U.S. Investment Consulting for Canadians

Investing in U.S. real estate as a Canadian doesn’t have to be complicated. We specialize in helping Canadians confidently invest in the United States by providing clear guidance on financing, cross-border structuring, and the unique rules that apply to foreign nationals. From first-time buyers to seasoned investors, we simplify the process, remove uncertainty, and help you make smart, compliant investment decisions—so you can grow your U.S. portfolio with clarity and confidence.

Border and Immigration

Visa requirements are confusing. Your length of stay has implication and overstaying can have consequences. SFC provides information on the differences between each visa, the length of stay each visa will allow Canadians, and how to calculate your length of stay. In addition, U.S Customs and Border Protection calculates your stay different from the Internal Revenue Service (IRS).

Financing

Investing in U.S. property doesn’t have to be complicated for Canadians. From using Canadian home equity to exploring U.S. financing options, the right structure makes all the difference. SFC offers strategic guidance and hands-on support to help you make informed decisions every step of the way.

Currency Exchange

You will save thousands by choosing the right time and location to exchange your money. The big banks make top dollar on your money when exchanged. There are better and cheaper options available.

Legal Considerations

Ownership structures: Canadians sometimes use LLCs or corporations for U.S. real estate to simplify estate planning and limit liability.
Reporting requirements: Form W-8BEN (for investment accounts) and possibly FBAR/IRS forms if you hold large U.S. accounts.
Estate tax exposure: U.S. estate taxes can affect Canadians owning U.S. real estate or investments above certain thresholds

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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.