Re-lo — relocation real estate platform

🇨🇦 → 🇺🇸 Cross-Border Specialty

For Canadians relocating south.

Re-lo’s cross-border lane handles the parts of the move that don’t fit on a listing page — ITIN, cross-border mortgages, FIRPTA planning, immigration counsel referrals, and the boring-but-vital banking + utility setup that turns a U.S. address into a U.S. life.

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What Re-lo handles

The Canadian-specific layer.

  • ITIN application + Canadian Certifying Acceptance Agent referral
  • Cross-border mortgage broker introductions (RBC, TD, BMO, HSBC)
  • Pre-emptive FIRPTA planning for future sale
  • T1135 foreign-property disclosure guidance
  • Canadian + U.S. dual-tax filing coordination
  • Snowbird vs. immigration-track planning (TN, E-2, O-1, EB-5 referrals)
Why Florida first

No state income tax.

Florida is the most-chosen Canadian relocation state, and it’s not just the weather. No state income tax means your Canadian foreign tax credit fully covers the federal layer on rental income — no double layer to reconcile.

Subject-to and seller-financed listings dominate our Florida inventory precisely because Canadian buyers can’t qualify for U.S. conventional loans without domestic credit history. These structures sidestep that problem.

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Cross-border FAQ

The Canadian questions.

A focused subset of our FAQ specific to the Canada → U.S. lane. The full FAQ lives at /faq.

buyingCan I buy U.S. property as a Canadian citizen?
Yes — there is no citizenship or residency requirement to own U.S. real estate. You will need an ITIN (Individual Taxpayer Identification Number) for U.S. tax filings. Re-lo's advisor network includes Canadian Certifying Acceptance Agents who can certify your passport locally so you don't have to mail it to Texas.
buyingDo I need a U.S. visa to own?
No, not for ownership. Visa matters only if you intend to live in the property full-time. Many Canadian owners begin as snowbirds (under the 182-day IRS substantial presence threshold) and transition later. Re-lo coordinates with cross-border immigration counsel for TN, E-2, O-1, and EB-5 paths.
buyingHow does cross-border financing work?
U.S. banks rarely lend to non-residents without significant friction. Re-lo's network of cross-border mortgage brokers (RBC Bank USA, TD Bank, BMO Harris, HSBC Premier) specialize in qualifying Canadians on Canadian credit history. Subject-to and seller-financed homes skip bank underwriting entirely — popular options for first-time cross-border buyers.
buyingWhat's FIRPTA and why should I care?
FIRPTA (Foreign Investment in Real Property Tax Act) requires the BUYER to withhold 15% of the gross sale price when a non-resident sells U.S. real estate. It's a prepayment on capital gains tax, not an additional tax — but it ties up significant cash until the IRS issues your refund. Plan for it before listing. Re-lo's tax advisors can pre-apply for reduced withholding via Form 8288-B.
generalWhat about Canadian tax on U.S. property?
Canada taxes its residents on worldwide income, so rental income or capital gains on U.S. property still appear on your Canadian T1. The Canada-U.S. tax treaty gives you a foreign tax credit for U.S. tax already paid, preventing double-tax. Form T1135 is required if your foreign property cost exceeds CAD $100K.
generalHow do you handle the move itself?
Re-lo coordinates U.S. banking setup, SSN/ITIN paperwork, utility activation, school enrollment, and curated neighborhood introductions. We work alongside cross-border movers (Atlas Van Lines, North American Van Lines) for the physical move. The end-state target: you arrive to keys, utilities on, and a stocked fridge.
Ready to move?

Map your move in 30 minutes.

A cross-border advisor can shortcut weeks of independent research. The call is free, and we’ll share a written plan within 24 hours covering financing, timeline, taxes, and the 3 markets that best fit your profile.

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