My name's Cuong (pronounced like Kong) and I am very new to Real Estate as I've only spent the past couple months looking into it.

@Min Hong Typically a good Loan Officer can find a product that works with only one spouse.

See this thread Pg 3 where I stop a Hong Kong lady from buying a TK house for $45,000 that the TK provider had bought for $500 and hadn’t even evicted the deadbeat tenants yet.

Quote from @Jimmy Hong: You gotta meet the reserve minimum, even if you win the bid.  

My wife and I are American but live & work in Hong Kong and expect to be here for at least a few more years.

I guess you must have similar issues in Hong Kong.

@Daniel Kong Okay so my new loan is for 120000$ but I've paid off 60000$ so essentially I have 60000 left to use on other investments and then pay that off as time goes?

Cameron, In the UK and markets with connections to the UK (Australia, Hong Kong, Singapore) RICS is a designation that illustrates a broad based understanding of real estate. 

@Omar KhanOmar yeah I heard about private banking in places like Hong kong or Singapore might be the right place for me to go and something I will look more seriously into now that you are mentioning the same thing. 

@Daniel Kong in this situation most lenders will want coverage to as least cover the note but the some insurance companies will have restrictions on how low you can go based on the replacement cost.