Cross Border Mortgages for Canadians
Working for You, Not the Banks
Mortgages in the United States for Canadians Made Easy!
If you're a Canadian interested in buying U.S. Real estate—especially for investment purposes - a DSCR mortgage (Debt Service Coverage Ratio loan) may be a compelling option. Here's how it works, why it’s helpful for Canadians, and what factors to consider:
What Is a DSCR Loan?
A DSCR loan is a type of non‑Qualified Mortgage (Non‑QM) that underwrites based on the rental income of the property, not the borrower’s personal income or credit history.
Why It's Ideal for Canadians
1. No U.S. Credit history required
Traditional U.S. Mortgages often require a U.S. Credit score—something many Canadians lack. DSCR loans sidestep this requirement by focusing solely on property income.
2. Simplified documentation
You don’t need to provide complex proof of income, tax returns, or U.S. Bank statements. This streamlined process is particularly helpful for investors and retired “snowbirds.”
3. Flexible for foreign investment
These loans support foreign nationals and don’t impose immigration or residency requirements, plus they often offer up to 30-year terms.
