Why book with LendCity
- Qualify on property income, not personal T4
- Canadian cash-flow mortgages + US DSCR for Canadians
- Calculator → strategy call handoff in one session
FAQ
Do DSCR loans exist in Canada?
Canadian lenders use the same cash-flow principle (DCR). We arrange cash-flow mortgages from 1 unit and US DSCR loans for Canadians buying south of the border.
What DSCR do I need?
Most lenders look for about 1.10x–1.25x debt coverage. We’ll model your deal on the call after you run the calculator.
Do I need personal T4 income to qualify?
On a true cash-flow / DSCR path, the property’s rent vs debt service drives approval — not your Canadian employment. Conventional retail mortgages still use personal income and the stress test.
Can Canadians use DSCR for US rentals?
Yes. Foreign-national DSCR programs qualify on US rental income (PITIA). No US W-2 or FICO is required on many programs; you can often close in a US LLC.
What property types qualify for a DSCR path?
Canadian cash-flow mortgages typically cover 1+ unit rentals and small multifamily. US DSCR commonly covers 1–4 unit long-term and, with selected lenders, short-term rentals.
What happens after I run the DSCR calculator?
Bring the ratio, rent, and payment assumptions to a free strategy call. We match Canadian DCR or US DSCR lenders and outline down payment, reserves, and closing steps.