Financing US Rental Property in Florida — for Canadians
Florida is the top US market for Canadian investors. DSCR loans let you qualify on rental income alone — no US credit score, no W-2s, and close in your US LLC.
Why Canadians Finance in Florida with DSCR
Cross-border bank programs are slow and require US banking relationships. DSCR financing is built for foreign nationals: the property's cash flow drives approval, not your Canadian T4.
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Snowbird & STR Markets
Finance long-term rentals in Tampa and Jacksonville or short-term rentals near Orlando and Gulf Coast — lenders use market rent or STR projections.
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No US Credit Required
Foreign national DSCR programs accept Canadian investors without a US FICO score. Some lenders review Equifax Canada; others qualify purely on DSCR.
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Portfolio Scaling
Add Florida properties without hitting Canadian residential lending limits. Each US asset is underwritten on its own cash flow.
Florida Financing FAQ
Common questions from Canadian investors financing US rentals.
Florida DSCR Basics
Florida Closing & STR
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