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.
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No US credit required
Qualify on Canadian credit history and property cash flow through foreign-national DSCR lenders.
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5-business-day approval path
Complete docs in → we deliver a lender decision path or a precise checklist of what is still needed.
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All 50 states
Single-family, small multi, STR, and LLC closings across the US Sunbelt and Midwest cash-flow markets.
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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
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1. Strategy call
Share the market, property type, down payment, and timeline. We map the right DSCR or foreign-national lane.
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2. Complete file pack
ID, Canadian credit authorization, entity docs (if LLC), purchase contract or refinance package, and rent support.
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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.
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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.
FAQ
Browse our most frequently asked questions below.