How Canadians Can Finance a Florida Property
From cross-border mortgages at RBC and TD to cash purchase strategies โ a plain-English guide to your financing options as a Canadian buyer.
Read ArticleEscape the cold. Build the life. More Canadians are making the move south โ here's how to do it right.

It started in 2022. My wife and I were sitting at the kitchen table, talking about what we actually wanted our future to look like. Where did we want to retire? What did we want our lives to feel like in our 60s? The answer kept coming back to the same place. Florida.
We had always loved the Disney area. There is something about Orlando that just feels like possibility, not just the parks, but the energy, the weather, the communities. We started dreaming out loud.
But I'm a real estate agent. I don't just dream. I build plans. And so began several years of intentional preparation.
We spent time saving. We studied the Florida market intensively, learning the differences between purchasing in Canada versus the United States, understanding short-term rental regulations, exploring the best areas for property appreciation, and learning the financing options available to Canadian buyers. I wanted to know everything before I put a single dollar at risk. I also wanted my wife and I to experience the process firsthand, so that when our clients went through it, we could say "we've been there."
Finding the right partners in Florida was equally important. I didn't just want licensed agents. I wanted people who shared our values: agents who treat clients like friends, not files, agents who get to know the people they work with, understand their family goals, and genuinely care about finding the right fit. That search took time, but it was worth every minute.
In 2025, we made the leap and purchased our first revenue property in the Orlando area. Every step of that purchase, from the cross-border financing questions to the legal nuances and the property management decisions, we navigated ourselves first, on purpose.
Now I know exactly what Canadians face when they try to buy in Florida. And I have a team of Florida-based agents who share the same values I do.
This journey doesn't have to take years. With the right guide, it can start today.
You love the idea of escaping Canadian winters in your own Florida home. You want a property you can enjoy for months at a time, with the option to rent it out when you're not there.
You're looking at Florida real estate as a wealth-building strategy. Short-term vacation rentals, long-term tenants, or appreciation plays โ Florida's market offers real opportunity for Canadian capital.
You're thinking bigger. Maybe it's retirement, maybe it's a lifestyle change, maybe you're just done with the winters for good. You want to understand what a permanent or semi-permanent move actually looks like.

Start with a no-pressure Zoom call with Dave. We'll learn about your goals, timeline, and budget.
We'll walk you through financing options available to Canadians โ including cross-border mortgages and cash purchase strategies.
Orlando, Jacksonville, Tampa Bay, Fort Myers, or Miami โ each market has unique opportunities. We'll match you to the right one.
Our Florida-based agents handle the on-the-ground work. We'll set up virtual tours so you can explore properties from Canada.
We guide you through the offer process, negotiations, inspections, and closing โ with full support every step of the way.
Whether you're moving in, renting it out, or visiting each winter โ you're now a Florida property owner.
Fill out this quick questionnaire and we'll reach out within 24 hours with personalized guidance.
"Dave and his team made our Florida home purchase feel completely manageable. We'd been nervous about buying cross-border, but they walked us through every step. We closed on our Orlando condo in 8 weeks and were renting it on Airbnb within a month!"
"I'd been dreaming of a Florida snowbird property for years but didn't know where to start. The team knew exactly what questions to ask about Canadian financing and connected me with Octavius in Jacksonville. We found our perfect place in just six weeks."
"What set Dave apart was that he'd actually done this himself โ he bought his own Florida investment property before helping us buy ours. That experience shows in how he answers questions. Absolutely recommend."
"Kimberley was incredibly patient with us as first-time US buyers. She knew the Disney/Orlando market cold and helped us avoid a property with hidden HOA restrictions we would have missed. Best decision we made was using this team."
"We wanted a Tampa Bay vacation home and weren't sure if it made financial sense. Our agent ran through the numbers honestly, including the ones that weren't in our favour, and we appreciated that integrity. Ended up buying and we couldn't be happier."
Local expertise. Canadian understanding.

Dave is a Lloydminster-based Realtorยฎ with a personal investment portfolio in Florida. He bridges the gap between Canadian buyers and the Florida market, bringing cross-border experience that's hard to find.

Octavius is a Florida-based agent with deep roots in the Orlando and Jacksonville markets. He brings local knowledge, market expertise, and a commitment to finding the right property for every buyer.

Milette brings a client-first approach to every transaction. With extensive experience in Florida real estate, she's an invaluable part of the team for buyers at every stage.

Kimberley's passion for helping people find their Florida home shines through in every interaction. She's known for her thoroughness, warmth, and deep knowledge of Florida communities.
Book a free 15-minute Zoom call with Dave. No pressure, no obligation โ just clarity.
Book a Free Zoom ConsultationFrom cross-border mortgages at RBC and TD to cash purchase strategies โ a plain-English guide to your financing options as a Canadian buyer.
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