Financing has historically been a hurdle for Canadians investing in the U.S.—but 2025 offers more options than ever.
Cross-Border Lenders
Several U.S. banks and private lenders now cater specifically to Canadians. Expect down payments of 25–35% and interest rates slightly higher than U.S. residents.
Partnership Structures
Some investors choose to partner with U.S. residents, giving them access to conventional financing while structuring ownership to remain compliant.
Creative Financing
Private lending, seller financing, and joint ventures are increasingly popular. These options can reduce barriers to entry while allowing Canadians to compete in competitive markets.
Key Considerations for 2025
Interest rates remain elevated compared to pre-2020 levels, making underwriting and cash flow analysis more important than ever. Ensure deals work even with conservative financing assumptions.
Financing U.S. property is no longer a roadblock—it’s simply about choosing the right structure and lender for your goals.