American DSCR lending asks one question: does the property's rent cover its payment? No Canadian income documents, no U.S. credit history — just this arithmetic. Run it before writing the offer.
How the desk places these files: the cross-border desk.
✓ Verified math — the arithmetic on this page is proven against independent reference calculations; the proof is printed near the bottom.
U.S. DSCR pricing moves with leverage and coverage — quoted per file. This input is for scenario-testing.
Interest-only lowers the payment, which lifts the coverage ratio — a standard tool on tighter files.
1.00 is the standard bar; some programs flex to about 0.80 case-by-case.
If the coverage works, the rest is packaging — and pre-approval letters on these programs can move in about a day. That part is the desk's job.
Arrange a confidential introductionRamin Hallaji, Principal — licensed in British Columbia (BCFSA) and Alberta, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca
Illustration only — not an offer of financing and not advice; all figures in U.S. dollars. Coverage here is computed conservatively as rent ÷ (loan payment + taxes, insurance and HOA); some lenders test rent against the loan payment alone, which flatters the ratio — we model the stricter test so surprises run in the client's favour. Principal-and-interest payments use the standard U.S. 30-year fixed formula (monthly compounding). Program availability, leverage, coverage flexibility and pricing vary by lender and file and are confirmed per file; closing in an LLC and U.S. tax treatment (including cross-border wrinkles for Canadian owners) belong with the client's cross-border accountant. Private Wealth Financing arranges mortgage financing only; U.S. mortgages are originated by U.S.-licensed lenders.