Top U.S. High Schools & Property Investment Guide

Bridge Loan Mortgage

Over the past few months, we surveyed over 1,000 of our clients and partners globally with the following question:

"What is the key consideration for owning an investment property in the U.S.?"

The top 3 answers were:

1. Education
2. Price and Affordability
3. Profit/Income Potential

In this report, we look at the top public and private schools in California, New York, Texas, and Florida, and we rank them by:

1. Highest SAT scores
2. Cities with the highest rental yield
3. Cities with the Lowest Home Price-to-income ratio

We then conclude our report with our team's top 3 personal choices for US public schools, based on a combination of high SAT scores, the liveability of the city, rental income potential, as well as other personal and subjective aspects. 


Job market growth is certainly a key driver for price appreciation and is normally driven by new business formation in the area. Still, popularity as a living destination is driven by things like safety, cost of living, ease of transportation, and of course, quality of education.   

"Popularity as a living destination" drives demand, home value appreciation, and strong growth in rental income.

Education is an important factor for overseas property investors in determining where their next home purchase will be in the U.S. Most of the time, the objective of owning real estate to earn income almost always comes down to "could I live there one day"?   

In Asia, for example, where owning property is ingrained in their culture, it's common to purchase an investment property "in anticipation" of sending their child to college.  

They could even live there during or after graduation, and the price appreciation could even pay for college if they sell the property.  

Or if the child decides to get a job in the U.S., they can stay in the apartment as a post-graduation gift to build up their credit or even rent it out to earn income. 

Many new immigrants or returning expats will choose to live in areas where there are good schools and a higher population of similar background families. High schools are a very important decision since it will determine their experience during the formative years between 14-18 years of age and potential college choices. 


These rank the schools with the highest standardised test scores.  

California Public Schools

California Private Schools

New York Public Schools

New York Private Schools

Texas Public Schools

Texas Private Schools

Florida Public Schools

Florida Private Schools


Here we take the Average Yearly Rental Income as a percentage of the Average Home Price in the city or neighbourhood the school is in. This shows us how much income the asset produces vs. its cost. This is a rough guide, but I can argue it is understated since home prices are declining while rents have been increasing across the country. 

California Public School Cities

California Private School Cities

New York Public School Cities

New York Private School Cities

Texas Public School Cities

Texas Private School Cities

Florida Public School Cities

Florida Private School Cities


This is similar to a P.E. ratio for stocks. It's based on the Average Home Price compared to the Median Household Income in that particular city. The lower the price, the more affordable it is (IE better value), or in another way, the less the homes have increased vs. the income of that particular area. Nationally, the average is 4.7, but in popular destinations such as California or Hawaii, the ratios are 8.9 and 9.4, respectively. 

California Public School Cities

California Private School Cities

New York Public School Cities

New York Private School Cities

Texas Public School Cities

Texas Private School Cities

Florida Public School Cities

Florida Private School Cities


Looking at absolute test scores, New York and California have cities with the highest SAT scores for both public and private schools. However, these states will also have a higher home price-to-income ratio since they are fairly well-known destinations for overseas buyers - Palo Alto, Manhattan, San Francisco, etc. 

In this report, we want to highlight the value option. Cities where you are able to purchase a home that is not only affordable on an absolute basis but relative to its Median Household Income of that city. 

In this case, Texas and Florida are better options. In Florida, good areas to invest in include big metropolitan cities like Jacksonville and Bradenton, which boast surprisingly high rental yields ranging from 11% to 19%, respectively!

In Texas, rental yields are lower than Florida but still much significantly higher than California and New York and most importantly, higher than cost of financing. Largely populated cities like Houston and Dallas have the highest rental yields of 7.8 % and 9.5%. If you are only considering areas with good school districts, I recommend choosing areas that are closer to private institutions. You will be guaranteed a similar standard of education as New York and California public schools while earning a comparable income from investment. 


This of course are personal choices.  The truth is all of these schools are amazing and cities which they are located in all very liveable. If you want to be introduced to our realtor partner in these specific cities to learn more as well as property options available, please email us at: [email protected]

1. Canyon Crest Academy, San Diego, California 

Canyon Crest Academy is a prestigious public high school in San Diego, California. This is my number one choice as it ticks all the boxes. The area is diverse, affordable, and has high educational standards, as the school is ranked second state-wide (1400 SAT, 31 ACT). As a California native who's seen it all, I would also name San Diego as the most beautiful area in the state. In San Diego, you can enjoy stunning beaches, perfect weather, and amazing food, all whilst attending a top school. Additionally, if you are someone who considers college as part of your moving decision - for yourselves or for your kids - California is also a great place to live because of its proximity to top universities. Schools like UCLA, UCSD, UC Berkeley, and Stanford are only a drive away, which makes it easier and more accessible for families and their children. 

2. School for Advanced Studies Homestead, Miami, Florida. 

School for Advanced Studies Homestead, in Coral Gables, Miami, is a top 10 public high school in Florida. Located southwest of downtown Miami, Coral Gables is well known for its exclusive private estates, shopping districts, and upscale suburban lifestyle. After visiting the area last summer, I was stunned by its beauty and liveliness. Coral Gables is young, fun, and perfect for raising a family. I was surprised to find that the neighbourhood was less expensive than I thought. The average price of a home in Coral Gables is $235,800, with an average rent of $1,303. In this area, the rental yield is also higher at 6.6%, which increases your potential rental income.

Investing in an area like this would also be beneficial long term as it is only a short drive away from the University of Miami, one of the top 3 colleges in Florida. If your child is considering attending a college within state borders, Coral Gables is a great option.

3. Bronx High School of Science, Bronx, New York

If you're looking for an affordable house in New York City, be sure to take a look at the Bronx. Not only is the borough home to massive parks, diverse neighbourhoods, and great eats, but it also has the lowest average home price of any borough, hovering at $266K as of October 2022.

What's more, the Bronx has the highest-rated schools in the city. Bronx High School of Science is ranked number one amongst public high schools in New York (1400 SAT, 33 ACT). Investing in a home in the Bronx will also secure you a stable cash flow compared to other districts, as the rental yield in the area is 5%, 2% higher than the state average. On a more fun note, the Bronx is also the essence of the culture in New York. It is the home of hip-hop, jazz, and Yankee Stadium. You will surely get to enjoy the New York vibe when living in the Bronx.

Spain Property Investments: Benefits + GMG Mortgage Options  

International Mortgage UK

Property Investment in Spain 

If you find yourself enjoying pristine beaches, sangria, and architectural masterpieces, Spain might just be the destination for you. The beautiful coastal region is surrounded by three sides of the Mediterranean Sea, offering stunning views of scenic coastlines. Such attractions have allured an intense interest in foreign buyers, driving up property values by 11.8% in cities like Barcelona, Madrid, and Valencia. As a result, this has made Spain a prime spot for both vacation homes and property investment. 

Here are some of the top reasons why you should invest in Spanish rental property and experience all this beautiful country has to offer. 

Rental Income Potential

According to data released by the Central Bank of Spain in March of 2022, the expected return on the property investment market in Spain is around 10%. Spain, and especially the Spanish Costas, are proving increasingly attractive to purchase a house for rent. The average return on investment in Spain is high at 6.7 percent and peaks at almost 8 percent along Spanish coastal areas– Costa del Sol, Costa Blanca, and Costa Brava.

Price Appreciation Outlook

The end of the Covid-19 pandemic has turbocharged price appreciation in Spain. High demand and low supply, together with a decrease in construction and an increase in the price of materials, are big contributors to Spanish rental appreciation following post-pandemic recovery. As of October 2022, prices of existing dwellings in Spain have reached record-high numbers for cross-border investment. The Spanish property market is trending upward, and experts estimate around 750,000 property transactions will occur this coming year, with an average price growth prediction of 10%. 

Low Cost of Living 

Due to low minimum wages and average salaries in Spain, the cost of living is relatively affordable compared to other European countries. A family of four should be able to live comfortably in Spain with average monthly expenses of €3,120, including rent, utilities, transportation, and basic needs. Housing in Spain varies depending on the city, but typically, if you are buying Spanish property, the average property price per square meter in Barcelona and Madrid hovers around €3000–€5,000 (€150,000–€250,000 for a 50 square meter apartment). Homes with greater square footage in more exclusive areas of both cities can cost up to €600,000–€700,000. Expats living in the coastal region of Spain can expect to pay slightly more than other cities, although there are some exceptions. More affordable areas in Spain include Extremadura, Aragon, Castile-La Mancha, and Navarre, and the more expensive places to live in are prime vacation destinations such as The Balearic Islands – Ibiza, Menorca, and Mallorca. 

As of now, buying rental property in Spain is one of the best assets to invest in due to its high rental yield, forecasted appreciation, and quality of life. If you are interested in investing in European real estate, Spain is a great location to consider.

Mortgage Options for International Investors

Foreign investors and non-Spanish residents can now get appealing terms to finance their property purchase in Spain, such as a minimum loan amount of €250,000, up to 25 years (or until the borrower turns 75), and interest rates starting at 3.5%! The best part? This is available for properties throughout Spain, The Balearic, and The Canary Islands! With up to 75% loan-to-value, this program was created by GMG, particularly for foreign nationals! You'll be amazed at how simple qualifying is and the speed of the entire loan process.

Get in touch with us to learn more about investing in Spain, properties available to purchase through our partners and about GMG's financing solutions for foreign national investors today. [email protected].

Why Dubai is a Great City for Property Investment

Mortgage Loan Canada

Due to the sheer amount of investment opportunities, Dubai has become an attractive target for international investors. Expats looking to live and work in leading global business hubs that offer a luxurious quality of life and a good working environment have Dubai as a top option.

Here is what you need to know about investing in one of the fastest-developing countries in the world. 

Amount of International Investors

With desirable tax-free policies and little to no limitations on profit expenses, Dubai has one of the most notable track records for acquiring overseas investors. According to Invest Dubai, the emirate’s efforts to streamline regulation, support innovation, and develop human capital have paved the way for its premier presence today as the preferred global FDI destination for both Fortune 500 companies and new entrepreneurs alike. 

Consequently, Dubai has generated its highest amount of rental activity in decades, outpacing many western cities as the biggest investment destination with an average annual rental yield going upwards of five percent. Real estate blog Kaizen reports Dubai’s real estate sector to have attracted 19,757 foreign investors, of which concluded 24,666 investments worth over Dh35.6 billion.

Cost of Living

Due to its portrayal in the media, many assume you have to make a six-figure salary to even consider living in Dubai. However, the cost of living is not as high as one might think. In fact, one of the reasons Dubai is such a popular destination for foreign investors due to its lack of income tax and minimal sales taxes. Rental costs and living expenses are also quite low compared to other urban cities like London or New York. According to DMCC, the average rent for a studio apartment in the centre of Dubai is AED 5,141.89 (USD 1399,92), with monthly expenses of AED 3,477.89 (USD 946,88). Similarly, the average home price in the centre of Dubai is AED 2,791,502 (USD 760,000). 

Visa Opportunities (Portugal, Spain, Dubai)

Recently, the UAE has relaxed restrictions on their coveted Golden Visa to attract more expatriates. Along with slimming down their minimum investment requirements from AED 5 million to AED 2 million, the UAE also doubled its validity from 5 years to 10 years. Under the new amendments, investors are now entitled to obtain long-term residence when purchasing property loans from local banks.

Top Areas in Dubai

According to 99acres, the most sought-after real estate properties in Dubai are within Dubai Hills Estate and Dubai Silicon Oasis, both of which are luxurious residential areas. Palm Jumeirah, Dubai Marina, and Dubai Downtown are also popular locations because of their exclusivity and glamor.

The listings in these areas suggest that residential apartments dominate almost 75% of the housing demand in Dubai. Among them, one-bedroom and two-bedroom units have the highest demand, with prices starting from around AED 66,700.

Another popular configuration in Dubai is independent houses that generally comprise two bedrooms and above. The prices of these standalone units begin at AED 111,160.

GMG Dubai Mortgage 

With up to 25 years, maximum 75% loan-to-value, and interest rates starting from 5%, foreign investors and non-Dubai residents can now obtain attractive terms to finance their Dubai property purchase.

GMG designed this program specifically for foreign nationals with particular focus on the ease of qualifying. The speed of the entire loan process will surprise you.

Get in touch with us today to find out more at [email protected].