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Investment Property Lending Locations

Direct AnswerCross-border mortgage financing for investment properties across Canada, United States, and Mexico. Specialized expertise in international lending, currency considerations, and regulatory requirements.

Where we lend · Canada · USA · Mexico

Canada, the United States, and Mexico.

01 · Canada

Canadian rentals, from one door to a block.

CMHC MLI, conventional, and private — coast to coast. We put the file with a lender who actually does investment property, not a branch that treats a fourplex like a house.

Financing for Canada
02 · United States

Buy U.S. rentals without a U.S. credit file.

DSCR and foreign-national programs. No SSN required. If the property cash-flows, we can usually get you in front of a lender.

Financing for the U.S.
03 · Mexico

Coastal or inland, through a bank trust.

Fideicomiso structure, specialized lenders, 30–50% down typical. We'll tell you if the deal is financeable before you wire a deposit.

Financing for Mexico
Canadian flags on a downtown street between office buildingsUnited States flag on a brick building among downtown skyscrapersCineteca Nacional in Mexico City at night, with Mexican flags
Why Choose Us

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.

3
Countries
25-50%
Down Payment
50+
Lender Partners
15+
Years Experience
  • 01

    Cross-Border Expertise

    Specialized knowledge in international lending, currency considerations, and regulatory requirements across Canada, USA, and Mexico.

  • 02

    No SSN Required (USA)

    Investment property loans accessible without SSN requirements or U.S. credit history through foreign national programs and DSCR loans.

  • 03

    Bank Trust Financing (Mexico)

    Real estate financing through fideicomisos (bank trusts) and specialized lender programs for both coastal and inland investments.

  • 04

    Entity Structuring Guidance

    Advice on the best ownership structure for asset protection, tax efficiency, and financing options in each country.

  • 05

    Fast Pre-Approval

    Get pre-approved within 24-48 hours for straightforward applications so you can move quickly on opportunities.

  • 06

    All Property Types

    Financing for residential, multi-family, commercial, development, and specialized investments like PadSplit co-living.

Ready to invest across borders?
Financing Options

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.

  • Coast-to-coast coverage
  • Foreign buyer regulation expertise
  • Non-resident taxation guidance
  • 5-20% minimum down payment
  • A-lender and alternative options
Discuss Canada Financing

United States

Investment property loans accessible without SSN requirements or U.S. credit history. We offer foreign national programs and DSCR loans that qualify based on property cash flow rather than personal income.

  • No SSN required
  • No U.S. credit history needed
  • Foreign national programs
  • DSCR loan options
  • 25-35% typical down payment
Discuss USA Financing

Mexico

Real estate financing through bank trusts (fideicomisos) and specialized lender programs for both coastal restricted zone and inland investments. Navigate Mexico's unique ownership structures with expert guidance.

  • Fideicomiso (bank trust) financing
  • Coastal zone expertise
  • Inland property options
  • Specialized lender programs
  • 30-50% typical down payment
Discuss Mexico Financing

“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”

River Schauber

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“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”

Camille Jordaan

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“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”

Kelly RCO

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“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”

val almeida

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“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”

Brandon

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“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”

Rose Laflamme

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“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”

Margaret Z

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“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”

Savanna Campbell

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FAQQ & A

Cross-Border Investment Questions

Everything you need to know about international investment property financing.

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.

Getting Started (Continued)

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.

Ready to Take the Next Step?

Our team of experts is here to help you find the best financing solutions for your goals.

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