For many people, the dream to move to the United States starts with a student visa or a work permit. For others, it begins with a family or investment-based application. But once you begin building a life in the U.S., you’ll likely face the choice between getting a Green Card or pursuing full citizenship.

On the surface, a Green Card and U.S. citizenship may seem very similar. Both allow you to live, work, and build a life in the United States. However, when you look closely, you will find clear differences that can affect your rights, responsibilities, and long-term plans.

In this article, we will explain the key differences between a Green Card and citizenship to help you know which option is better for your goals, family, and future.

What Is a Green Card?

A Green Card, also called a Permanent Resident Card, allows a person to live and work in the United States on a permanent basis. The U.S. government issues Green Cards to people who qualify through family, work, asylum, or investment programs like the EB-5 visa.

You do not need to become a citizen to live long-term in the U.S. as a Green Card holder. As long as you follow the rules and renew your card every ten years, you can stay in the country, hold a job, and enjoy many of the same rights as citizens.

What You Can Do With a Green Card

If you own a permanent resident card, you can:

• Live in any U.S. state, work in most jobs, and go to school.
• Qualify for federal student financial aid, and also receive discounted in-state tuition rates at public colleges and universities.
• Access social services like Medicare, health insurance, and life insurance.
• Access the U.S. justice system.
• Travel in and out of the U.S.
• Buy a home, start a company, and open bank accounts.

What You Cannot Do With a Green Card

You cannot do the following with a Green Card:

• Vote in federal, state, or local elections.
• Hold some government jobs, especially those tied to national security.
• Break U.S. laws or stay outside the country for too long, because you could lose your Green Card.

What Is U.S. Citizenship?

U.S. citizenship is the highest immigration status you can get, as it makes you a full member of the country. If you are born in the U.S. or born to U.S. citizen parents, you become a citizen by birth. If you move to the U.S. and live there as a Green Card holder, you can apply for citizenship through a process called naturalization.

To apply, you must:

• Be at least 18 years old.
• Hold a Green Card for at least 3 or 5 years, depending on your case.
• Live in the U.S. for most of that time.
• Show good moral character.
• Pass a U.S. history and civics test and an English test.
• Take an oath of allegiance to the United States.

What You Can Do as a U.S. Citizen

As a citizen, you can:

• Vote in all U.S. elections and help shape laws and policies.
• Run for local, state, and national offices (except for President and Vice President, which require birth citizenship).
• Apply for a U.S. passport, which gives strong international travel rights.
• Sponsor more family members for Green Cards, including parents and married children.
• Enjoy permanent protection from deportation, as your status cannot typically be revoked.

You are also expected to:

• File all applicable U.S. taxes for life, including on income earned abroad.
• Be ready to serve on a jury if called to do so.
• Go through the Selective Service Registration (for males between 18 and 25 years old).

Main Differences Between a Green Card and Citizenship

Below is a summary of the key differences between a Green Card and citizenship:

Find Your Path Towards U.S. Citizenship With EB5AN

While a Green Card offers strong benefits, citizenship gives you more protection but requires a deeper level of commitment. This is why navigating the path from a Green Card to U.S. citizenship takes planning, time, and the right support. If your immigration journey began through the EB-5 visa program, you don’t have to take the next steps alone.

At EB5AN, we have over a decade of experience in helping investors secure Green Cards while also preparing them for long-term success in the United States. With more than 2,700 families supported across over 70 countries, we can guide you through obtaining your Green Card.

To learn more about how you can become an EB-5 Green Card holder and eventually a U.S. citizen, book a free call with us today.

Getting a U.S. Green Card through the EB-5 visa program is a big decision, as it requires a large financial commitment of at least $800,000. As such, every choice should be made carefully during the process, especially the EB-5 project you invest in.

This is because not all EB-5 projects are the same. While some follow the rules and give investors a strong chance at success, others may have problems that are not easy to see. One warning sign that you should never ignore is a pending request for evidence (RFE).

In this article, we will discuss why you should ask if an EB-5 project has pending RFEs and how it affects both your Green Card application and your financial future.

What Is an RFE?

A Request for Evidence (RFE) is a letter sent by USCIS when it needs more information before making a decision on a petition. They are not denials; rather, they are issued when a petition does not fully meet the rules, so the applicant has the opportunity to fix the issue. If the applicant replies with enough evidence, their petition is approved. If not, it may be denied.

There are two types of RFEs that can be served in the EB-5 process:

• Individual RFEs: These RFEs are sent directly to EB-5 investors. Here, the agency asks for more proof of details like lawful path and source of funds, identity or personal history, and business or income records.
• Project-level RFEs: These RFEs are sent to the regional center or the EB-5 project itself when USCIS has not decided whether the project is good enough for EB-5 purposes.

How Did the RIA Change the EB-5 Review Process?

One key change the EB-5 Reform and Integrity Act of 2022 (RIA) made was the requirement that all regional center projects file Form I-956F before investors can file their I-526E petitions. Form I-956F is a project application that must include all required documents that prove the project meets EB-5 standards. These documents include:

• Detailed business plan
• Economic impact study
• Loan or equity agreements
• Fund use plan
• Job creation model
• Securities compliance proof

Any project’s Form I-956F that misses one or more of these details may get an RFE.

Why USCIS May Issue an RFE to a Project

Below are some common reasons a project may receive a request for evidence:

1. Unclear Job Creation Method

The EB-5 program requires each investment to create at least 10 full-time jobs. So, a project will be issued an RFE if it:

• Lacks clear timelines or hiring schedules
• Uses an unrealistic economic model
• Does not show enough direct or indirect jobs

2. Problems With the Business Plan

A strong EB-5 business plan should include:

• Timelines
• Hiring schedules
• Construction or development stages
• Market data
• Capital structure

If the business plan skips these details, USCIS may not trust the project’s job creation or financial projections, thus leading to an RFE.

3. Improper Use of Funds

The agency wants to see that investor money is used for job-creating activities, not for personal gain or unrelated purposes. Therefore, a request for evidence may question:

• How funds are held or spent
• The flow of capital
• Whether the money stays at risk, as required

4. Conflicts of Interest

The RIA requires full disclosure of any actual or potential conflicts of interest between the regional center, project developer, or related parties. Thus, USCIS may issue an RFE if:

• Conflicts are not disclosed in the offering documents
• Investor waivers for conflicts, including permissible conflicts, are missing or incomplete
• The developer has too much control over loan terms or project decisions

5. Problematic Backgrounds of Key Individuals

Every person with control over the investment, pooling, or use of EB-5 funds must submit Form I-956H with biometric information and background checks. USCIS screens for the following and may issue an RFE or deny the filing if it finds:

• Fraud or deceit-related offenses in the past 10 years
• Civil fraud judgments over $1 million
• Convictions with over one year in prison
• Involvement in drug trafficking, money laundering, terrorism, or human trafficking
• Public discipline by financial regulators or professional boards

6. Annual Reporting Failures

Regional centers must file Form I-956G each year to report how EB-5 capital is used across projects. As such, missing this annual filing may result in compliance issues. If a project fails to file or update its records properly, it may get an RFE asking for current data.

Why Do Project-Level Pending RFEs Matter to You?

As an investor, you may not be directly involved in preparing the EB-5 project paperwork. However, your immigration success depends on that paperwork being solid. Here’s how a project-level pending RFE could impact your EB-5 process:

• It can delay your I-526E petition: USCIS often won’t move forward with reviewing an investor’s petition if the project documents are incomplete. If the project has a pending RFE, your petition may be unattended to for months or even longer.
• It can lead to denial of your petition: If the project fails to respond well to the RFE, or if USCIS rejects the response, your I-526E may be denied. That means no Green Card and a major loss of time and money.
• It can block you later at the I-829 stage: Even if USCIS approves your I-526E, you must still file Form I-829 to get your permanent Green Card. If the project never fixed the problems raised in the RFE, it may not meet the job creation requirements later.
• It may be a sign of deeper risks: Some RFEs reveal bigger issues like poor planning, weak financial structure, or bad management. If a project hides or ignores an RFE, it may not survive long enough for you to remove conditions and get permanent status.

Partner With EB5AN for Transparent EB-5 Projects

RFEs can signal a serious problem with an EB-5 project, which is why you need to find out if a project has a pending RFE before investing in it. A transparent project will be willing to disclose any issues and how it plans to mitigate risk for you. However, one that fails to provide important information is a red flag and should be avoided.

For EB5AN, transparency is a top priority. Our team has over 10 years of experience, and over 2,700 families from more than 70 countries have partnered with us to successfully secure their Green Cards.

If you’re ready to explore safe and vetted EB-5 projects with no RFEs, book a free call with our expert team today.

When it comes to the EB-5 visa program, investors have two main options: the regional center route and the direct investment route. Compared with the regional centers, direct investment has always carried more responsibility because investors must personally manage or closely monitor the business.

In 2022, the EB-5 Reform and Integrity Act (RIA) became law and offered more protection to investors in regional center projects. However, direct investments did not get the same updates. In fact, they now face more pressure than ever.

In this article, we will explain how the RIA changed the EB-5 landscape and the key risks of direct EB-5 investments.

What Did the RIA Change?

The EB-5 Reform and Integrity Act of 2022 was designed to improve oversight and restore trust in the EB-5 program. For years, investors faced risks tied to fraud, weak oversight, and poor project results. While the RIA addressed many of these concerns, its changes mostly focused on regional center investments.

Here are the key changes under the RIA:

• Stronger government oversight: Regional centers now face more reporting rules and must submit annual statements. These documents must show how funds are used and how jobs are created.
• Independent fund administration: Regional centers must use a third-party fund administrator. This rule helps prevent the misuse of investors’ money.
• Visa set-asides: The RIA reserved set-aside visas for rural, high-unemployment, and infrastructure projects. These projects now move faster through the EB-5 pipeline, making them more attractive.
• Job creation timeline: The RIA clarified when job creation must occur and gave investors a clearer window to meet requirements.
• Investor protections: If a regional center shuts down or loses approval, the law protects existing investors. They do not lose their visa process if the shutdown is not their fault.

Key Risks of Direct EB-5 Investments Post-RIA

While the changes brought in by the RIA benefit regional center investors, direct investors do not enjoy the same level of support. Below are the key risks of making a direct EB-5 investment after the RIA:

1. Job Creation Risk

The core rule of the EB-5 program remains the same: the investment must create 10 full-time jobs for U.S. workers. In a direct investment, those jobs must be:

• W-2 employees.
• Working at least 35 hours per week.
• Hired directly by the new commercial enterprise.

You cannot count indirect jobs like those in construction, supply chains, or nearby services because every job must be directly tied to your business. If your company does not hire enough qualified employees before your I-829 filing, you risk denial.

2. Increased Compliance and Documentation Requirements

Direct investors must now follow more rules and prepare more documents. This includes:

• Detailed business plans
• Full job creation models
• Payroll records
• Tax returns
• Operating agreements

You must prove that your investment is legitimate, that it remains at risk, and that it meets the job creation rules. You must also show that your business operates legally and follows all local and federal laws.

While regional center projects must file annual statements under the RIA, direct investors do not have that structure. You must handle your own compliance, and if you miss a detail, your petition could be denied.

3. Business Viability and Operational Risks

A direct EB-5 investment often means you are launching or funding a small business, which must succeed if you want to get your Green Card. However, small businesses face many challenges, like unclear market demand, cash flow problems, high competition, and labor shortages.

Furthermore, you are investing in a business and managing immigration goals at the same time. If the business closes or underperforms, your Green Card is at risk, as there is no backup plan.

4. Financial Risk and Capital Return

EB-5 law requires that your investment remain at risk, meaning you cannot receive any guarantee that you will get your money back. While this applies to both regional centers and direct investments, the latter faces more capital risk because investors often put all their money into one small business.

There are limited exit strategies, so if your business fails, your capital may be gone. Also, you cannot sell your stake until job creation is proven and the investment term ends. Since most small businesses do not have buyers waiting to purchase investor shares, you could be tied to a failing business for longer than expected.

5. Source-of-Funds Verification Challenges

USCIS requires all EB-5 investors to prove that their money comes from legal sources. As such, you must show how you earned the funds, how the funds moved to the U.S., and that the funds belonged to you or were a lawful gift.

In direct investments, the source and path of funds reviews have become more intense. Because you play an active role in the business, the U.S. government may take a closer look at both your investment and your financial background.

Partner With EB5AN to Invest in Safe Regional Center Projects

While the EB-5 program remains an appealing pathway to U.S. residency, direct investments carry significant risks. This is why almost all EB-5 applicants invest in regional centers, where the risks are more evenly distributed, and the burden of compliance and job creation is often managed by professionals.

If you’re looking for a more secure path to U.S. residency through the EB-5 program, consider partnering with EB5AN. We’ve already helped more than 2,300 families from over 70 countries achieve permanent residency in the United States, and we’d be happy to guide you next.

Book a free call with our expert team today to gain access to top-quality, USCIS-approved EB-5 projects.

The H-1B visa helps many skilled foreign workers work legally in the United States while building their careers. However, the caveat is that if you lose your job, your visa is at risk. You have only 60 days to either find another employer, change your status, or leave the U.S.

This situation puts many H-1B workers under pressure and distress because the idea of leaving all they have built behind is hard. For those in this position, two options stand out: the E-2 treaty investor visa and the EB-5 immigrant investor visa. Although both involve investing in the U.S. economy, they are not the same.

In this article, we will explore how each one works and help you select the best option for yourself and your family.

What Is the E-2 Visa?

The E-2 visa is a nonimmigrant visa that allows people from certain countries to invest in and run a business in the United States. It is often called the “treaty investor visa” because it is only available to nationals of countries that have a trade treaty with the U.S.

To qualify for an E-2 visa, you must:

• Be a citizen of a treaty country.
• Invest a substantial amount of money in a U.S. business.
• Own at least 50% of the business or hold a key managerial role.
• Show that the business is real and active, not marginal or just set up to meet visa rules.

The E-2 visa allows you to live and work in the country while managing that business. Additionally, it is usually granted for two to five years, and can only be renewed as long as the business remains active and meets the requirements.

However, the E-2 visa is temporary and does not directly lead to a Green Card. That means you can live in the U.S. for several years on an E-2, but still have no clear path to permanent residency or citizenship.

What Is the EB-5 Visa?

The EB-5 visa is an immigrant visa that allows foreign investors to obtain a Green

Card by investing in the U.S. economy. It is also known as the Immigrant Investor Program and is managed by U.S. Citizenship and Immigration Services (USCIS).

To qualify for the EB-5 visa, you must:

• Invest $800,000 in a targeted employment area (TEA), or $1,050,000 in a non-TEA location.
• Create at least 10 full-time jobs for U.S. workers.
• Prove that the investment funds came from a legal source.
• Keep the funds at risk for a set period of time.

With the EB-5 visa, after making the required investment, you can apply for a Green Card.

You will receive conditional residency for two years, during which time you must demonstrate that your investment has created or will create the required number of jobs. Once the conditions are met, your status can be upgraded to full permanent residency. For H-1B workers in distress, this visa can provide security and long-term peace of mind.

Why Is EB-5 a Better Long-Term Solution?

While both the E-2 and EB-5 visas involve investing in the U.S., only EB-5 leads to permanent residency. Beyond this key benefit, the EB-5 visa also offers the below.

1. You Enjoy Citizenship Benefits

With EB-5, you’re no longer tied to an employer, a business, or a visa that must be renewed. Therefore, you can work for any company or not at all, live anywhere in the U.S., and travel freely in and out of the country. Also, you can apply for U.S. citizenship after five years, which the E-2 visa simply does not offer.

2. You Don’t Have to Run a Business

The E-2 visa requires hands-on management of a business, which might not be easy, especially for someone who does not necessarily have relevant experience. In contrast, the EB-5 program offers the option of passive investment through regional centers. This means:

• You don’t need to hire staff or manage day-to-day operations.
• You don’t need business experience.
• You can focus on your career, studies, or family.

3. Open to All Nationalities

The E-2 visa is only available to people from treaty countries. Therefore, workers from a country like India, who make up the majority of H-1B visa holders, do not qualify, even if they have the investment funds and business skills to invest.

On the other hand, the EB-5 visa is open to everyone, no matter your country of origin.

4. More Protection for Families

The EB-5 visa offers Green Cards for your family, including your spouse and children under 21. That means your spouse can work in any field and your children can attend U.S. schools and colleges. Moreover, you don’t need to worry about your child aging out or losing status. This kind of protection is important for H-1B families who want to settle and build a life in the U.S.

Secure Your Green Card With EB5AN

For H-1B workers facing uncertainty with their visa status, the EB-5 visa offers a more reliable, stable, and secure route to permanent residency.

At EB5AN, we understand how important getting a Green Card is to you and your family’s future. So, our team is here for you whenever you are ready to take this next step. We have helped more than 2,700 families from 70+ countries become lawful permanent residents of the United States, and we can help you too.

Book a free call with our expert team

If you are planning to live and work in the United States, one of the most important steps is choosing the right immigration path. While there are many visa and work permit types out there, two of the most popular ones are the employment authorization document (EAD) and the EB‑5 Green Card.

Understanding the key differences between these options is important because your decision affects more than just your job. It influences your ability to travel, start a business, sponsor family members, or even qualify for citizenship.

In this article, we will talk about the differences between an EAD and an EB‑5 Green Card, and explain your best options when it comes to working in the U.S. long term.

What Is an Employment Authorization Document?

An employment authorization document or work permit is a temporary permit that allows noncitizens to legally work in the U.S. for a certain period. This document does not give you permanent resident status or make you a Green Card holder. Instead, it allows you to work while staying in the U.S. under a temporary visa status or while you are applying for another immigration benefit.

Previously, EADs were issued for two to three years. However, the USCIS policy update in 2023 extended this timeline: EADs are now issued with a five-year validity, reducing the need for numerous renewals in cases of Green Card adjudication delays. That said, here is an overview of how to get a work permit:

• Complete Form I-765: You can fill out Form I-765 online or on paper.
• Gather supporting documents: These include your visa, passport, photos, and proof of status.
• Submit your application to USCIS: Processing times range from a few weeks to months, depending on your category and service center. Once approved, you will receive your EAD card via mail.

Who Qualifies for an EAD?

You can apply for an EAD if you are already in the U.S. and meet certain conditions. Some common groups that qualify include:

• Applicants with pending Green Card applications or Form I-485.
• Applicants for adjustment of status in other categories.
• F-1 students with optional practical training (OPT).
• Asylum seekers.
• H-4 spouses of H-1B visa holders (under certain rules).
• Deferred action for childhood arrivals (DACA) recipients.
• Temporary protected status (TPS) holders.

EAD Benefits

An EAD offers you the following advantages if you are already in the U.S.:

• Work authorization: You can work for any U.S. employer, full-time or part-time, unless your specific category limits it.
• Legal stay: If tied to a valid visa or pending Green Card application, your stay is lawful.
• Flexibility: You can change jobs without needing employer sponsorship in most cases.

What Is an EB‑5 Green Card?

The EB-5 Immigrant Investor Program gives foreign nationals the chance to earn U.S. Green Cards by investing in American businesses. To qualify, you must invest in a new commercial enterprise that creates at least 10 full-time jobs for U.S. workers. In comparison to the temporary EAD, an EB-5 visa leads to lawful permanent residency.

To get permanent residency or a Green Card, you would have to:

• Invest the required capital: You must invest $800,000 if the project is in a rural or high-unemployment area, or $1,050,000 in other locations.
• File Form I-526E: You will need documents such as your proof of investment and job creation plan to file Form I-526E.
• Apply for conditional permanent residency: If you are in the U.S., you will file Form I-485 to adjust your status. Alternatively, you will file DS-260 if you are abroad. If you are in the U.S. and a visa is immediately available to you, you can benefit from concurrent filing and apply for your Green Card while filing your Form I-526E.
• Receive a conditional Green Card: If your Form I-485 or DS-260 is approved, you can live in the U.S. for two years as a conditional Green Card holder.
• File Form I-829: 90 days before the conditional Green Card expires, you can file Form I-829 to remove conditions and get a 10-year renewable permanent Green Card.

Benefits of Being an EB‑5 Green Card Holder

The EB-5 Green Card gives you and your family many benefits that an EAD cannot offer, which include:

• Permanent residency: You can live and work anywhere in the U.S. without limits.
• No employer sponsorship: You can start a business and work anywhere because you are not tied to any company or job.
• Travel freedom: With a Green Card, you can travel in and out of the U.S. freely.
• Education benefits: Your children can attend U.S. public schools and pay lower in-state tuition for college.
• Path to citizenship: After five years as a permanent resident, you can apply for U.S. citizenship. Keep in mind that the two years of conditional residence count toward meeting the five-year legal residence requirement.
• Social benefits: With a U.S. Green Card, you can qualify for social benefits.
• Work authorization for family: Your spouse and unmarried children under 21 also get Green Cards and can work or study.

What’s the Difference Between an EAD and an EB-5 Green Card?

The major difference between an EAD and an EB-5 Green Card is that an EAD is a temporary permit that allows you to work in the U.S. under certain conditions, while an EB-5 Green Card offers lawful permanent residency through investment. While both documents allow employment, the EB-5 Green Card provides significantly more freedom, stability, and long-term benefits.

Here’s a side-by-side comparison to help you understand the key differences between the two.

Contact EB5AN to Get Employment Rights Fast

If you currently rely on an EAD and feel limited by its short-term nature and other restrictions, you can consider transitioning to an EB-5 visa. With a Green Card, you have a more permanent solution that gives you and your family the freedom to live, work, and thrive in the U.S.

However, the EB-5 process requires careful planning, a clear investment, and reliable partners, and that’s where EB5AN can help. We have guided over 2,700 families from 70+ countries through the EB-5 process to become lawful permanent residents, and we can do the same for you.

Book a free consultation with us today to start your journey toward U.S. citizenship with a plan that works for you.

When you’re considering an EB-5 investment, safety is probably your biggest concern. After all, this is not just a financial decision; it is also about securing a U.S. Green Card for you and your family. As such, you want to be sure that the project you choose will finish, create jobs, and return your money after the required period.

One way to lower your risk is to choose a project backed by a third-party lender. These lenders do more than just add funding, as they play an important role in keeping the project on track.

In this article, we’ll explain how third-party lenders work in EB-5 projects and why their involvement matters in making a project more likely to succeed.

EB-5 Program Overview

The EB-5 program allows foreign nationals to invest in U.S. businesses in exchange for Green Cards. To qualify, you must invest $800,000 in a government-approved project located in a targeted employment area (TEA), or $1,050,000 in a project located elsewhere. Also, your investment must create at least 10 full-time U.S. jobs.

If you meet these conditions, you and your family (spouse and unmarried children under 21) can get Green Cards and later, apply for U.S. citizenship. The two main paths for EB-5 investing are:

• Direct investment, where you invest in and manage a business.
• Regional center investment, where you invest passively through a USCIS-approved regional center.

Most EB-5 investors choose the regional center route because it allows indirect job creation to count and does not require day-to-day involvement.

While regional center investments offer a clearer path to a Green Card, they still carry risk, especially when the project’s financing structure depends too heavily on EB-5 loans. If the project fails, you may not meet the job creation requirement or recover your capital. To reduce these risks, many investors look for one critical feature: a third-party lender.

What Is a Third-Party Lender?

A third-party lender is an outside financial institution, like a bank, private lender, or investment fund, that loans money to an EB-5 project. It is important to note that this lender has no direct relationship with the EB-5 regional center or developer.

Before lending capital to a project, these institutions typically do deep due diligence that involves:

• Project review: Lenders look at budgets, construction plans, permits, and schedules.
• Developer history: They check the developer’s experience, past performance, and credit background.
• Market analysis: Lenders assess demand, property values, rental income, and resale potential.
• Exit strategy: They confirm the exit strategy for loan repayment, whether it is through refinancing or sale.

Additionally, they bring in professionals to verify every detail. If something doesn’t add up, they walk away. So, when you see a project with a reputable third-party lender involved, you know someone with a serious financial interest has done a thorough review.

How Do Third-Party Lenders Offer More Security?

Alongside the rigorous due diligence they must have gone through, projects with third-party lenders offer the following benefits for EB-5 investors:

1. Capital Structure

In a typical EB-5 capital stack, the third-party lender holds the senior loan. That means their money gets repaid first, before the EB-5 capital or the developer’s profit. Because they are in this top position, lenders care deeply about the project’s success and do not tolerate mistakes or delays.

This structure benefits you as an EB-5 investor because the developer is incentivized to manage the project well and stay on schedule. This reduces the chances of failure, which is critical for your immigration goals and your EB-5 repayment.

2. Project Oversight

Lenders don’t just hand over the money and walk away once the project starts. Instead, they monitor progress closely, ask for regular updates, and receive reports. If something looks off, they can quickly intervene to get the project back on track.

3. Risk Diversification

When a project brings in a third-party lender, it adds balance by spreading out the financial risk. Since the lender takes on a big part of the funding, often 50% or more, the full cost of the project doesn’t fall only on the EB-5 investors and the developer. Moreover, projects with multiple funding sources are better prepared to handle cost increases, market changes, or construction delays.

4. Interest Alignment

When a third-party lender is involved, all parties share the same goal: project success. The lender wants the project to succeed so they can get repaid, while you, the EB-5 investor, want the project to create jobs so you can get your Green Card.

How Senior Loans Strengthen the Capital Stack in EB-5 Projects

The most secure EB-5 project structures are those in which core funding—especially a senior loan from an independent lender—is already secured before any EB-5 capital is introduced. In these cases, the EB-5 investment serves to offset existing debt or equity, rather than being the foundation of the project’s financing.

With a third-party lender already committed, much of the capital is in place, and the lender’s thorough evaluation signals strong project viability. EB-5 funds then supplement this structure, helping to lower the overall financing load while supporting job creation goals.

This kind of setup benefits everyone involved: developers gain access to a cost-effective funding source, and investors enjoy stronger financial footing and a greater chance of meeting EB-5 requirements for Green Card approval.

Work With EB5AN to Find Reliable Low-Risk Projects

When investing in the EB-5 program, you need a project that is not just promising but is also protected. Generally, a project that relies mostly on senior loan financing and developer equity is a low-risk option for EB-5 investors.

At EB5AN, we prioritize project safety. And with more than a decade of experience and over 2,700 families from 70+ countries successfully supported, we provide investors with reliable EB-5 opportunities.

Book a free call with our expert team today if you are looking for an EB-5 project backed by a reputable third-party lender.

For many international students, getting a U.S. Green Card can feel uncertain. While the H-1B visa offers one option, its lottery system and strict cap make it unreliable. Because of this, more students are considering the EB-5 Immigrant Investor Program as a more direct, reliable path to permanent residency.

However, the $800,000 investment can seem out of reach for many students. If you feel this way, the good news is that all hope is not lost. In fact, with early planning and the right strategy, you can meet the EB-5 requirements.

This article explains why EB-5 is a strong immigration choice for F-1 students and practical ways they can legally finance their investment.

Why EB-5 Is the Best Option for F-1 Students

Compared to other visa options, the EB-5 visa program offers the following benefits to students:

• No employer sponsorship needed: You don’t need a job offer or to depend on a company to file paperwork for you.
• Faster processing through rural EB-5 projects: Rural TEA projects qualify for set-aside visas, as well as priority processing by USCIS.
• Family coverage: A single EB-5 application can include your spouse and unmarried children under 21.
• Direct path to a Green Card: Unlike other immigration paths—which typically require going from F-1 to OPT to H-1B to EB-2 or EB-3—EB-5 allows you to apply directly for a Green Card without needing to change visa categories over several years.

How F-1 Students Can Finance Their EB-5 Investment

The law allows a wide range of lawful sources of funds for EB-5 investors as long as they are traceable. That said, below are the most common ways students can secure the required EB-5 capital:

1. Gifts

U.S. immigration law allows investors to receive gifted funds as long as the gift is unconditional and the giver can prove the legal source of the capital. To meet EB-5 requirements, you must provide:

• A signed and notarized gift deed from the giver.
• Proof of the giver’s income or savings, which can include salary slips, tax returns, and bank statements.

This is one of the most popular options for international students who can depend on family support.

2. Inheritance

Some students may inherit the necessary funds, and it is acceptable for EB-5 investment. To use inherited money, you may need to show:

• A copy of the will or probate records.
• Documents proving that the money was transferred into your account.
• Proof of how the original wealth was earned, if available.

3. Asset Sales

If you own property, such as land, a vehicle, or even shares in a company, you can sell those assets to raise part or all of your investment. Acceptable documents include:

• Sale agreement or deed of transfer.
• Bank statements showing the money from the sale entering your account.
• Proof of original purchase, such as a title deed or invoice.
• Records showing how you obtained the asset.

4. Personal Income

Some students may have earned money before coming to the U.S., or they may run a small business remotely. As such, income from salaries, OPT earnings, business profits, or side work can be a valid source of funds. For this method, USCIS typically expects:

• Pay slips or income statements.
• Tax filings showing income declared.
• Business registration documents, if the income is from business operations.
• Bank records showing income deposits.

5. Loans

EB-5 rules allow you to use loans for your investment, but there are some conditions. If using a secured loan, it must be secured by personal assets like property or shares and taken out in your name. USCIS may also need:

• Loan agreement or promissory note.
• Proof of the lender’s capacity to give the loan.
• Evidence of collateral, if required.
• Proof of fund transfer to the EB-5 escrow account.

Personal loans from banks or family members may also be allowed, as long as all terms are clearly stated and supported by documentation.

6. Education Savings Accounts or Trust Funds

Some families create education-focused financial plans for their children, like trust funds, fixed deposits, or custodial accounts. If you’re listed as the beneficiary of such an account, and your family decides to repurpose the funds, these can help cover your EB-5 investment.

You’ll need to show:

• Statements from the savings or trust account.
• Documentation of how the fund was created.
• A letter stating that the account owner permits the funds to be used for investment.

This approach works best when the account owner can also explain the legal origin of the money deposited.

Can International Students Combine Multiple Sources of Funds?

Yes, you can mix the different sources of funds discussed above to meet your EB-5 total investment. However, each source must be fully documented, legal, and traceable. When combining sources, you should keep all fund flows separate, label every document clearly, and use consistent names and bank accounts. Additionally, prepare a clear explanation letter for USCIS because they value transparency.

Timing Matters: When Should Students Start?

Many students wait until graduation to consider permanent residency options. However, students should begin exploring EB-5 financing options one to two years before their F-1 status or OPT expires for the following reasons:

• Concurrent filing: If you file your EB-5 petition while still on a valid visa, you may be eligible to submit Form I-485 (adjustment of status) at the same time. This gives you work and travel rights faster.
• Visa retrogression: For students from India or China, visa demand often exceeds supply. Filing early sets your priority date, which determines your place in line for a Green Card.
• USCIS processing times: EB-5 petitions can take several months to process, depending on the country of origin and visa category. The earlier you begin, the sooner you’re likely to get your Green Card.

Fund Your EB-5 Transition With Expert Guidance

Financing an EB-5 investment as a student may sound difficult, but with planning and the right strategy, it is possible. Whether your funds come from family, asset sales, loans, or a mix of everything, what matters most is that you have a document trail that proves it is legal.

We can help with this at EB5AN because we have over a decade of experience in guiding more than 2,700 families from 70+ countries to become lawful permanent residents of the United States.

To learn more about how you can transition from F-1 to EB-5 as an international student, book a free one-on-one consultation with us today.

When it comes to choosing the right EB-5 investment, new single-family homes offer a unique edge. When structured correctly, these properties not only meet the strict job creation and “at-risk” requirements of the EB-5 program, but they also align with current housing market trends, providing investors with both immigration compliance and peace of mind about project success.

With the current state of the housing sector, tight inventory, and shifting lifestyle preferences, single-family home developments are in high demand across the U.S. For EB-5 investors, this sector combines stability and clear timelines, making it an ideal option for those seeking a Green Card through investment.

In this article, we’ll break down why this asset class works so well for EB-5 applicants and how it can strengthen your immigration plan.

Why Real Estate Is a Top Choice for EB-5

Real estate has long been a preferred asset class for investors who want a Green Card for the following main reasons, among many others.

1. Tangibility and Transparency

Unlike startups or investment funds that don’t involve a physical asset, real estate is physical. This makes it easy for you to see the property, inspect the location, monitor construction progress, and understand the development timeline.

Additionally, real estate transactions involve documentation that is easy to validate, such as title records, permits, labor contracts, and construction invoices. Therefore, you’ll find it easier to provide clear, verifiable evidence to USCIS, both at the I-526E stage and when removing EB-5 Green Card conditions with Form I-829.

2. Built-In Job Creation

The EB-5 program requires that your investment create at least 10 full-time jobs for qualifying U.S. workers. Luckily, new real estate developments, especially those involving ground-up construction, naturally create jobs across a variety of roles. These include:

• Construction laborers
• Architects and engineers
• Project managers
• Materials suppliers
• Property managers and leasing staff

These jobs are relatively easy to document, particularly in regional center projects where indirect and induced jobs are counted using economic models.

3. At-Risk Capital With Clear Structure

The law requires your EB-5 investment to remain at risk throughout the process, meaning there can be no guarantee of return. However, “at-risk” does not mean reckless or vague. In fact, real estate projects allow you to engage in ventures where the risk is defined, measured, and managed.

A well-structured new home development provides projected returns, realistic timelines, and professional oversight. This makes it easier for you to meet both the immigration standard of “at-risk” investment and the personal goal of protecting your capital.

Additional Reasons to Invest in New Single-Family Homes

A Freddie Mac report estimates that the country is short by about 3.7 million housing units, which implies that there is a nationwide shortage of homes in the U.S. Recently, the demand for shelter has leaned more towards the single-family market, because families, first-time buyers, and remote workers prefer private space over shared multi-unit buildings.

Unlike older homes, single-family homes offer modern floor plans, energy efficiency, and technology features like smart thermostats and solar-ready wiring. These are qualities that renters and buyers seek out, making them easier to lease or sell.

For EB-5 investors, the strength of a project often hinges on how appealing its underlying assets are in today’s market. Single-family homes stand out as a smart asset class because of their broad renter appeal and long-term durability. With modern features, energy-efficient systems, and low-maintenance materials, these homes tend to lease quickly and retain tenants—supporting consistent income for the project. Their longer lifespan reduces upkeep costs over time, while demand remains high in both established and emerging suburban markets. Add in features like smart tech and improved safety standards, and it’s clear why this asset type helps EB-5 projects stay competitive, stable, and well-positioned for success.

EB5AN Offers Top-Tier Single-Family Home Projects

Deciding to place your EB-5 funds in the single-family homes sector is a smart move if you want to achieve your residency and financial goals as an EB-5 investor. However, it is important to partner with top-tier developers and reputable regional centers to make your dreams a reality.

EB5AN has worked with leading developers like Kolter Homes on several successful single-family home projects. Moreover, we have helped more than 2,700 families from 70+ countries relocate to the United States as lawful permanent residents.

Book a free call with our team today to learn more about how EB5AN-sponsored projects can help you obtain your Green Card.

Thousands of skilled workers from India move to the U.S. each year on H-1B visas, filling key roles in industries like tech, healthcare, finance, and other growing industries. However, after up to six years, they must either leave the U.S. or transition to a Green Card pathway.

Sadly, because of their temporary visa status and the fact that many Green Card processes take time, sudden immigration bans or policy changes mean Indian workers on H-1B could lose their ability to live and work in the U.S. Thankfully, one of the best ways to mitigate this risk is through the EB-5 Immigrant Investor Program.

This article will explain how the EB-5 program works and why it offers a strong solution for Indian H-1B holders who want to fast-track their permanent residency to secure their future in the U.S.

Understanding the H-1B Visa

H-1B visas are nonimmigrant work visas that allow U.S. employers to hire skilled foreign workers for specific job roles. The visa is employer-sponsored and usually valid for an initial period of three years, which is extendable to up to six years. During that time, you can live and work in the U.S., but under the following strict conditions:

• You must continue to work for your sponsoring employer.
• You must work in the role described in your H-1B petition.
• You must receive the required wage and meet work conditions approved by USCIS.
• You must not remain unemployed beyond the grace period allowed after a layoff or resignation.

Any change in employment, location, job role, or salary requires an H-1B amendment or transfer because even small errors in paperwork can terminate your H-1B status.

Termination of Employment

The most common cause of unlawful presence for H-1B workers is job loss. If your employer terminates the job offer, your H-1B status ends immediately. However, you have a 60-day grace period to find a new employer and file for an H-1B transfer. If you cannot do that within this time frame, you fall out of status.

When out of status, you can no longer work legally and might begin to accrue unlawful presence. Additionally, you may face penalties when applying for other visas or Green Card pathways. If you remain in unlawful status for over 180 days, you could ultimately face a ten-year ban from reentering the U.S.

How EB-5 Solves These Problems

The EB-5 Immigrant Investor Program is a U.S. government initiative to boost economic growth and create jobs through foreign capital in exchange for permanent residency. To qualify, applicants must make the minimum required investment of $800,000 for projects in targeted employment areas (TEAs) and $1,050,000 for non-TEA projects. Furthermore, the investment must create at least 10 full-time jobs for American workers.

Unlike the H-1B visa, the EB-5 program offers the following benefits:

• Freedom from employer sponsorship: The biggest advantage of EB-5 is that it does not depend on employment. Even if you, as an H-1B worker, lose your job after filing an EB-5 petition, you can still move forward with your Green Card application. In fact, you can switch careers, start your own business, or even stop working if needed.
• Faster processing through reserved categories: Compared to the decades-long waiting times for Indian nationals under other immigrant visa categories like EB-2 or EB-3, the EB-5 reserved categories currently have faster processing times.
• Protection from future immigration bans: Most immigration restrictions affect nonimmigrant visas like the H-1B. By getting permanent residency through EB-5, you avoid sudden policy changes that affect temporary visa holders.
• Family security: EB-5 allows you to include your spouse and children (under 21) in your petition. If eligible to adjust status concurrently, your family can qualify for work and travel rights even before the Green Card is approved, depending on your case and filing strategy.
• Path to U.S. citizenship: You and your family become eligible to apply for U.S. citizenship within just five years of receiving your Green Cards.

How Indian H-1B Families Can Access Green Card Privileges in Weeks

As mentioned above, thanks to changes introduced by the EB-5 Reform and Integrity Act, Indian H-1B workers can now take advantage of concurrent filing. This allows them to submit their EB-5 petition (Form I-526E) and their adjustment of status application (Form I-485) at the same time, if the visa category is current for India.

With this option, you can receive important immigration benefits (before your Green Card is approved) within a few months. These include:

• Employment Authorization Document (EAD) to work legally in the U.S.
• Advance Parole to travel internationally without needing a visa re-stamping.
• Legal protection to stay in the U.S. while your Green Card application is pending, even if your H-1B status ends.

This means Indian H-1B workers and their families can continue living and working in the U.S., independent of their H-1B or H-4 status. They can also travel more flexibly, which is especially helpful for spouses who face delays in renewing their H-4 permits.

Why Indian H-1B Workers Need to Act Fast

Indian nationals make up more than 72% of all H-1B visa recipients, according to a recent Department of Homeland Security (DHS) report. With such high demand, Indian H-1B holders face growing backlogs in the EB-5 program, especially in the unreserved category, which is already retrogressed for Indian applicants. While visa set-aside categories are still available, they could retrogress soon, thus ending the concurrent filing advantage.

The U.S. government monitors Green Card demand through the monthly Visa Bulletin. If EB-5 applications from India continue to rise in specific categories, cut-off dates for reserved set-aside visas could also be introduced, just like the unreserved categories. So, filing now, while priority dates remain current, offers a unique opportunity for Indian H-1B holders to move forward on a stable path to permanent residency.

Contact EB5AN to Secure Your Future in the U.S.

H-1B holders face many risks, as one job layoff, delay, or switch in policy can threaten everything you have built so far. Luckily, the EB-5 program can give you the flexibility and peace of mind to create a more secure future in the United States.

EB5AN, a leading EB-5 firm, specializes in guiding investors, including Indian nationals, through the complexities of the EB-5 program. With over a decade of experience, we have helped more than 2,700 families from 70+ countries become lawful United States Green Card holders.

Feel free to book a one-on-one call with our team today so you never have to worry about your legal status again.

While the idea of investing in a U.S. project that creates at least 10 full-time jobs to get a Green Card sounds straightforward, the actual EB-5 process can be more complex. In fact, if you are just starting out, it can feel like you’re walking into a maze of legal documents, rules, and timelines.

Additionally, small mistakes or delays at any step can cause your case to slow down or even be denied. Therefore, you need to put in the work to do everything right so that your dream of becoming a U.S. citizen can come to pass.

In this article, we will discuss practical ways to avoid delays, reduce stress, and build a solid strategy that keeps your Green Card process moving forward.

8 Ways to Make Your Green Card Process Faster

Speed matters in the EB-5 process because the longer your case takes, the more risk you are likely to face. Moreover, since issues like policy changes, visa backlogs, and project problems can happen, it is best to take proper control of the parts of the process you can influence. In no particular order, here are eight practical ways to do so.

1. Set Clear Immigration Goals and Timeline

Start your EB-5 visa journey by writing down your immigration goals. Are you moving for your child’s education, for business reasons, or to retire in the U.S.? Knowing your goals helps you make better decisions.

First, you can create a written plan that shows how you will carry out key steps like finding a project, transferring your funds, filing your petition, attending your interview, and entering the U.S. Next, break each big task into smaller actions to track your progress and update it monthly. That way, you are less likely to miss deadlines or make decisions that might negatively affect your goals.

2. Hire an Experienced EB‑5 Immigration Attorney

When it comes to EB-5, you need to hire an immigration attorney who specializes in EB-5, understands the latest laws, and has filed many I-526E petitions. Before choosing someone, confirm details like how many approved EB-5 cases they have handled in the past year and what they do when USCIS sends a request for evidence (RFE).

With the right lawyer, you won’t have to struggle with choosing the right project and collecting necessary documentation to make the entire process more predictable. Additionally, they can provide guidance on the redeployment of funds if your project experiences delays.

3. Seek Rural TEA Projects

Rural EB-5 projects qualify for priority processing and special visa allocations. Therefore, choosing one can reduce your wait time by months, or even years. According to the U.S. Census Bureau, rural areas are places with fewer than 20,000 people or are far from a large city. Feel free to ask project sponsors for proof that a project qualifies under these categories to put your Green Card application on a faster track.

4. Document Lawful Source of Funds Early

Proving source of funds is one of the most common causes of delays during the EB-5 process. This is because you must prove that every dollar was earned legally and moved through transparent channels. As a result, it is best to start gathering your documents early and translating them into English.

Here, you would need employment records, business income reports, tax returns, property sale agreements, and more. If the funds came from a gift, you’ll need a gift letter and the donor’s financial documents. Also, it is advisable to create a flowchart showing the entire path of your funds, from origin to escrow, if they came from multiple sources.

5. Verify the Project’s Compliance and Track Record

Before you invest, make sure your chosen project is real, compliant, and has a good track record. Make sure you conduct due diligence by reviewing the business plan, job creation report, financial projections, and asking for the I-956F receipt that shows USCIS has reviewed the project.

For a regional center, verify that it has a history of successful projects and that past investors received their money back. Also, once you invest, ask the project managers for updates on construction and job creation progress to prepare for your I-829 petition down the road.

6. Review Exit Strategies Before You Invest

While your EB-5 investment must remain at risk for at least two years, you’ll want your money back afterward. This is why you must read and understand the exit strategy before you invest.

Some projects might plan to sell properties, and others may refinance the loan or use operating profits to repay investors. Thus, you must make sure to find out when you’ll be eligible for repayment and what conditions must be met so you can manage your long-term finances and reduce the risk of loss.

7. Use Concurrent Filing to Gain Early Benefits

If you already live in the U.S. on a valid visa, such as an F-1 or an H-1B, you may be eligible for concurrent filing. This means you can file Form I-485 (adjustment of status) at the same time as your I-526E petition.

Concurrent filing also allows you to apply for a work permit and travel document, which are usually approved within three to six months. With it, you have the flexibility to work, travel, or remain in the U.S. legally without relying on your old visa.

8. Keep Up With EB-5 Program Changes

The EB-5 program has changed many times in the past, and more changes may happen in the future. As such, you should be intentional about following updates from trusted EB-5 law firms or industry groups so you can respond accordingly. You can also subscribe to the USCIS newsletter and be sure to check out the Department of State’s monthly Visa Bulletin.

Other Helpful Tips to Keep in Mind as an EB-5 Investor

Below are some extra steps you can take during the EB-5 process to stay organized and avoid unnecessary surprises:

• Keep your non‑immigrant status valid: If you’re in the U.S. on a visa, make sure you renew it on time so that it stays valid while you wait for your Green Card. Failure to do so may force you to leave the country and apply from abroad in some cases, which adds time and stress.
• Plan your family members’ paperwork: Your spouse and children under 21 can get Green Cards with you, but their documents must also be complete and accurate. To avoid any last-minute delays, make sure their passports remain valid during the application process. Furthermore, plan to get long-form birth certificates, marriage certificates, and school records, etc., if needed.
• Budget for all fees and unexpected costs: The EB-5 process will involve some other costs, like USCIS filing fees, attorney fees, wire transfer costs, and medical exam fees. It is advisable to calculate these in advance to help you handle all these without stress.
• Respond to USCIS requests for evidence quickly: Sometimes, USCIS sends a request for evidence if something is unclear in your petition. While an RFE is not always a bad sign, you need to work closely with your attorney to handle it quickly and carefully.

Fast-Track Your EB-5 Process With EB5AN

The EB-5 process can be complex for newcomers, but you do not have to go through it alone. Partnering with the right EB-5 professionals can make the difference between a frustrating experience and a smooth, well-managed journey to your Green Card.

At EB5AN, we’ve helped over 2,700 families from more than 70 countries become lawful permanent residents of the United States. With over a decade of experience in the EB-5 industry, we understand and resolve many different challenges investors may face along the way.

Schedule a free consultation with our team today to begin your journey toward U.S. permanent residency in no time.