Multiple Units, Multiple Income Streams
Multi-family properties reduce your risk through diversified income and scale. One vacancy doesn't wipe out your cash flow. We finance everything from duplexes to 100+ unit apartment buildings for Canadian investors.
Small Multi-Family DSCR
Finance duplexes, triplexes, and fourplexes with DSCR loans — the same simple qualification as single-family properties, but with multiple income streams reducing your vacancy risk.
Apartment Building Financing
5+ unit commercial programs available for Canadian investors, underwritten on the building's Net Operating Income (NOI) rather than personal financials.
Value-Add Opportunities
Finance the acquisition and renovation of underperforming buildings to increase rents, reduce operating expenses, and refinance at the higher stabilized value.
No US Credit Required
Foreign national programs for both residential (2-4 unit) and commercial (5+ unit) multi-family properties. Your property's income drives qualification — not your personal US credit history.
NOI Analysis
We analyze the building's full financial picture — gross rental income, vacancy loss, operating expenses, and reserves — to structure the optimal financing.
LLC Entity Structuring
Close in your US LLC for liability protection, which is especially important for multi-family where more tenants means more potential exposure.
Multi-Family Financing Requirements for Canadians
Requirements vary between residential (2-4 unit) DSCR loans and commercial (5+ unit) apartment financing. Here is what Canadian investors need for each program.
Requirements
- Valid Canadian passport for foreign national identification.
- Minimum 25-30% down for 2-4 units, or 20-35% for 5+ units.
- Property must achieve a DSCR of 1.0+ (residential) or 1.2+ (commercial).
- Rent roll and operating statements for existing properties.
- US LLC formation for liability protection.
- Full operating budget for 5+ units.
- Proof of 6-12 months of mortgage reserves.
How We Help
- We analyze the deal's NOI and DSCR before you make an offer.
- We shop 2-4 unit deals and 5+ unit deals with specialized lenders.
- We coordinate LLC formation and US bank account setup.
- Our underwriting team reviews rent rolls and financials in depth.
- We structure bridge-to-permanent financing for value-add deals.
- We prepare professional investment packages for commercial lenders.
- We provide referrals to managers, tax accountants, and attorneys.
- Post-closing, we assist with refinances and portfolio scaling.
Questions About Multi-Family Financing
Everything Canadian investors need to know about financing US multi-family properties.
Getting Started
Financing Details
Operations & Strategy
Operations & Strategy (Continued)
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