Cash Flow Gold offers a rent-to-own solution for clients who have been declined financing. Brokers can refer declined clients to the program and earn fees without much paperwork. The rent-to-own program allows clients to rent a home with an option to purchase it after 2 years, with 20% of rent payments credited towards the down payment. To qualify, clients must have sufficient income to cover rent and have a minimum 5% security deposit. Brokers should submit client files including application, credit report, income documentation, and notice of assessment for review.

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2. With strict approval guidelines and lenders tightening
their belts, it's becoming increasingly more difficult to
get clients approved.
Gone are the days when only the irresponsible were
unable to obtain financing.
These days, those with high income, those new to
USA, and even entrepreneurs feel the wrath of the
stringent financing qualifications.
Times are Tough
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3. Do these clients deserve to fall through the
cracks, while leaving you with nothing to show for
your efforts?
Cash Flow Gold Is Your Solution!
•No longer will you need to let another valuable client
leave unsatisfied.
•No longer will you spend hours upon hours on a
client only to end up getting zero for your efforts!
Throwing Declined Tenants a Lifeline
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4. Cash Flow Gold is a Australian company
that offers rent to own solutions for both renters
who are passionate about becoming home owners, and
the brokers who fight to fulfill their dream.
In 2006, Realtor Alex Kluge (top right), MBA and Broker
Guy Lew (bottom left), AMP identified a hole in the
industry – a hole that was only getting larger as time
went on.
The market was saturated with smaller, local lease
players, but there was no company with the kind of
reputation and clout needed to fill the ever-increasing
demand for a national rent to own option.
Who is Cash Flow Gold?
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5. We are a people driven company governed by those values
that best serve our future Cashflow, our investors and our
team of brokers.
We are well aware others have copied our business
model, but we continue to lead and thrive in this industry
because our values are what set us apart.
The model does not work without a value based philosophy
behind it and a commitment to not only uphold those
values but truly live them.
We pride ourselves on being the standard for this industry.
What is Cash Flow Gold?
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6. What’s in it
for you!
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7. • You have a solution to your clients problems when
other brokers and banks don’t even know that this
type of quality program exists
• Your client benefits over long term since their credit
is slowly being rebuilt so they then quality for that
traditional mortgage
• You create additional income when, in the past, these
declined deals didn’t get you paid
Why it makes sense to work with us?
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8. •You get paid top fees without jumping through hoops
and fewer documents to submit.
•We pay 100 bpsfor every client who does a
rent to own deal with Home Owner Soon
IT JUST DOESN’T GET ANY
BETTER THAN THAT!
How we will compensate you
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9. NO THERE ISN’T.
You can send as many as you have at any time, PAST
or PRESENT.
How great is that?
Is there a limit to the number of clients
you can send us?
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10. Sounds great
but how does
it all work?
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11. Rent to own is also commonly referred to as Lease to
own. The terms are interchangeable.
Rent to own is a lease agreement between the owner
of the property (the lessor who is a Cash Flow Gold
investor) and the tenant owner (the lessee) .
Leases are agreed upon by both parties and the lease
payments are paid monthly over the lease term-
generally 2 years.
Rent to own explained
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12. Option Credits…
A set portion of the lease (20%) is credited towards
the down payment and later used to purchase the
home at the end of the lease term. This is
accomplished through the monthly option credits.
Security Deposit…
The tenant-owner is required to bring in a minimum
security deposit of 5% which is held by the lessor with
no obligation to pay interest.
What are option credits and security deposits?
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13. Your client chooses the property they want, within the
amount they have been approved for.
Unlike some rent to own set ups, they are not forced
to choose from a few homes. They can pick any
affordable home they want, in any area that best suits
them.
This means the house they loved and were initially
declined for from the bank could be theirs after all.
Where does the property come from?
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14. There are two sides to Cash Flow Gold
So who buys the house?
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Investor
Cash
Flow
Gold
Tenant-
Owner

15. Cash Flow Gold essentially sits in the middle, with
our eager investors on one side and our eager tenant
owners on the other.
When your client, which you have referred to us, finds
that dream home they are looking for, they let us
know.
We then tap into our database and offer the deal to one
of our savvy investors. The investor that scoops up
the deal then purchases the home in question and the
lease to own agreement then kicks in.
So who buys the house? continued...
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16. The lessee has the option to fulfill the purchase at the
end of the term. A sale or transfer price is set at the
beginning of the lease based on realistic
appreciation rates for the area in question.
The lessee also has the option to walk away
from the purchase at the end of the lease.
Doing so however, would mean the forfeiting of all
monthly credits accumulated and the entire security
deposit to the lessee.
What happens when the lease is up?
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17. Tell me more
about the
tenant?
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18. • Low beacon score due to
late payments, collections
and judgment.
• Absence of established
credit (beacon R or I).
• Bankruptcy and
consumer proposal.
• Non-renewable
mortgage, or deals that are
pushed into power of sale.
What conditions make someone suitable
for rent to own?
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• Business for
self, commission or cash
business that has
insufficient business
history to qualify with
CMHC.
• Current income shy to
qualify under TDS
rules, but expect income
to rise significantly
higher due to the nature
of the job

19. • GDS is 30% based on combined monthly income
• Gross Annual Income / 12 Months x (.3) =
Maximum Lease Payment
• Lease Payment / (.009) = Maximum House Value
Tenant Can Be Qualified For
For example…
Income = $60,000 /12 = $5,000 x (.3) = $1,500/ (.009)
Maximum Purchase Price =$166,667 or $170,000
How we calculate their purchase price
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20. Income is King!
They need to have a sufficient income to be able to
cover the monthly rent plus the monthly option
credits.
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21. Why might a
deal be
declined?
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22. •Lack of security deposit; a minimum deposit of 5% is
required since this is the foundation for the down
payment in the future.
(Note: deposits can go up due to type of employment, property
location, and extent of credit bruising.)
•Property values priced beyond what the lessee could
afford.
Continued…
Things that can decline a deal
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23. • Location is too rural and not marketable if it is in the
middle of nowhere.
• Property is too specialized like cottages or mobile
homes.
• Property is in disrepair with such things as roofing or
foundational issues or outstanding work orders.
• Type of employment is too unstable
ie. industries that are currently in jeopardy.
Other factors for deal declines…
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24. What We Are
Looking For
In A File
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25. For successful Australian , the some of the following
documentation is required…
•Application
•Credit bureau
•Job Letter
•Pay stubs
•Notice of Assessment (most current year)
•T4 (last 2 years)
What we require for file submission
25©Home Owner Soon, 2006-2009

26. How to
submit a file
26©Home Owner Soon, 2006-2009

27. If you have a deal to send our way, please submit to…
Jason Simpson
information@cashflowglod.com.au
02 64943303
Got a deal to send
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28. Hopefully, you now see the tremendous potential our
program has for both you and your clients.
Please don’t hesitate to contact us if you have any
questions.
We look forward to working with you in the very near
future.
Sincerely,
The team at Cash Flow gold
We looked forward to working with
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