Real Estate & Investment Financing
Grow Your Capital Through U.S. Real Estate — Financing, Transactions and Due Diligence in One Place
Duc is a licensed U.S. mortgage professional and the founder of Wonder Rates, a U.S. mortgage brokerage. We help Vietnamese investors get the financing to increase their buying power, find and close on the right residential or commercial property, and know exactly what they're buying before they commit.
Overview
Real estate investing in the U.S. is a financing decision as much as a property decision.
Most investors we talk to start by looking at listings. The harder — and more valuable — questions come first: how much you can actually borrow, what loan programs are even available to a foreign national or an investor without U.S. income history, and whether the property itself holds up once you look past the photos. We work through all three with you, in sequence — an order that comes from a career spent on the financing side, in banking and mortgage lending, long before it was ever about a specific property.
Financing
Start with what you can actually borrow
Transactions
Search, offer and close, coordinated end to end
Due Diligence
Know exactly what you're buying before you commit
Financing to Increase Your Investment Capacity
As a licensed mortgage broker and CEO of Wonder Rates, Duc works directly on the lending side — helping you understand what you qualify for and structuring financing that lets you deploy more capital.
Investment property loans
Foreign national and non-U.S. resident programs included.
DSCR loans
Qualify on the property's rent, not your personal income.
Cash-out refinance
Pull equity from a property you own to fund the next one.
Pre-approval
Know your buying power before you start touring properties.
ITIN loans
No SSN or traditional U.S. documentation required.
Rate & lender comparison
We shop your loan across multiple lenders for you.
Buying & Selling U.S. Real Estate
We coordinate with licensed real estate agents and brokers to help you move through a purchase or sale — residential or commercial.
- Residential property — single-family homes, condos, and multi-family (2–4 unit) investment properties
- Commercial property — retail, office, mixed-use, and multi-unit apartment buildings
- Property search and shortlisting based on your investment goals
- Offer strategy and negotiation, coordinated with your agent
- Purchase contract and closing coordination, alongside title and escrow
- Listing and sale coordination if you're selling a U.S. property
Due Diligence Before You Commit
A good deal on paper can still be a bad investment. We help you verify what you're actually buying before you're locked into it.
- Coordinating property inspections and reviewing the findings with you
- Appraisal coordination and value verification
- Title search and ownership history review, coordinated with a title company
- Rental market and comparable sales analysis
- Cash flow, cap rate and ROI projections for investment properties
- Zoning, permit and land-use verification, coordinated with local specialists
- Flagging items that call for a real estate attorney or specialized inspector
Sound familiar?
“You're a Vietnamese investor with capital to deploy and want to understand what U.S. mortgage financing you actually qualify for as a foreign national.”
“You want to buy a multi-family or commercial property in the U.S. as a rental investment, but don't have a real estate agent or lender you trust.”
“You found a property that looks like a good deal and want an experienced second opinion — on the numbers, the loan options, and what an inspection might turn up — before you make an offer.”
Where this service ends
- Duc's guidance is licensed mortgage advice — it comes directly from his U.S. mortgage broker license.
- Real estate transactions and due diligence are coordinated with licensed agents and third-party professionals.
- This isn't a loan commitment, a guarantee of approval or returns, or legal/tax/investment advice.
Read the full disclosure
Duc is a licensed U.S. mortgage professional and the CEO of Wonder Rates, a licensed U.S. mortgage brokerage — mortgage and lending guidance comes directly from that license. Real estate purchase and sale transactions are coordinated with licensed real estate agents and brokers in our network, and due diligence steps such as inspections, appraisals, title work and legal review are performed by qualified third-party professionals we coordinate with. Nothing here is a loan commitment, a guarantee of financing approval or investment returns, or legal, tax or investment advice.
Discuss Your U.S. Real Estate Investment
Tell us about your product, your market, and where you're currently stuck. We'll respond with the appropriate next step.