What the U.S. Slow Flip Strategy Is

The U.S. Slow Flip Strategy is a disciplined, risk-controlled real estate investing model engineered specifically for Canadian investors looking to build predictable, long-term wealth in the United States. This approach involves purchasing distressed, low-cost residential properties using short-term borrowed capital (typically amortized over 5 to 7 years) and immediately reselling those properties "as-is" to a homebuyer using long-term, 30-year seller financing. Depending on the state where the property is located, the transaction is structured using a Contract for Deed, Agreement for Deed, or Land Contract.

As the investor, you do not act as a landlord. You act as the bank. You offer the occupant a mortgage, transferring all ongoing property maintenance, repairs, and day-to-day management responsibilities to the buyer at the time of sale. Properties are strictly sold in as-is condition; no costly or unpredictable renovation, construction, or cosmetic improvement work is ever performed.

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The Core Lifecycle

Phase 1: Capital Sourcing – Secure short-term financing terms before acquiring the asset.

Phase 2: Property Acquisition – Purchase a deeply discounted, distressed property at a low entry price.

Phase 3: Resale Preparation – Rapidly list and position the property to minimize holding time.

Phase 4: Sale with Seller Financing – Sell to an occupant via land contract, collecting a down payment and establishing a monthly payment structure.

Phase 5: Debt Repayment Period – During the first 5 to 7 years, incoming buyer payments service the original acquisition loan, insurance, and taxes, resulting in net-neutral early cash flow.

Phase 6: Post-Repayment Income Period – Once the acquisition loan is fully retired, the private lender payment disappears. The remaining 23+ years of monthly principal and interest payments become pure, predictable income.

Phase 7: Capital Recycling – Reinvest recovered capital into subsequent deals to scale the portfolio sequentially.

Module 1: Market Analysis & Remote Evaluation

Orientation and Mindset – Establishing strict boundaries of the model, setting multi-year expectations, and executing proper risk posture to manage downside volatility from Canada.

U.S. Market Selection Filters – Applying standard baseline deal models to screen and narrow down candidate states based on favorable seller financing laws, rapid foreclosure/eviction timelines, and deep property inventory.

Workable Starting Points – Operational frameworks for executing transactions within historically proven slow-flip states, including Illinois, Missouri, Alabama, Indiana, Pennsylvania, Arkansas, Ohio, Georgia, Michigan, and Virginia.

The 200-House Rule – Leveraging data export tools (Zillow data extraction) and spreadsheet formulas to clean, filter, and analyze hundreds of historical sales comps to identify strict baseline market pricing.

Module 2: Defining the Financial & Physical Asset Avatar

Sales Comparables (Comps) – Establishing defensible estimates of as-is value using relative property location, square footage, and age filters via tools like Propwire to ensure you never overpay.

Rental Comparables – Evaluating local rental listing bands to guarantee that your intended monthly occupant payment matches or stays below local market rent, mitigating long-term default risks.

The Physical Property Profile – Screening out uninsurable assets by filtering for critical physical basements/garages, strict post-1940 construction years, functional furnaces, working water heaters, intact subfloors, and leak-free roofs.

Environmental & Neighborhood Filters – Using online mapping software to eliminate high-risk flood zones and utilizing visual criteria to screen out active war zones or immediate neighboring structural abandonment.

Module 3: Assembling the Cross-Border Core Team

The Volume Realtor – Sourcing and managing tech-savvy realtors comfortable executing non-standard, low-commission, high-volume distressed transactions without binding exclusivity contracts.

Off-Market Wholesalers – Evaluating off-market property inventory, assignment contract transparency, and underlying pricing margins.

Local Boots on the Ground – Hiring, coordinating, and compensating local independent field contacts to complete physical walkthroughs, install lockboxes, deploy security cameras, and deliver physical notices.

Closing and Transaction Administration – Partnering with localized title companies experienced in installment contracts, remote online notaries utilizing biometric identity checks, and dedicated property insurance agents.

Module 4: Cross-Border Corporate Structuring & Tax Flow

The Four-Tier Entity Structure – Establishing an authorized ownership chain engineered specifically for Canadian non-residents to limit personal liability and manage passive tax exposures.

U.S. Limited Partnership (LP) – Configuring the central investment vehicle designed to aggregate economic results without buying real estate directly.

Double C-Corporation Layers – Incorporating a 99% Limited Partner C-Corp to isolate passive income, paired alongside a 1% General Partner C-Corp to maintain management control inside an entity rather than an individual.

U.S. Operating LLC – Constructing state-specific, asset-holding companies to hold property titles, open U.S. commercial bank accounts, pay local expenses, and receive occupant mortgage payments.

The Canadian Repatriation Loop – Creating a clean, auditable flow of funds back to Canada.

Module 5: Transaction Math & Capital Sourcing

Sourcing Private Capital – Building access to individual private lenders, leveraging personal lines of credit safely, and navigating organized lending networks like the Private Money Club.

The Slow Flip Math Model – Analyzing live case studies (e.g., executing a $30,000 asset acquisition at a 13% interest rate over a 5-year lender amortization schedule).

Owner-Financing Economics – Structuring a $89,000 resale agreement at a 10.5% interest rate over a 30-year amortization schedule to map how the $815 monthly occupant payment directly covers the underlying $683 private loan.

Usury Compliance – Structuring contract interest rates and down payments dynamically to strictly comply with individual state interest limits.

Module 6: Property Acquisition, Preparation, & Closing

Making Firm Offers – Coordinating due diligence timelines, reviewing underlying titles, and managing escrow requirements with title companies.

The Transition Window – Controlling temporary utility connections, property upkeep, and stabilization parameters while transitioning from vacant status to active marketing.

Buying Vacant vs. Tenant-in-Place – Analyzing the inherent risk profiles, transition strategies, and legal realities of acquiring raw vacant assets versus existing tenant structures.

Module 7: Marketing, Occupant Screening, & Long-Term Notes

Seller-Financing Marketing – Positioning the property as an owner-financed homeownership opportunity rather than a standard rental to pull in motivated local buyers.

Rigorous Occupant Screening – Vetting income stability, criminal backgrounds, and down payment allocations to maximize retention.

Drafting the Agreements – Structuring Land Contracts, Agreements for Deed, or Contracts for Deed, including explicit clauses governing required buyer's renter insurance policies.

Note Insurance Setup – Managing the investor-carried property insurance policies to protect the physical collateral, and processing escrow calculations for local property taxes.

Note Servicing & Portfolio Management – Onboarding professional third-party U.S. note servicing companies to handle legal monthly collections, manage escrow payouts, and execute standard default remedies or title recaptures from Canada.

Sample of Included Downloadable Resources, Tools, & Templates

The Slow Flip Comprehensive Calculator (Excel/Spreadsheet/Online)
Phase 1 Sourcing Capital - Private Lender Pitch Deck (PPTX)
Private Lender Loan Agreement Template (DOCX)
Summary of Loan Documents & Title Processing Guide (DOCX)
Mortgage Agreement & Deed of Trust Framework (PDF)
Immediate Resale Preparation - Cash for Keys Agreement (DOCX)
Tenant-to-Occupant Conversion Transition Letter (DOCX)
Phase 4 Sale with Seller Financing - Agreement for Deed Contract (DOCX)
Memorandum of Land Contract Master Document (DOCX)
State-Specific Compliance Sheets & Disclosures
Property Transfer Affidavit & Lead-Paint Protection Documentation (PDF)
Ongoing Long-Term Note Management System Checklist (DOCX)

Enroll Now

A Practical Guide to U.S. Slow Flip Real Estate Investing for Canadians: Course Overview

What the U.S. Slow Flip Strategy Is

The Core Lifecycle

Phase 1: Capital Sourcing – Secure short-term financing terms before acquiring the asset.

Phase 2: Property Acquisition – Purchase a deeply discounted, distressed property at a low entry price.

Phase 3: Resale Preparation – Rapidly list and position the property to minimize holding time.

Phase 4: Sale with Seller Financing – Sell to an occupant via land contract, collecting a down payment and establishing a monthly payment structure.

Phase 5: Debt Repayment Period – During the first 5 to 7 years, incoming buyer payments service the original acquisition loan, insurance, and taxes, resulting in net-neutral early cash flow.

Phase 6: Post-Repayment Income Period – Once the acquisition loan is fully retired, the private lender payment disappears. The remaining 23+ years of monthly principal and interest payments become pure, predictable income.

Phase 7: Capital Recycling – Reinvest recovered capital into subsequent deals to scale the portfolio sequentially.

Module 1: Market Analysis & Remote Evaluation

Orientation and Mindset – Establishing strict boundaries of the model, setting multi-year expectations, and executing proper risk posture to manage downside volatility from Canada.

U.S. Market Selection Filters – Applying standard baseline deal models to screen and narrow down candidate states based on favorable seller financing laws, rapid foreclosure/eviction timelines, and deep property inventory.

Workable Starting Points – Operational frameworks for executing transactions within historically proven slow-flip states, including Illinois, Missouri, Alabama, Indiana, Pennsylvania, Arkansas, Ohio, Georgia, Michigan, and Virginia.

The 200-House Rule – Leveraging data export tools (Zillow data extraction) and spreadsheet formulas to clean, filter, and analyze hundreds of historical sales comps to identify strict baseline market pricing.

Module 2: Defining the Financial & Physical Asset Avatar

Sales Comparables (Comps) – Establishing defensible estimates of as-is value using relative property location, square footage, and age filters via tools like Propwire to ensure you never overpay.

Rental Comparables – Evaluating local rental listing bands to guarantee that your intended monthly occupant payment matches or stays below local market rent, mitigating long-term default risks.

The Physical Property Profile – Screening out uninsurable assets by filtering for critical physical basements/garages, strict post-1940 construction years, functional furnaces, working water heaters, intact subfloors, and leak-free roofs.

Environmental & Neighborhood Filters – Using online mapping software to eliminate high-risk flood zones and utilizing visual criteria to screen out active war zones or immediate neighboring structural abandonment.

Module 3: Assembling the Cross-Border Core Team

The Volume Realtor – Sourcing and managing tech-savvy realtors comfortable executing non-standard, low-commission, high-volume distressed transactions without binding exclusivity contracts.

Off-Market Wholesalers – Evaluating off-market property inventory, assignment contract transparency, and underlying pricing margins.

Local Boots on the Ground – Hiring, coordinating, and compensating local independent field contacts to complete physical walkthroughs, install lockboxes, deploy security cameras, and deliver physical notices.

Closing and Transaction Administration – Partnering with localized title companies experienced in installment contracts, remote online notaries utilizing biometric identity checks, and dedicated property insurance agents.

Module 4: Cross-Border Corporate Structuring & Tax Flow

The Four-Tier Entity Structure – Establishing an authorized ownership chain engineered specifically for Canadian non-residents to limit personal liability and manage passive tax exposures.

U.S. Limited Partnership (LP) – Configuring the central investment vehicle designed to aggregate economic results without buying real estate directly.

Double C-Corporation Layers – Incorporating a 99% Limited Partner C-Corp to isolate passive income, paired alongside a 1% General Partner C-Corp to maintain management control inside an entity rather than an individual.

U.S. Operating LLC – Constructing state-specific, asset-holding companies to hold property titles, open U.S. commercial bank accounts, pay local expenses, and receive occupant mortgage payments.

The Canadian Repatriation Loop – Creating a clean, auditable flow of funds back to Canada.

Module 5: Transaction Math & Capital Sourcing

Sourcing Private Capital – Building access to individual private lenders, leveraging personal lines of credit safely, and navigating organized lending networks like the Private Money Club.

The Slow Flip Math Model – Analyzing live case studies (e.g., executing a $30,000 asset acquisition at a 13% interest rate over a 5-year lender amortization schedule).

Owner-Financing Economics – Structuring a $89,000 resale agreement at a 10.5% interest rate over a 30-year amortization schedule to map how the $815 monthly occupant payment directly covers the underlying $683 private loan.

Usury Compliance – Structuring contract interest rates and down payments dynamically to strictly comply with individual state interest limits.

Module 6: Property Acquisition, Preparation, & Closing

Making Firm Offers – Coordinating due diligence timelines, reviewing underlying titles, and managing escrow requirements with title companies.

The Transition Window – Controlling temporary utility connections, property upkeep, and stabilization parameters while transitioning from vacant status to active marketing.

Buying Vacant vs. Tenant-in-Place – Analyzing the inherent risk profiles, transition strategies, and legal realities of acquiring raw vacant assets versus existing tenant structures.

Module 7: Marketing, Occupant Screening, & Long-Term Notes

Seller-Financing Marketing – Positioning the property as an owner-financed homeownership opportunity rather than a standard rental to pull in motivated local buyers.

Rigorous Occupant Screening – Vetting income stability, criminal backgrounds, and down payment allocations to maximize retention.

Drafting the Agreements – Structuring Land Contracts, Agreements for Deed, or Contracts for Deed, including explicit clauses governing required buyer's renter insurance policies.

Note Insurance Setup – Managing the investor-carried property insurance policies to protect the physical collateral, and processing escrow calculations for local property taxes.

Note Servicing & Portfolio Management – Onboarding professional third-party U.S. note servicing companies to handle legal monthly collections, manage escrow payouts, and execute standard default remedies or title recaptures from Canada.

Sample of Included Downloadable Resources, Tools, & Templates

The Slow Flip Comprehensive Calculator (Excel/Spreadsheet/Online)

Phase 1 Sourcing Capital - Private Lender Pitch Deck (PPTX)

Private Lender Loan Agreement Template (DOCX)

Summary of Loan Documents & Title Processing Guide (DOCX)

Mortgage Agreement & Deed of Trust Framework (PDF)

Immediate Resale Preparation - Cash for Keys Agreement (DOCX)

Tenant-to-Occupant Conversion Transition Letter (DOCX)

Phase 4 Sale with Seller Financing - Agreement for Deed Contract (DOCX)

Memorandum of Land Contract Master Document (DOCX)

State-Specific Compliance Sheets & Disclosures

Property Transfer Affidavit & Lead-Paint Protection Documentation (PDF)

Ongoing Long-Term Note Management System Checklist (DOCX)

A Practical Guide to U.S. Slow Flip Real Estate Investing for Canadians:
Course Overview