EB-5 Investor Visa Mortgages
U.S. Investment Property Loans for EB-5 Visa Holders
You’ve already committed capital to the EB-5 anchor investment. Now you want to build the surrounding U.S. real estate portfolio — without retail banks treating international wealth as an obstacle.
EB-5 mortgage program advantages
- International wealth profile underwrites cleanly — no need to fit a U.S. W-2 box
- Multiple LLCs, K-1s, and layered entity structures don't slow DSCR underwriting
- Conditional permanent resident status is fully eligible
- Up to 75% LTV on investment property purchases
- Funds wired from international accounts accepted (source-of-funds documented)
- Large loan amounts ($1.5M+) and jumbo-DSCR scenarios available
Typical EB-5 borrower profiles
Recent EB-5 investors (conditional green card)
Already invested $800K (rural TEA) or $1.05M (urban TEA) into the EB-5 project — additional rental property purchases use the DSCR program in parallel.
Conditional → permanent resident transition
Whether you're on conditional 2-year EB-5 status or have transitioned to permanent residency, DSCR underwriting works identically.
Family-office investors diversifying into rentals
Single-family rentals and 2–4 unit properties as portfolio diversifiers next to the EB-5 anchor investment. Multiple properties under shared LLC ownership are common.
Investors using Bay Area / NYC market entry
EB-5 capital often anchors in major metros — DSCR loans finance the surrounding rental property purchases that build the broader U.S. footprint.
EB-5 visa mortgage — FAQs
Can EB-5 visa holders finance additional U.S. investment property?
Yes. EB-5 conditional permanent residents and full permanent residents are eligible to own U.S. real estate. The EB-5 investment is separate from the personal real estate portfolio — Total Quality Lending finances those secondary investment properties via DSCR underwriting.
My EB-5 capital is locked up in the project — can I still get a DSCR loan?
Yes. The EB-5 investment commitment doesn't affect DSCR underwriting at all. DSCR loans qualify on the property's rental income — we only need to source-verify the down payment funds, which can come from your liquid assets outside the EB-5 project.
I'm on conditional residency — do I need to wait for the 10-year green card?
No. Both conditional permanent residents (2-year EB-5) and full permanent residents are eligible immediately. There's no waiting period for U.S. real estate ownership tied to EB-5 status.
Can my entire portfolio be in an LLC structure?
Yes. Most EB-5 borrowers use holding LLC structures for tax and liability reasons. We finance multi-member LLCs, single-member LLCs, layered entities, and series LLCs. Vesting flexibility is one of DSCR's biggest advantages over conventional.
What loan amounts are typical for EB-5 borrowers?
Wide range. EB-5 investors run from $400K single-family rentals up to $3.5M multi-unit properties. We size the deal to the borrower — same DSCR underwriting, same close speed at both ends of the range.