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Canadian DSCR programs (sometimes called DCR or rental-cash-flow) typically allow 75-80% LTV at 1.20+ DCR, priced as the 5-year CMB yield plus a lender spread (quote-dependent) through commercial lenders. US DSCR loans for Canadian foreign nationals run 70-75% LTV with 1.0-1.25 DSCR, 30-year fixed rates quoted per file (DSCR Authority's domestic anchor is 6.75% at 720 FICO, 75% LTV, DSCR 1.00-1.24, band ~6.125-7.375%, Oct 1, 2026), no income verification, ITIN-friendly, and close in an LLC. Canadian insured pricing (MLI Select, LendCity™ estimate 4.69%–5.44% as of Nov 3, 2026) sits below US DSCR pricing; the US wins on access, scale (no 10-property cap), 30-year fixed structure, and cash-flow math per dollar invested.