Investment Property Lending Locations
Cross-border mortgage financing for investment properties across Canada, United States, and Mexico. Specialized expertise in international lending, currency considerations, and regulatory requirements.
Strategy Call
Discuss your cross-border investment goals
Custom Solution
We find financing across Canada, USA, or Mexico
Fast Approval
Get pre-approved in 24-48 hours
Cross-Border Investment Property Financing
We specialize in mortgage financing for investment properties across North America with expertise in international lending, currency considerations, and regulatory requirements.
Cross-Border Expertise
Specialized knowledge in international lending, currency considerations, and regulatory requirements across Canada, USA, and Mexico.
No SSN Required (USA)
Investment property loans accessible without SSN requirements or U.S. credit history through foreign national programs and DSCR loans.
Bank Trust Financing (Mexico)
Real estate financing through fideicomisos (bank trusts) and specialized lender programs for both coastal and inland investments.
Entity Structuring Guidance
Advice on the best ownership structure for asset protection, tax efficiency, and financing options in each country.
Fast Pre-Approval
Get pre-approved within 24-48 hours for straightforward applications so you can move quickly on opportunities.
All Property Types
Financing for residential, multi-family, commercial, development, and specialized investments like PadSplit co-living.
Ready to invest across borders?
Let's discuss your international investment goals and find the right financing.
Locations & Property Types We Finance
From Canadian rentals to U.S. fix-and-flips to Mexican vacation properties, we provide comprehensive financing solutions across North America.
Canada
Competitive financing for investment properties nationwide. We understand foreign buyer regulations, non-resident taxation considerations, and provincial requirements across all Canadian markets.
What's Included
- Coast-to-coast coverage
- Foreign buyer regulation expertise
- Non-resident taxation guidance
- 5-20% minimum down payment
- A-lender and alternative options
What Our Clients Say
Cross-Border Investment Questions
Everything you need to know about international investment property financing. Can't find your answer? Book a call with our team.
Getting Started
Down payments typically range from 25-50% depending on the country, property type, and your financial profile. Canadian investment properties usually require 20-25%, while U.S. and Mexico properties often require 25-50% down.
Yes, we specialize in financing for non-residents and foreign nationals. In the U.S., we offer programs that don't require an SSN or U.S. credit history. In Mexico, financing is available through bank trusts (fideicomisos) for foreign buyers.
Documentation varies by country but typically includes proof of income, tax returns, bank statements, identification, and property information. For foreign national programs, requirements may be simplified with emphasis on asset verification and property cash flow.
Qualification & Approval
Lenders evaluate credit history, income verification, debt-to-income ratios, and the property's potential cash flow. For DSCR loans, qualification is primarily based on the property's rental income covering the mortgage payment rather than personal income.
Entity requirements vary by location and strategy. Some lenders require LLC ownership in the U.S., while others allow personal ownership. We'll advise on the best structure for asset protection, tax efficiency, and financing options in each country.
Closing timelines vary: Canadian investment properties typically close in 30-60 days, U.S. properties in 30-45 days, and Mexican properties may take 45-90 days due to fideicomiso setup requirements.
Property & Financing
Yes, many of our programs allow rental income qualification. DSCR (Debt Service Coverage Ratio) loans qualify based entirely on the property's rental income. Traditional programs typically count 50-80% of projected rental income toward qualification.
Most residential and commercial property types qualify, including single-family, multi-family, retail, and office buildings. Some restrictions may apply to raw land, special-use properties, or properties in certain locations. We'll help identify the right lender for your property type.
Investment property rates are typically 0.5-2% higher than owner-occupied rates. Rates vary by country, property type, loan-to-value, and borrower qualification. Foreign national programs may have higher rates due to increased risk factors.
Cross-Border Considerations
Cross-border real estate investment has significant tax implications including rental income taxation, capital gains, withholding requirements, and potential double taxation. We strongly recommend working with a cross-border tax specialist to structure your investments properly.
Currency risk is a key consideration for cross-border investors. Rental income and property values in foreign currencies can impact your returns when converted to Canadian dollars. Some investors hedge currency risk or match financing currency to rental income currency.
Ready to discuss your cross-border investment?
Talk to an Expert