If you’re a Canadian investor who’s ever dreamed of owning a home under the California sun, from the beaches of Malibu to the buzzing streets of San Diego, you’re not alone. California has long captured the imagination of international buyers, especially those from Canada, thanks to its mix of lifestyle appeal, consistent property appreciation, and proximity to home.
But let’s be honest — financing a property across the border can feel like navigating a maze. Most U.S. banks require things you may not have: a local credit score, residency, or a U.S. tax return. That’s where America Mortgages makes all the difference. Their team specializes in U.S. mortgages for non-residents, helping Canadians secure homes and investments in California without unnecessary roadblocks.
Why California Is a Prime Market for Canadian Investors
California’s real estate market has always been one of the strongest in the U.S., offering a perfect blend of growth, stability, and opportunity. Here’s why Canadians continue to make it their top U.S. investment destination:
- Close Proximity and Economic Synergy
Flights from Vancouver or Toronto to Los Angeles or San Francisco take just a few hours, and the economic relationship between the U.S. and Canada makes owning property across the border surprisingly manageable. - Long-Term Property Growth
Cities like Orange County, San Diego, and San Francisco have shown consistent appreciation for decades. California’s limited housing supply ensures property values stay strong — even during market fluctuations. - Strong Rental Market
Vacation homes in Palm Springs, short-term rentals in Los Angeles, and student housing near top universities all perform well. For Canadians seeking cash flow rentals or Airbnb investments, the demand is steady year-round. - Diverse Lifestyle and Global Economy
Whether it’s for income, relocation, or family, California’s world-class education, business opportunities, and weather make it a sound investment and a lifestyle upgrade. - Full Legal Ownership Rights
Foreigners buying property in the U.S., including Canadians, enjoy the same property rights as American citizens, offering long-term security and peace of mind.
Property Uses for Canadian Investors
Canadian buyers invest in California for many reasons — and the state’s versatility makes it even more appealing. Common property uses include:
- Investment Properties for long-term appreciation and rental income
- Short-Term Rentals / Airbnb Homes in tourism-driven markets
- Cash Flow Rentals for stable monthly income
- Second or Vacation Homes for personal use and seasonal living
- Student Housing Near Universities such as UCLA or Stanford, perfect for families with children studying in the U.S.
- Corporate or Relocation Housing near major business hubs
- Pied-à-terre Residences — smaller city apartments for regular visits
- Residency & Lifestyle Properties, ideal for those planning to relocate later
Each of these options supports real estate investment in the U.S. for foreigners while allowing flexibility for lifestyle and financial goals.
Types of Property Available
California’s diverse housing market gives investors from Canada plenty of options to match their strategy:
- Single-Family Homes – Perfect for long-term tenants and family use
- Condos and Apartments – Low-maintenance and ideal for city investors
- Townhouses and Multiunit Properties – Great for scalable cash flow
- Luxury Homes and Mansions – High-end investments in Beverly Hills or Malibu
- Resort Condos and Hotel Residences – Professionally managed for passive income
Financing Options for Canadian Non-Residents
Getting a U.S. mortgage as a Canadian non-resident is easier than most think — if you work with the right lender. America Mortgages offers a variety of programs designed specifically for international investors:
- Purchase Loans – For acquiring investment, vacation, or second homes
- Refinance Loans – To improve loan terms or access better rates
- Cash-Out & Equity Release Loans – Unlock property value for reinvestment
- Bridging Loans – Ideal for transitions between buying and selling
- DSCR Loans (Debt Service Coverage Ratio) – Qualify using rental income instead of personal income
Most programs offer up to 75–80% loan-to-value (LTV).
- Foreign Nationals: minimum 25% down
- U.S. Expats: as little as 20% down
All without needing a U.S. credit score or local income verification.
Down Payment, Documentation & Credit Requirements
You don’t need a U.S. financial footprint to get started. Here’s what most Canadian buyers provide:
- Passport or government-issued ID
- Proof of funds for the down payment and closing
- Canadian bank statements or investment accounts
- Proof of income or self-employment (when required)
Pre-approval from America Mortgages gives you a clear view of your buying power and makes your offer stand out in California’s competitive real estate market.
The Buying Process for Canadian Investors
The process of buying property in California as a non-resident from Canada is simpler than many expect. With digital tools and expert guidance from America Mortgages, most transactions can be completed remotely.
- Pre-Approval
Get pre-qualified for a U.S. mortgage for foreign nationals through America Mortgages. This establishes your loan eligibility and strengthens your offer. - Property Selection
Partner with a California-based realtor experienced in working with international buyers. Identify investment properties that fit your objectives — rental yield, vacation use, or long-term growth. - Offer & Due Diligence
Once your offer is accepted, inspections, appraisals, and necessary paperwork follow. - Closing & Funding
America Mortgages facilitates a seamless remote closing process, often within 30–45 days. Documents and funds are handled securely online, eliminating the need for travel.
This streamlined approach enables Canadian investors to purchase California property from the comfort of their own homes with complete confidence.
Tax & Legal Considerations
Owning property in California comes with straightforward tax obligations on rental income and potential capital gains, but nothing to worry about.
Thanks to the U.S.–Canada tax treaty, most investors avoid double taxation and can even claim deductions for mortgage interest, maintenance, and depreciation. America Mortgages works alongside trusted cross-border tax professionals to help you stay organized, compliant, and confident in your investment.
Why Work With America Mortgages
Buying real estate abroad can feel complex, but it doesn’t have to be. Many Canadians struggle with traditional lenders that simply don’t understand international financial profiles.
America Mortgages was built to change that. With over 50 years of combined experience, they offer:
- 100% focus on non-resident and expat U.S. mortgages
- Global underwriting that accepts international income and assets
- A seamless digital application and closing process
- Full guidance from pre-approval to funding
Whether you’re purchasing a vacation home, a rental property, or building a U.S. portfolio, America Mortgages gives Canadians the clarity and confidence to move forward. Get in touch now at [email protected] or call us now at +1 (845) 583-0830 to learn more.
Frequently Asked Questions
Q1: Can Canadian buyers get a U.S. mortgage without U.S. income or credit history?
A: Yes. America Mortgages allows Canadian investors to qualify using their Canadian income, assets, and financial documents. U.S. credit or residency is not required.
Q2: What is the minimum property investment amount for Canadian non-residents?
A: There’s no strict minimum, but most Canadian investors finance properties starting around US$250,000 and above, depending on loan type and property use.
Q3: Can Canadians manage California properties remotely?
A: Absolutely. Many property management companies in California specialize in assisting overseas owners — handling everything from tenant placement and rent collection to maintenance and tax filings.
