The EB-5 model that finally makes sense
Buy $2M+ in homes. We fund up to 100% of your EB-5 investment. No collateral.
100%
financing, up to
0.5%
starting annual interest rate
$0
admin fee
Rent‑ready
homes from day one
Three steps. Your money stays in homes you own.
1. Buy homes
$2M+ total. Cash or mortgage.
2. Get the loan
Up to 100%, subject to approval. No collateral.
3. Invest in the NCE
We pay the NCE directly for you.
The whole idea, start to finish.
Same investment. Different result.
Standard EB-5
Your cash goes in and waits
EB5 Homes
Your money works in homes you own
What you hold on day one
Example: $800K EB-5, $2M in homes.
Standard EB-5
EB5 Homes
Our unsecured loan funds the $800K. Illustration only.
A faster, clearer path than EB-2 or EB-3.
EB-2 / EB-3
EB-5 in a TEA project
Your EB-5 path, if you are in the U.S.
File together
I-526E, I-485, I-765, I-131
Work & travel permits
Often within a few months**
Petition approved
I-526E
Conditional green card
Valid for 2 years
Conditions removed
After construction is complete (I-829)
*Per the October 2026 Visa Bulletin; can change monthly. **Times vary. Not legal advice, not attorney-verified, no green card guaranteed. Ask your own attorney.
Follow Raj’s money, step by step. Every dollar is traced.
$500K
Down payment (25%)
$1.5M
Mortgage (75%)
$2M
Homes from EB5 Homes
$800K
EB-5 investment, funded
1
Built with our own fully traceable funds. Our profit stays in the homes as earned equity.
Our own funds
Fully traceable
EB5 Homes builds
EB5 Homes Operations LLC
$2M of finished homes
With earned equity inside
2
With a down payment from fully traceable, lawful funds, plus a mortgage.
$500K down payment (25%)
Legally earned, fully traced
$1.5M mortgage (75%)
Investment-home lenders often need 25% down
Raj owns $2M of homes
Live in one, or rent them all
3
Because Raj bought from EB5 Homes, our affiliate lends him his full EB-5 investment.
Equity from his purchase
+ traceable profits from our other businesses
Our Freedom Lending LLC
Unsecured loan, like a credit card
EB5 Homes NCE LP
The NCE, paid on Raj’s behalf
4
With the investment made, he files his petition.
Raj files his I-526E
With his own attorney
Petition approved
By USCIS
Conditional green cards
For Raj and his family
5
And creates U.S. jobs, direct and indirect.
EB5 Homes NCE LP
The NCE
EB5 Homes JCE LLC
The JCE builds new homes
U.S. jobs
Direct and indirect
6
Once construction is complete and the investment term is met.
New homes sold or refinanced
By the JCE
EB5 Homes NCE LP
The NCE
Our Freedom Lending LLC
Loan repaid
Written confirmation
Raj’s loan is settled
7
Raj keeps the homes he bought. The developer keeps the new homes it built.
Raj keeps his homes
And his green card
The developer keeps the new homes
And keeps building
Not a Ponzi scheme
Loans come from equity and our own traceable profits, never another investor’s money. Real homes at every step.
How we make money
We sell homes faster and spend less: no agent commissions, and negotiated rates with lenders, title and inspection.
Unsecured loans can count
USCIS treats lawful loan proceeds as cash (Policy Manual, Vol. 6, Part G, Ch. 2; Zhang v. USCIS, 2020). Confirm with your attorney.
The risk is real
If the project fails, you repay the loan. Rent should cover your interest and costs; if not, show you can carry the gap.
Example for illustration only. All loans subject to approval. No green card is guaranteed.
Three sides, one simple model.
The developer
Buyers & investors
The country
Built in America, by Americans
Every EB-5 dollar becomes American paychecks and homes.
10+
full-time U.S. jobs per investor
The EB-5 rule every investment must meet.
8
building trades on every home
From foundation to front yard.
Local
crews and suppliers first
Money stays in the community.
American trades on every home
Framers & carpenters
Electricians
Plumbers
Roofers
HVAC technicians
Painters
Landscapers
Concrete & masonry
How one home creates work
On site
Construction crews and trades
Supply chain
Lumber, concrete, appliances, fixtures
Community
Property managers, maintenance, local shops
Where EB-5 rules and a strong rental market meet.
Inside a Targeted Employment Area
Unemployment at least 150% of the national average. Qualifies for the lower EB-5 amount.
In residential pockets with real demand
Neighborhoods where families want to live and rent.
Built for rental income and growth
Strong rent demand. Growing home values.
TEA definition: USCIS, About the EB-5 Visa Classification. Rental demand and home values can change.
Accredited investors only. All loans subject to approval. No green card guaranteed.
$2M+ in homes
Cash or mortgage
Good credit score
750 or higher
No criminal history
Background check
Accredited investor
See the SEC tests below
Financial stability
Can cover any losses on the homes
No collateral needed
Unsecured loan, paid to the NCE for you
Every dollar must be lawful and traced.
Lawfully obtained funds
Fully traced, every dollar
Full cash purchase
Down payment
Rest by mortgage (investment-home lenders often need 25%+ down)
Your EB5 Homes homes
The SEC's minimum requirements for individuals.
$200K+ income
Last 2 years and this year. $300K+ with a spouse.
$1M+ net worth
Alone or with a spouse or partner, not counting your primary home.
Licensed
Series 7, 65 or 82 license in good standing.
Source: SEC, Investor.gov
Four phases, from your first request to your loan being repaid.
Steps 1–3
Informal request
Through Check eligibility
Formal meeting
We get to know you
Formal application
Show your financial stability
Steps 4–7
Visit the homes
Bought in sequence, as homes are ready
Home buyer agreement
Signed once you like them
6All three must clear
Mortgage approval
If buying with a mortgage
Source-of-funds proof
To us and our attorney: down payment or full cash
Your own attorney
Hired by you, separate from our attorney
Closing
With EB5 Homes Operations LLC
Not clear before closing? You can opt out, but earnest money may be lost.
Steps 8–11
Profit moves
Home-sale or other business profits, into Our Freedom Lending LLC
Sign your documents
Loan, NCE LP, subscription and regional center forms
Funded to the NCE
On your behalf
NCE confirms receipt
You file your I-526E
NCE
EB5 Homes NCE LP
JCE
Funds the build
Construction
Plus our own investment. New homes are owned by the developer
Sponsored by our regional center
Sponsored by a regional center. Neither it nor we guarantee any outcome.
Steps 12–15
Construction complete
New homes finished, jobs created
Records to your attorney
Receipts and transactions
Conditions removed
Only after construction is complete
Funds returned
JCE → NCE → Our Freedom Lending LLC. You get written confirmation.
Once conditions are removed or the term ends, Our Freedom Lending LLC confirms in writing that your loan is repaid.
Every closing cost is yours. No credits, no exceptions.
A few quick questions. No commitment.
Private offering
Private offering. Accredited investors only.
Questions? Admin@EB5Homes.com
Request received
Thank you, . If you're eligible, we'll get back to you within 48 hours.
We'll reach you at .
Don't have $2M in cash?
Buy with a down payment and a mortgage. Because these are investment homes, lenders often need 25% or more down. Your EB-5 loan is unsecured, so your homes are not pledged to us.
Does borrowed money count for EB-5?
Yes, if lawfully obtained and at risk. Confirm with your attorney.
Could my loan be another investor's money?
No. Each loan is traced to our own profits.
Can I sell my homes after my EB-5 investment is funded?
Yes, but we don't advise it. Resale costs can be high and may affect your petition. Ask your attorney first. We are not responsible for any effect on your petition.
Do I get the new homes my investment builds?
No. New homes belong to the developer. You keep the finished homes you bought. Conditions are removed only after that construction is complete.
Do I have to live in one of the homes?
No. It's optional. You can rent them all.
Is approval guaranteed?
No. USCIS decides petitions. Our EB-5 and RIA information is not attorney-verified. Confirm with your own attorney.