US residents comparing 1–4 unit DSCR rates belong on DSCR Authority rates. Canadians buying in the U.S. stay on this page.
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 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.
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 profile.
Market Guidance
We help Canadians identify the best US markets for their investment goals — maximum cash flow in Cleveland/Memphis, long-term appreciation in Tampa/Phoenix, or short-term rental income in Orlando/Gatlinburg. Our analysis includes cap rates and rent-to-price ratios.
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 clients add 2-3 properties per year using equity.
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 loan classification.
- Minimum 25-30% down payment in USD, wired from your Canadian bank.
- US bank account for rent deposits and mortgage payments.
- US LLC formation for liability protection and entity-level borrowing.
- Property must meet a minimum DSCR ratio of 1.0.
- Proof of 6-12 months of mortgage reserves in accessible accounts.
How We Help
- Our legal partners handle US LLC formation, EIN application, and documentation remotely.
- We provide referrals to US banks that specialize in accounts for foreign-owned entities.
- We analyze target markets using cap rates and appreciation trends for the right location.
- We pre-qualify properties by running DSCR calculations before you make an offer.
- We shop your deal across 25,000+ lenders for the best rates and terms.
- We coordinate the international wire transfer with your bank and the US closing agent.
- Post-closing, we connect you with managers, tax accountants, and insurance agents.
Questions About US Investment Property
Everything Canadian investors need to know about buying US rental property.
Getting Started
Costs & Taxes
Ongoing Management
Costs & Taxes (Continued)
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