'/%3e%3cpath%20d='M110.5%2074.84L61.56%20113.3V150.04H0V87.4L110.5%200V74.84Z'%20fill='url(%23paint1_linear_1102_1766)'/%3e%3cpath%20d='M159.44%20150.04L159.44%20205.81H159.2L110.5%20166.53L61.8001%20205.81H61.5601L61.56%20150.04L110.5%20110.57L159.44%20150.04Z'%20fill='url(%23paint2_linear_1102_1766)'/%3e%3cpath%20d='M110.5%20110.57V166.53L61.8001%20205.81H61.5601L61.56%20150.04L110.5%20110.57Z'%20fill='url(%23paint3_linear_1102_1766)'/%3e%3cpath%20d='M159.44%20206H61.5601L61.8001%20205.81L110.5%20166.53L159.2%20205.81L159.44%20206Z'%20fill='url(%23paint4_linear_1102_1766)'/%3e%3cdefs%3e%3clinearGradient%20id='paint0_linear_1102_1766'%20x1='166'%20y1='-19.908'%20x2='145.641'%20y2='227.731'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%23B5AAFF'/%3e%3cstop%20offset='0.723958'%20stop-color='%238977FF'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint1_linear_1102_1766'%20x1='64'%20y1='15.7891'%20x2='172.309'%20y2='257.652'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%239383FF'/%3e%3cstop%20offset='0.75'%20stop-color='%234D3FED'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint2_linear_1102_1766'%20x1='171.462'%20y1='36.6188'%20x2='8.598'%20y2='270.272'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20offset='0.229167'%20stop-color='%23B5AAFF'/%3e%3cstop%20offset='0.994792'%20stop-color='%238977FF'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint3_linear_1102_1766'%20x1='55.7219'%20y1='-31.3876'%20x2='76.8187'%20y2='349.172'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20offset='0.307292'%20stop-color='%239383FF'/%3e%3cstop%20offset='0.854167'%20stop-color='%234D3FED'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint4_linear_1102_1766'%20x1='110'%20y1='271'%20x2='76.5255'%20y2='202.314'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%23B5AAFF'/%3e%3cstop%20offset='0.90625'%20stop-color='%238977FF'/%3e%3c/linearGradient%3e%3c/defs%3e%3c/svg%3e)
'/%3e%3cpath%20d='M110.5%2074.84L61.56%20113.3V150.04H0V87.4L110.5%200V74.84Z'%20fill='url(%23paint1_linear_1102_1752)'/%3e%3cpath%20d='M159.44%20150.04L159.44%20205.81H159.2L110.5%20166.53L61.8001%20205.81H61.5601L61.56%20150.04L110.5%20110.57L159.44%20150.04Z'%20fill='url(%23paint2_linear_1102_1752)'/%3e%3cpath%20d='M110.5%20110.57V166.53L61.8001%20205.81H61.5601L61.56%20150.04L110.5%20110.57Z'%20fill='url(%23paint3_linear_1102_1752)'/%3e%3cpath%20d='M159.44%20206H61.5601L61.8001%20205.81L110.5%20166.53L159.2%20205.81L159.44%20206Z'%20fill='url(%23paint4_linear_1102_1752)'/%3e%3cdefs%3e%3clinearGradient%20id='paint0_linear_1102_1752'%20x1='166'%20y1='-19.908'%20x2='145.641'%20y2='227.731'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%23B5AAFF'/%3e%3cstop%20offset='0.723958'%20stop-color='%238977FF'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint1_linear_1102_1752'%20x1='64'%20y1='15.7891'%20x2='172.309'%20y2='257.652'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%239383FF'/%3e%3cstop%20offset='0.75'%20stop-color='%234D3FED'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint2_linear_1102_1752'%20x1='171.462'%20y1='36.6188'%20x2='8.598'%20y2='270.272'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20offset='0.229167'%20stop-color='%23B5AAFF'/%3e%3cstop%20offset='0.994792'%20stop-color='%238977FF'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint3_linear_1102_1752'%20x1='55.7219'%20y1='-31.3876'%20x2='76.8187'%20y2='349.172'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20offset='0.307292'%20stop-color='%239383FF'/%3e%3cstop%20offset='0.854167'%20stop-color='%234D3FED'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint4_linear_1102_1752'%20x1='110'%20y1='271'%20x2='76.5255'%20y2='202.314'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%23B5AAFF'/%3e%3cstop%20offset='0.90625'%20stop-color='%238977FF'/%3e%3c/linearGradient%3e%3c/defs%3e%3c/svg%3e)
No-debt U.S. rentals
Invest in U.S. Property Without a Mortgage
How to buy a share of a U.S. rental that has no mortgage and no outstanding loans, including if you live outside the United States.
Jerry Chu
Co-founder & CEO, Lofty
You do not have to borrow to own a slice of a house
A conventional rental usually starts with a bank loan. You can skip that. Buy a share of a property that already has no mortgage and no outstanding loans: 100% equity on that listing. You are buying membership interests in the LLC that holds the house, not taking out a new loan.
Lofty’s No Mortgage filter
Open /marketplace/noDebt for listings with no current loan: no mortgage and no outstanding loans. Buy shares for less than $50.
- Houses are in the United States.
- You do not need to be a U.S. citizen. Complete identity verification.
- Pay by card at checkout or deposit from a bank.
- Net rent is paid daily. List shares on the 24/7 exchange with no lock-up.
Property investment without a bank or mortgage
UK and Gulf buyers often search “property investment” and “no bank or mortgage.” Same idea: no outstanding loans on the asset, rent from tenants, not a fixed interest payment. Lofty’s inventory is U.S. houses. Yielders sells UK property. Stake, SmartCrowd, and PRYPCO sell Dubai.
How to buy U.S. property shares without a mortgage
Open the No Mortgage marketplace
Go to /marketplace/noDebt. That view shows listings with no mortgage and no outstanding loans.
Read the property page
Confirm use, financials, and the debt line.
Buy a small first amount
You can buy shares for less than $50. International buyers can use card checkout after identity verification.
Collect rent or sell on the exchange
Net rent is paid daily. List shares anytime on the 24/7 exchange at a price you set.
Ways to own U.S. rentals without borrowing
Buy a house with a mortgage
- Best for
- Control of a whole property if you can qualify and post a large down payment.
- Tradeoff
- Interest, lender rules, and landlord work. Hard to sell quickly.
All-cash purchase of a whole house
- Best for
- No loan on that asset, full control.
- Tradeoff
- Huge check. Illiquid. Still a landlord unless you hire management.
Pooled real estate fund
- Best for
- Diversification without picking an address.
- Tradeoff
- Often lockups, higher minimums, and no house-level exit.
Lofty No Mortgage listings
- Best for
- U.S. house-level shares with no mortgage and no outstanding loans, buy shares for less than $50, daily rent, live exchange.
- Tradeoff
- Only listings in the No Mortgage view qualify. Owners can later vote to refinance.
What can go wrong
- The filter shows the current loan balance. Owners can later vote to refinance. Read the property page before you buy.
- Rental income can stop. Vacancy, insurance, taxes, and repairs still hit a debt-free property.
- Share prices on the exchange can move independently of the last appraisal.
- You are buying U.S. property. Currency and local tax rules still apply if you live abroad.
Real estate calculators
Frequently asked questions
- Can I invest in U.S. property without a mortgage?
- Yes. Buy a whole house in cash, or buy a share of a listing that already has no mortgage and no outstanding loans. Lofty’s No Mortgage filter is the second path. Buy shares for less than $50.
- Can I do this from outside the United States?
- Yes. Complete identity verification. You are buying U.S. houses. Card checkout works for many international buyers.
- Do I need to be a U.S. citizen?
- No. You need to be 18 or older and complete identity verification.
- How is this different from a REIT?
- A REIT is a pooled company. Lofty listings are shares of one property’s LLC. REITs often include leveraged properties inside the pool.
- Can I sell without waiting years?
- You can list shares on Lofty’s 24/7 exchange any day. There is no lock-up and no early-withdrawal penalty from Lofty.
About Jerry Chu
Jerry leads Lofty, a fractional real estate investing platform used by tens of thousands of investors. He writes about how everyday investors can access rental property income without the friction of becoming a landlord.
Related guides
Fractional ownership
Fractional real estate
Learn how fractional real estate investing and fractional ownership in real estate let investors buy shares of rental properties instead of purchasing an entire home.
Rental income
Rental income
Understand how rental income investing works, what affects cash flow, and how to compare direct rentals, REITs, and fractional properties.
Low minimum investing
Invest with $100
See realistic ways to start investing in real estate with $100, including REITs, fractional rentals, and recurring small-dollar investing.