{"id":21308,"date":"2025-08-05T15:43:13","date_gmt":"2025-08-05T15:43:13","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=21308"},"modified":"2025-10-03T07:19:16","modified_gmt":"2025-10-03T07:19:16","slug":"is-renting-near-u-s-colleges-smarter-than-buying","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/is-renting-near-u-s-colleges-smarter-than-buying\/","title":{"rendered":"Is Renting Near U.S. Colleges Smarter Than Buying?"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">A Mortgage Comparison for Parents and Students<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When sending a child to a U.S. college, one of the first big questions parents face is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cShould we rent\u2026 or should we buy property near campus?\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With U.S. student housing costs soaring, and many families sending multiple children overseas for education, <a title=\"owning real estate near a university\" href=\"https:\/\/www.americamortgages.com\/dont-miss-out-on-investing-in-your-childrens-future-introducing-am-student-loan-program\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/dont-miss-out-on-investing-in-your-childrens-future-introducing-am-student-loan-program\">owning real estate near a university<\/a> has become a serious financial strategy, not just a lifestyle decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide breaks down the pros and cons of <strong>renting versus buying<\/strong>, the mortgage options available for foreign and domestic buyers, and how to make the right choice based on your financial goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why It\u2019s Worth Asking<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">According to the College Board, the average <a title=\"student housing\" href=\"https:\/\/www.americamortgages.com\/hot-investment-theme-student-housing-cities-to-invest-in\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/hot-investment-theme-student-housing-cities-to-invest-in\">student housing<\/a> cost at a U.S. university now exceeds <strong>$12,000 per year<\/strong>, and that doesn\u2019t include summer housing or off-campus options, which can be even higher in major cities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Over a 4-year degree, that\u2019s <strong>$50,000+ in rent<\/strong> with no return on investment. If you have more than one child studying in the U.S., the numbers multiply quickly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Renting: The Traditional Approach<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flexible<\/strong>: Lease terms can be adjusted yearly<br><\/li>\n\n\n\n<li><strong>Low upfront cost<\/strong>: Only deposit + monthly rent<br><\/li>\n\n\n\n<li><strong>Maintenance-free<\/strong>: Landlord handles repairs<br><\/li>\n\n\n\n<li><strong>No market risk<\/strong>: You&#8217;re not exposed to property value fluctuations<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;Cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zero equity<\/strong>: All payments are sunk costs<br><\/li>\n\n\n\n<li><strong>Unpredictable pricing<\/strong>: Rents can increase year over year<br><\/li>\n\n\n\n<li><strong>Quality control<\/strong>: You have less say in safety, cleanliness, and roommates<br><\/li>\n\n\n\n<li><strong>Scarcity<\/strong>: Good rentals near campus go fast, with high competition<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Buying: A Strategic Investment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Build equity<\/strong>: Your monthly payment grows your net worth<br><\/li>\n\n\n\n<li><strong>Stable housing<\/strong>: No surprises in rent hikes or evictions<br><\/li>\n\n\n\n<li><strong>Tax benefits<\/strong>: Mortgage interest may be deductible if owned by a U.S. taxpayer<br><\/li>\n\n\n\n<li><strong>Rental income<\/strong>: Rent extra rooms to other students<br><\/li>\n\n\n\n<li><strong>Potential appreciation<\/strong>: College towns tend to have strong, steady property value growth. Possible to sell the rental after graduation and with appreciation, recoup or pay off the tuition fees<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;Cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher upfront cost<\/strong>: Down payment, closing costs, and maintenance<br><\/li>\n\n\n\n<li><strong>Requires mortgage qualification<\/strong>: Especially complex for international buyers<br><\/li>\n\n\n\n<li><strong>Responsibility<\/strong>: You or a property manager must maintain the home<br><\/li>\n\n\n\n<li><strong>Short-term risk<\/strong>: If your child transfers, you may be left with a property to manage or sell quickly<\/li>\n<\/ul>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Cost Comparison Example<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s compare <strong>4 years of renting vs. buying<\/strong> near a major U.S. university:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Scenario<\/strong><\/td><td><strong>Renting<\/strong><\/td><td><strong>Buying<\/strong><\/td><\/tr><tr><td>Monthly Cost<\/td><td>$2,000<\/td><td>$2,500 mortgage (with 25% down)<\/td><\/tr><tr><td>Annual Cost<\/td><td>$24,000<\/td><td>$30,000 (mortgage, HOA, taxes)<\/td><\/tr><tr><td>Total Over 4 Years<\/td><td>$96,000 (no return)<\/td><td>$120,000 paid, with potential equity<\/td><\/tr><tr><td>Resale Value<\/td><td>$0<\/td><td>~$280,000 if property appreciates 3\u20135%\/yr<\/td><\/tr><tr><td>Potential Rent Income<\/td><td>N\/A<\/td><td>$12,000\/year from roommates<\/td><\/tr><tr><td>Net Financial Outcome<\/td><td>$96,000 expense<\/td><td>Equity + income may offset the total cost<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Note: Values depend heavily on location, property type, and local market conditions.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Where Buying Makes Sense<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certain college towns are especially favorable for owning instead of renting:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Boston, MA<\/strong> (Harvard, BU, MIT)<br><\/li>\n\n\n\n<li><strong>Los Angeles, CA<\/strong> (UCLA, USC)<br><\/li>\n\n\n\n<li><strong>Austin, TX<\/strong> (University of Texas)<br><\/li>\n\n\n\n<li><strong>Ann Arbor, MI<\/strong> (University of Michigan)<br><\/li>\n\n\n\n<li><strong>Chapel Hill, NC<\/strong> (UNC)<br><\/li>\n\n\n\n<li><strong>Madison, WI<\/strong> (University of Wisconsin)<br><\/li>\n\n\n\n<li><strong>Orlando, FL<\/strong> (University of Central Florida)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In these cities, high rent and housing demand make <strong>ownership attractive<\/strong>, especially for families with multiple children or long-term plans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage Options for International Parents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re not a U.S. citizen or resident, don\u2019t worry, there are <strong>specialized mortgage solutions<\/strong> for you:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>? Foreign National Mortgages<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Designed for international buyers with <strong>no U.S. credit<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Based on <strong>foreign income and bank statements<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Available for personal-use homes (for your student) or part-time rentals<br><\/li>\n\n\n\n<li>Down payment typically starts at <strong>25%<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>No SSN or U.S. tax return required<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>? DSCR Loans (for investors)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Based on the rental income of the property, <strong>not personal income <\/strong>(even if your student is the one renting)<strong><br><\/strong><\/li>\n\n\n\n<li>Ideal if you plan to rent the property after your child graduates<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Work with lenders like <strong>America Mortgages<\/strong>, who specialize exclusively in cross-border mortgage solutions for families like yours.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Additional Considerations<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Market Timing<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Buying in a down or stable market increases your odds of appreciation over your child\u2019s college career.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ownership Structure<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Some families use a <strong>trust, LLC, or joint ownership<\/strong> to manage liability and estate planning.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Siblings &amp; Long-Term Plans<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you have multiple children attending U.S. schools over time, buying makes even more sense.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Final Verdict: Rent or Buy?<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Situation<\/strong><\/td><td><strong>Better Option<\/strong><\/td><\/tr><tr><td>Short-term stay (1\u20132 years)<\/td><td>Renting<\/td><\/tr><tr><td>4+ year program with stable city housing<\/td><td>Buying<\/td><\/tr><tr><td>A child wants privacy and control over housing<\/td><td>Buying<\/td><\/tr><tr><td>Limited budget or down payment<\/td><td>Renting (short-term)<\/td><\/tr><tr><td>Multiple kids are going to the same school<\/td><td>Buying<\/td><\/tr><tr><td>Long-term passive income goal<\/td><td>Buying (DSCR strategy)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Final Thoughts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Renting may offer simplicity, but <strong>buying property near a U.S. college can be a smart, strategic move<\/strong>, especially when you factor in rent savings, tax benefits, resale potential, and the pride of ownership.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Thinking of buying instead of renting?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contact<\/strong>: <a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><br><strong>Website<\/strong>:<a href=\"https:\/\/www.americamortgages.com\/\"> www.americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Speak to a U.S. Loan Expert 24 hours a day \/ 7 days a week: <a href=\"tel:+18455830830\" data-type=\"tel\" data-id=\"tel:+18455830830\">+1 845-583-0830&nbsp;<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need help getting started? Use their <strong><a href=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\">24\/7 online booking tool<\/a><\/strong> to schedule a <strong>free, no-obligation consultation<\/strong> with a licensed U.S. mortgage advisor. <a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1: What\u2019s good about renting near U.S. colleges?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Renting means you&#8217;re flexible with lease terms, you pay low upfront costs, the landlord handles repairs, and you don\u2019t worry about housing market ups and downs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2: What\u2019s the downside of renting?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>You don\u2019t build equity, rents may rise unpredictably, you have less control over safety or roommates, and good places near campus are often in high demand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3: Why might buying near college campuses be a smart move?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Buying builds equity, offers stable housing, may offer tax benefits, lets you rent out extra rooms, and the property may appreciate so you could even recoup some tuition costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4: What returns could parents get from buying near campus?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>With 3\u20135% annual property appreciation, the home might be worth around $280,000 when resold, plus rent income from roommates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5: Can international parents buy property in the U.S.?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Yes! Specialized foreign-national mortgages exist no U.S. credit required. You can qualify based on foreign income and bank statements.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfEs m\u00e1s inteligente alquilar cerca de las universidades de EE. UU. que comprar?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Una comparaci\u00f3n de hipotecas para padres y estudiantes<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Palabras clave<\/strong>: Alquilar vs. Comprar cerca de universidades de EE. UU., Hipoteca para vivienda estudiantil, Inversi\u00f3n en propiedades cerca de universidades de EE. UU., America Mortgages, Comparaci\u00f3n de propiedades cerca del campus, Bienes ra\u00edces en ciudades universitarias, Estrategia inmobiliaria para padres internacionales<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando se env\u00edo a un hijo a una universidad de EE. UU., una de las primeras grandes preguntas que enfrentan los padres es:<br>\u201c\u00bfDeber\u00edamos alquilar\u2026 o comprar una propiedad cerca del campus?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con los costos de vivienda estudiantil en EE. UU. en aumento, y muchas familias enviando a varios hijos al extranjero para su educaci\u00f3n, poseer bienes ra\u00edces cerca de una universidad se ha convertido en una estrategia financiera seria, no solo una decisi\u00f3n de estilo de vida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esta gu\u00eda desglosa las ventajas y desventajas de alquilar frente a comprar, las opciones de hipoteca disponibles para compradores nacionales e internacionales, y c\u00f3mo tomar la decisi\u00f3n correcta seg\u00fan tus objetivos financieros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Por qu\u00e9 vale la pena preguntarse<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seg\u00fan el College Board, el costo promedio de la vivienda estudiantil en una universidad de EE. UU. ahora supera los $12,000 por a\u00f1o, y eso no incluye la vivienda de verano ni las opciones fuera del campus, que pueden ser a\u00fan m\u00e1s caras en las grandes ciudades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En un programa de 4 a\u00f1os, eso suma m\u00e1s de $50,000 en alquiler sin retorno de inversi\u00f3n. Si tienes m\u00e1s de un hijo estudiando en EE. UU., los n\u00fameros se multiplican r\u00e1pidamente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Alquilar: El enfoque tradicional<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ventajas<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flexible<\/strong>: Los t\u00e9rminos del arrendamiento se pueden ajustar anualmente.<\/li>\n\n\n\n<li><strong>Bajo costo inicial<\/strong>: Solo dep\u00f3sito + alquiler mensual.<\/li>\n\n\n\n<li><strong>Sin mantenimiento<\/strong>: El propietario se encarga de las reparaciones.<\/li>\n\n\n\n<li><strong>Sin riesgo de mercado<\/strong>: No est\u00e1s expuesto a fluctuaciones en el valor de la propiedad.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Desventajas<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cero patrimonio<\/strong>: Todos los pagos son costos hundidos.<\/li>\n\n\n\n<li><strong>Precios impredecibles<\/strong>: Los alquileres pueden aumentar a\u00f1o tras a\u00f1o.<\/li>\n\n\n\n<li><strong>Control de calidad<\/strong>: Tienes menos control sobre la seguridad, la limpieza y los compa\u00f1eros de cuarto.<\/li>\n\n\n\n<li><strong>Escasez<\/strong>: Los buenos alquileres cerca del campus se ocupan r\u00e1pido, con alta competencia.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comprar: Una inversi\u00f3n estrat\u00e9gica<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ventajas<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Construir patrimonio<\/strong>: Tu pago mensual aumenta tu patrimonio neto.<\/li>\n\n\n\n<li><strong>Vivienda estable<\/strong>: Sin sorpresas por aumentos de alquiler o desalojo.<\/li>\n\n\n\n<li><strong>Beneficios fiscales<\/strong>: Los intereses de la hipoteca pueden ser deducibles si el propietario es contribuyente en EE. UU.<\/li>\n\n\n\n<li><strong>Ingresos por alquiler<\/strong>: Alquila habitaciones adicionales a otros estudiantes.<\/li>\n\n\n\n<li><strong>Potencial de apreciaci\u00f3n<\/strong>: Las ciudades universitarias tienden a tener un crecimiento constante en el valor de las propiedades. Es posible vender la propiedad tras la graduaci\u00f3n y, con la apreciaci\u00f3n, recuperar o pagar las tasas de matr\u00edcula.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Desventajas<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mayor costo inicial<\/strong>: Pago inicial, costos de cierre y mantenimiento.<\/li>\n\n\n\n<li><strong>Requiere calificaci\u00f3n para hipoteca<\/strong>: Especialmente complejo para compradores internacionales.<\/li>\n\n\n\n<li><strong>Responsabilidad<\/strong>: T\u00fa o un administrador de propiedades deben mantener la casa.<\/li>\n\n\n\n<li><strong>Riesgo a corto plazo<\/strong>: Si tu hijo se transfiere, podr\u00edas quedarte con una propiedad que gestionar o vender r\u00e1pidamente.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ejemplo de comparaci\u00f3n de costos<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comparemos 4 a\u00f1os de alquiler vs. compra cerca de una universidad importante de EE. UU.:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Escenario<\/strong><\/td><td><strong>Alquilar<\/strong><\/td><td><strong>Comprar<\/strong><\/td><\/tr><tr><td><strong>Costo mensual<\/strong><\/td><td>$2,000<\/td><td>$2,500 hipoteca (con 25% de pago inicial)<\/td><\/tr><tr><td><strong>Costo anual<\/strong><\/td><td>$24,000<\/td><td>$30,000 (hipoteca, HOA, impuestos)<\/td><\/tr><tr><td><strong>Total en 4 a\u00f1os<\/strong><\/td><td>$96,000 (sin retorno)<\/td><td>$120,000 pagados, con posible patrimonio<\/td><\/tr><tr><td><strong>Valor de reventa<\/strong><\/td><td>$0<\/td><td>~$280,000 si la propiedad se aprecia 3\u20135%\/a\u00f1o<\/td><\/tr><tr><td><strong>Ingresos potenciales por alquiler<\/strong><\/td><td>N\/A<\/td><td>$12,000\/a\u00f1o de compa\u00f1eros de cuarto<\/td><\/tr><tr><td><strong>Resultado financiero neto<\/strong><\/td><td>$96,000 de gasto<\/td><td>Patrimonio + ingresos pueden compensar el costo total<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nota<\/strong>: Los valores dependen en gran medida de la ubicaci\u00f3n, el tipo de propiedad y las condiciones del mercado local.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D\u00f3nde tiene sentido comprar<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Algunas ciudades universitarias son especialmente favorables para comprar en lugar de alquilar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Boston, MA<\/strong> (Harvard, BU, MIT)<\/li>\n\n\n\n<li><strong>Los \u00c1ngeles, CA<\/strong> (UCLA, USC)<\/li>\n\n\n\n<li><strong>Austin, TX<\/strong> (Universidad de Texas)<\/li>\n\n\n\n<li><strong>Ann Arbor, MI<\/strong> (Universidad de Michigan)<\/li>\n\n\n\n<li><strong>Chapel Hill, NC<\/strong> (UNC)<\/li>\n\n\n\n<li><strong>Madison, WI<\/strong> (Universidad de Wisconsin)<\/li>\n\n\n\n<li><strong>Orlando, FL<\/strong> (Universidad de Florida Central)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En estas ciudades, los altos alquileres y la demanda de vivienda hacen que la propiedad sea atractiva, especialmente para familias con varios hijos o planes a largo plazo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Opciones de hipoteca para padres internacionales<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si no eres ciudadano o residente de EE. UU., no te preocupes, hay soluciones hipotecarias especializadas para ti:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">? <strong>Hipotecas para ciudadanos extranjeros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dise\u00f1adas para compradores internacionales sin cr\u00e9dito en EE. UU.<\/li>\n\n\n\n<li>Basadas en ingresos extranjeros y estados de cuenta bancarios.<\/li>\n\n\n\n<li>Disponibles para casas de uso personal (para tu estudiante) o alquileres a tiempo parcial.<\/li>\n\n\n\n<li>El pago inicial suele comenzar en un 25%.<\/li>\n\n\n\n<li>No se requiere SSN ni declaraci\u00f3n de impuestos de EE. UU.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">? <strong>Pr\u00e9stamos DSCR (para inversores)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Basados en los ingresos por alquiler de la propiedad, no en los ingresos personales (incluso si tu estudiante es quien alquila).<\/li>\n\n\n\n<li>Ideal si planeas alquilar la propiedad despu\u00e9s de que tu hijo se grad\u00fae.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Trabaja con prestamistas como <strong>America Mortgages<\/strong>, que se especializan exclusivamente en soluciones hipotecarias transfronterizas para familias como la tuya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Consideraciones adicionales<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tiempo de mercado<\/strong><strong><br><\/strong>Comprar en un mercado estable o en baja aumenta tus posibilidades de apreciaci\u00f3n durante la carrera universitaria de tu hijo.<\/li>\n\n\n\n<li><strong>Estructura de propiedad<\/strong><strong><br><\/strong>Algunas familias usan un fideicomiso, LLC o propiedad conjunta para gestionar responsabilidades y planificaci\u00f3n patrimonial.<\/li>\n\n\n\n<li><strong>Hermanos y planes a largo plazo<br><\/strong>Si tienes varios hijos asistiendo a escuelas de EE. UU. con el tiempo, comprar tiene a\u00fan m\u00e1s sentido.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Veredicto final: \u00bfAlquilar o comprar?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Situaci\u00f3n<\/strong><\/td><td><strong>Mejor opci\u00f3n<\/strong><\/td><\/tr><tr><td>Estancia a corto plazo (1\u20132 a\u00f1os)<\/td><td>Alquilar<\/td><\/tr><tr><td>Programa de 4+ a\u00f1os con vivienda estable en la ciudad<\/td><td>Comprar<\/td><\/tr><tr><td>Un hijo quiere privacidad y control sobre la vivienda<\/td><td>Comprar<\/td><\/tr><tr><td>Presupuesto o pago inicial limitado<\/td><td>Alquilar (corto plazo)<\/td><\/tr><tr><td>Varios hijos asistiendo a la misma escuela<\/td><td>Comprar<\/td><\/tr><tr><td>Objetivo de ingresos pasivos a largo plazo<\/td><td>Comprar (estrategia DSCR)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pensamientos finales<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alquilar puede ofrecer simplicidad, pero comprar una propiedad cerca de una universidad de EE. UU. puede ser una decisi\u00f3n estrat\u00e9gica e inteligente, especialmente cuando consideras los ahorros en alquiler, beneficios fiscales, potencial de reventa y el orgullo de ser propietario.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfEst\u00e1s pensando en comprar en lugar de alquilar?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contacto<\/strong>: <a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><br><strong>Sitio web<\/strong>: <a href=\"http:\/\/www.americamortgages.com\" data-type=\"link\" data-id=\"www.americamortgages.com\">www.americamortgages.com<\/a><br>Habla con un experto en pr\u00e9stamos de EE. UU. 24 horas al d\u00eda \/ 7 d\u00edas a la semana: <a href=\"tel:+18455830830\" data-type=\"tel\" data-id=\"tel:+18455830830\">+1 845-583-0830<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u00bfNecesitas ayuda para comenzar? Usa su herramienta de reserva en l\u00ednea 24\/7 para programar una consulta gratuita y sin compromiso con un asesor hipotecario autorizado de EE. UU.<br><a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/ <\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5728\u7f8e\u56fd\u5927\u5b66\u9644\u8fd1\u79df\u623f\u6bd4\u4e70\u623f\u66f4\u660e\u667a\u5417\uff1f<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u5bb6\u957f\u4e0e\u5b66\u751f\u7684\u623f\u8d37\u6bd4\u8f83<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5173\u952e\u8bcd<\/strong>\uff1a\u7f8e\u56fd\u5927\u5b66\u9644\u8fd1\u79df\u623f\u4e0e\u4e70\u623f\u3001\u5b66\u751f\u4f4f\u623f\u8d37\u6b3e\u3001\u7f8e\u56fd\u5927\u5b66\u9644\u8fd1\u623f\u4ea7\u6295\u8d44\u3001America Mortgages\u3001\u6821\u56ed\u9644\u8fd1\u623f\u4ea7\u6bd4\u8f83\u3001\u5927\u5b66\u57ce\u623f\u5730\u4ea7\u3001\u56fd\u9645\u5bb6\u957f\u623f\u5730\u4ea7\u7b56\u7565<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u5bb6\u957f\u9001\u5b69\u5b50\u5230\u7f8e\u56fd\u5927\u5b66\u5c31\u8bfb\u65f6\uff0c\u9762\u4e34\u7684\u7b2c\u4e00\u4e2a\u91cd\u5927\u95ee\u9898\u4e4b\u4e00\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c\u6211\u4eec\u5e94\u8be5\u79df\u623f\u2026\u2026\u8fd8\u662f\u5728\u6821\u56ed\u9644\u8fd1\u4e70\u623f\uff1f\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u968f\u7740\u7f8e\u56fd\u5b66\u751f\u4f4f\u623f\u6210\u672c\u7684\u4e0d\u65ad\u4e0a\u5347\uff0c\u4ee5\u53ca\u8bb8\u591a\u5bb6\u5ead\u5c06\u591a\u4e2a\u5b69\u5b50\u9001\u5f80\u6d77\u5916\u63a5\u53d7\u6559\u80b2\uff0c\u5728\u5927\u5b66\u9644\u8fd1\u62e5\u6709\u623f\u4ea7\u5df2\u6210\u4e3a\u4e00\u79cd\u4e25\u8083\u7684\u8d22\u52a1\u7b56\u7565\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u751f\u6d3b\u65b9\u5f0f\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6307\u5357\u5c06\u5206\u6790\u79df\u623f\u4e0e\u4e70\u623f\u7684\u4f18\u7f3a\u70b9\u3001\u56fd\u5185\u5916\u4e70\u5bb6\u53ef\u7528\u7684\u623f\u8d37\u9009\u62e9\uff0c\u4ee5\u53ca\u5982\u4f55\u6839\u636e\u60a8\u7684\u8d22\u52a1\u76ee\u6807\u505a\u51fa\u6b63\u786e\u51b3\u5b9a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4e3a\u4ec0\u4e48\u8fd9\u4e2a\u95ee\u9898\u503c\u5f97\u601d\u8003<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u636e\u7f8e\u56fd\u5927\u5b66\u7406\u4e8b\u4f1a\uff08College Board\uff09\u7684\u6570\u636e\uff0c\u7f8e\u56fd\u5927\u5b66\u5b66\u751f\u4f4f\u623f\u7684\u5e73\u5747\u5e74\u6210\u672c\u73b0\u5df2\u8d85\u8fc712,000\u7f8e\u5143\uff0c\u8fd9\u8fd8\u4e0d\u5305\u62ec\u6691\u671f\u4f4f\u623f\u6216\u6821\u5916\u4f4f\u5bbf\u7684\u8d39\u7528\uff0c\u800c\u5728\u4e00\u4e9b\u5927\u57ce\u5e02\uff0c\u6821\u5916\u4f4f\u5bbf\u7684\u8d39\u7528\u53ef\u80fd\u66f4\u9ad8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u4e00\u4e2a4\u5e74\u7684\u5927\u5b66\u8bfe\u7a0b\u4e2d\uff0c\u79df\u91d1\u603b\u8ba1\u5c06\u8d85\u8fc750,000\u7f8e\u5143\uff0c\u4e14\u6ca1\u6709\u4efb\u4f55\u6295\u8d44\u56de\u62a5\u3002\u5982\u679c\u60a8\u6709\u591a\u4e2a\u5b69\u5b50\u5728\u7f8e\u56fd\u8bfb\u4e66\uff0c\u8d39\u7528\u4f1a\u8fc5\u901f\u7ffb\u500d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u79df\u623f\uff1a\u4f20\u7edf\u65b9\u5f0f<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f18\u70b9<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7075\u6d3b\u6027<\/strong>\uff1a\u79df\u7ea6\u6761\u6b3e\u53ef\u6bcf\u5e74\u8c03\u6574\u3002<\/li>\n\n\n\n<li><strong>\u521d\u59cb\u6210\u672c\u4f4e<\/strong>\uff1a\u53ea\u9700\u652f\u4ed8\u62bc\u91d1\u548c\u6708\u79df\u3002<\/li>\n\n\n\n<li><strong>\u65e0\u9700\u7ef4\u62a4<\/strong>\uff1a\u623f\u4e1c\u8d1f\u8d23\u7ef4\u4fee\u3002<\/li>\n\n\n\n<li><strong>\u65e0\u5e02\u573a\u98ce\u9669<\/strong>\uff1a\u4e0d\u53d7\u623f\u4ea7\u4ef7\u503c\u6ce2\u52a8\u5f71\u54cd\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7f3a\u70b9<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u96f6\u8d44\u4ea7\u79ef\u7d2f<\/strong>\uff1a\u6240\u6709\u79df\u91d1\u90fd\u662f\u6c89\u6ca1\u6210\u672c\u3002<\/li>\n\n\n\n<li><strong>\u79df\u91d1\u4e0d\u53ef\u9884\u6d4b<\/strong>\uff1a\u79df\u91d1\u53ef\u80fd\u9010\u5e74\u4e0a\u6da8\u3002<\/li>\n\n\n\n<li><strong>\u8d28\u91cf\u63a7\u5236\u6709\u9650<\/strong>\uff1a\u5bf9\u5b89\u5168\u6027\u3001\u6e05\u6d01\u5ea6\u548c\u5ba4\u53cb\u7684\u9009\u62e9\u63a7\u5236\u8f83\u5c11\u3002<\/li>\n\n\n\n<li><strong>\u623f\u6e90\u7a00\u7f3a<\/strong>\uff1a\u9760\u8fd1\u6821\u56ed\u7684\u4f18\u8d28\u51fa\u79df\u623f\u6e90\u7ade\u4e89\u6fc0\u70c8\uff0c\u5f88\u5feb\u88ab\u62a2\u79df\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4e70\u623f\uff1a\u6218\u7565\u6295\u8d44<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f18\u70b9<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u79ef\u7d2f\u8d44\u4ea7<\/strong>\uff1a\u6bcf\u6708\u8fd8\u6b3e\u589e\u52a0\u60a8\u7684\u51c0\u8d44\u4ea7\u3002<\/li>\n\n\n\n<li><strong>\u4f4f\u623f\u7a33\u5b9a<\/strong>\uff1a\u65e0\u9700\u62c5\u5fc3\u79df\u91d1\u4e0a\u6da8\u6216\u88ab\u9a71\u9010\u3002<\/li>\n\n\n\n<li><strong>\u7a0e\u52a1\u4f18\u60e0<\/strong>\uff1a\u5982\u679c\u623f\u4e3b\u662f\u7f8e\u56fd\u7eb3\u7a0e\u4eba\uff0c\u623f\u8d37\u5229\u606f\u53ef\u80fd\u53ef\u62b5\u7a0e\u3002<\/li>\n\n\n\n<li><strong>\u79df\u91d1\u6536\u5165<\/strong>\uff1a\u53ef\u5c06\u591a\u4f59\u623f\u95f4\u79df\u7ed9\u5176\u4ed6\u5b66\u751f\u3002<\/li>\n\n\n\n<li><strong>\u589e\u503c\u6f5c\u529b<\/strong>\uff1a\u5927\u5b66\u57ce\u901a\u5e38\u623f\u4ea7\u4ef7\u503c\u7a33\u6b65\u589e\u957f\uff0c\u6bd5\u4e1a\u540e\u53ef\u51fa\u552e\u623f\u4ea7\uff0c\u589e\u503c\u90e8\u5206\u53ef\u80fd\u62b5\u6d88\u6216\u652f\u4ed8\u5b66\u8d39\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7f3a\u70b9<\/strong>\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u521d\u59cb\u6210\u672c\u9ad8<\/strong>\uff1a\u9996\u4ed8\u6b3e\u3001\u4ea4\u6613\u8d39\u7528\u548c\u7ef4\u62a4\u6210\u672c\u3002<\/li>\n\n\n\n<li><strong>\u623f\u8d37\u8d44\u683c\u8981\u6c42<\/strong>\uff1a\u5bf9\u56fd\u9645\u4e70\u5bb6\u5c24\u5176\u590d\u6742\u3002<\/li>\n\n\n\n<li><strong>\u7ba1\u7406\u8d23\u4efb<\/strong>\uff1a\u60a8\u6216\u7269\u4e1a\u7ba1\u7406\u516c\u53f8\u9700\u8d1f\u8d23\u623f\u5c4b\u7ef4\u62a4\u3002<\/li>\n\n\n\n<li><strong>\u77ed\u671f\u98ce\u9669<\/strong>\uff1a\u5982\u679c\u5b69\u5b50\u8f6c\u5b66\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u7ba1\u7406\u6216\u5feb\u901f\u51fa\u552e\u623f\u4ea7\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6210\u672c\u6bd4\u8f83\u793a\u4f8b<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u662f\u7f8e\u56fd\u4e00\u6240\u4e3b\u8981\u5927\u5b66\u9644\u8fd1\u79df\u623f\u4e0e\u4e70\u623f4\u5e74\u7684\u6210\u672c\u6bd4\u8f83\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u573a\u666f<\/strong><\/td><td><strong>\u79df\u623f<\/strong><\/td><td><strong>\u4e70\u623f<\/strong><\/td><\/tr><tr><td><strong>\u6708\u6210\u672c<\/strong><\/td><td>$2,000<\/td><td>$2,500\uff0825%\u9996\u4ed8\u6b3e\u7684\u623f\u8d37\uff09<\/td><\/tr><tr><td><strong>\u5e74\u6210\u672c<\/strong><\/td><td>$24,000<\/td><td>$30,000\uff08\u623f\u8d37\u3001\u4e1a\u4e3b\u534f\u4f1a\u8d39\u3001\u7a0e\u8d39\uff09<\/td><\/tr><tr><td><strong>4\u5e74\u603b\u6210\u672c<\/strong><\/td><td>$96,000\uff08\u65e0\u56de\u62a5\uff09<\/td><td>$120,000\uff08\u53ef\u79ef\u7d2f\u8d44\u4ea7\uff09<\/td><\/tr><tr><td><strong>\u8f6c\u552e\u4ef7\u503c<\/strong><\/td><td>$0<\/td><td>\u7ea6$280,000\uff08\u5047\u8bbe\u5e74\u589e\u503c3-5%\uff09<\/td><\/tr><tr><td><strong>\u6f5c\u5728\u79df\u91d1\u6536\u5165<\/strong><\/td><td>\u65e0<\/td><td>$12,000\/\u5e74\uff08\u6765\u81ea\u5ba4\u53cb\uff09<\/td><\/tr><tr><td><strong>\u51c0\u8d22\u52a1\u7ed3\u679c<\/strong><\/td><td>$96,000\u652f\u51fa<\/td><td>\u8d44\u4ea7+\u79df\u91d1\u6536\u5165\u53ef\u62b5\u6d88\u603b\u6210\u672c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6ce8<\/strong>\uff1a\u5177\u4f53\u6570\u503c\u56e0\u5730\u70b9\u3001\u623f\u4ea7\u7c7b\u578b\u548c\u5f53\u5730\u5e02\u573a\u6761\u4ef6\u800c\u5f02\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u9002\u5408\u4e70\u623f\u7684\u5730\u70b9<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u5927\u5b66\u57ce\u5c24\u5176\u9002\u5408\u4e70\u623f\u800c\u975e\u79df\u623f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6ce2\u58eb\u987f\uff0cMA<\/strong>\uff08\u54c8\u4f5b\u5927\u5b66\u3001\u6ce2\u58eb\u987f\u5927\u5b66\u3001MIT\uff09<\/li>\n\n\n\n<li><strong>\u6d1b\u6749\u77f6\uff0cCA<\/strong>\uff08UCLA\u3001\u5357\u52a0\u5dde\u5927\u5b66\uff09<\/li>\n\n\n\n<li><strong>\u5965\u65af\u6c40\uff0cTX<\/strong>\uff08\u5fb7\u514b\u8428\u65af\u5927\u5b66\uff09<\/li>\n\n\n\n<li><strong>\u5b89\u5a1c\u5821\uff0cMI<\/strong>\uff08\u5bc6\u6b47\u6839\u5927\u5b66\uff09<\/li>\n\n\n\n<li><strong>\u6559\u5802\u5c71\uff0cNC<\/strong>\uff08\u5317\u5361\u7f57\u6765\u7eb3\u5927\u5b66\uff09<\/li>\n\n\n\n<li><strong>\u9ea6\u8fea\u900a\uff0cWI<\/strong>\uff08\u5a01\u65af\u5eb7\u661f\u5927\u5b66\uff09<\/li>\n\n\n\n<li><strong>\u5965\u5170\u591a\uff0cFL<\/strong>\uff08\u4e2d\u4f5b\u7f57\u91cc\u8fbe\u5927\u5b66\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u8fd9\u4e9b\u57ce\u5e02\uff0c\u9ad8\u6602\u7684\u79df\u91d1\u548c\u4f4f\u623f\u9700\u6c42\u4f7f\u5f97\u4e70\u623f\u66f4\u5177\u5438\u5f15\u529b\uff0c\u5c24\u5176\u662f\u5bf9\u6709\u591a\u4e2a\u5b69\u5b50\u6216\u957f\u671f\u8ba1\u5212\u7684\u5bb6\u5ead\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u56fd\u9645\u5bb6\u957f\u7684\u623f\u8d37\u9009\u62e9<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u4e0d\u662f\u7f8e\u56fd\u516c\u6c11\u6216\u5c45\u6c11\uff0c\u4e0d\u7528\u62c5\u5fc3\uff0c\u6709\u4e13\u95e8\u4e3a\u56fd\u9645\u4e70\u5bb6\u8bbe\u8ba1\u7684\u623f\u8d37\u89e3\u51b3\u65b9\u6848\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>? \u5916\u56fd\u516c\u6c11\u623f\u8d37<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e3a\u6ca1\u6709\u7f8e\u56fd\u4fe1\u7528\u8bb0\u5f55\u7684\u56fd\u9645\u4e70\u5bb6\u8bbe\u8ba1\u3002<\/li>\n\n\n\n<li>\u57fa\u4e8e\u56fd\u5916\u6536\u5165\u548c\u94f6\u884c\u5bf9\u8d26\u5355\u3002<\/li>\n\n\n\n<li>\u9002\u7528\u4e8e\u81ea\u4f4f\uff08\u5b66\u751f\u4f7f\u7528\uff09\u6216\u90e8\u5206\u65f6\u95f4\u51fa\u79df\u7684\u623f\u5c4b\u3002<\/li>\n\n\n\n<li>\u9996\u4ed8\u6b3e\u901a\u5e38\u4ece25%\u5f00\u59cb\u3002<\/li>\n\n\n\n<li>\u65e0\u9700\u7f8e\u56fd\u793e\u4f1a\u5b89\u5168\u53f7\u7801\u6216\u7f8e\u56fd\u7a0e\u52a1\u7533\u62a5\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>? DSCR\u8d37\u6b3e\uff08\u9488\u5bf9\u6295\u8d44\u8005\uff09<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u57fa\u4e8e\u623f\u4ea7\u7684\u79df\u91d1\u6536\u5165\uff0c\u800c\u975e\u4e2a\u4eba\u6536\u5165\uff08\u5373\u4f7f\u60a8\u7684\u5b66\u751f\u662f\u79df\u6237\uff09\u3002<\/li>\n\n\n\n<li>\u9002\u5408\u8ba1\u5212\u5728\u5b69\u5b50\u6bd5\u4e1a\u540e\u51fa\u79df\u623f\u4ea7\u7684\u5bb6\u5ead\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5efa\u8bae\u4e0e\u4e13\u6ce8\u4e8e\u8de8\u5883\u623f\u8d37\u89e3\u51b3\u65b9\u6848\u7684\u673a\u6784\u5408\u4f5c\uff0c\u4f8b\u5982 <strong>America Mortgages<\/strong>\uff0c\u4ed6\u4eec\u4e3a\u50cf\u60a8\u8fd9\u6837\u7684\u5bb6\u5ead\u63d0\u4f9b\u4e13\u4e1a\u670d\u52a1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5176\u4ed6\u8003\u8651\u56e0\u7d20<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5e02\u573a\u65f6\u673a<\/strong><strong><br><\/strong>\u5728\u5e02\u573a\u7a33\u5b9a\u6216\u4f4e\u8c37\u65f6\u8d2d\u4e70\uff0c\u53ef\u589e\u52a0\u5b69\u5b50\u5927\u5b66\u671f\u95f4\u623f\u4ea7\u589e\u503c\u7684\u53ef\u80fd\u6027\u3002<\/li>\n\n\n\n<li><strong>\u6240\u6709\u6743\u7ed3\u6784<\/strong><strong><br><\/strong>\u4e00\u4e9b\u5bb6\u5ead\u4f7f\u7528\u4fe1\u6258\u3001\u6709\u9650\u8d23\u4efb\u516c\u53f8\uff08LLC\uff09\u6216\u5171\u540c\u6240\u6709\u6743\u6765\u7ba1\u7406\u8d23\u4efb\u548c\u9057\u4ea7\u89c4\u5212\u3002<\/li>\n\n\n\n<li><strong>\u5144\u5f1f\u59d0\u59b9\u548c\u957f\u671f\u8ba1\u5212<\/strong><strong><br><\/strong>\u5982\u679c\u60a8\u6709\u591a\u4e2a\u5b69\u5b50\u5c06\u9646\u7eed\u5728\u7f8e\u56fd\u8bfb\u4e66\uff0c\u4e70\u623f\u66f4\u6709\u610f\u4e49\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6700\u7ec8\u7ed3\u8bba\uff1a\u79df\u623f\u8fd8\u662f\u4e70\u623f\uff1f<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u60c5\u51b5<\/strong><\/td><td><strong>\u6700\u4f73\u9009\u62e9<\/strong><\/td><\/tr><tr><td>\u77ed\u671f\u5c45\u4f4f\uff081-2\u5e74\uff09<\/td><td>\u79df\u623f<\/td><\/tr><tr><td>4\u5e74\u4ee5\u4e0a\u8bfe\u7a0b\uff0c\u57ce\u5e02\u4f4f\u623f\u7a33\u5b9a<\/td><td>\u4e70\u623f<\/td><\/tr><tr><td>\u5b69\u5b50\u60f3\u8981\u9690\u79c1\u548c\u4f4f\u623f\u63a7\u5236<\/td><td>\u4e70\u623f<\/td><\/tr><tr><td>\u9884\u7b97\u6216\u9996\u4ed8\u6b3e\u6709\u9650<\/td><td>\u79df\u623f\uff08\u77ed\u671f\uff09<\/td><\/tr><tr><td>\u591a\u4e2a\u5b69\u5b50\u5c31\u8bfb\u540c\u4e00\u5b66\u6821<\/td><td>\u4e70\u623f<\/td><\/tr><tr><td>\u8ffd\u6c42\u957f\u671f\u88ab\u52a8\u6536\u5165\u76ee\u6807<\/td><td>\u4e70\u623f\uff08DSCR\u7b56\u7565\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u603b\u7ed3<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u79df\u623f\u53ef\u80fd\u66f4\u7b80\u5355\uff0c\u4f46\u5728\u7f8e\u56fd\u5927\u5b66\u9644\u8fd1\u8d2d\u4e70\u623f\u4ea7\u53ef\u80fd\u662f\u4e00\u9879\u660e\u667a\u7684\u6218\u7565\u51b3\u7b56\uff0c\u5c24\u5176\u662f\u8003\u8651\u5230\u79df\u91d1\u8282\u7701\u3001\u7a0e\u52a1\u4f18\u60e0\u3001\u8f6c\u552e\u6f5c\u529b\u4ee5\u53ca\u62e5\u6709\u623f\u4ea7\u7684\u81ea\u8c6a\u611f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u60a8\u662f\u5426\u5728\u8003\u8651\u4e70\u623f\u800c\u975e\u79df\u623f\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8054\u7cfb\u65b9\u5f0f<\/strong>\uff1a<a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7f51\u7ad9<\/strong>\uff1a<a href=\"http:\/\/www.americamortgages.com\/\">www.americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5168\u5929\u5019\u54a8\u8be2\u7f8e\u56fd\u8d37\u6b3e\u4e13\u5bb6<\/strong>\uff1a<a href=\"tel:+18455830830\" data-type=\"tel\" data-id=\"tel:+18455830830\">+1 845-583-0830<\/a><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9700\u8981\u5e2e\u52a9\u5f00\u59cb\uff1f<\/strong> \u4f7f\u7528\u4ed6\u4eec\u768424\/7\u5728\u7ebf\u9884\u7ea6\u5de5\u5177\uff0c\u5b89\u6392\u4e0e\u7f8e\u56fd\u6388\u6743\u623f\u8d37\u987e\u95ee\u7684\u514d\u8d39\u3001\u65e0\u4e49\u52a1\u54a8\u8be2\uff1a<br><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-america-mortgages wp-block-embed-america-mortgages\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"YokT4dTT2p\"><a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">Home &#8211; Foreign National &#8211; Landing<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Home &#8211; Foreign National &#8211; Landing&#8221; &#8212; America Mortgages\" src=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/embed\/#?secret=wDDMfhtj1G#?secret=YokT4dTT2p\" data-secret=\"YokT4dTT2p\" width=\"580\" height=\"327\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>A Mortgage Comparison for Parents and Students When sending a child to a U.S. college, one of the first big questions parents face is: \u201cShould we rent\u2026 or should we buy property near campus?\u201d With U.S. student housing costs soaring, and many families sending multiple children overseas for education, owning real estate near a university [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":21309,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/template-single-post.php","format":"standard","meta":{"_acf_changed":false,"qubely_global_settings":"","qubely_interactions":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[23,15,24,31,13],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-21308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-purchase","category-refinance","category-residential","category-think-pieces","category-u-s-expats"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56.jpg",1200,628,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56.jpg",1200,628,false],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56.jpg",1200,628,false],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56.jpg",1200,628,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56.jpg",1200,628,false],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56.jpg",1200,628,false],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-56.jpg",1200,628,false]},"qubely_author":{"display_name":"America Mortgages","author_link":"https:\/\/www.americamortgages.com\/author\/america-mortgages\/"},"qubely_comment":0,"qubely_category":"<a href=\"https:\/\/www.americamortgages.com\/purchase\/\" rel=\"category tag\">Purchase<\/a> <a href=\"https:\/\/www.americamortgages.com\/refinance\/\" rel=\"category tag\">Refinance<\/a> <a href=\"https:\/\/www.americamortgages.com\/residential\/\" rel=\"category tag\">Residential<\/a> <a href=\"https:\/\/www.americamortgages.com\/think-pieces\/\" rel=\"category tag\">Think Pieces<\/a> <a href=\"https:\/\/www.americamortgages.com\/u-s-expats\/\" rel=\"category tag\">U.S. Expats<\/a>","qubely_excerpt":"A Mortgage Comparison for Parents and Students When sending a child to a U.S. college, one of the first big questions parents face is: \u201cShould we rent\u2026 or should we buy property near campus?\u201d With U.S. student housing costs soaring, and many families sending multiple children overseas for education, owning real estate near a university&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21308","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=21308"}],"version-history":[{"count":12,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21308\/revisions"}],"predecessor-version":[{"id":21962,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21308\/revisions\/21962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/21309"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=21308"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=21308"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=21308"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=21308"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=21308"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=21308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}