✓ Verified math — proven against independent references and last checked September 1, 2026; the full proof is under "How this is figured," below the results.
How the desk places these files: the cross-border desk.
American DSCR lending asks one thing: 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, and if the coverage works, the rest is packaging.
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 (RECA) — a private-client desk of Mortgage Guru Financial, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca · Legal & licensing · Privacy policy
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.