He is citizen and I only have my ITIN number.

Citizens has some decent coverage .

Let me ask you this: is it fair to require a natural-born US citizen to submit to a credit/criminal background check, but then waive that requirement for someone in the country illegally? 

One of the comments I heard is that in Florida, Citizens, the State sponsored insurance, could basically run out of funds due to the amount of damage.

It's tricky every country has its own rules, regulations, eminent domain laws, corruption sometimes, different types of property taxes and becomes challenging even if your duel citizen.

Make sure to check with a cross-border tax advisor on how this could impact your overall tax strategy.Umm I'm pretty sure the US presence test only applies to non US citizens who are actually physically present in the US for over 183 days, not for owning property. 

No, I have not heard of the need for a Canadian needing a visa to visit here, very unlikely for a Canadian citizen.

It harms American citizens and puts law-abiding small businesses at a disadvantage.

There are many programs out there for foreign investors and foreign nationals, each with its own requirements/qualificationsUnless a new rule came out in the last few weeks, I am not aware of any loan any non-US citizen can get UNLESS they have a US bank acct.

., one of the many relevant laws is Equal Housing Opportunity (EHO) which forbids discrimination on many bases including - you guessed it - physical disability.If you intend to discriminate against a U.S. citizen who otherwise meets the income requirement you have set up in your business, you'd better be able to defend that action in front of a circuit court judge.By the way: EHO is a Federal statute.