Typical hard money lender here is probably 8-12 percent and 2-4 points.I’ve been approached for private money at 10 percent and 2-3 percent origination.You will need better financing terms or find a way to earn/save more money for this to work.Someone who may be helpful as I believe he’s a “former” (having immigrated) Canadian is Omar Khan .

Whereas I used to be focused on returns, I’m now thinking more about risk management (likely a combination of age and being Canadian :) ).

As a result, my team and I have entered the United States real estate market as Canadian investors.I'd be interested in hearing the perspectives of fellow Canadian investors.

Every story / transaction is different but here are some general guidelines.Most banks will look at your global cash flow and take your primary and other sources of income (as well as other liabilities) into consideration.Most non-bank lenders will look at the subject property’s cash flow available for debt service to determine how much of a loan that property would support.

Canadians should never use LLC's unless they are setup properly (within a more complex web of entity structuring), as this when you can be double taxed.

unfortuantly  this is not the way the wholesaling is done in the US.. its a add for the home with pictures etc.. and its the wholesaler not divulging up front they are simply a middle man they represent themselves as the end buyer.but I think we have bashed this enough.. it would be great if the Canadian laws were implemented here and I would be doing that all day long.. 

You're correct that the K-1 hides the details, but generally the bank will ask for the form 1065 - Partnership return thus providing the details.As far as DTI, with recourse commercial loans the banks use something called Global Debt.

Comparing to Canadian home buying process where you can see documents before even making an offer, it makes no sense whatsoever to me.Basically, I need to make an offer blindly, then spend money on inspection, only to find out that I am paying $495 for hardly any benefits, and that their financials are weak etc...

Selling ALL of my Canadian real estate before the inevitable ensuing downturn.  

With millions of renters staring down evictions during the global health crisis, the Centers for Disease Control and Prevention extended its nationwide ban on evictions until June 30.