DSCR Loans for Canadian Investors
No US credit history? No W-2? No problem. DSCR loans let Canadian investors finance US rental properties based entirely on the property's income — no personal income verification, no US employment history, and no Social Security Number required.
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US Investment Property Financing Without US Income
Conventional US mortgages require US credit history, employment, and tax returns that Canadian investors don't have. DSCR loans bypass all of that — qualifying you on the property's rental income alone.
No US Income Verification
No W-2s, no US tax returns, no employment verification. Your property's rental income is the only qualification factor — the lender calculates your DSCR ratio by dividing monthly rent by the total monthly mortgage payment.
No US Credit Required
Foreign national programs don't require a US credit score or any US credit history at all. Some lenders accept Canadian credit reports from Equifax or TransUnion Canada, while others qualify purely on the property's cash flow.
Close in Your LLC
DSCR loans close directly in your US LLC, with the entity listed as the borrower on the mortgage. This provides liability protection, separates personal and investment assets, and simplifies multi-property management.
30-Year Fixed Rates
Lock in a 30-year fixed rate with no balloon payments and no rate adjustments — ever. Your monthly payment stays the same for the life of the loan, providing predictable cash flow for decades.
Unlimited Properties
No cap on the number of DSCR loans you can have. Scale your US portfolio as fast as you can find profitable deals — each property qualifies independently on its own rental income.
Full Cross-Border Support
We handle the entire cross-border process from Canada — LLC formation, US bank account setup, lender matching, international wire coordination, and closing logistics.
Ready to invest in US real estate?
Let's analyze your deal and start the DSCR process.
DSCR Loan Requirements for Canadian Investors
DSCR loans have straightforward requirements focused on the property's income rather than your personal financial situation. Here is what Canadian investors need to qualify.
Requirements
- Valid Canadian passport for identity verification and foreign national classification.
- Minimum 25-30% down payment in USD, wired from your Canadian bank account.
- Property must achieve a DSCR ratio of 1.0 or higher.
- US bank account opened in your name or your LLC's name.
- US LLC formation recommended for liability protection.
- Property appraisal and rent schedule confirming market rental rates.
- Proof of funds showing sufficient reserves (typically 6-12 months).
How We Help
- Our legal partners form your US LLC, obtain your EIN, and set up a registered agent remotely.
- We provide referrals to US banks experienced with foreign-owned entities.
- Our team analyzes the property's rental income and DSCR ratio before you submit an offer.
- We structure your loan across 25,000+ lenders to find the best rate and terms.
- We guide you through the international wire transfer process with your Canadian bank.
- Our process includes a full pre-qualification review so there are no surprises.
- Post-closing, we remain available to help with refinancing and portfolio expansion.
Questions About DSCR Loans for Canadians
Qualification for Canadians
Process & Rates
Eligibility & Property Types
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