Immobilium Enabled Finance
Financing solutions for international buyers purchasing properties in the USA.
Why USA?
Strong Economy
A diverse economy with stable foundation for real estate investment.
High Demand
Continuous demand driving property values and rental income.
Financial Infrastructure
Well-developed financing options with low interest rates.
The Financing Problem for International Buyers
Banks internationally operate as different legal entities with different rules
No track record with local US banks, making buyers ineligible for financing
Legal and tax issues can be challenging to solve before purchase
Language, culture, and goals create understanding challenges
The Solution: Hard Money Loans
Hard money loans are a type of real estate financing secured by collateral, typically the property being purchased. They are often used by investors who need quick access to funds or who cannot qualify for traditional bank loans.
Advantages
Speed of Funding
Hard money loans can be approved and funded quickly, sometimes within days.
Less Stringent Criteria
Lenders focus on property value rather than credit score or financial history.
Flexibility
Loans can be customized with interest-only or balloon payments.
No Prepayment Penalties
Pay off the loan early without incurring additional fees.
Disadvantages
Higher Interest Rates
Rates are typically higher than traditional bank loans, often in double digits.
Short Loan Terms
Usually between 6 and 24 months, requiring refinancing or quick sale.
Higher Fees
Origination, underwriting, and appraisal fees can add up quickly.
Collateral Required
Property is used as collateral, risking foreclosure if you default.
What Can Be Financed?
Residential
Single-family homes, townhouses, condos
Commercial
Office buildings, retail spaces, warehouses
Investment
Rental properties, income-generating assets
Fix-and-Flip
Properties for renovation and quick resale
Example Loan Programs
Private Money Loans
- • 1, 2, 5, and 15-year programs
- • Rates start at 8.99%
- • Up to 75% loan-to-value (LTV)
- • Investor to owner-user
- • Asset-based or DSCR programs
Institutional Loans
- • 12-month bridge to 20-year amortization
- • Rates from 7.50% and up
- • Up to 75% loan-to-value (LTV)
- • Vacant to fully stabilized programs
- • Investor to owner-user
Ready to Explore Financing Options?
Contact us to learn more about financing your USA property purchase.