Down payment, financing costs and carrying expenses reduce the liquid funds available, while EB-5 capital must remain at risk with no guaranteed return or fixed repayment date. Model the two commitments together over several years, including government filing fees, legal and translation costs, medical examinations and consular processing for each family member.
Stress-test the household cash flow
Assume the investment returns nothing during the conditional period and that removal of conditions takes longer than hoped. Can the mortgage still be serviced from other income? If the answer depends on the project repaying, the plan is fragile, because sustainment periods are not uniform and no rule releases capital simply because two years have passed.
Confirm current official fee amounts at each filing rather than budgeting from an older figure. Run the stress test on the assumption that the enterprise distributes nothing throughout the conditional period and that removing conditions takes longer than expected, since both are ordinary outcomes rather than pessimistic ones. If the mortgage can be serviced from other income in that scenario, the plan holds.
If it cannot, the honest conclusion is that the household is choosing between the two commitments rather than funding both. Add filing fees, legal and translation costs and medical examinations for each family member, which continue independently of either asset.