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CHELSEA · EB-5 FIELD GUIDE

Can a Chelsea retiree meet the EB-5 capital requirement by combining a house sale with a pension lump sum?

Sources checked:

THE DIRECT ANSWER

Yes, if the combined lawful funds reach the current threshold for the project type, are traced from origin to the enterprise and are placed at risk with the required job creation. The mix of sources is not a problem; the documentation of each is.

Two lawful sources, one continuous trail

The immigrant-investor rules do not require that the capital come from a single origin. They require that all capital be the investor’s own, lawfully obtained and traceable. A house sale and a pension transfer value are both ordinary lawful sources, and a retiree who documents each fully has a stronger file than one who shows a single large unexplained balance. The amount must meet the standard US$1,050,000 or the US$800,000 figure for a targeted employment area or infrastructure project, checked against any adjustment in force on the filing date. The capital must be invested in a new commercial enterprise, placed at risk without guaranteed return, and credited with at least ten full-time jobs for qualifying U.S. workers. The investor must hold policy-making or management rights. Meeting the dollar figure is the beginning of the case, not its end.

The first review checks the investment amount applicable on the filing date, the new commercial enterprise, the lawful path of every dollar, and the credible job-creation plan. Capital must face a real possibility of gain and loss; it cannot be protected by a guaranteed repayment arrangement. Approval leads to conditional permanent residence, not an immediate unrestricted result, and the later petition must show the investment and jobs were sustained. Hypothetical example: a greenhouse operator sells shares in a family company and contributes the proceeds to a direct EB-5 venture. The share register, sale agreement, tax records, bank trail, and staffing model answer different parts of the requirement.