I am a 25-year-old Indian citizen who came to the US in 2017 and completed my bachelor's and doctorate 7 years later. Today, I am a licensed Physical Therapist here in Arizona on a temporary work visa (F1 CPT) with hopes of obtaining my H1B lottery selection in the next year or so. I have a heavy interest in wanting to start buying my first home in 2025, however, I am having some legislative inquiries that I want to get clarified before I even purchase a property. I also wanted to inform you that I also have a Roth IRA that started since 2020 and recently opened a High Yield Savings Account(HYSA) in 2024, thus I also have some questions regarding this matter as well:

Here are the following:

1. I really want to buy my first home in the next year however with my current visa---which only lasts around 2 years---I am unsure whether I will be winning the lottery to receive my H1B visa as of now. With that said, Is it unsafe for me to buy real estate with a temporary work visa such as a CPT or even an H1B(which only lasts around 6 years)? Worst case if I have to leave the United States and work abroad, can I still have my house as a rental property after a 1-2 years and earn passive income from abroad even as a non-US citizen?

2. In a few years, if I do decide to leave the United States and work in another country, how would my Roth IRA and High Yield Savings account be affected? Will I still be able to contribute to my Roth IRA if I am not a US citizen or have a Green card by then? Do I have to remove all the money from those accounts and start over?

3. How would the taxation policies shift if I were to keep my Roth IRA, HYSA and real estate property in the United States if I do move to another country? Again just to reiterate, this is specifically for those who are NON-US citizens.

I know my questions are very in-depth and seem complicated but no one in the Bigger pockets podcasts talks about how non US citizens or non-resident aliens deal with wanting to buy real estate and attempt to real their goals of achieving FIRE.

Any guidance or support that you can provide regarding these legislative rules will be of much help for my career and my future here in the United States.

Thanks,

Roopy

Chandler, Arizona

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