📈 Invest · Philippines
Invest in Philippine Property Without Guessing
Four ways in — pre-selling, foreclosed, creative finance, and low-money-down financing — each with its own math, paperwork and risk. Run the numbers here, then let Trish AI narrow the live listings.
Pre-selling developments
Buy early from the developer, pay the down payment slowly, and let turnover pricing do the work.
You reserve a unit before the building is finished, usually on a 10–20% down payment spread over 24–60 months, with the balance on turnover through a bank, Pag-IBIG or the developer’s in-house financing.
- Upside: launch-to-turnover appreciation; low monthly cash outlay; new stock where rents are strongest.
- Watch: turnover delays, developer track record, the DHSUD licence to sell, and whether the turnover price is still financeable at your income. The Maceda Law (RA 6552) protects installment buyers only after two years of payments.
→ Developer projects · Pre-selling listings · Ayala Land catalog
Foreclosed and bank-acquired
Institutional sellers price to move. You buy the discount and the paperwork.
The upside
Below-market entry, motivated sellers (banks, Pag-IBIG, government lenders), and sometimes in-house financing from the same bank.
Inspect before you bid
Title annotations, unpaid taxes and dues, occupants, redemption periods and auction rules. “As is, where is” means exactly that.
Where to look
Foreclosed listings on this site, plus bank and Pag-IBIG acquired-asset lists — ask Trish for the current ones.
Creative finance
Pasalo, rent-to-own, subject-to and seller-carried notes: the structure creates the value.
You step into a payment stream someone else started, or control a property before you own it. Low entry cost, no new bank approval in some structures, and sellers who need out will deal.
- Watch: developer or lender consent, which contract you actually sign, and who holds title. This is where unlicensed middlemen do the most damage.
→ Creative Finance: terms, definitions & strategies · 7 ways a pasalo deal goes wrong · Pasalo condos · Rent-to-own
Mortgage + seller finance: close to no money down
A Philippine bank or Pag-IBIG covers most of the price; the seller carries part of the down payment on a short note.
- Upside: the highest cash-on-cash return when rent covers both payments; your capital stays free for the next deal.
- Watch: lender rules on seller-carried seconds, true debt service, vacancy, and whether you qualify at all — citizenship, income source and property type decide it.
→ One-minute loan eligibility check · Can a foreigner get a mortgage here? · Mortgages for people living outside the Philippines
Run the numbers
Two calculators, both live on this page. Figures are estimates — Trish confirms the actual bank terms, taxes and fees for your deal.
📊 Rental ROI calculator
Gross yield = annual rent ÷ price. Net yield = (annual rent − vacancy − costs) ÷ price. Cash-on-cash = annual cash flow after the loan payment ÷ cash in. On a sale the seller normally pays the 6% capital gains tax; buyers pay documentary stamp, transfer and registration fees — the closing-cost field covers those.
🏦 Mortgage calculator
Monthly payment for any price, down payment, rate and term. For a payment-by-payment table use the amortization schedule; flipping a property? Use the fix-and-flip calculator (70% rule, max offer, profit).
Who can invest
Filipino & dual citizens
Anything — condos, houses, land, commercial. Overseas Filipinos qualify for bank home-loan programmes for any property type.
Former Filipinos
Condominiums, and land within the legal limits (1,000 m² urban / 1 ha rural for residence).
Foreign nationals
Condominium units (up to 40% of a project), long-term land leases, or a Philippine corporation. No direct land title. Who can own what →
Buyer helps
Everything on this site that makes an investment purchase safer.
🧮 Mortgage calculatorMonthly payment with taxes and fees.
📑 Amortization schedulePayment-by-payment table and chart.
🏚️ Fix-and-flip calculatorMax offer and profit on the 70% rule.
🏡 AppraisalsIndependent valuation before you offer.
🧾 Government documentsTitles, taxes, clearances and transfers handled with you.
🗂️ Transaction coordinationEscrow and settlement, step by step.
🌏 Who can ownRules for foreigners, dual and former citizens.
📈 Tax strategyUS/PH planning around a purchase.
🛂 Retire well (PRA)Retirement visa and property planning.
🧠 Investor mindsetThink beyond Zillow.
🗺️ Your financial planThe full picture across both countries.
Meet with us at your convenient schedule
Trish Wilson is licensed in the U.S. and the Philippines. Bring your budget, cash available and target yield; leave with a shortlist and a plan.
