC: Interest rates are expected to decrease, especially with a pro-real-estate administration that may lower rates to stimulate the market.

I’m a U.S. citizen living overseas with little to no U.S. credit. Which mortgage program applies to me?

RC: You would initially qualify as a foreign national. After reestablishing U.S. credit over about two years, you could switch to an expat loan, typically at a slightly better rate.

What is the current 30-year fixed rate?

RC: Rates vary depending on factors like loan-to-value (LTV) and borrower profile. For foreign buyers, rates generally start around 6% and can go higher.

What are the typical exit costs (e.g., capital gains, broker fees)?

RC: Broker fees are typically 2% of the loan amount. The U.S. offers tax benefits like the 1031 exchange, which defers capital gains tax if proceeds are reinvested in a similar or more expensive property.

Is it possible to qualify for a mortgage on an off-plan property before completion?

RC: Yes, we can pre-approve you for off-plan properties, but locking in the rate long-term may be challenging. Given current trends, you might want to avoid locking in as rates are likely to decrease.

If I bought a property but already own in Connecticut, can I buy now (pre-build) and take advantage of the 1031 Exchange when I sell my Connecticut property?

AA: Yes, you can use the 1031 Exchange if you complete the purchase of a new property within 180 days after selling the Connecticut property, and the new property is of equal or higher value.

What rates apply in different scenarios?

RC: Rates depend on factors like LTV and borrower profile. Foreign buyers usually face slightly higher rates and slightly reduced LTV compared to U.S. residents.

I’m a dual citizen living in Australia but own property in the USA. Can I benefit from your services even if I visit the U.S. often?

AA: Yes, we can provide property management and related services even if you frequently visit, as we cater to both U.S.-based and international clients.

Do banks/lenders apply fees and charges for refinancing? If so, approximately how much?

RC: Yes, refinancing involves fees for appraisal, taxes, insurance, escrow, etc. On average, these costs are about 3% of the property’s closing price.

Contact us at [email protected]

Invertir en bienes raíces en la ciudad de Nueva York (NYC) ofrece oportunidades únicas para inversores internacionales. En un seminario web reciente, Alistar Aunty, Director General de Bridgewater International, y Robert Chadwick, Director Ejecutivo de America Mortgages, compartieron valiosas perspectivas sobre el mercado inmobiliario de NYC. Discutieron los beneficios de una gestión integral de propiedades para inversores internacionales, estrategias para mejorar el retorno de inversión (ROI) y las dinámicas del mercado inmobiliario de NYC. Para quienes no pudieron asistir, la grabación está disponible aquí.

Gestión de Propiedades en NYC

Bridgewater International se especializa en la gestión de propiedades en Nueva York, Nueva Jersey y Florida, ofreciendo servicios completos que incluyen la búsqueda de inquilinos, mantenimiento y gestión de arrendamientos. Su experiencia en el mercado local garantiza que las propiedades estén bien mantenidas y ocupadas, maximizando así el retorno de inversión para los propietarios internacionales.

Mercado de Alquiler en Nueva York

El mercado de alquiler en NYC es robusto, con una alta demanda, ya que aproximadamente el 70% de los residentes alquilan. Una propiedad bien mantenida en una buena ubicación siempre atraerá a inquilinos, especialmente si cuenta con comodidades adicionales.

Crecimiento de Capital

Históricamente, NYC ha mostrado una apreciación constante del capital. Aunque los recientes aumentos en las tasas de interés han mantenido los precios relativamente estables, se espera que el crecimiento del capital se reanude a medida que disminuyan las tasas de interés. Si las tendencias de 1999 a 2019 continúan, debería haber una buena apreciación en los próximos años.

Asistencia en la Búsqueda de Inquilinos

La búsqueda de inquilinos es una parte clave de los servicios ofrecidos. Cuanto antes se pueda asegurar un inquilino bien calificado, antes se comenzará a generar ingresos y a mejorar el retorno de inversión.

Visitas de Inspección

Para propiedades recién adquiridas, se realizan varias visitas durante la fase de construcción y una inspección previa a la finalización. Una vez ocupadas, se visitan de 1 a 2 veces por año, equilibrando la privacidad del inquilino con las necesidades de inspección.

Opciones de Financiamiento para Inversores Internacionales

America Mortgages ofrece soluciones de financiamiento hipotecario para expatriados estadounidenses y nacionales extranjeros que viven en el extranjero. Con más de 150 programas de bancos y prestamistas de EE. UU., proporcionan opciones de financiamiento adaptadas a las necesidades de los inversores internacionales. Para obtener más información, visite su sitio web en www.americamortgages.com.

Conclusión

Invertir en bienes raíces en NYC presenta oportunidades significativas para inversores internacionales. Con la gestión adecuada y una comprensión clara del mercado, los inversores pueden lograr un crecimiento de capital estable y un flujo de ingresos constante. Colaborar con expertos locales y aprovechar las opciones de financiamiento disponibles puede facilitar el proceso y maximizar el retorno de inversión.

Contáctanos en [email protected]

在纽约市投资房地产为全球投资者提供了独特的机会。 在最近的网络研讨会上，Bridgewater International 的总经理 Alistar Aunty 和 America Mortgages 的首席执行官 Robert Chadwick 分享了关于纽约市房地产市场的宝贵见解。 他们讨论了为国际投资者提供全方位物业管理的好处、提高投资回报率（ROI）的策略以及纽约市房地产市场的动态。 对于未能参加的朋友，研讨会的录制可以在**这里**观看。

物业管理服务

Bridgewater International 专注于纽约、新泽西和佛罗里达州的物业管理，提供包括寻找租户、维护和租赁管理等一站式服务。 他们在本地市场的经验确保物业得到妥善维护并且能够吸引租户，从而最大化国际投资者的投资回报。

租赁市场

纽约市的租赁市场非常强劲，约70%的居民是租户。 一处位于好地段且维护得当的物业，尤其是附带附加设施的物业，通常能够吸引租户。

资本增值

从历史数据来看，纽约市的资本增值稳定。 尽管近期利率上升使房价相对稳定，但随着利率的下降，资本增值预计将恢复。 如果1999年至2019年的趋势得以延续，未来几年应会出现良好的资本增值。

租户寻找服务

寻找合适的租户是提供的关键服务之一。 尽早确保找到合格的租户，能帮助尽快开始产生收入并改善投资回报。

定期检查

对于新购买的物业，在建设阶段会进行多次访问，并进行完工前的检查。 一旦物业被租赁，每年会进行1至2次检查，以平衡租户的隐私与检查需求。

国际投资者的融资选择

America Mortgages 提供为在海外的美国外派人员和外国国民量身定制的房贷解决方案。 他们与超过150家银行和贷款机构合作，提供适合国际投资者需求的融资选项。 欲了解更多信息，请访问其官方网站：www.americamortgages.com

结论

投资纽约市房地产为国际投资者提供了显著的机会。 通过适当的管理和对市场的清晰理解，投资者可以实现稳定的资本增值和持续的收入流。 与本地专家合作并利用现有的融资选项可以简化流程，最大化投资回报。

欲了解更多信息，请访问 America Mortgages。 我们的团队随时为您提供帮助，无论您身在何处。 准备好通过专业的保险帮助使您的美国房产投资更成功吗？今天就开始与 America Mortgages 和 Steadily 合作吧。

要与美国贷款专家安排通话，请点击 这里。如需立即帮助，请拨打 +1 (845) 583-0830。

www.americamortgages.com

通过 [email protected] 联系我们

Home Prices Set to Surge 5% in the 4 Months Following the Election

On a national level, existing home sales dropped to a 14-year low in September, even with mortgage rates hitting a two-year low during that time, according to the National Association of Realtors®.

With that uncertainty gone, buyers will likely feel more secure in making this major decision.

Historically, home prices have shown a bullish trend!

Looking at the past five elections (2004–2020), a slowdown in home sales occurred in the four months leading up to just two of those elections—2004 and 2016.

Similarly, slowing price growth was seen before only two elections: 2004 and 2008.

But there’s more to the story—post-election, home sales and prices typically see a boost. 

Since 2004, home sales and prices have increased annually in the four months following each election, except in 2008, when the housing market was hit hard by the Great Recession.

Moreover, these post-election gains have generally outpaced the slowdown seen right before the election, with some exceptions (like 2012, where the improvement was modest). In contrast, years like 2016 and 2020 saw much sharper rebounds.

Key Insight => On average, home sales have increased by 7% annually in the four months following the last five presidential elections, and prices have risen by an average of 5%.

While mortgage rates and the overall economy are still the main drivers of homebuyer behaviour, the data points to a post-election bump in sales and price growth. The evidence suggests a positive outlook moving forward.

Here is a recent video we hosted on “Ask Us Anything About U.S. Real Estate Investing.”

In light of the election this week, we wanted to share some key insights with you. We’ll be back with our America Mortgages Concierge Series next week.

www.americamortgages.com

Q&A: Ask Us Anything! U.S. Real Estate Investing & Financing

In this Ask Us Anything! U.S. Real Estate Investing & Financing webinar, Robert Chadwick, CEO of America Mortgages, and Donald Kilp, Co-founder of Global Mortgage Group, provided valuable insights into U.S. mortgage trends, including the latest rate updates, market strategies, and investment opportunities for international investors.

For those who couldn’t attend, the recording is now accessible here.

During the session, Robert Chadwick (RC) and Donald Kilp (DK) addressed a variety of questions, offering informative responses to help investors make informed decisions in the current market environment. Remarks have been edited for clarity and brevity.


As an expat, I don’t receive a W2. Does that impact my rate or the terms that I qualify for?

RC: No, not having a W2 does not impact the rate or terms for expats, as the loan programs are designed for clients living and working abroad.

Is now still the right time to invest in U.S. real estate?

DK: Yes, given the current supply constraints, property prices are unlikely to decrease significantly, even with fluctuating interest rates. Buying now can be advantageous since future rate reductions could allow for refinancing at lower rates.

What expenses or costs can we expect when owning a property in the U.S.?

DK: Initial closing costs are around 5% of the loan amount, including fees, insurance, and taxes.

RC: Ongoing costs include property insurance, maintenance, property taxes, and any HOA fees, depending on the type of property.

I stayed up very late for this webinar, and I’m glad I did. As a Canadian, first-time U.S. real estate investor with excellent Canadian credit but no U.S. credit, how do I qualify to buy an investment property? What are the steps?

RC: You do not need U.S. credit to qualify. Programs exist that do not require credit history. Investment properties can qualify based on rental income rather than personal income.

Can you purchase real estate as an LLC?

RC: Yes, purchasing through an LLC is recommended due to liability protection and tax benefits.

How do you manage the properties?

DK: Property management services like Ausplan are available to assist with tenant management, maintenance, and overall property oversight.

How would you describe the current state of the California market?

DK: The California market is mixed. San Francisco is soft but has likely bottomed out, while other areas like Irvine have seen strong price growth.

I have a high-value property in California that is approximately US$18M. I have no debt on the property. It’s important for me to monetize the asset; what are my options?

RC: Options include a conventional mortgage or a short-term bridge loan for faster liquidity. A bridge loan can be arranged quickly, with the option to refinance into a conventional loan later.

Are there any recommendations on how to get the other 20-25%?

RC: Down payment requirements must come from the borrower’s own funds, though leveraging equity from other properties is an option for obtaining the necessary amount.

When should I apply for pre-approval prior to the expected date of purchase? And for how long is pre-approval valid?

RC: Apply for pre-approval when you begin looking for a property. It is valid for 60 days, assuming your financial situation remains the same.

Do we have to be working in the U.S.?

RC: No, it is not necessary to be working in the U.S. The programs are designed for foreign nationals and U.S. expats.

Does owning investment/rental property in the U.S. require me to file tax with the IRS – rental income tax, capital gains or inheritance taxes? Asking from a non-U.S. citizen and Middle East resident perspective.

RC: Yes, rental income requires IRS filing. However, proper tax planning can minimize tax obligations, especially for non-residents.

Does the loan cover other costs, e.g. legal, title, commissions, etc.?

RC: No, the loan covers the purchase price or appraised value but does not include additional costs like legal fees, title insurance, or commissions.

Where are we in the real estate cycle?

DK: Traditional cycles have shifted. With strong demand and supply constraints, despite higher interest rates, the market remains favorable for investment.

Will AM assist buyers with finding real estate across the States?

DK: Yes, America Mortgages can refer clients to vetted realtors and assist with finding suitable properties.

Do you have advisors in Italy I can talk to?

DK: While there are no advisors specifically based in Italy, America Mortgages has loan officers in Europe who can assist.

Can an investor utilize the 10-year interest-only period at any time during the loan term?

RC: The 10-year interest-only period applies at the beginning of the loan term and then converts to a principal and interest loan for the remaining 20 years.

Regarding interest rates, what is your forecast for 2025?

DK: Interest rates are expected to trend downward over time, although the exact rate is uncertain. Lower rates will benefit property investors through refinancing opportunities.

My husband is a dentist in Australia. Eventually, we want to move to the USA because the rest of our family lives there. Any suggestions for us?

DK, RC: If planning to move to the U.S., you can either buy an investment property now and convert it later or purchase a property as a holiday home. Pre-arranging financing with proof of income abroad can ease the transition.

Do we get to choose where we want to go in the U.S., or are there areas that are pre-set up for us?

DK: Investors have the freedom to choose any location. America Mortgages can provide guidance based on investment goals, such as rental income, lifestyle preferences, or market growth.

Does AM provide a one-stop-shop approach to investing in real estate in the U.S., i.e., source the property, secure the finance, manage settlement, etc.?

RC: Yes, they offer a concierge service that includes everything from finding properties to securing financing and property management.

What cities are the most promising, in your team’s opinion?

DK: Promising cities include Texas (Dallas), Georgia, and parts of the Midwest. The choice depends on investment goals and preferences.

In my experience, short-term rental can triple the cash flow. Am I allowed to rent my properties on Airbnb as a foreign citizen? Or must I obtain a working visa to do short-term rental business?

RC: You can qualify for the loan using long-term rental income, but how you rent the property (e.g., Airbnb) is up to you. There may be local requirements or regulations.

What is your down payment request per purchase?

RC: Foreign nationals need a 25% down payment, while U.S. expats need 20%.

How do we know we are getting the best market rate?

RC: As both a direct lender and broker, America Mortgages passes on the best rates available without additional markups.

Will an investor be able to monitor their investment online or via an app? i.e. view property, check capital growth, basic info to keep them satisfied with their investment?

RC: It depends on the property management company, though apps are available to monitor property performance.

Can I do cash out from Turkish property (equity)?

RC: No, loans are not offered for properties in Turkey, but equity from other eligible properties could be considered for investment in the U.S.

Do you charge any broker fees to your client? Or do you collect your commission from the financial institute?

RC: America Mortgages charges a brokerage fee directly to clients to secure competitive rates.

Can commercial property be purchased?

RC: Yes, commercial properties can be financed, though foreign nationals face more restrictions for properties above four units.

What is the standard term on rental agreements for investment properties in the U.S.?

RC: Typical rental agreements range from 12 to 24 months, depending on location and property management policies.

If I have a down payment of circa 25k (25% foreign national), what’s the upper limit/type of property I should be looking at to invest in, i.e. what amount of mortgage can I expect to go for? Also, who organizes things like finding sols/representatives?

RC: With a $25,000 down payment, the minimum property value should be $100,000. America Mortgages can assist with finding suitable realtors.

Loans to commercial properties, e.g. multifamily

RC: Yes, loans for one to four units are straightforward, but foreign nationals face more restrictions for properties with five or more units.

When investors analyze a deal, we will look at different metrics like capitalization rate, cash-on-cash return on investment, cash flow, IRR, and GRM. In your opinion, which metrics outweigh the other metrics? How do you define a good deal?

DK: Emphasizes the “1% rule” for rental income relative to property price and stresses positive cash flow as the key indicator of a good investment.

What about the approval? Are there any stumbling blocks on the way?

RC: Stumbling blocks are minimized through straightforward underwriting, focusing on the property’s cash flow rather than the borrower’s income.

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LLC Formation Made Simple. America Mortgages Concierge Series for U.S. Property Investors

Investing in U.S. real estate offers exciting opportunities for foreign nationals and U.S. expats, but structuring these investments correctly is key to protecting the asset and yourself. One effective approach is forming a Limited Liability Company (LLC), which provides benefits like liability protection and tax flexibility. In this week’s America Mortgages Concierge Series, we explore how an LLC can make U.S. property ownership more secure and strategic.

Why an LLC for U.S. Property?

  1. Asset Protection: An LLC limits personal liability, separating property-related risks from individual assets. In the event of a lawsuit or financial claim, this separation helps protect your personal wealth.
  2. Tax Efficiency: LLCs offer flexibility in tax structure, allowing investors to maximize deductions associated with real estate investments and choose how profits are taxed. This can lead to significant tax savings.
  3. Streamlined Estate Planning: Holding real estate in an LLC can make passing property to heirs smoother, often avoiding the probate process. This means less time, lower costs, and an easier transition for your loved ones.
  4. Privacy: By holding property in an LLC, ownership is listed under the company rather than your personal name, providing an extra layer of privacy that’s particularly appealing for high-net-worth investors.

America Mortgages’ LLC Concierge Service in Partnership with Nobility Consulting

At America Mortgages, our concierge service includes seamless LLC formation support in collaboration with Nobility Consulting. Here’s how our concierge service makes LLC formation hassle-free:

  • Expert Guidance: Our partners at Nobility Consulting are well-versed in U.S. LLC requirements, especially for foreign investors, ensuring compliance with local laws and regulations.
  • Efficient Filing and Setup: Nobility Consulting assists with state registration and other essential steps, making LLC formation straightforward and accessible for foreign investors.
  • Customized Structures: The LLC is structured to align with your unique investment needs, optimizing for asset protection, tax benefits, and future growth.

Case Study: Expanding Investments in Florida

A client from Canada recently wanted to invest in rental properties in Florida but was concerned about handling liability and tax implications. He connected with Nobility Consulting‘s experts through our concierge service, who guided him through LLC formation. This setup protected his personal assets from potential property liabilities and provided tax efficiencies to manage his rental income more effectively.

America Mortgages’ LLC formation concierge service is designed to simplify U.S. property ownership so investors can maximize their investment returns and strategy.

The Perfect America Mortgages Loan For Closing Through an LLC

AM Rental Coverage+ allows you to qualify based on the property’s rental income, not your personal income. With loan amounts as low as US$100k and LTVs up to 80% in all 50 U.S. states, this is ideal for seasoned and new real estate investors.

Ready to Form an LLC?

Whether you’re new to U.S. real estate or expanding your portfolio, our LLC formation concierge service, in partnership with Nobility Consulting, offers secure and efficient support tailored to your needs.

Our dedicated team is available 24/7 to assist clients across all time zones. If you’re ready to apply for a U.S. mortgage loan, simply click here. For immediate assistance, call us at +1 (845) 583-0830, or schedule a call with one of our loan officers at your convenience.

Stay tuned for next week’s article on insurance solutions, where we’ll cover protecting your U.S. real estate investments.

www.americamortgages.com

Money Transfers Made Easy. America Mortgages Concierge Series for U.S. Property Investors

US Mortgage | US Expat Mortgage

At America Mortgages, our mission is to make U.S. property investment simpler and more accessible for foreign nationals and U.S. expats. Our concierge services go beyond mortgages, delivering comprehensive solutions to address every financial aspect of U.S. real estate transactions. This four-part series will guide you through the strategic partnerships that make our free concierge service a unique resource for international investors. Over the next few weeks, we’ll cover:

  1. Money Transfer
  2. LLC Formation
  3. Insurance
  4. U.S. Tax

We kick off this series with a key aspect of property investment: currency exchange.

Part 1: America Mortgages and Halo Financial — Your Solution for Easy Currency Exchange

Currency exchange is often a complex part of international property purchases. Exchange rate fluctuations can influence the final property price or the cost of monthly mortgage payments. America Mortgages, through its concierge service, has partnered with Halo Financial to provide clients with seamless, cost-effective currency transfer solutions.

With Halo Financial, you get:

  • Personalized Support: Currency specialists guide you on the best time to transfer funds to secure favorable rates.
  • Preferential Rates: You’ll benefit from competitive exchange rates, maximizing value for every transfer.
  • No Transfer Fees: Halo Financial eliminates transfer fees to save you more.
  • Tailored Solutions: Halo Financial’s FX solutions are crafted to meet your unique needs, ensuring smooth, efficient transfers.

A Recent Case Study: 

Our client, a U.S. expat living in Singapore, recently purchased a vacation home in Miami. She needed to convert funds from Singapore dollars to U.S. dollars but was concerned about exchange rate timing. Through America Mortgages’ free concierge service, she connected with Halo Financial’s experts, who advised her on the best time to transfer funds, saving time and securing the best exchange rate. Our client’s experience highlights our dedication to providing practical, cost-effective solutions for our clients.

Whether you’re a first-time investor or expanding your portfolio, America Mortgages’ free concierge services make securing financing for U.S. real estate investments easier than ever.

Our team works around the clock, seven days a week, to support clients in every time zone. If you’re ready to apply for a U.S. mortgage loan, you can use this link. To speak with a loan officer immediately, call us at +1 (845) 583-0830 or schedule a call with one of our loan officers at your convenience.

We look forward to helping you reach your investment goals. Next week, we’ll dive into the importance of forming an LLC for U.S. property purchases. Stay tuned—your journey to simplified property investment starts here!

www.americamortgages.com