Protect Your Assets with LLC Ownership
In Canada, investment properties are held in personal name. In the US, serious investors use LLCs for liability protection, asset separation, and professional portfolio management. DSCR loans make entity financing easy.
Liability Protection
An LLC creates a legal wall between your US investment properties and your personal assets in Canada. Lawsuits, claims, and liabilities stay contained within the LLC entity, meaning your Canadian home, savings, and other assets cannot be reached.
Close in Entity Name
DSCR loans close directly in your LLC's name — the LLC is the borrower, the property owner, and the entity on the title. This eliminates the need for personal guarantees on the property itself, and keeps your personal name off public property records.
Asset Separation
Keep each property or market in a separate LLC to isolate risk across your portfolio. If one property faces legal issues, your other investments are protected behind separate entity walls.
Canadian-Owned LLCs Welcome
Our lenders are experienced with foreign-owned LLCs and understand the unique documentation requirements for Canadian members. Canadian ownership does not prevent you from accessing the same DSCR loan products, rates, and terms available to US investors.
Full Formation Support
We connect you with cross-border legal partners who handle LLC formation, EIN application, registered agent setup, and operating agreement drafting — all completed remotely from Canada.
US Bank Account Setup
Your LLC needs a US bank account for receiving rent, paying the mortgage, covering property expenses, and managing cash flow. We provide referrals to banks experienced with foreign-owned entities.
LLC Formation & Financing Requirements
Setting up a US LLC as a Canadian investor involves a few key steps. Here is what you need and how we make the process seamless from start to finish.
Requirements
- Valid Canadian passport for identity verification.
- Chosen state of formation — typically the state where you are investing.
- Registered agent in the state of formation to receive legal correspondence.
- EIN (Employer Identification Number) from the IRS — your LLC's tax ID.
- Operating agreement defining ownership and management authority.
- US bank account opened in the LLC's name.
- Minimum 25-30% down payment sourced from your Canadian bank account.
How We Help
- Our partners handle LLC formation, EIN, and operating agreements remotely.
- We help choose the optimal state based on your strategy and asset goals.
- We provide referrals to US banks that accept foreign-owned LLCs.
- We ensure LLC documents meet lender requirements for DSCR underwriting.
- For larger investors, we help structure multiple LLCs or Series LLCs.
- We connect you with cross-border tax accountants for dual reporting.
- Annual LLC maintenance — filings and registered agent — is handled by our partners.
Questions About LLC Financing
Everything Canadian investors need to know about US LLC ownership and entity financing.
Formation & Maintenance
LLC Basics
Banking & Taxes (Continued)
Banking & Taxes
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