Investor Q&A Archive
Short answers from strategy calls and podcast themes — each links to a full article or tool.
What DSCR do lenders require for US rental properties?
Most US DSCR lenders target 1.0–1.25+ depending on program, property type, and credit. STR and foreign-national files often need higher cushions.
How is Canadian apartment DSCR different from US DSCR?
Canadian multifamily often uses CMHC NOI tests and lender-type-specific ratios; US DSCR is typically property-income based without personal income verification.
Can I qualify for more than 4–5 rental properties in Canada?
Yes — investors use B-lender sequencing, commercial files, partnerships, and equity recycling. Personal income limits are not the only path.
What is CMHC MLI Select vs MLI Standard?
MLI Select uses a points system (affordability, energy, accessibility) for up to 95% LTV and longer amortization; MLI Standard is the baseline insured multifamily program.
Do I need an LLC for US investment property?
Many Canadians use US LLCs for liability and banking, but structure depends on tax advice, lender requirements, and how many properties you hold.
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