U.S. Investing for Canadians

Investing in U.S. real estate as a Canadian doesn’t have to be complicated. We help Canadians confidently invest in the United States with clear guidance on financing, ownership considerations, and the unique requirements that can apply to foreign-national buyers. From first-time buyers to experienced investors, we help simplify the process, identify important cross-border considerations, and connect you with qualified professionals when specialized tax or legal advice is required—so you can build your U.S. real estate portfolio with greater clarity and confidence.

Border, Visa & Residency Guidance

U.S. entry and residency rules can be confusing, and the amount of time you spend in the United States can have both immigration and tax consequences. SFC provides general information on common visa and admission categories, typical periods of stay, and how U.S. day-counting rules work for Canadians. We also explain the important difference between how U.S. Customs and Border Protection and the Internal Revenue Service calculate your time in the United States. When legal or immigration advice is required, we can connect you with a qualified professional.

Cross-Border Financing

Investing in U.S. property doesn’t have to be complicated for Canadians. From using Canadian home equity to exploring U.S. mortgage options, SFC helps you compare financing strategies and understand the cross-border considerations involved. We provide practical guidance and hands-on support so you can make informed decisions throughout the process.

Managing Currency Exchange Costs

Currency exchange costs can vary significantly depending on the provider, exchange rate and fees. Comparing your options before converting Canadian dollars to U.S. dollars can help reduce unnecessary costs, particularly on larger property transactions. SFC can help you understand the available options and connect you with competitive currency-exchange providers.

Ownership & Legal Considerations

Ownership structures: The way you hold U.S. real estate can affect financing, liability, taxation and estate planning. Canadians should review ownership options with qualified cross-border legal and tax professionals before purchasing.

Reporting requirements: Canadians may be asked to complete forms such as Form W-8BEN to certify foreign status or claim treaty benefits. Other U.S. tax or reporting requirements may apply depending on your residency status, ownership structure and investments. IRS

Estate tax considerations: U.S. real estate is generally considered U.S.-situated property for estate-tax purposes when owned by a nonresident who is not a U.S. citizen. Treaty provisions and the owner’s overall estate can materially affect the result.

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Ownership Structure

Choosing the right ownership structure can impact taxes, liability, and estate planning. We guide you through the options to help you select the structure that best fits your situation.

Taxation

Canada and the United States have a tax treaty. However, if you are not prepared or well advised you will pay more than you need to. Key tax considerations include:

Income taxes: The U.S. taxes non-resident investors on U.S.-sourced income (rent, dividends, capital gains).
Withholding tax: U.S. often withholds 15–30% on dividends or rental income unless a treaty applies.
Canadian taxes: Canada taxes worldwide income, but you can usually claim a foreign tax credit to avoid double taxation.
FIRPTA: If selling U.S. real estate, 15% of the sale price may be withheld for tax purposes.