Non-Resident Citizen Exploring Investment Options – Need Your Advice!

[Yuval Manor]

Hi BiggerPockets Community!

I'm a U.S. citizen who has lived my entire life abroad, but I still submit my tax returns annually. I'm diving into U.S. real estate and debating between two strategies: buying new single-family homes directly from contractors to build a portfolio, or going the BRRRR route.

For both options, I’m looking at markets in the Sun Belt region. I’d love to hear your thoughts on the following questions:

1. 1. Is it possible for a non-resident citizen like me to get a 30-year fixed-rate loan? What are the current rates, and what’s the minimum down payment?
2. 2. Can I secure the same loan for both scenarios—buying a new house from a contractor or refinancing in the BRRRR method?
3. 3. If I purchase a property with cash, can I still obtain a mortgage later?
4. 4. How easy is it to find banks/lenders that offer cash-out refinancing with short or no seasoning periods?

Looking forward to your insights! Thanks in advance for your help!

Best,

Yuval