Finance your U.S. real estate investments and vacation homes without a U.S. credit score or tax returns. We provide DSCR and foreign national loan solutions in all 50 states.
Buying in the U.S. as a Canadian doesn't have to be complicated. Our team specializes in cross-border financing, ensuring you have the right loan structure, tax considerations, and legal support for your U.S. acquisitions.
Qualify for U.S. investment properties based on the property's rental income (Debt Service Coverage Ratio) instead of your Canadian personal income or tax returns.
We work with U.S. lenders who specialize in foreign national loans, allowing you to use your Canadian credit history to qualify for U.S. mortgage financing.
Expertise in the most popular U.S. markets for Canadians, including Florida, Arizona, Texas, and California. We understand the local tax and insurance requirements.
Loan programs specifically designed for Canadians buying in the U.S., with simplified documentation and structures that account for cross-border ownership.
Access our network of U.S. title companies and cross-border legal experts who understand the FIRPTA requirements and U.S. escrow processes.
Whether you're buying a condo in Maui, a multi-family in Ohio, or a vacation home in Orlando, we provide financing solutions across the entire United States.
From cash-flow loans to fix-and-flip bridge financing, we offer U.S. loan programs specifically designed for Canadian real estate investors.
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income, not your personal income. No U.S. tax returns or W-2s required — perfect for Canadians investing in American real estate.
Finance U.S. rental properties as a Canadian investor. From single-family homes to small multi-family, we connect you with lenders who specialize in foreign national investment programs.
Hard money and bridge loans for Canadians looking to flip U.S. properties. Fast closings and financing based on after-repair value (ARV).
Invest in U.S. multi-family properties for stronger cash flow. DSCR programs work well for multi-unit buildings where rental income covers the mortgage.
Close on U.S. investment properties in your LLC for liability protection and tax advantages. We guide Canadians through LLC formation, EIN setup, and entity-based mortgage qualification.
Finance U.S. short-term rental properties with projected Airbnb or VRBO income. DSCR programs accept AirDNA projections to qualify — no personal income verification required.
Finance properties for the PadSplit room rental platform. DSCR loans qualify on projected per-room rental income, which often generates 2-3x the cash flow of traditional rentals.
“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…”
“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…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“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…”
“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Everything you need to know about tailored financing for canadians.
DSCR loans with no US credit or tax returns — book a call to pre-qualify your deal.
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