Not totally true.
Some manufacturers have programs specifically for expats. There are caveats/requirements and you may not necessarily meet them but it’s worth a look. Take a look at VWs program below. VW also used to have a program for canadian national awhile ago, too. They would pull Canadian bureau and base your approval off of that but not sure if that is still running Sorry if I was too late to help!
https://mydigimag.rrd.com/publication/?i=489950#{"issue_id":489950,"page":0}