Named cross-border program
US Cash Flow Program
Canadian yields are thin. US rentals still cash flow. Our named program gets Canadians financing in all 50 states with no US credit score — and a clear path to a lender decision in 5 business days.
Program promise
When your file is complete, we commit to an approval path — a clear lender decision or next-step requirements — within 5 business days. No US credit history required.
No US credit required
Qualify on Canadian credit history and property cash flow through foreign-national DSCR lenders.
5-business-day approval path
Complete docs in → we deliver a lender decision path or a precise checklist of what is still needed.
All 50 states
Single-family, small multi, STR, and LLC closings across the US Sunbelt and Midwest cash-flow markets.
Published fee card
Know the brokerage fee ranges before you start — no surprise invoices after underwriting.
US Cash Flow Program fee card
Transparent brokerage fees for cross-border DSCR and foreign-national files. Lender fees are separate and disclosed on each quote.
| Item | Range | Notes |
|---|---|---|
| Brokerage fee (US DSCR / foreign national) | 1.0% – 1.5% | Of funded loan amount; often lender-paid or borrower-paid depending on program |
| Rush / complex structuring | Up to +0.5% | Multi-entity, portfolio cross-collateral, or sub-5-day timeline requests |
| Strategy call | Complimentary | No charge for the initial portfolio and deal review |
Fee ranges are indicative for typical 1–4 unit US rental DSCR files. Exact fees are confirmed in writing before you authorize a full application. Third-party costs (appraisal, title, lender origination) are separate.
How the program works
1. Strategy call
Share the market, property type, down payment, and timeline. We map the right DSCR or foreign-national lane.
2. Complete file pack
ID, Canadian credit authorization, entity docs (if LLC), purchase contract or refinance package, and rent support.
3. 5-day approval path
We submit and return a clear path: conditional approval direction, rate/fee quote, or the exact gaps blocking a decision.
4. Close with US specialists
Josh and Chris run title, insurance, and lender conditions through closing in the property state.
US Division specialists
Cross-border files are run by dedicated US loan officers — not routed through a residential desk that has never closed a foreign-national DSCR.
Josh Bauerle
US Division Lead · U.S. Loan Officer
Licensed CPA and best-selling author with a growing rental portfolio across the U.S. Brings deep financial expertise to every deal.
Chris Micucci
U.S. Loan Officer · Cross-Border Specialist
College professor who brings an educator's approach to mortgage financing, ensuring clients understand every step.