A Game-Changer for Foreign Investors and E2 Visa Holders

Canadian investors dreaming of U.S. real estate success? E2 Visa applicants aiming to build a profitable property business? Monarch Equity Partners in Scottsdale, Arizona, has great news! On May 27, 2025, they launched a Debt Service Coverage Ratio (DSCR) loan program for Canadian investors, including E2 Visa holders. This financing option simplifies your U.S. real estate journey. Here’s why it matters.

What Are DSCR Loans?

DSCR loans are non-qualified mortgage (non-QM) loans for real estate investors. Unlike traditional mortgages requiring personal income proof or U.S. credit scores, DSCR loans focus on a property’s rental income. The Debt Service Coverage Ratio divides monthly rental income by monthly mortgage debt (principal, interest, taxes, insurance, association dues, or PITIA). A DSCR ratio of 1.0 or higher shows the property covers its debt. This makes it low-risk for lenders and flexible for investors.

Why DSCR Loans Suit Canadian Investors

Entering the U.S. real estate market can feel complex for Canadians. Traditional lenders often demand U.S. credit scores or detailed income records. These can be hard for foreign nationals to provide. Monarch’s DSCR loans remove these obstacles by prioritizing property cash flow over personal finances. Whether you want a single-family home in Arizona, a multi-family unit in Florida, or a short-term rental in Texas, these loans help you grab opportunities in high-demand U.S. markets.

Support for E2 Visa Holders

Are you a Canadian applying for or holding an E2 Visa? This program is for you. The E2 Visa lets you live and work in the U.S. while managing a business investment. Real estate qualifies as an active business, like managing rentals. Monarch’s DSCR loans align with E2 Visa needs, letting you buy income-generating properties to meet investment and visa goals. Loans can be issued to an LLC, protecting personal assets and simplifying visa-related business setup.

Benefits of Monarch’s DSCR Loans

Why are Canadian investors excited about this program? Here’s why:

  • No U.S. Credit Score Required: Loans depend on property rental income, not U.S. credit history.

  • Flexible Property Types: Buy single-family homes, multi-family units, or short-term rentals like Airbnb.

  • Streamlined Process: Less documentation and faster approvals than traditional loans.

  • LLC-Friendly: Loans can be in an LLC’s name, aligning with E2 Visa needs.

  • Competitive Terms: Down payments as low as 20% with flexible terms.

A Real-Life Success Story

A Canadian couple applying for an E2 Visa wanted a $650,000 multi-family property in Scottsdale. Traditional lenders rejected them for lacking a U.S. credit score. Monarch offered a DSCR loan with a 25% down payment ($162,500) and a 7.5% fixed rate over 30 years. The property’s rental income gave a DSCR of 1.3, ensuring cash flow and supporting their visa application. Monarch helps investors succeed daily!

Why Choose U.S. Real Estate?

The U.S. real estate market, worth $2.53 trillion, far exceeds Canada’s $27 billion market. It offers huge growth potential. Arizona (14% of Canadian investments in 2023) and Florida (55%) are hotspots due to strong rental demand and property value growth. For E2 Visa holders, these markets build wealth and meet visa requirements through active property management.

How to Get Started

Ready to begin? Monarch makes it simple:

  • Choose a Property: Find a cash-flowing rental in markets like Arizona, Florida, or Texas.

  • Gather Documents: Submit a Canadian passport, rental income proof, and property details. E2 Visa applicants may need visa documents.

  • Set Up an LLC: Monarch’s Investor Kit simplifies creating a U.S. LLC and bank account.

  • Apply for the Loan: Work with Monarch’s loan officers for a fast application.

  • Close the Deal: Finish appraisal, underwriting, and closing in about 30 days.

Build Your U.S. Portfolio Now

Monarch Equity Partners empowers Canadian investors and E2 Visa holders with innovative financing. Their DSCR loans open the U.S. real estate market without typical barriers. Ready to start?  CLICK HERE to explore options and connect with Monarch’s experts.