EP425 How Canadians Can Get U.S. DSCR Loans for Real Estate Investing with Brad Beauchamp

Brad Beauchamp, a Canadian mortgage broker based between Vaughan and West Palm Beach, joins Glen Sutherland to explain how Canadians can finance U.S. real estate investments using DSCR loans and cross-border lending strategies. Brad shares his own immigration journey from obtaining an L1 executive visa to eventually becoming a U.S. citizen, before diving into the opportunities available for Canadian investors south of the border. The conversation highlights how DSCR (Debt Service Coverage Ratio) loans allow investors to qualify based primarily on a property’s cash flow instead of personal income or employment verification, making it easier for Canadians to scale portfolios in markets like Florida, Ohio, Texas, and Alabama. Brad explains that while Canadians can secure financing without U.S. credit history, investors with U.S. tax IDs, entities, residency ties, or established FICO scores can often access lower rates and better leverage. The episode also focuses heavily on structuring and protecting investments properly when buying U.S. real estate. Brad and Glen discuss the importance of setting up U.S. LLCs, understanding cross-border taxation, using professional advisors, and avoiding common mistakes such as holding properties personally instead of through entities. They explain hidden costs Canadians often overlook — including underwriting fees, loan origination fees, title fees, prepayment penalties, and refinancing costs — while emphasizing that proper planning can save investors significant money long term. The discussion covers partnerships with Americans, refinancing strategies, seasoning periods, and how the larger U.S. market creates more financing flexibility and opportunity than Canada. Overall, the interview serves as a practical guide for Canadians who want to leverage U.S. financing, build cash-flowing portfolios, and avoid costly structural and lending mistakes. Find out what type of US real estate investment would fit you best at: https://acanadianinvestingintheusa.com/QUIZ