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You know nothing about US mortgages if you really think you can get a 0% mortgage in the US. You DO realise the standard US mortgage is a 30 year fixed rate, currently around 5% depending on your FICO score? If you don't know that, what's the value of the rest of your opinion?

Enlighten me. How do you tell the difference between a 'foreign buyer' (the type that needs FIRB approval to buy a place) and a 'non-white' buyer who is a citizen / has a resident's visa and doesn't need FIRB approval?