US Investment Property for Canadians
Buy rental properties across all 50 US states with DSCR loan financing designed for foreign national investors. No US credit history, no W-2, no tax returns — qualify entirely on the property's rental income with as little as 25% down. From Florida vacation rentals to Ohio cash-flow duplexes to Texas single-family homes, we help you identify the right market for your investment goals. We handle the complete cross-border process including US LLC formation, bank account setup, lender matching, and closing coordination so you can build a US portfolio from Canada with confidence.
Strategy Call
Discuss your goals and financing needs
Get Pre-Approved
We match you with the right lender
Close Your Deal
Fast closings with expert support
Build a US Real Estate Portfolio from Canada
US real estate offers Canadian investors lower entry points, stronger cash flow, 30-year fixed rates, and LLC liability protection that doesn't exist in Canada. We make the cross-border process straightforward.
All 50 States
Finance investment properties anywhere in the United States. From Florida condos and Gulf Coast vacation rentals to Ohio duplexes and Texas single-family homes — we cover every market. Our lender network includes programs for all major metros, secondary markets, and rural investment areas with no geographic restrictions.
DSCR Qualification
Qualify on the property's rental income, not your Canadian employment. No US credit, no W-2s, no tax returns — the deal speaks for itself. The lender simply divides the monthly rent by the total mortgage payment (principal, interest, taxes, and insurance) to calculate your DSCR ratio. A ratio of 1.0 or above means you qualify.
LLC Protection
Close in a US LLC for liability protection, ensuring your personal assets in Canada are shielded from any claims related to the property. Unlike Canada where most investors hold property personally, US LLC structures create a legal separation between your investment and personal net worth. Formation costs are typically $500-$1,500 with our legal partners.
30-Year Fixed Rates
Lock in predictable payments for 30 years with no balloon payments and no rate surprises. Unlike Canadian mortgages that renew every 5 years, your US rate is fixed for the entire 30-year term. Current foreign national rates range from 7-9% depending on your down payment, DSCR ratio, and property type — and your cash flow projections stay accurate for decades.
Market Guidance
We help Canadians identify the best US markets for their investment goals — whether that is maximum cash flow in markets like Cleveland and Memphis, long-term appreciation in sunbelt cities like Tampa and Phoenix, or short-term rental income in tourist destinations like Orlando and Gatlinburg. Our market analysis includes cap rates, rent-to-price ratios, and local landlord-tenant law overviews.
Portfolio Scaling
No limit on the number of DSCR loans you can hold simultaneously. Start with one property and scale to 10, 20, or more — each property qualifies independently on its own rental income. Many of our Canadian clients add 2-3 properties per year using the equity and cash flow from their existing US investments to fund new acquisitions.
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What Canadian Investors Need to Buy US Property
Buying US investment property as a Canadian is straightforward with the right preparation. Here is what you need to get started and how we simplify every step of the process.
Requirements
- Valid Canadian passport for identity verification and foreign national loan classification with US lenders.
- Minimum 25-30% down payment in USD, sourced from your Canadian bank account and wired through standard international transfer channels.
- US bank account in your name or LLC name for rent deposits, mortgage payments, and property expense management.
- US LLC formation for liability protection and clean entity-level borrowing — our legal partners handle the entire setup remotely.
- Property must meet a minimum DSCR ratio of 1.0 with documented rental income from an appraisal rent schedule or existing lease.
- Proof of reserves showing 6-12 months of mortgage payments held in accessible accounts (Canadian or US banking is accepted).
How We Help
- Our legal partners handle US LLC formation, EIN application, registered agent setup, and operating agreements — all done remotely from Canada.
- We provide referrals to US banks that specialize in foreign-owned entity accounts, so your bank account is ready before closing.
- We analyze target markets using cap rates, rent-to-price ratios, and appreciation trends to help you invest in the right location.
- Our team pre-qualifies properties by running DSCR calculations before you make an offer, eliminating wasted time on deals that will not qualify.
- We shop your deal across 25,000+ lenders to secure the best rate, lowest fees, and most favorable terms for your profile.
- We coordinate the international wire transfer with your Canadian bank and the US closing agent to ensure funds arrive on schedule.
- Post-closing, we connect you with vetted property managers, cross-border tax accountants, and insurance agents in your market.
Questions About US Investment Property
Everything Canadian investors need to know about buying US rental property. Can't find your answer? Book a call with our team.
Getting Started
The process involves: (1) Open a US bank account (we provide referrals), (2) Set up a US LLC (our legal partners handle this), (3) Find a property with a DSCR of 1.0+, (4) Apply for a DSCR loan (we handle this), (5) Close in your LLC. The entire process from first call to closing typically takes 45-60 days.
Popular states include Florida (no state income tax, strong appreciation), Texas (no state income tax, population growth), Ohio (low entry points, strong cash flow), Georgia (Atlanta metro growth), and Tennessee (Nashville appreciation). We help you evaluate markets based on your investment criteria — whether that's cash flow, appreciation, or a balance of both.
Costs & Taxes
As a foreign national, most DSCR lenders require 25-30% down for investment properties. Some programs accept 20% down for borrowers with Canadian credit scores above 700 and DSCR ratios above 1.25. Down payments are wired from your Canadian bank account.
Canadian investors pay US federal tax on US rental income (typically 30% withholding or actual tax after deductions if you file a US return). You also file a Canadian return reporting the income, but receive a foreign tax credit to avoid double taxation under the Canada-US tax treaty. We strongly recommend working with a cross-border tax accountant.
You will need a US landlord insurance policy (also called a dwelling fire policy) covering the structure, liability, and loss of rental income. If the property is in a flood zone, separate flood insurance is required. Your US insurance agent will need your LLC information. Annual premiums vary widely by state — expect $1,200-$3,500 per year for a single-family rental. Florida and Gulf Coast properties tend to have higher premiums due to hurricane risk.
Ongoing Management
Most Canadian investors hire a local property management company to handle tenant screening, rent collection, maintenance, and inspections. Management fees typically range from 8-12% of monthly rent for long-term rentals. A good property manager is essential for cross-border investing since you cannot easily visit the property. We provide referrals to vetted property managers in all major US investment markets and help you evaluate management agreements.
Yes. DSCR refinancing is available once the property is stabilized and generating rental income. Rate-and-term refinances let you lock in a better rate if market conditions improve, while cash-out refinances allow you to pull equity from the property to fund your next acquisition. Most lenders require a 6-month seasoning period after purchase before refinancing. The cash-out refinance is the cornerstone of the BRRRR strategy many Canadian investors use to scale their portfolios.
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