The Client
A Canadian couple based in Vancouver wanted to diversify their investments with stable, long-term rental properties in the U.S. While they had strong income and assets in Canada, they were repeatedly rejected by both Canadian and U.S. banks due to a lack of U.S. credit history.
How We Helped
Our America Mortgages loan officer helped them secure financing for their first long-term rental property in a growing market just outside Orlando, Florida. The couple qualified under our foreign national loan program using their Canadian income and asset documents. After 12 months of steady cash flow and appreciation, they refinanced the property and used the equity to acquire two more long-term rentals in Tennessee and Texas.
This structured portfolio approach allowed them to scale with confidence — all without ever needing a U.S. credit score.
Loan Details
| Nationality | Property Value | Loan Amount | LTV | Rate |
| Canadian | $450,000 | $337,500 | 75% | 8.125% |
| Term | Address | Property Type | Purpose | Loan Type |
| 30 Year Fixed | Orlando, FL | Single-Family Rental | Purchase | Residential |
