Long term (25yr) fixed rate low interest rate loans?

You can find CF+ properties in regional areas, fringe areas of larger cities and some mining towns in Australia.  

You won't get a fixed rate term that long though – it would be risky anyway, imagine if you had to break it at some point, it would cost a fair bit.

Cheers

Jamie 

I don't know where you get that from but it's rubbish. Land value alone in most rural areas is worth more. NZ housing stock is over valued in the main. It's always been a bit of a wild ride the NZ market.

Fixed rate long term?  Doesn't exist.  Not even on commercial loans.  You can possibly get a 30 year amortized loan but for foreigners, I don't see a bank giving more then 5-7 years on a term.  This does not include Hard Money loans.  Only a fool would invest with hard money long term.

In the U.S, foreigners from Canada only are given commercial loans.  However, you have to deposit 2 years worth of the properties' debt service into an interest bearing account with the lender.  It's still your money but it just has to sit there tied up for awhile. 

Kiwis, Oz, etc are able to get commercial loans also in the states.  However you must have some proven experience in the submarket you buy in.  Do you own a rental property, vacation home?  Previous development experience?  Without it, there's no chance.

Sundirtwater:  To be blunt, the loans you are looking for in foreign territory will be very very hard to come by. 

The simple answer is no.  The bank will not provide any financing leverage to you if you have to use equity for down payment reasons on a different deal.  Now, if you paid cash for a house here and owned it free and clear..THEN went to a bank asking for a mortgage of about 70% Loan To Value, then it's a big maybe.  They would still want you to deposit 2 years worth of debt into their institution.  Furthermore, these are for commercial loans… That is for multi family over 4 units.  They have no interest in lending for office or retail space, only multi family and typically nothing smaller then $500,000. 

SDW:  Sure, I'd be happy to explain.  If anything at all, banks are only willing to give foreign national investors "commercial loans".  These loans are not condusive for single family homes.  The banks just don't have the appetite for it.  Also keep in mind that these loans are not available through your national banks ie.. Bank of America, Wells Fargo, etc… These are only available through local community banks that are willing to lend on their portfolio.   This means they hold and service the loan and don't sell it.  It is their own financial investment.

The LVR is going to be a maximum of 75% for non-US Citizens.  I'm talking MAXIMUM, certainly no higher then this.  No exceptions to that rule unfortunately.  Again, they just don't have the appetite for it.

Single family homes are not available through this program.  Again, the bank is looking for a minimum of a couple hundred grand in loan amount, otherwise, it's just not worth it to them to tie up their capital.

They will lend less then 500k depending on the deal.  Definately not below $250k though. 

Hope this helps.  I work a lot with banks and investors.  I've explored nearly every option for financing for foreigners.  I'm with Cushman & Wakefield in Florida who is a highly regarded firm.  We sometimes get banks to give our customers favorable terms.  This is it though unfortunately.

It DOES exist.  Everything you say exists!!  But only for U.S citizens!  Not a foreigner

Sundirt,

LVR is lower and interest rates are higher for foreigners due to the higher risk the lender would be exposed to. The foreigner would have no-recourse on that mortgage and no way for the bank to go after assets or funds if that foreigner defaulted on payments. 

You need to be dealing with 500K plus in assets to have any negotiating power with some of the larger banks and already have an established credit history / relationship with that global bank to be introduced to their "US branch"

SDW:  Do yourself a favor and just accept what I am telling you.  US CITIZEN…NOT US RESIDENT….NOT FOREIGNERS….NO NO NO….NO EXCEPTIONS.  Joel mentioned recourse.  It's called PERSONAL RECOURSE.  Your other property paid in full is not leverage with them.  This is my last response to this as you will just need to let it go.  NOT HAPPENING.  Write Obama and the US Treasury a letter.  Maybe they'll change for you. 

Ok, now I'm convinced you are either just pulling my leg or have been drinking….heavily..

But I'm baited to answer because it's kind of funny at this point.  SDW = SunDirtWater ….. 1 + 2 = 3. 

This doesn't make sense to you clearly because you aren't educated in finance or banking whatsoever.  To most on this forum who have knowledge, they will respond the way I am over and over and over again.  When I say that "banks don't have the appetite", that means that they just don't want to do it.  COULD they collateralize your property as equity or contribution?  Sure they COULD if they WANTED to, but they don't want to.  PERIOD.

You are a foreigner.  You stand absolutely zero chance with your arguments in the US, or any outside country you seek financing.  In fact, I have perfect credit, a portfolio of PERFORMING properties, and cash in the bank….AND I'm a U.S Citizen.. I cannot get 80% financing on commercial loans. 

SDW:  Are you pulling my leg??  Are you teasing me??  LOL…. You can't be this naive.  If you are, I have a bridge that I can sell you in Brooklyn.