Real Talk With Gary - Real Estate Investing

#129: Brian Daley - Protecting Your Real Estate Investment For The Long Term On this week's show Gary chats with good friend and trusted home inspector for SmartHomeChoice, Brian Daley. Gary has personally been using Brian's/AGHI services for over 10 years. AGHI helps investors make sure they are buying the best property for them, but also protecting their assets for the long term. Brian has personally built several homes and renovated others, so he has a detailed knowledge of the inner workings of properties. During this informative and fun conversation, Brian shares some information that even Gary was unaware of about home inspections! WHAT YOU'LL LEARN: Why the outside of a property is critical for investors A review of vents, soffits, cracks, etc and their importance What types of insulation might be in a home, and are any of them harmful A discussion of mold and should you be afraid Plumbing fixtures and piping and which ones are BANNED What red flags you should be worried about The home structure and its importance What's behind the wall? And MORE! Brian's Bio Brian Daley is the President of AGHI Inc. He brings over 35 years of practical experience in marketing, client relations, education, and communication skills to the Home Inspection business. AGHI has provided residential home inspection services to owners of new homes and re-sale home buyers throughout Ontario since 2002. He works with top producing real estate brokerages providing trusted service to their agents and clients. Brian has developed and taught programs to Home Inspectors providing field training and practical communication skills training. In 2021 he launched an on-line course through his publisher Orderline designed to educate consumers, trades and designers about how to inspect a house. The credit course offers participants the perfect launch for starting a career in Home Inspection. Brian has written the book "Guide to Home Inspectors" through his publisher Orderline and he has published numerous articles in local and national print media that provide sound advice to consumers on home related items and the home inspection process. Brian has appeared as host and guest expert on numerous home related television programs on both HGTV and Investigation Discovery and is recognized as an industry leader and innovator in the field of home inspections in Canada. He is a Registered Home Inspector (RHI) member of the Provincial (OAHI) and National (CAPHI) Home Inspection associations. Website/contact info for guest Web: http://www.bookahomeinspection.com Phone: (416) 526-7482 This episode proudly sponsored by BM Select - https://bmselect.ca Are you looking to become a millionaire through real estate investing? Then BM Select is for you! BM Select has helped more people become millionaires over the past 15 years than ANY OTHER mortgage broker in Canada! BM Select focuses on working with Real Estate Investors who are looking to begin or expand their portfolio, as well as specializing in working with customers that are engaged with our host of Realtor contacts across Canada. At BM Select we offer strategic mortgage solutions with dedicated Agent Support along with leading-edge Underwriting and Fulfillment Services that allow you to sleep well knowing your mortgage transactions are being handled by top quality professionals. Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#128: Tax Strategies, Market Trends & The Life Of An Entrepreneur w/Daniel Dimanno On this week's show Gary chats with good friend and trusted accountant for SmartHomeChoice Daniel Dimanno. Daniel has experience in both the public and private accounting sectors, and has been assisting clients for many years. He counsels clients on business structure, tax strategies and good business practices that WON'T get you into trouble with tax authorities. WHAT YOU'LL LEARN: Whether you need to or should incorporate as a real estate investor If you incorporate, is the corporation's money YOUR money? How to borrow money from your corporation? How to and why you would sell your personal properties to your corporation What about dividends and profits? Why an accountant and bookkeeper are essential How to put family members on payroll Should you pay off your investment properties The difference between renovations and repairs What you CAN and CANNOT write-off Inflation right now CRA tax situations Setting up your own business And MORE! Daniel's Bio Daniel DiManno holds a wealth of experience and knowledge developed through years of working in the business and financial market place. His experience includes positions held with one of Canada's largest public accounting firms, where he worked with both large publicly traded companies and small to medium sized privately held businesses. He has experience both as a public and private accountant, working as an auditor and business advisor as well as holding accounting roles within the private sector. Daniel also has experience as an investment advisor, focusing on wealth management under the guidance and mentorship of senior investment advisors from one of Canada's top ranked investment banks. Specialties: Business Consulting, Tax Compliance, Financial Statement Preparation, Review and Audit engagement services for Manufacturing, Distribution, Real estate, property management, retail, logistics and financial services businesses. Website/contact info for guest Daniel DiManno, CPA, CA | Capstone LLP Phone: 416-551-0760 email: [email protected] Website: capstonellp.ca This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#127: (From The Archives) The Different Stages of Real Estate Investing w/Mathew Frederick On this week's show Gary chats with friend and longtime investor Mathew Frederick. Mathew has thrived in real estate in many ways, including new builds. He got his first property at age 19 (NINETEEN!) and continues to look out for deals. He's a JV master, and in this podcast he shares many of his unique strategies for creating deals! WHAT YOU'LL LEARN: How Mathew bought his first investment property at the age of 19! Why he believes commercial investors should residential, and residential should understand commercial The different stages of investing and how you transition between them How to create deals by understanding someone else's pain point The 'art' of the joint venture conversation What he's learned from single family, multi family and self storage investing He's bought land and become a developer Mathew has also invested in many parts of the world including Belize This podcast is for NEW and experienced investors looking to add some new tools and strategies to their skill set And MORE! Mathew's Bio At 19 years of age Mathew purchased his first investment property, and to this day still continues to look for deals. "I speak to businesses, networking groups and associations on the how to create wealth through land development investing. As a Real Estate Investment facilitator, I have spoken to over 100,000 Canadians over the past 8 years about Lease Options, Tax Sales, Buy/Fix Sales, Foreclosures. I help bring industry-leading expertise and judgment to each step in the real estate land development investing process." Specialties: Land Development Investing Real Estate Investing Author and TV Personality Professional Speaker Mentoring Website/contact info for guest Web: watermarkintl.ca LinkedIn: linkedin.com/in/mathewfrederick Twitter: mathewfrederick This episode proudly sponsored by AGHI Home Inspections and Brian Daley. Whether buying or selling a property, AGHI recognizes that the process can be stressful. It is critical that any decision you make be one that is based on knowing all of the facts. Purchasers, vendors, insurance companies and lending institutions have come to recognize the professionally trained residential home inspector as a credible source of key information vital to making these decisions, and AGHI has been doing it for over 15 years! Contact http://www.bookahomeinspection.com or call (416) 526-7482 Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#126: Build Back Better - Real Estate Investing Forecast 2021 On this week's show Gary chats with friend and longtime investor Frank Taylor. Frank purchases his first property during the 1987-1988 boom (just like 20/21), then the market crashed in 1990, leading to a recession. He's being going strong since then, with no signs of slowing down! He believes in buy and hold, and putting equity into his properties so that they are part of his retirement, and will be lasting assets for his children. Check below for all the great details of what you can learn! WHAT YOU'LL LEARN: How buying in a boom, like now, can still get you valuable assets How he navigated the recession of 1990, during the first Gulf War Why his first mortgage interest rates were 10 or 12% Why the banks got more cautious during the recession and locked LOCs! Why Frank believes that putting money into his assets is the way to go Why Frank develops great relationships with owners on all sides of his investment properties "Treat your tenants like gold, because they are your clients!" Why you should under promise and over deliver Why 50% of his clients that left real estate investing, called him back after leaving to get back in the game Why Frank ALWAYS buys for cash flow -'cash flow will always be the fundamental part of investing' Why the current stress tests are designed to mimic a crash Why Frank considers himself an historical restoration expert Why his buildings lease quickly, and the tenant class is above average Why he believes 'the world is dying, and a green economy is required to save it' And MORE! Frank's Bio At 18 years of age I started my first company, CanClean, which specialized in commercial steam cleaning and restoration services throughout Toronto, Peel and Halton region. The company provided services to some of the largest commercial office space providers and several multi-residential rental asset firms as well as service calls for Leon's Furniture, based from their Burlington location. At 20, I began to invest in real estate for the future of my children's post secondary education and for retirement, purchasing older homes in Hamilton and converting them into duplexes and triplexes. I taught myself the ins and outs of total restoration as I engaged in rebuilding those properties. In 1992, having discovered that my true passion lay in the real estate, I divested from CanClean and became a licensed realtor who specialized in multi- residential and mixed-use commercial holdings. My business ranged widely, from single family flips to rebuilding older / historical multi-unit residential buildings of scale. Clients were able to take advantage of my background in reconstruction, as I offered project management services that included multiple million dollar restorations of many properties of distinction in Hamilton and Burlington. Over the span of 36 years as a multi-res / mixed use specialist, I was involved in the sale, acquisition, property management and full restorations of commercial and residential real estate worth hundreds of millions of dollars. I retired from organized real estate to open Frank Taylor Consulting Ltd in August 2020. Of course, my most rewarding job has been as a full-time father to three amazing adult children - Ryan, Sierra, and Mathison. I reside in downtown Toronto. Website/contact info for guest Web: https://www.franktaylorconsulting.ca Facebook: https://www.facebook.com/franktaylorconsulting Instagram: https://www.instagram.com/frank.taylor.consulting This episode proudly sponsored by AGHI Home Inspections and Brian Daley. Whether buying or selling a property, AGHI recognizes that the process can be stressful. It is critical that any decision you make be one that is based on knowing all of the facts. Purchasers, vendors, insurance companies and lending institutions have come to recognize the professionally trained residential home inspector as a credible source of key information vital to making these decisions, and AGHI has been doing it for over 15 years! Contact http://www.bookahomeinspection.com or call (416) 526-7482 Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#125: How It All Started - Christopher Hummel Interviews Gary On this week's show the tables are turned - Gary is interviewed by Chris Hummell! They dig deep into the past, how SHC started, and where it's headed in the future! They talked about how Gary and Darlene started the business many years ago, and how Chris and Quinton joined the growing business. WHAT YOU'LL LEARN: * How SHC become one of the leading investor clubs * Why Gary left a safe and secure 9-5 for the wilds of entrepreneurship * The types of investing Gary tried * Why he initially screened ALL his tenants * Where SHC sees itself in the future * Inflation and the future * Market predictions * What gets Gary out of bed * Gary's Morning routine * What drives Gary and motivates him * And MORE! Chris & Gary's Bio Chris's Bio Chris has been investing in rental properties for near a decade. He is a full time investor and a full time real estate agent. Over this period Chris has contributed to various projects and has worked with some of the best in the industry. Having won several real estate awards himself and being profiled in several RE Investment magazines and articles, he continues to contribute his knowledge and experience with web articles, videos, seminars and events. Chris has a background in sales, public speaking and marketing. He prides himself on his people skills and aspires to teaching others how to achieve their financial goals through real estate investing and taking action. One of his personal goals is to mentor disadvantaged youth to show them that anybody can be successful and achieve their dreams. He has a family with two beautiful young children whom he adores and loves to spend time with. Gary's Bio Gary Hibbert is a full-time Real Estate Investor, licensed and award-winning Real Estate Agent, Author, and Educator. In 2008, he made a decision that would be life-changing by purchasing his first investment property. Through hard work and dedication, Gary left the corporate world to become a full-time entrepreneur in 2014. Today, not only does he have a remarkable Real Estate Investing Portfolio and successful businesses, Gary continually inspires the same change that transformed his life, into others. In the beginning, Gary lived pay cheque to pay cheque as many others do. He had been accustomed to the reality that at the end of the month, there was more month than money. Realizing that there must be another way to make ends meet, he became determined to educate himself and make a change. However, at that point, he hadn't yet realized that by changing his own life, it would enable him to help 100's of future investors to their path to finding financial freedom. In 2010, Gary launched Smart Home Choice, a company dedicated to educating new and experienced investors through a focus on SMART goals in order to allow them to make informed decisions in their investing strategies. Currently, Smart Home Choice is one of Durham Region's largest groups of Real Estate Investors and although the company is continually growing, it offers networking, mentoring, and self-improvement opportunities to its members. In addition to Smart Home Choice, Gary is the owner of a private investment company called Deep Pockets and most recently has joined in a partnership of ownership of a real estate brokerage; Our Neighbourhood Realty. Gary attributes his success to his focus on improving his mindset, rather than improving his skillset and most importantly discovering his "why". He is also dedicated to helping others realize their "why", because that is the realization that led Gary to where he is today. "Being able to design a lifestyle of your choice is not an easy feat, however it's attainable as long as you have passion and know what your 'why' is". - Gary Hibbert Website/contact info for guest Web: http://SmartHomeChoice.ca Instagram: https://www.instagram.com/smarthomechoiceinc/ This episode proudly sponsored by AGHI Home Inspections and Brian Daley. Whether buying or selling a property, AGHI recognizes that the process can be stressful. It is critical that any decision you make be one that is based on knowing all of the facts. Purchasers, vendors, insurance companies and lending institutions have come to recognize the professionally trained residential home inspector as a credible source of key information vital to making these decisions, and AGHI has been doing it for over 15 years! Contact http://www.bookahomeinspection.com or call (416) 526-7482 Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#124: The Last 8%: Why Avoiding The Difficult Is Keeping You Stuck w/Dr. JP Pawliw-Fry On this week's show Gary chats with New York Times bestselling author Dr. JP Pawliw-Fry. He's consulted with large corporations such as IBM, Sony, Goldman Sachs, has coached Olympic, NBA and NFL athletes! JP also hosts his own podcast called The Last 8%, and Gary highly recommends it. He explains his BIG strategy, his book club and the value of mindfulness! WHAT YOU'LL LEARN: The power of meditation and how to properly do it How self awareness translates into success Are your thoughts REALLY yours? How JP has helped world class athletes banish self- doubting voices in your head The role of isolation in the past year and how to cope with the fallout How to live a more courageous life How emotions keep us up at night The more we practice mindfulness the more we see there's us and our thoughts The more space between you and your thoughts leads you to "I don't need to believe every thought!" His morning routine to avoid burnout and setting your day up for success! And MORE! JP's Bio New York Times bestselling author Dr. JP Pawliw-Fry taught at a world class business school (Kellogg), has been an award-winning entrepreneur (Profit Magazine's Fastest growing companies), and works with Olympic and NFL and NBA teams and many of the world's top organizations such as Rolls Royce, Goldman Sachs, IBM, Johnson Controls, Airbus, BMW, Intel to perform and lead under pressure. His organization surveys over 40,000 people a year offers practical tools to help be better in your most difficult moments, what are known as Last 8% situations. Website/contact info for guest Web: https://last8percent.com/pages/academy Facebook: https://www.facebook.com/last8project Instagram: https://www.instagram.com/last8percent/ Resources: Performing Under Pressure - Dr. JP Pawliw-Fry This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#123: Pitfalls & Mistakes Lawyers Can Save You From w/Brian McMurter On this week's show Gary chats with good friend and Gary's personal real estate lawyer for many years, Brian McMurter. He's been in the business for 40 years, and June 2021 was his busiest month, EVER! He says everyone he's ever known AND their children seem to be buying or selling right now! He's built a solid team of professionals to help assist home buyers and sellers protect their interests and assets, for likely one of the biggest financial transactions of their lives. They had a wide-ranging discussion about current situations, and plain advice that never grows old. WHAT YOU'LL LEARN: Do you even NEED a lawyer to close a property in Ontario Should you close a property in your own name, a corporation or a 3-tiered corp? Who does the lawyer represent - you, the bank or both? What types of delays happen upon closing, and how they affect many other properties down the line Types of clauses and buyer protection YOU should be adding into real estate contracts Types of clauses Brian thinks should be added Challenges and rewards of private lending How the pandemic has changed how McMurter does business How personal marijuana growth at home is affected Brian's opinions on future market conditions And MORE! Brian's Bio Brian C. McMurter is a Whitby-based lawyer, specializing in Real Estate and Wills & Estates and also providing Notary services, having come to law following an extremely successful career in the banking industry. With firm roots in the Durham Region in Ontario, Brian's client base extends from Scarborough through to Clarington, and all the cities in between (Pickering/Ajax, Whitby, Oshawa, Bowmanville, Newcastle). Brian's policy of "No Surprises" has made him a popular choice among residents and real estate professionals alike. He actively supports his community as a member of the Chamber of Commerce, participates in the Durham Networking Association, and is a frequent speaker in the community on topics relating to real estate and wills. Website/contact info for guest Web: https://www.mcmurter.com Facebook: https://www.facebook.com/Brian-C-McMurter-208879189123996 This episode proudly sponsored by AGHI Home Inspections and Brian Daley. Whether buying or selling a property, AGHI recognizes that the process can be stressful. It is critical that any decision you make be one that is based on knowing all of the facts. Purchasers, vendors, insurance companies and lending institutions have come to recognize the professionally trained residential home inspector as a credible source of key information vital to making these decisions, and AGHI has been doing it for over 15 years! Contact http://www.bookahomeinspection.com or call (416) 526-7482 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#122 (Archives): Self Made Confessions w/Stefan Aarnio In this archive episode, Gary spoke in 2017 with the late Stefan Aarnio, who was a real estate investor with many years of experience. Stefan had flipped thousands of properties, but also had experience with currency investing, is a historical and current currency expert, and award winning entrepreneur & a published author. Stefan always spoke with no filter, and whatever he was thinking usually came out. Stefan's main motto was 'Respect The Grind'. What you'll learn How Gary worked through a traumatic life event Bubble in 2017 Market in 2018 Best strategy for beginning investors Bitcoin Avoid analysis paralysis Why Stefan mentors people to choose a flip for their first few investments rather than buy & hold And MORE! Bio Stefan Aarnio is an Award-Winning real estate Investor, Entrepreneur, Author and winner of the 2014 Rich Dad International Hall of Fame award. Starting with only $1200, Stefan has built a Multi-Million Dollar portfolio for himself and his partners and has been recognized on The Self-Made List. Stefan runs a Podcast called "Respect The Grind" which is a series of interviews with elite people in various industries. The interviews are all about how it takes 10 years and 10 000 hours to achieve mastery in any practice and industry, and you must respect the grind! Website/contact info for guest Amazon: https://www.amazon.ca/s?k=stefan+aarnio&i=stripbooks&ref=nb_sb_noss Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#121: Daniel Patton - Mortgages, The Middle Class & the Life of an Entrepreneur On this week's show Gary chats with good friend Daniel Patton, cofounder of BM Select mortgage broker. He and his lifelong friend Dave Butler started in the mortgage business before Daniel knew what a mortgage was! Their award winning business has helped thousands of people buy investment properties, while growing the business at a record breaking pace. What has Daniel learned over the years that benefits his clients? WHAT YOU'LL LEARN: How Daniel and Dave Butler started in the mortgage business, which is BM select Why he got into mortgages, even though he didn't know what a mortgage was Some of the mistakes they made along the way The hardest part of the RE transaction Interest rates and where they are going Inflation Market predictions Joint ventures and what the banks don't like to see What the middle class don't see coming Private lending The pivotal point that brought Daniel to where he is today The role of leadership, and how he transitioned into one Mortgage structures, debt ratios and tax implications Refinancing Why being debt free and mortgage free is good, but what is your money doing for you? What 'smart' money is doing these days And MORE! Daniel's Bio After graduating college with high honors, Daniel Patton teamed up with his childhood friend Dave Butler and in 2004 they began their careers together in the mortgage business. After winning the "National Rookie of The Year award" in their first year as Mortgage Agents they quickly translated that success into growing a Top 5 ranked team at Mortgage Intelligence where they started. In 2011 they formed Butler Mortgage. Daniel specializes in Mortgages for real estate investors and clients looking for long-term strategic planning. He routinely ranks amongst the top 20 mortgage agents in Canada (as per CMP magazine), and his team was responsible for funding over $400,000,000.00 in mortgage volume in 2019 and $503,000,000.00 in 2020. Website/contact info for guest Web: https://bmselect.ca Instagram: @BMSelect Facebook: https://www.facebook.com/BMSelect This episode proudly sponsored by BM Select - https://bmselect.ca Are you looking to become a millionaire through real estate investing? Then BM Select is for you! BM Select has helped more people become millionaires over the past 15 years than ANY OTHER mortgage broker in Canada! BM Select focuses on working with Real Estate Investors who are looking to begin or expand their portfolio, as well as specializing in working with customers that are engaged with our host of Realtor contacts across Canada. At BM Select we offer strategic mortgage solutions with dedicated Agent Support along with leading-edge Underwriting and Fulfillment Services that allow you to sleep well knowing your mortgage transactions are being handled by top quality professionals. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#120: Health & Wellness Under Any Circumstances w/ Dr. Du La, ND On this week's show Gary chats with Dr. Du La, a Toronto-based Naturopathic Doctor registered in Traditional Chinese medicine, where naturopathic care treats the entire person, not just the symptom they are complaining about. Dr. La's parents instilled in her a hard work ethic, and since she grew up in a family with not much money, her parents got creative in putting healthy food on their table. WHAT YOU'LL LEARN: Why it doesn't take a lot of money to eat well Why Naturopathic doctors believe the body has an innate ability to heal itself When it can't, they use natural therapies to supplement the immune system Why NDs don't apply 'band aid' solutions, but targeted therapies to get to the root cause Then root cause of many health issues today How meditation can help get rid of 'monkey brain' How mindfulness can help keep distracting thoughts away The role of mindset and why it's 90% important What are Dr. La's 'non-negotiables' How self talk should be conscientious, not perfect How her practice changed during the pandemic, including acupuncture What are the 5 pillars - sleep, movement, nutrition, mindset, community and how they work Traditional Chinese energy meridians What is the 'blue zone' and why some people live longer than others And MORE! Dr. La's Bio Du (Yo) La is a Toronto-based naturopathic doctor, registered traditional Chinese Medicine doctor and acupuncturist and an experienced birth doula. She is a co-founder and co-owner of Toronto Centre for Naturopathic Medicine established in 2004, a multi- disciplinary wellness clinic located in her home, in Riverdale, Toronto. She is a mom to two young girls (aged 9 and 12), an avid runner, nature enthusiast, conservationist and enjoys travel and cooking. Website/contact info for guest Web: www.torontonaturopathicmedicine.ca Instagram: www.instagram.com/dula.nd/ Facebook: //www.facebook.com/DrDuLa.ND This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#119: Are You Richer Than You Think w/ Jordan Bress On this week's show Gary chats with Jordan Bress from Scotiabank, Senior Managers of Sales for Durham Region. Many SmartHomeChoice investors have had their properties mortgaged by Scotia, and with their rental program, they will allow up to 10 properties to be mortgaged, including your primary residence! They talked about corporations and mortgages, 'drive til you qualify', his view on the market, and MUCH more! WHAT YOU'LL LEARN: Why you may have to 'drive til you qualify' Corporations and mortgages Jordan and Scotiabank's roadmap view of the market in the next 6, 12 and 18 months What Jordan thinks about mortgage rates The stress test and the impact Interest rates How appraisals are working in COVID The programs Scotia offers for first time buyers and why they are unique Jordan's morning routine And MORE! Jordan's Bio Jordan has held several senior roles including Senior Manager Business and Personal for Royal bank managing 250 relationships during his tenure in the role. In 2010 Jordan accepted the role as Senior Relationship Manager for Ontario North and East for Public Sector with RBC. He was responsible for managing clients such as Municipalities, Hospitals, Universities, and Colleges etc. He also managed Request for Proposals ( RFP ) responses during this time. Managing a book of 500 Million in assets and lending requirements. In 2015 Jordan joined Scotiabank as the Senior Manager of sales for Durham Region, managing a team of Mortgage specialists. In 2016 Jordan assumed the Ontario Central East region to align with his Durham territory. In 2017 he was awarded the Achiever trip Nationally for Senior Manager of Sales. Jordan resides in Lindsay Ontario with his wife Morgan and his two daughters Olivia, Avery and Hudson Website/contact info for guest Web: http://scotiabank.com Email: [email protected] Phone: 289-928-9146 This episode proudly sponsored by AGHI Home Inspections and Brian Daley. Whether buying or selling a property, AGHI recognizes that the process can be stressful. It is critical that any decision you make be one that is based on knowing all of the facts. Purchasers, vendors, insurance companies and lending institutions have come to recognize the professionally trained residential home inspector as a credible source of key information vital to making these decisions, and AGHI has been doing it for over 15 years! Contact http://www.bookahomeinspection.com or call (416) 526-7482 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#118: Covering All Your Bases With Property Insurance w/ Todd O'Donnell On this week's show Gary chats with Todd O'Donnell from Desjardins Insurance. Gary has most of his insurance needs covered by Todd and his team - car, home, investment properties and yet this was the first time they had met face to face! They touched on replacement cost vs. Resale prices; whether you *need* home insurance in Canada, and many more things! WHAT YOU'LL LEARN: Replacement costs vs. Resale prices, why the difference? What to do when tenants leave with your insurance to make sure you're covered Do you need to let your insurer know if you go from single family to multi unit? What to do if you are in the middle or about to start a renovation Do your rates go up with making claims? Umbrella insurance, what it is and how you use it Flood protection and premiums Content insurance for tenants, can you demand it or force them to have it Cottage insurance and coverages Do you *need* home insurance in Canada, and the answer may surprise you! Why you should drive by your property every month, and enter the property every 3 months Mindset of being an entrepreneur And MORE! Todd's Bio With two offices in Ontario, Todd and his team of 12 have over 60 years of combined experience in the insurance industry. His offices offer home, auto, investment property, business and life and health insurance products. Todd lives in Kitchener and is supported by his amazing wife Tara and two teenage boys, Ryan & Cole. Website/contact info for guest Facebook: https://www.facebook.com/InsuranceTodd Instagram: https://www.instagram.com/insurance_todd/ Web: www.insurancetodd.com Resources: This episode proudly sponsored by Deep Pockets - https://deep-pockets.ca If you're look to borrow or invest funds, Deep Pockets should be at the top of your list. It is a preferred choice for secure lending, and as a borrower you have the option of flexible terms and repayment plans, as Deep Pockets has flexible credit criteria and income approvals. As an investor, YOU GET TO BE THE BANK, using your cash, your RRSPs, LIRAs or even TFSAs. Earn maximum returns with NO out of pocket expenses. To find out more, visit the website or email [email protected] Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#117: Free & Clear: How To Make $100K yearly w/ Russell Westcott On this week's show Gary chats with real estate investor Russell Westcott, an early mentor of Gary's, partially due to his energy, excitement and confidence when speaking in front of large crowds at RE events! They touched on Russell's story that he's never told; the importance of looking after yourself; Russell's battle with depression; market cycles and MORE, in this not-to-be-missed fun and informative UNSCRIPTED chat! WHAT YOU'LL LEARN: Russell's story that he's NEVER shared before Russell's battle with depression and how he got himself out The importance of looking after yourself Market cycles and what YOU need to be careful of "Free & Clear" - make $90,000 - $100,000 a year How to find a good mentor "Sometimes you have to chisel your gifts out of you" How watching Robert Kyosaki on Oprah at age 30 started him down the path when he was lost The TWO pivotal moments in high school that changed his outlook "If you've had a blessed life, you need to be a blessing to others." And MORE! Russell's Bio Helping Real Estate Investors start, grow & scale the Real Estate portfolio of their dreams. Russell's presentations have been called passionate, entertaining, educational, and inspirational. At his core, he is a teacher, a master communicator, and has moved more than 250,000 people with his books, audio programs, YouTube videos, online & offline presentations, interviews, and podcasts. He has built his first million-dollar real estate portfolio within his first year of leaping real estate investing and continues to expand and manage his real estate portfolio. Russell has co-authored two best-selling Canadian real estate books; 97 Tips for Canadian Real Estate Investors and Joint Ventures: The Canadian Investors Guide to Raising Money and Getting Deals Done. Website/contact info for guest Facebook: httpwww.facebook.com/RussellAllenWestcott/ Instagram: https://www.instagram.com/russellwestcott/Web: www.russellwestcott.comYouTube: https://www.youtube.com/russellwestcott Podcast: https://russellwestcott.podbean.com/ Resources: Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! Real Estate Joint Ventures: The Canadian Investor's Guide to Raising Money and Getting Deals Done - Russell Westcott The 5 Second Rule - Mel Robbins This episode proudly sponsored by McMurter & Associates. They are a real estate and estate law firm who can be your partner for every major legal event in your life. If you're planning an estate, selling or buying real estate, they can help with over 30 years of experience. Their objective is to prevent you from worrying about the legal aspect of your transactions. From the first meeting, McMurter will provide you with straightforward legal advice, and no surprises., including a legal bill you didn't expect. Find them at: https://www.mcmurter.com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#116: Take Bold Steps, Follow Big Money w/ Todor Yordanov On this week's show Gary chats with Todor Yordanov, someone Gary looked up to when he first got into investing, and met at the Real Estate Investor Forum. Todor already had his own investor club, but took great interest in what Gary and Darlene were doing. They've had many conversations over the years, and his insights into many things make for an educational listen. WHAT YOU'LL LEARN: Why you can "NEVER outsave the real estate market!" What are Todor's insights into inflation His thoughts on the printing of money Where Todor thinks the market is going What's happening in the condo market, both for rentals and sales, especially in downtown Toronto They touch on conspiracy theories and the great reset The role of AI (artificial intelligence) and what role it will play in RE investing Bitcoin Canada as a whole, and how we compare to the world according to Todor People who are always successful adapt the fastest, because change is inevitable Real Estate is always a good investment as it's one of the basic needs Real estate investing gives Todor the lifestyle he wants, when we he travel again Has he bought any properties in any location he travels to Why you can be more aggressive with investing when younger, and transition into asset protection And MORE! Todor's Bio Todor started investing in real Estate few years after coming to Canada. His first purchase was a 2 units in-row townhouse in Toronto at Parliament and Richmond in 1995. What follows is a journey of hard work, many trials and errors through setting up property management company, renovations company, multiple properties purchases in different areas in GTA and eventually focusing on new construction condos and home in downtown and around GTA. An avid student of business and trends, Todor keeps close relationships with the big builders as an insight to where BIG Money is invested and where the trends are moving to and delivers intel and profitable opportunities to his clients. Website/contact info for guest Facebook: https://www.facebook.com/todor.yordanov.real.estate Instagram: https://www.instagram.com/insider_condo_access/ Web: InsiderCondoAccess.com Resources: The Snowball: Warren Buffett and the Business of Life Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! This episode proudly sponsored by BM Select - https://bmselect.ca Are you looking to become a millionaire through real estate investing? Then BM Select is for you! BM Select has helped more people become millionaires over the past 15 years than ANY OTHER mortgage broker in Canada! BM Select focuses on working with Real Estate Investors who are looking to begin or expand their portfolio, as well as specializing in working with customers that are engaged with our host of Realtor contacts across Canada. At BM Select we offer strategic mortgage solutions with dedicated Agent Support along with leading-edge Underwriting and Fulfillment Services that allow you to sleep well knowing your mortgage transactions are being handled by top quality professionals. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #real estate, #property, #suites, #garden suites, #secondary unit, #permit, #build, #design, #investing, #refinance,

#115: How The Middle Class Could Lose Everything w/ Marcin Drozdz On this week's show Gary chats with Marcin Drozdz, an investor Gary first met while still working at TD. Marcin was talking about raising millions of dollars even back then, which piqued Gary's curiosity. In this podcast, they chatted about raising money as Marcin is an expert at that; the market and where big money is moving; the 'easy' method, is inflation here or is it coming soon and more! WHAT YOU'LL LEARN: What is stagflation, and can it happen in Canada? What is the 'easy' method that Marcin uses? His methods for raising MILLIONS of dollars for investment Where is the 'big money' moving to What you should be doing RIGHT NOW as an investor What is the tax on the middle class that they cannot see Why governments don't want inflation The advantage government has for paying off debt Why hard assets can help you survive crashes Why hard assets are better than cash - FIAT currencies And MORE! Marcin's Bio Marcin is an active real estate investor and a partner on a several hundred unit portfolio in the US. He got his start in real estate through Private Equity and has sourced over $250,000,000 for several business ventures. Marcin is the creator of The Infinite Cash Flow System based on his 15 years of experience in creating wealth through cash flow real estate. When he's not working with investors or mentoring students he enjoys inspiring entrepreneurs, business owners, and those just starting to explore living life on their own terms. Outside of real estate, Marcin is the host of the Podcast "The Game". A platform where he interviews some of the top minds in business, sports, and life. Website/contact info for guest Facebook: https://www.facebook.com/realmarcindrozdz Instagram: https://www.instagram.com/realmarcindrozdz/ Web: www.marcindrozdz.com This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#114: Garden Suites: The Future of RE Investing w/ Ronald De Coteau On this week's show Gary chats with Ronald De Coteau, founder and President of Property Pathways Inc. They dug deep into Garden Suites, a new-ish way of having tenants or family live close, but independently. It is the future real estate. With the pandemic, many people are looking at maximizing their real estate investments, and getting the best use. WHAT YOU'LL LEARN: What is a garden suite (SDU - Secondary Dwelling Unit) and is it permanent? The legal ramifications of a garden suite Do different municipalities have different laws and rules? The costs of creating one Do the numbers work? Bill 108 and garden suites How are separate utilities (hydro, gas, etc) handled Why the provincial government started pushing municipal governments to explore unconventional rental housing How big of a lot do you need to do this? How much of my lot can I use for this? How many units can be created Are there different configurations of garden suites? Apartment buildings take YEARS from planning to completion, garden suites can be build much faster And MORE! Ronald's Bio Ronald is the founder and president of Property Pathways and delivers on his promise to pioneer an enriched design and construction experience for real estate investors. He started investing in real estate in 2016 and was surprisingly challenged to find a design or contractor that could explain the legal process of secondary suite renovations. He set out to become the subject matter expert and a valuable resource to real estate investors throughout Ontario. By leveraging his education and experience gained in the commercial construction sector, he created a hybrid service specific to real estate investors, who focus on the creation of long term wealth by buying and holding or BRRR real estate. He works with real estate investors and their realtors to identify Suite-Able properties and has the battle scars and relationships in municipalities throughout Ontario, to prove it. Navigating the bylaw and building code requirements for a legal secondary suite bridges the gap and creates a pathway between the problems associated with converting properties and the profit that awaits the investors. Our service is predicated on the belief that the building permitting process for real estate investors should be uniquely tailored and we achieve this through our four-phase design process that produces the detailed and easy to interpret permit drawings for a worry free construction process. Website/contact info for guest Facebook: https://www.facebook.com/propertypathways Instagram: https://www.instagram.com/propertypathways Web: www.propertypathways.ca Email: [email protected] This episode proudly sponsored by AGHI Home Inspections and Brian Daley. Whether buying or selling a property, AGHI recognizes that the process can be stressful. It is critical that any decision you make be one that is based on knowing all of the facts. Purchasers, vendors, insurance companies and lending institutions have come to recognize the professionally trained residential home inspector as a credible source of key information vital to making these decisions, and AGHI has been doing it for over 15 years! Contact http://www.bookahomeinspection.com or call (416) 526-7482 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#113: Millionaire Mindset w/ Shawn Rea On this week's show Gary chats with Shawn Rea, real estate investor, realtor and father of 3. Shawn shares his journey towards real estate investing; travelling to Belize during COVID, and building many new homes; how he got into house hacking, and finally how relatives and friends questioned his decision to sell his primary residence to finance a duplex! WHAT YOU'LL LEARN: What Shawn wrote on a piece of paper a few years ago that changed his life The book that also changed his life How friends and family questioned his decision to buy a duplex and live with strangers How to find Joint Ventures What is the *right* joint venture Buying and building properties in Belize What was involved with travelling to Belize during the pandemic What are the 'golden handcuffs' and how it relates to freedom He was working overtime and working more, but taking home less What it was like to buy and live with someone else in a Duplex Why he was broke and needed to get 2 secondary jobs Shawn's opinion of mindset How he hacked his house Why he's had a 'mini retirement' from his 9-5 and why he'll likely go back to his 9-5! And MORE! Shawn's Bio Father of 3 Real Estate Investor Realtor Website/contact info for guest Instagram: https://www.facebook.com/shawn.rea Facebook: https://www.instagram.com/shawnrea Web: https://reaig.com/ Resources: Rich Dad Poor Dad - Robert Kiyosaki This episode proudly sponsored by McMurter & Associates. They are a real estate and estate law firm who can be your partner for every major legal event in your life. If you're planning an estate, selling or buying real estate, they can help with over 30 years of experience. Their objective is to prevent you from worrying about the legal aspect of your transactions. From the first meeting, McMurter will provide you with straightforward legal advice, and no surprises., including a legal bill you didn't expect. Find them at: https://www.mcmurter.com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#112: Redefining Success During Covid On this week's show Gary chats with investor, philanthropist, author and Dragon's Den alumnus. He has built extensive holdings in the power generation, hydrocarbon production, real estate development, cannabis, agriculture, sports and entertainment industries, and he shares his insights on how covid has impacted life for investors. They also touch on Brett's health issues, especially his cancer battle numerous times, and what he learned from it. He shares his number 1 golden rule in life, and how we get back to some sort of normalcy. WHAT YOU'LL LEARN: The SIX priorities are important to him in life Why marketing is completely overlooked as a skill or discipline His views on masks, lockdowns and vaccinations What is 'essential'? Why all his businesses are COVID compliance What he learned from his 3 dances with cancer What is work/life balance for Brett - the more he worked, the more he made, the more he worked His family relationships suffered Why his book should have been subtitled - Redefining Success - In A Wealth Obsessed World Why his daughter asked 'Why can't we define success by the size of the smile?' Brett's opinion on 'How much is enough' - Musk, Bezos, etc Why education is important - 'you have to better yourself' "If wealth is all you care about, don't worry about your health, don't worry about your family, just chase wealth" (sarcasm) Why the study of entrepreneurship is so valuable Why charity is a huge part of his 'business' 'A good business that is marketed well uses community as its point of engagement' And MORE! Brett's Bio Father, Entrepreneur & Philanthropist W. Brett Wilson is best known as a "Dragon Emeritus" from 3 seasons on CBC's hit reality TV show Dragons' Den. He has built extensive holdings in the power generation, hydrocarbon production, real estate development, cannabis, agriculture, sports and entertainment industries. His business and philanthropic leadership have brought him considerable recognition including the Order of Canada (2011) and the Saskatchewan Order of Merit (2012). Brett continues to simplify and organize his life to focus on what is most important - his family, friends and health. His semi-autobiography "Redefining Success: Still Making Mistakes" is an all-time best selling business book in Canada. Website/contact info for guest Instagram: http://instagram/wbrettwilson Facebook: https://www.facebook.com/WBrettWilsonFan Resources: Redefining Success: Still Making Mistakes - W. Brett Wilson This episode proudly sponsored by Deep Pockets - https://deep-pockets.ca If you're look to borrow or invest funds, Deep Pockets should be at the top of your list. It is a preferred choice for secure lending, and as a borrower you have the option of flexible terms and repayment plans, as Deep Pockets has flexible credit criteria and income approvals. As an investor, YOU GET TO BE THE BANK, using your cash, your RRSPs, LIRAs or even TFSAs. Earn maximum returns with NO out of pocket expenses. To find out more, visit the website or email [email protected] Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#111: Drugs, Crime & Real Estate Investing On this week's show Gary chats Edward Fajardo, an investor on the path to greatness, it was an inspiring and sometimes dark conversation. Growing up in Parkdale, Edward was exposed to crime, drugs and a seemingly hopeless future, but got himself out, after using and selling drugs, robbing others, etc. He eventually turned to RE investing, but made a ton of rookie mistakes. This is a story that shows you can start no matter where you came from, or where you are in your life, it's a matter of CHOICE. Edward still has his 9-5 job, and wanted to share his story about his beginnings in real estate. WHAT YOU'LL LEARN: How your CHOICES can radically change your life, no matter how old you are His early lifestyle was not about ego, but simply survival Some have said 90% mindset and 10% skills Cory McKinnon said 70% mindset, 20% environment, 10% skill set How Edward's two lives were colliding - personal and work He describes himself as a 'functioning' addict How he realized if he didn't stop drugs he'd lose everything He began a path of self discovery - how where he came from influenced him, but it was NOT his future, and it began with the Joe Rogan podcast He then began listening to health and wellness podcasts, then RE podcasts He went broke from RE investing initially and then got into debt again Why he got a SECOND job to pay debt off, to WORK MORE TO PAY OFF THE BILLS Working weekends, nights, not seeing his family When a coworker mentioned investing for passive income with none of her own money, Edward was interested! His first property was buy/hold with tenants in place Why reserves are important on new buys Tenants didn't pay rent Why he hired a property manager after 3 months Why he moved to the BRRRR strategy And MORE! Edward's Bio Edward has goals and aspirations of changing the trajectory of his family's legacy. As a second-generation Filipino-Canadian born in Parkdale, Toronto Ontario he struggles with self-limiting beliefs of identity and worthiness. Faced with environmental conditions that are more suitable for a life of drugs and crime, Edward battled addiction and perceived feelings of inadequacies. It wasn't until his environment changed did he understand that his learnt behaviour was not permanent. This led him on a path of personal-development and a self-directed learning approach. Fast forward to present, with his new understanding of good debt vs bad debt, assets vs liabilities, Edward has carved a niche for himself as a self-proclaimed 'late bloomer'. He is utilizing the powerful tools of real estate investing alongside his new skillset of trading Stock Options to engineer his lifestyle. Scaling his real estate portfolio through personal and joint ventures partnerships, Edward uses a combination of BRRRR and buy and hold strategies to help others create generational wealth and improve ROT (return on time). Website/contact info for guest Instagram: http://instagram.com/edwardjfajardo Email: [email protected] Resources: Rich Dad Poor Dad - Robert Kiyosaki Think & Grow Rich - Napoleon Hill 7 Habits of Highly Effective People - Steven R. Covey This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

#110: Straight From The Streets On this week's show Gary chats with his partners Quinton Cordick and Christopher Hummell about their journeys as real estate agents and investors. They've had a lot of fun building up SmartHomeChoice to be able to serve thousands of investors build their portfolios, while making the process as stress-free as possible. They talked about the market and what's happening on the streets, as the headlines in the media don't always tell the complete story. Who's driving the market - experienced investors, new investors? They also discussed where to invest - Peterborough, outside of Peterborough… WHAT YOU'LL LEARN: Why comparable listings from months back are basically useless these days because the market is moving so quickly Why some houses are receiving multiple offers and some aren't Is every house these days appraising at its value Why you shouldn't worry these days if houses are on the market for 2 weeks Will the 10% month over month growth continue Why it's harder to predict what a property will close at Why Quinton and Chris are calling agents to check what owners want for a property, before showing it and preparing offers, to not waste their clients' time Some properties are being listed at a price, but the owner wants double Why an agent that works in the area is way more effective than of market agents It doesn't matter if we are at the peak of the market, if the numbers make sense Why they respect the client's comfort level What type of properties are being purchased now Anything in the news is 'news', it's not what's happening now Where are the opportunities now - Peterborough, further afield? Why there will ALWAYS be renters And MORE! Quinton's Bio Quinton is an established Real Estate agent with 10+ years of solid experience. He recognizes every real estate transaction is a major financial event in his client's lives. He prides himself on careful attention to each client's unique set of needs by delivering the services required to fully represent his clients with honesty and integrity. After graduating from York University with a Bachelor's degree in Mass Communications, Quinton went on to work in the field of Communications. It is there where he honed his interpersonal and communication skills which he has carried forward into the world of real estate and investments. Quinton enjoys staying active through playing baseball and basketball. He is also a dedicated husband and father to his two children. Christopher's Bio Chris has been investing in rental properties for near a decade. He is a full time investor and a full time real estate agent. Over this period Chris has contributed to various projects and has worked with some of the best in the industry. Having won several real estate awards himself and being profiled in several RE Investment magazines and articles, he continues to contribute his knowledge and experience with web articles, videos, seminars and events. Chris has a background in sales, public speaking and marketing. He prides himself on his people skills and aspires to teaching others how to achieve their financial goals through real estate investing and taking action. One of his personal goals is to mentor disadvantaged youth to show them that anybody can be successful and achieve their dreams. He has a family with two beautiful young children whom he adores and loves to spend time with. Website/contact info for guests Web: https://smarthomechoice.ca/ourteam/ Facebook: https://www.facebook.com/smarthomechoice Instagram: http://www.instagram.com/smarthomechoiceinc This episode proudly sponsored by AGHI Home Inspections and Brian Daley. Whether buying or selling a property, AGHI recognizes that the process can be stressful. It is critical that any decision you make be one that is based on knowing all of the facts. Purchasers, vendors, insurance companies and lending institutions have come to recognize the professionally trained residential home inspector as a credible source of key information vital to making these decisions, and AGHI has been doing it for over 15 years! Contact http://www.bookahomeinspection.com or call (416) 526-7482 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #peterborough, #investing, #real estate, #success, #entrepreneur, #joint ventures, #market, #intention, #gratitude, #mindset, #garden suites, #Ontario,

#109: The Intimacy of Real Estate Investing On this week's show Gary chats with Krista Hope from JK Coaching. Krista and her husband Jared have gone on to purchase over 100 properties. She's learned the importance of intention, self love and openness to embrace investing and the lifestyle that comes with it. Krista and Jared coach people to take control of their lives; how to not get caught up in the hamster wheel; and why you don't need to be passionate about RE investing to have success! WHAT YOU'LL LEARN: What are the benefits of investing coaching and mentoring and why it never ends How men and women view RE investing differently Why trust and intimacy are important parts of both relationships and investment partnerships How to handle pain Why Krista lead the way into investing, but Jared has 10x it How Krista always had entrepreneurial Why her parents taught her to take control When you have a boss you're not in control Working for yourself allows more creativity How they avoided bankruptcy Why they made a lot of poor choices, but learned along the way Why you can get caught up in growth of your business What we Krista's 'Aha' moment when she got off the hamster wheel Why it's not the goal, it's enjoying life along the way Why coaching helped Krista and Jared realized that they were choosing the the life they were currently living, but it could be a much better life Why coaching is biggest gift for growth Why Krista and Jared's coaching delve into personal as well as investing issues "Knowing who you ARE, not who you SHOULD be" And MORE! Krista's Bio Krista combines empathy and empowerment with a holistic investment plan for all of her clients. She is an expert at helping her clients realize their path and getting them to love the process of their journey. With deep dives into habits, goals, mindsets and self exploration, she guides clients through understanding that they have all the necessary tools and potential to achieve their dreams within themselves already. From her experience of starting a family, realizing her own dreams and working with Jared while owning over 100 properties – Krista has learned the intention, self-love and openness required to enjoy real wealth in a fulfilling partnership. Learn to love the journey and get in the mindset of gaining (and keeping) true prosperity with Krista's help. Website/contact info for guest Web: https://jkcoaching.ca/ Facebook: https://www.facebook.com/jaredandkrista Instagram: https://www.instagram.com/1bitcoin.ca/ This episode proudly sponsored by McMurter & Associates. They are a real estate and estate law firm who can be your partner for every major legal event in your life. If you're planning an estate, selling or buying real estate, they can help with over 30 years of experience. Their objective is to prevent you from worrying about the legal aspect of your transactions. From the first meeting, McMurter will provide you with straightforward legal advice, and no surprises., including a legal bill you didn't expect. Find them at: https://www.mcmurter.com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #intimacy, #investing, #realestate, #success, #entrepreneur, #powercouple, #coaching, #mentoring, #intention, #selflove, #gratitude, #mindset, #detox

#108: Health & Nutrition - What's the BIG Deal?! On this week's show Gary chats with Certified Health & Nutrition coach Maxine Choy! This show is about wealth, health and everything in between! People are willing to spend thousands on upkeep and maintenance for their cars or homes, but for their most precious possession, their bodies, it's either DIY or nothing at all. Some wait until they have health challenges to even consider wellness caching. Nutritional coaching can save time and money, and help you plan to feed your body with superior nutrition, giving you a higher quality of life. WHAT YOU'LL LEARN: What are the benefits of nutritional coaching? What's a juice cleanse and what can it do for your body Detoxing The role of essential oils Fasting and intermittent fasting, and do they help The difference between being a vegetarian and a vegan Why diets DON'T work The 10-10-10 routine Why Maxine focussed on longevity at a young age Why prevention is better then intervention Why she's fearless and left a 9-5 for entrepreneurship It's not that people CAN'T or don't want to change, they are victims of conditioning Why do most people fail at wellness changes The role of MINDSET The challenges: reward, punishment, emotional attachment to food, boredom, depression… How you can monitor/journal what you eat and how you feel Why nutrition has to be highly personalized Why planning meals leads to success Why it's a process and not an overnight change And MORE! Maxine's Bio Maxine is a Certified Health & Nutrition Coach working with women to assist them in achieving attainable health and fitness goals by practicing mindfulness, consistency and accountability. She is also a Yoga and Pilates teacher, providing online classes, either in groups or one-on-one. She believes that maintaining a balanced life is more important for your personal health and well-being, especially in the fast-paced, modern world we are living in. She works directly with her clients to guide them through simple technique to help them sustain a balanced diet, alongside personal fitness, with a goal to improve and stabilize their overall health and well-being. Being in the Health and Wellness industry since 2014, she has witnessed the need for women to get out of their own way and start setting real intentions, making serious commitments and putting direct action in place in order for them to see any results. She is a proud mother to her teenage daughter, an avid writer and loves photography. She is also a published Author who recently launched her 12 Week Gratitude Journal and is part of the series of 365 Empowering Stories Book, released in September 2019 and is available on Amazon. She has hosted Wellness Retreats for women, participated in workshops, forums and entrepreneur empowerment meet-ups sharing her passion about wellness and the importance of self-care. She believes that when you live a balanced life, you can easily offset any negative events or emotions with positive ones. She believes we all have the power to make better choices, it's what our minds tell us that stops us. Website/contact info for guest Web: www.livewellwithmaxine.com Facebook @livewellwithmaxine Email: [email protected] Instagram: @livewellwithmaxine Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #health, #wellness, #weight, #noscale, #wellness, #nutrition, #wellbeing, #fitness, #healthyeating, #diet, #gratitude, #mindset, #detox

#107: H.U.G. Hand Me Up Generational Wealth On this week's show Gary chats with friend and personal mentor Mathew Frederick. Mathew has over 30 years experience in real estate investing, residential, multi-family, new family and now mentorship for new investors. He's built 250 homes, 3 x 50 unit condo buildings, restaurants, wellness clinics, building a triplex in Belize, and more! He created a brand strategy called the H.U.G. strategy, that he wanted to share. They also chatted with Joint Ventures, how to find them and how to structure them, EVEN if you don't have any money. WHAT YOU'LL LEARN: * What is the H.U.G. strategy and how it can help * Why his brother handing a leather jacket down to Mathew inspired this strategy * What he's learned in his 30 years of investing * Why he invests in the US, Alberta and the East Coast to ride out market specific downturns * The effect of racism on his belief system and how long it took to reprogram his beliefs * Why the sandwich generation has the income and money to invest in properties, but not the time to manage the property * How multigenerational investors can pool their resources to purchase and manage properties * How Gen X can JV with millennials or younger to manage the property * How the splits can be 50/50 or 60/40, and the cash flow can be directed to education, depending on the JV agreement * How to use investing to pay for post secondary education or private school * How older generations can qualify for mortgages, and younger might provide a downpayment or vice versa * Many people want to be investors, but can't qualify * His unique formula that allows Doctors to invest and take days off * Why a coach or mentor can take you through the process * Why some people don't use a mentor or coach * What is his hottest/favourite market * Why he's adding a 3rd unit to rental properties * The BIGGEST mistake investors make according to Mathew * What timeframe should a new investor take action in * And MORE! Mathew's Bio Mathew has 30 years of experience in real estate investing in residential, multi-family, new development & mentorship. While building 240 houses, and 3 50-unit condo buildings he founded a number of restaurants, wellness clinics, and a light manufacturing company. Currently Mathew is building a 3 story triplex in Belize and coaching investors toward scaling-up their portfolio & considering multi-family. Resources: Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!- Robert T. Kiyosaki Website/contact info for guest Web: RCCSOL.COM Facebook: https://www.facebook.com/groups/3244429258965874/ Email: [email protected] Instagram: https://www.instagram.com/rccsol.investor/ Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #investing, #property management, #mentor, #DIY, #investorlife, #learning, #lifestyle, #passiveincome, #richdadpoordad, #coaching,

Before this week's show, Gary answers a question he's getting a lot - is NOW the time to flip my property? Gary chats this week with Kayla Andrade from OLW, Ontario Landlord Watch. A big topic discussed was COVID and can you evict tenants during these times; can the landlord move in; the owner sells the propter and the new owner wants to move in; the different forms used for eviction; Bill 184 and what was in it; cash for keys; and the landlord credit bureau! If you're a new or potential investor this is a MUST listen! WHAT YOU'LL LEARN: The correct procedure for evicting a tenant for owner occupation during covid times Why you must give tenants leaving one month credit How hearing dates for evictions are taking place Why Zoom landlord/tenant hearings are here to stay How OLW came to me after a municipality decided to make landlords responsible for delinquent tenant utility payments Why their biggest priority is the backlog in landlord/tenant board Why they want the Residential Tenancy Act needs to be overhauled Why tenant screening is incredibly important If you screen in good tenants, the LTB is of less concern Why non-payment of rent is the biggest issue why new investors avoid the market The landlord credit bureau helps landlords report tenant rent payments, and helps build tenant credit You can also report damage to rental units You can check with other landlords on the bureau about tenants as part of screening Why landlords must attempt payment arrangements with tenants before eviction You don't need permission to record delinquent rent, but do need permission to report on time payments Making sure you do a routine maintenance check / inspection on your properties Why you have to use the standard lease for new rentals Why January 2022 will be rent increase day in Ontario! What is the N4 form and why you should use it What is the N11 and what is 'cash for keys'? Mistakes landlords make Kayla's biggest mistake! And MORE! Kayla's Bio Kayla Andrade is a wife, a mother, a landlord and now, an advocate. She prefers actions with tangible results rather than sitting back and ignoring the issues. Ms. Andrade has a long record of successfully guiding local and provincial landlords through the many issues and policies and where many have taken notice of her motivation and skills in advocacy. This strong commitment and dedication is how Ontario Landlords Watch was born, finally providing an avenue where Landlords could share their experiences and struggles. Over the years, this grassroots advocacy organization has built a solid foundation of supporters through their supportive services involving the rental housing market, the Residential Tenancies Act and the Landlord and Tenant Board legislation. This strong team has evolved to fight not only for the rights of Landlords but also for the plight of good Tenants and the heavily burdened Taxpayer. They seize every opportunity to meet with elected Officials, Taxpayers, Landlords and tenants to discuss solutions to the Housing Crisis. Kayla began her endeavours at the young age of 18 where she purchased her first rental property. Since that time, she has become a seasoned landlord and expanded her rentals to include a 5 plex, 6 plex, 2 triplexes and a single family home - 18 doors in total. Her dream is to empower a team of Private Sector Housing Advocates in each city, to work together, to provide fair and balanced rules and regulations that benefit all members of society. Website/contact info for guest Web: http://ontariolandlordswatch.com/ Facebook Group: https://www.facebook.com/groups/818378618219840 Facebook Public Page: https://www.facebook.com/OntarioLandlordsWatch Email: [email protected] Instagram: https://www.instagram.com/ontlandlordswatch Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary chats this week with Mel and Dave Dupuis, who have become famous for buying 12 properties in 12 months, using other people's money and creative financing! They think outside the box with marketing videos, and have embraced Tik Tok and Instagram and created some amazingly creative videos. The car crash they were involved in, in 2018 completely changed their lives. They knew about real estate investing and had a coupe of rental properties separately, but Dave was a full time firefighter and Mel was working at a college part time. Even thought they picked up odd jobs to get more money to invest, they realized they were trading time for money, and at best would be able to buy 1 property per year. WHAT YOU'LL LEARN: How Rich Dad Poor Dad changed their lives and lead to them buying 12 properties in 12 months! This purchase was for 56 apartments They have NEVER done a JV (Joint Venture) They've mentored hundreds of people to get into real estate investing "The Rich don't work for money" & "Debt makes you rich" Why 2020 was their best year, purchasing 119 apartments The more you do it, the easier it gets! Their use of creative financing - seller financing, RRSPs, promissory notes Why they studied people that had large portfolios and lost it all, and the lessons they learned Why Dave was confident, and why Mel was scared Their last deal was an 8 plex, 3 commercial units and 5 residential tenants on the second floor in North Bay What was their worst mistake in investing, and Mel owns up to it! The secrets they've learned to a successful marriage/work partnership Why they've 'picked a lane' for responsibilities within the partnership How success changed personal relationships including friends Why they still hustle, even on weekends Why work/life balance is important Why "The Secret" really impacted Mel's life as a single mom How their horrific accident was life changing, they wrote a book and started mentoring others Why the best advice comes from those that have been an investor And MORE! Mel and Dave's Bio Melanie and Dave Dupuis, also known as Investor Mel & Dave, are innovative real estate investors who have SOLELY acquired over 200 apartments in just a few short years. Using creative and successful strategies, they have been able to increase their portfolio significantly without using any of their own money. They impressively have 100% ownership of these properties, which means they keep 100% of the equity, appreciation, and cashflow. Investor Mel & Dave are proof that as long as you don't let anything stop you, success can be yours. Following a horrific life-changing highway crash in 2018, they wrote a Real Estate Investing book "Real Estate Investing Secrets - A NO-B.S. Guide to Creating Wealth & Freedom" that achieved Amazon #1 Best Seller status very early into their launch. Mel is also co-author of "The Only Woman in the Room - Knowledge and Inspiration from 20 Women Real Estate Investors that was recently launched and also achieved Best Seller status. With over 20 years of combined experience in real estate investing, property ownership and management, this self-made couple understands the ins and outs of building a business and of acquiring wealth through real estate. In 2019, they won the "Small Business of the Year" Award, in North Bay, have won the 2020 Canadian Business Award as Leading Experts in Real Estate Investing and have also won the 2021 Canadian Business Award as Top Real Estate Mentors. They are dedicated to helping others create their own time, location and financial freedoms. They are both speakers and mentors throughout North America and have mentored hundreds of people on how to use creative financing and other people's money (OPM) to change their lives. Their online presence is impressive, with over 175,000 followers. You can find them on Instagram, Facebook, TikTok and YouTube under their user name Investor Mel & Dave and on their website at www.investormeldave.com. Free Creative Financing Masterclass: (How We Bought 12 Properties in Less Than 12 Months using OPM) www.bought12in12.com Resources: Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!- Robert T. Kiyosaki The Secret - Rhonda Byrne Website/contact info for guest Web: https://www.bought12in12.com/ or www.investormeldave.com Facebook: https://www.facebook.com/InvestorMelDave or www.facebook.com/DupuisPropertiesWelcomeHome Email: [email protected] Instagram: https://www.instagram.com/singlemommillionaireofficial/ YouTube: https://bit.ly/SubscribeToMelDave This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Please a leave a review, as it helps Gary understand if he's br

Gary chats this week with Sadhana Sabharwal, THE Single Mom MILLIONAIRE! She came to Canada at age 14, faced her fears of moving to a new country; got married at 19; had 3 kids before her 26th birthday; and then found herself a single mom and being divorced at 34. How could she provide for her kids and herself on ONE income? She eventually found real estate investing when she worked in a law office, and a client's mortgage payment was LESS than her car payment! Sadhana challenged the myth that single people, or large families cannot find the money to invest in real estate! If you get creative with VTBs, or hard money lenders, YOU TOO can find a way to get into the lucrative investment market. Sadhana also tells Gary about some very important strategies that she used that will be useful for listeners. She doesn't invest in one geographic market, she says as long as the numbers work, you can invest anywhere! WHAT YOU'LL LEARN: How a client's lower mortgage payment than Sadhana's car payment made the light bulb go off for investing Her first real estate club experience Her first property was a JV with her client on a cottage How she bought a 2 bedroom bungalow in a tax sale, for $5000! Her next one was a tax sale for $11,000 Her next one was $32,000 How she ended up owning 18 properties at one time, most bought with no/low money down She bought a 10-plex where the SELLER LOANED HER MONEY for the down payment and closing costs! How's she's borrowed money from many sources She was doing BRRRR and hard lenders before they were called that! Why when the numbers work in her favour, she'll invest almost anywhere Why she puts away 5% for vacancy and 5% for repairs Why she started the "No Money Down Academy" during COVID Why Sadhana says, 'If a female immigrant with no prior knowledge or post-secondary education can do it, anyone can' Why her superpower is number crunching Why she's worried about hard times ahead, and rising house prices And MORE! Sadhana's Bio I am a single mother with three sons, a full-time law clerk, and an enthusiastic real estate investor. Over the past decade of investing in real estate, I have bought and sold over 35 different properties, including single family homes, duplexes, four-plex, a five-plex, a six-plex, and eight-unit buildings. I enjoy positive cash flow from my properties and l look forward to investing in more. My specialty is buying undervalued properties that need work, fixing them up, and then refinancing them in order to get the newly-gained equity out of the property; I then continue as owner in order to rent them out to tenants, who provide me with an ongoing positive return on my investment. I have also been called the "No Money Down Queen", as I have built up my portfolio of properties with none or little of my own money. I love to invest through "recycled" money and also by creative financing strategies, including: traditional bank financing, lines of credit, financing from private lenders, borrowing from family, credit cards, as well as joint venture partners who provide initial funds for down payments. I am a native of India who came to Canada with my family at the age of fourteen. My name Sadhana means "meditation". I am a spiritual person who believes in nurturing relationships and helping others attain their goals. This is why I have created my "No Money Down Academy" online course on investing with creative resources, showing other how everything you need to know to go from beginner to professional real estate investor. I am more than happy to assist anyone who wishes to invest in real estate or would be interested in one-on-one coaching or joint ventures with me! Resources: Website/contact info for guest Web: www.thenomoneydownacademy.com or http://www.singlemommillionaire.com/Facebook: https://www.facebook.com/singlemommillionaireofficial Instagram: https://www.instagram.com/singlemommillionaireofficial/ This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #investing, #mindset, #single parent, #mentoring, #investmentclub, #mentor, #DIY, #investorlife, #learning, #lifestyle, #passiveincome, #richdadpoordad, #noexcuses

Gary chats this week with Jared Hope of JK Coaching, an investor with over 16 years in the trenches, and he's developed a no-BS approach to real estate investing! Jared has owns over 150 properties and has performed over 500+ transactions all across Canada. Jared and his wife Krista are a power team, and have learned the right and wrong way to invest, making many mistakes! Jared is also a coach and podcast host, and this chat with Gary details his struggles AND successes as an investor, and will appeal to both new and seasoned investors! WHAT YOU'LL LEARN: What made his wife Krista suggest they get into real estate investing What Jared's and Krista's parents approach to life and work impacted them What Jared thought of his first real estate investing seminar with Don Campbell of REIN Why he skipped the last day but his wife stuck around, and how that changed everything Why an investment club CRUSHED their investment goals Why his 'judgement' of others at these clubs CHANGED everything Rich Dad, Poor Dad is the key His first house was a disaster, SO many mistakes He bought 3 houses his first year, 11 in the second year, and 64 in the third year! Why it's important to vet your mentors - many are coaches or mentors and have NO properties of their own Why his dad turned him down for a Joint Venture, and why Jared did it anyway! Why trust is everything, and why he failed as a salesperson initially until he started BUILDING relationships, NOT selling Why coaches and mentors help to REDUCE fear in new investors Why his first coaching client was sold on his services and offered $750,000 for investment cash for 10 or 11 JV properties Why this JV experienced issues, and how Jared and Krista bought out the investors Why the recession of 2008-2009 caused him to lose $18,000 a month! You MUST be clear on WHY you're getting into investing ROI vs. ROT = Return on Investment morphed into Return on Time, build a quality life Why Jared challenged his 'Upper Limit Thinking' What lead Jared to be driving a $110,000 Porsche 911 but have a $140 grocery bill declined on THREE cards! How Jared and Krista AVOIDED bankruptcy, tore down and rebuilt their portfolio for properties they wanted, not what were told to buy What is Jared's BIGGEST FEAR! And MORE! Jared's Bio With over sixteen years of in-the-trenches experience, Jared has developed a no bullsh*t approach to real estate investing that makes it simple for anyone to own money-making income properties. His serious wealth of expertise comes from extensive ownership of over 100 properties and 400+ real estate transactions across Canada. Together with Krista, he has learned all about the right and wrong properties to invest in by making every mistake in the book. For his clients, Jared gives practical, relevant and action-focused advice that they actually understand and can use when making investment decisions. Jared throws the cookie-cutter textbook approach out the window by personally digging into each client's portfolio and investment hang ups. Resources: The Big Leap: Conquer Your Hidden Fear and Take Your Life to the Next Life - Gay Hendricks Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!- Robert T. Kiyosaki Website/contact info for guest Web: https://jkcoaching.ca/ Facebook: https://www.facebook.com/jaredandkrista Instagram: https://www.instagram.com/1bitcoin.ca/ This episode proudly sponsored by Property Pathways - https://www.propertypathways.ca/ Property Pathways is an investor-focused architectural design service provider that specializes in secondary suite conversions throughout Ontario. We'll assist in developing a strategic design and renovation plan that will get the most out of your investment property. Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #investing, #mindset, #bitcoin, #mentoring, #investmentclub, #mentor, #DIY, #investorlife, #learning, #lifestyle, #passiveincome, #richdadpoordad, #bankruptcy

Gary chats this week with Jacob Asparian, real estate broker and investor, as well as President of Bitcoin Capital Ventures, a Bitcoin company that offers consulting services as well as directly investing in companies that bring Bitcoin services directly to the public. He's been a Bitcoin investor for many years, and enjoys helping others get started with investing in Bitcoin, and his passion for the technology is evident. Listen and learn why Bitcoin can be a valuable hard asset for your investing portfolio! WHAT YOU'LL LEARN: What is Bitcoin and digital currencies An overview of how Bitcoin was created, and how it's traded or spent Why digital currencies are here to stay, and will be the future How long has it been in existence Has Bitcoin ever been hacked Is it easy to transfer Bitcoin to someone else Where can you use Bitcoin The misconceptions of how Bitcoin is used The role of inflation on Bitcoin As of the podcast release day, 1 Bitcoin is worth CDN $64,555 Why and how you can buy small amounts The process of buying Bitcoin Is it too late to invest in Bitcoin It's been suggested that Bitcoin may go as high as $400,000 Where Jacob sees the market going And MORE! Jacob's Bio Jacob is a real estate broker, investor and business owner or President of Bitcoin Capital Ventures, a Bitcoin company that offers consulting services as well as directly investing in companies that bring Bitcoin services directly to the public. Website/contact info for guest Web: https://www.1bitcoin.ca/Facebook: https://www.facebook.com/1Bitcoin.ca Instagram: https://www.instagram.com/1bitcoin.ca/ Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #investing, #mindset, #bitcoin, #cryptocurrency, #digitalcurrency, #consulting, #DIY, #investorlife, #learning, #lifestyle, #passiveincome, #digitalwallet,

Gary chats this week with Darcy Marler, a real estate investor having success since 2001, and author of 4 books. Darcy has owned 92 properties and 240 doors worth 44m over the years, he's done flips, land development, new builds, long term rentals, BRRRR before it was called BRRRR, condos, land parcelling, and has now transitioned into mentoring! It made him successful, but also depressed…tune in to find out HOW! This conversation is great for both new investors, and seasoned investors that want to take their portfolio to the next level. WHAT YOU'LL LEARN: How Darcy was able to scale his business from 1 property to 92! How to understand your Joint Venture (JV) partner How to raise money The circumstances that brought on his depression Darcy shares some of the biggest mistakes investors are making in the beginning His journey with depression after building a real estate empire How investors get caught up trying to get as many doors as possible How the first real estate book from his dad at age 15 changed his life How he created his own spreadsheet program to crunch investment numbers Why he was a millionaire, but couldn't afford to buy GROCERIES! Why cash flow is KING! Why he says he gets bored easily, but suggests most investors stick with a strategy Darcy says 'knowledge is key' to success, and avoid failure Why JV's are 'selling yourself', not selling the property His 1st book looks at investment strategies, and helping you figure out which is for you Understand your "Why" that you are investing, then choose your strategy If you're not happy with one strategy try another Why it's OK to fail as long as you learn from it Why Darcy, like Gary, doesn't really enjoy being a landlord Why Darcy initially did everything himself, now hires others 3 critical steps to self growth according to Darcy And MORE! Darcy's Bio Full time R/E investor since 2001; have owned 92 properties / 240 doors, worth $44m; have done flips / land development / new construction / long term rentals / BRRRR / commercial / condo conversions / land parceling Website/contact info for guest Web: https://www.hrrealestatementors.com/books Facebook: https://www.facebook.com/sabanabooks15 Instagram: https://www.instagram.com/sabanabooks15/ Email: [email protected] Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #investing, #mindset, #rebuild, #coaching, #personalgrowth, #DIY, #investorlife, #depression, #failure, #learning, #lifestyle

Gary chats this week with Mark Smith, the host of the 7-2 Mindset Investor Podcast. Mark had the kind of life some people dream of, but it did NOT lead to happiness for him. From $6000 suits to a jail cell, his life took a dramatic turn. After a conversation with his son, it started him on the path to rebuilding, redemption and personal development, which you will hear in this not-to-be-missed podcast, Real Talk With Gary! WHAT YOU'LL LEARN: How Mark came up with the name "7-2 Mindset Investor" Why he's thriving even during the pandemic and the role of mindset How $6000 suits, box seats to sporting events and expensive bottles of wine did NOT make him happy Why his health suffered as well How jail changed him The steps to rebuilding - personal development, reading, mentorship groups, mentors, personal coaches, real estate coaches, and good health Why he feels coaching is a marathon, not a sprint How the former 'people pleaser' now focuses on internal happiness Why Mark says the real asset is YOU, not the real estate, so invest in yo u What real estate strategies he uses How he's now created the lifestyle of his dreams Why his mindset is 'what can I give' vs. 'what can I receive' The benefits of a mastermind group Some of his favourite and life-changing books including the NUMBER ONE book they should read Why working for someone else creates a false sense of security Mark answers when is the best time to invest "The days become turbulent because we didn't have a smooth takeoff or landing" And MORE! Mark's Bio Mark is a real estate investor known as the The 7-2 Mindset Investor. He's also a motivational speaker and a strategic mindset architect. His investment strategy is as an off market apartment specialist. He has pledged to himself that he will spend $1 Million dollars on personal development, and is a big believer in Mind, Body, Spirit! Website/contact info for guest Web: https://youtube.com/c/The72MindsetInvestorFacebook: https://www.facebook.com/72mindsetinvestor Instagram: @72mindsetinvestor or @the72apartmentguy Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca Tags: #investing, #mindset, #rebuild, #coaching, #personalgrowth, #DIY, #investorlife

Gary chats this week with Angelo DeTorres, one of the owners of Steps Dance Studio, and a real estate investor. Why are we talking dance on this show? Health, wealth and everything in between. Dance was introduced into Angelo's life at a young age, but didn't turn back to it for 15 years, after an ACL injury cancelled his NBA dreams. His passion for dance was reignited at a chance encounter in Cuba. Angelo had moved from the Philippines to Toronto, and got involved with Steps Dance Studio as a customer as a way to express himself, then ended up co-owning the business! Angelo relays experiences of seeing seniors dancers prolong their lives with movement! And, how his dance partner became his life partner, with two kids! WHAT YOU'LL LEARN: Who recommended that Angelo read "Rich Dad, Poor Dad" He was working at Bell, Steps and real estate investing How his growing family played into his lifestyle choices Why in 2016 he decided to leave 9-5 and what it was like His first house was $286,000 and he still owns it What the steps were to transition from 9-5 to full time entrepreneur From 500 members to 50 due to the pandemic What the lockdown has done to his business, how he stayed resilient and kept moving forward How they've moved business at Steps to go fully virtual, and were the first studio to do so They have daily courses online They got some members back before the 2nd lockdown How they will create online courses to allow people to learn 24/7 How he's repurposed his dance space during the pandemic His feelings on Big Box stores vs small retailers and service providers Why he initially ignored dance and what he would tell his younger self And MORE! Angelo's Bio As a co-owner of Steps Dance Studio, Angelo is a full time instructor, choreographer and performer. He is currently managing all of the Steps performance teams, and is choreographing for couples as well as competitors. Angelo is a professional competitor having won the Canada Salsa and Bachata Congress as well as the Chim Pum Callao Salsa Congress in the professional Bachata division. He also coaches and competes in Pro-Am showcase and heated divisions at local and international Congresses. Angelo has trained with multiple world-renowned artists such as Tito Ortos, Tamara Livolsi, Anya Katsevman, Billy Fajardo, Katie Marlow, Nelson Flores, Adriano Ieropoli, Samantha Scali, Grupo Alafia and Raul Santiago. He has completed the Salsa Certification course with Tito Ortos in both 2017 and 2018. Angelo has taught and performed with the Steps Professional team in various Salsa Congresses and events including Mambo Nights in Bermuda, the New York Salsa Congress, Hustle & Salsa Festival in Puerto Rico, the Montreal Salsa Convention, the Canada Salsa & Bachata Congress, the International Hustle & Salsa Competition in Miami and the Ottawa Salsa Congress. His love for Latin dance is reflected in his teaching technique. He is truly passionate about sharing his knowledge and in return seeing growth and advancement in his students. Website/contact info for guest Web: https://www.stepsdancestudio.com/ Facebook: https://www.facebook.com/StepsDanceStudioToronto Instagram: https://www.instagram.com/stepsdancestudiotoronto/ Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary starts off the show by answering the question if NOW is a good time to invest; how to invest; and why 'cash is trash' and hard assets are the safest place to be RIGHT.NOW. Gary chats this week with Edna Keep, a real estate investor for 13 years with an incredible story. Currently, Edna has 600 doors, and will be adding 84 more soon. She became a single mom at 16, living in subsidized housing, and daughter was in subsidized daycare. Fast forward to today, she is a now multi-millionaire investor, coach and inspires others with her story. Her main strategy is long time, buy/hold apartment buildings. Her claim to fame is a $65 million dollar portfolio with OPM - other people's money. She invests primarily in Canada, but has properties in the US as well. And you can too… WHAT YOU'LL LEARN: Why Edna determined that she would be a success through MINDSET Why 'IMPERFECT action is way better than perfect' Why it's not 'live within your means', or 'you need to budget' Why she wanted to be wealthy How as a financial planner she would see how well her clients were doing with RE investing How Robert Kiyosaki's training helped her Why some financial planners 'don't know everything' She initially started with her husband, but moved on to JV/partnerships How vendor take back mortgages quickly allowed her to buy more properties Why upkeep expenses (roofs, heating, plumbing) initially made her focus on condos What is the biggest mistake Edna has seen in the multi family market by investors Your first investment will be your hardest, but it gets easier Why she's purchased 'turn key' and fixer uppers Who is Edna getting financing from How she has helped her students set up REITs The role of DUE DILIGENCE on the purchase process WHERE Edna finds co-investors Her best advice on how to scale to multi family investment properties Why you have to 'think differently' when you are using other people's money and doing multi family Why continuing education/learning is VITAL for success Edna believes 'If you're going through hell, keep going!" Why she tells her students you 'can study (investing) until the cows come home, but there's nothing like a real, live deal!' TAKE ACTION Why Edna offers free Real Estate Coaching Fridays, and Mindset Mondays to her members! And MORE! Edna's Bio Edna Keep's journey from single mom at age 16 – living in subsidized housing with a daughter in subsidized daycare - to multi-millionaire Real Estate Entrepreneur and Coach inspires others. Her major operations are longterm buy-and-hold rentals apartment buildings. Her claim to fame is a $65 Million real estate portfolio built with "Other People's Money." A proponent of education and inspiration, Edna offers live training with her Free Real Estate Coaching Fridays and Mindset Monday live events on Facebook each week. Website/contact info for guest Web: https://ednakeep.com or https://ednakeep.com/90daysto5k Facebook: https://www.facebook.com/coachednakeep Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca hashtags for this episode #realestateinvesting, #poverty, #success, #mindset, #mentoring, #coaching, #millionaire, #multifamilyhomes, #RobertKiyosaki

Gary chats with Sve Pavic, who has created a multi-million dollar real estate empire using NONE, that's $0 of his own money - not a penny! Even his first property that he purchased at age 24 after arriving in Canada used other people's money. Sve also shared his 'house hacking' program; how RE investing has created a life of freedom for him; private lending; how to spend your money when renovating a rental property; how student room rentals is his 'bread and butter'; and is ROI (Return On Investment) or ROT (Return On Time) more important? How can a Yugoslavian refugee to Canada create this empire? You'll have to listen to find out how HE did it, and how YOU can too! WHAT YOU'LL LEARN: * What is 'house hacking', 'credit hacking' and 'rental hacking', and how YOU can use it to get YOUR first property * How he convinced people to loan him money to buy his first house, and every other property since! * How watching his parents lose everything, including their life savings in Yugoslavia 'changed' him * How he watched his parents' relentless drive rebuild everything * How his parents first got into investing * How side hustles helped with cash flow during his time in University * What caused him to rent the cheapest apartment when he moved out of home as a stepping stone to investment properties * Why you DON'T need your own money to purchase any property * Why he educated himself through courses and books * Why a home is a liability but can be an asset with leveraged to provide cash flow * Time and Freedom are more important than $$$ * The goldmine of student rentals in college or university towns * Why he doesn't like turn-key properties or condos * Why Sve will overpay if a property meets specific criteria * How he makes 13-16% every year in appreciation, and makes $400,000 in PASSIVE income each year * How he renovates strategically to increase a property's worth * Why he's now using private and second lenders to buy more properties * Why joint ventures are not appealing to him so far * How he's raised over $1,000,000 in lending out money * What Sve is afraid of * And MORE! Sve's Bio Sve Pavic is a 7 figure real estate investor who has a multi million 💲💲💲 real estate portfolio and multiple six figure passive income streams using $0 of his own money. Sve has raised over a million dollars in cash in private money using his personal social media profile with $0 spent on advertisements. He achieved financial freedom by 28 years old and now shares his teachings on his "Rental Hacking" method and how anyone can achieve financial freedom through real estate without using their own money. Website/contact info for guest Web: https://www.rentalhacking.com/webclass Facebook: www.facebook.com/groups/rentalhacking Instagram: https://www.instagram.com/svepavic/ Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary chats with Elizabeth Kelly, a Kirkland Lake-based investor and property manager company owner Gary met back in 2012 at the Investor Forum, and this chat was a catchup to see how her life has evolved since then. Elizabeth wears many hats, as she also is a coach, consultant, a mortgage agent and is also an owner of a rent-to-own company. She is a former trainer at Rich Dad, Poor Dad, so has a vast knowledge of many investment models as well has having a strong investment and money mindset. WHAT YOU'LL LEARN: What's happening in the market now according to Elizabeth, and where she sees things going She has OVER 400 doors in Kirkland Lake, and how she got there Why 'there's no room for failure' What's going on in the Kirkland Lake market The mistakes she made before getting proper education on investing Why she struggled in 2013/2014 and how she recovered Why mindset books changed her view, and her life! Your success is 'the decisions you make with the mindset you have' What she found that made her passionate and made her happy Why 'doing something for someone other than myself' was the key to PURPOSE She may be an entrepreneur but she helps people which gives her life satisfaction She started with Rent to Own, and helped many families buy their first homes Why Kirkland Lake is a very stable market Why printing money to support the economy helps real estate Are condos still a good thing to invest in? What other options are out there besides JV (joint venture)? While they are property managers, and they could attempt repairs themselves, they hire professional contractors Why you need the RIGHT strategy for the right market Why you need the RIGHT strategy for YOU and your lifestyle Why you need the RIGHT team member for your chosen market - don't shop for properties in Vancouver with a Toronto specialist Why Gary is a fan of "Do it, Defer it, Delegate it, Delete it…" Why real estate success more than $$$ earned, but should be measured by lives you've changed and how you feel doing it Elizabeth's final piece of advice that is CRITICAL And MORE! Elizabeth's Bio An experienced real estate investor for more than 15 years, Elizabeth Kelly has a passion for helping people achieve their financial dreams through the purchase of investment properties. Elizabeth specializes in the acquisition and management of Rent to Own and multi-unit residential properties. In 2010, she and her husband opened Sandstone Management, a full-service property management company. They are now the largest rental housing provider in Kirkland Lake, Ontario. Elizabeth recently opened EK Consulting and Coaching to assist both new and experienced investors plan, structure and creatively finance their real estate portfolio so they can enjoy early retirement and leave a legacy for their families. Website/contact info for guest Web: www.EKConsulting.ca Facebook: https://www.facebook.com/EKConsulting.ca/ Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary chats with Rene Masse, a Kingston Ontario based real estate investor, speaker, entrepreneur and contractor who has been crushing the market for years. Gary's FB post asking for recommendations for the Kingston area came back unanimously mentioning Rene! Gary and Rene chatted about morning routines, how to set your day up for success; the role of positive mindset; the 2 unit conversion process; what the Kingston market looks like right now, after having caught fire in 2018, and more. Rene describes himself as a 'man with a voice', who occupies many different roles, including property manager. WHAT YOU'LL LEARN: Why morning routines can jump start your productivity and set you up for SUCCESS! Why it's NOT 'timing the market', it's 'time IN the market' that leads to massive real estate wealth Why Rene's eyes opened at age 14 about the difference between 'work' and real estate investing How growing up with tenants help him refine his people skills and decide to start a property management company Why he feels first time investors should learn how to screen tenants Why the *right* property management/manager is CRITICAL Why you either 'manage your tenants, or manage your property managers' Why real estate investing is 'more about people…' than bricks and mortar Why Rene needs structure to his day, but the best way is 'to create your own structure, and the best time to do it is first thing in the morning' During this pandemic, Rene feels it's important to 'feed your body, exercise but also feed your brain!' Why consuming social media before positive thoughts can start your day out on the wrong foot Why both Rene and Gary are 'selfish' in the morning, spending time building themselves up with exercise and brain food Why faith and belief help you build something that is not there yet - real estate empire, lifestyle, etc Why what you believe manifests as reality Why YOU should read the 7 Habits of Highly Successful People The vacancy rate, price points of real estate and rents of the Kingston market REVEALED! The costs of converting to a 2 unit Why immigration is a key to success - Kingston is a hot market because of schooling or lifestyle Success is 'focus and self-discipline' And MORE! Quote from Warren Buffett: "Be greedy when people are fearful, and fearful when people are greedy." Rene's Bio After the 2008 stock market crash, René was fed up with volatile markets and poor returns on his retirement savings. In 2009, René acquired training and licensure as a real estate investor and began purchasing investment properties while continuing to operate his business as a contractor. Over as little as 5 years, his monthly cash flow grew substantially so that he was able to significantly reduce his time spent at work in exchange for time spent with his family. René has since supported friends and family members in their own real estate investments for similar high, stable returns. Website/contact info for guest Web: www.renemasse.com or https://www.getbetterreturns.ca/ YouTube: https://www.youtube.com/channel/UC4Dg6T_v790FSizV4q48qug?view_as=subscriber Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary chats with Aflonso Cuadra, in a spontaneous, off-the-cuff MUST-LISTEN-TO podcast! Aflonso is refugee from El Salvador who survived TWO civil wars, ended up homeless living on the street in Canada, had a daughter when he was 17, started a business, had a million dollars in his bank account, partied heavily and almost went broke, got into real estate investing, and the rest is history. He now has 500 doors and is on his way to his goal of 7500! They talked about market conditions, monetary policies, how he predicted in March and April that market would go up - he has been the only person Gary interviewed that saw the market going up. DO NOT MISS THIS INFORMATION PACKED EPISODE! WHAT YOU'LL LEARN: What it takes to be successful! How to ARMEGEDDON-proof your business! The power of HUSTLE - grinding out extra hours to SUPERCHARGE your success The difference between PROFITS and wages The difference between being rich and being WEALTHY Shaquille O'Neal said "I'm rich, the guy that signs my paycheque, he's wealthy!" How YOU can overcome obstacles in your path, just like Alfonso did, including reading "Rich Dad, Poor Dad" & "Think & Grow Rich" The MENTORSHIP he asked for His goal is 7500 doors in the next 5 years, he currently has 500 Why "the biggest WEALTH TRANSFER in the history of mankind is coming our way…" "Making money is ONE component of building wealth, you need to know what to DO with your money!" "You can be a (well paid) doctor, but it you don't understand the basic fundamentals of financial literacy, you will be working FOREVER!" Alfonso was and IS really good at MAKING money, but *had* trouble KEEPING it before learning financial literacy There was NO financial literacy in his family He understood and applied manifestation and Law of Attraction Why his first business at 17 helped him discover the POWER of PROFIT Why he tried to get a job at $5 per hour, but this could not support his family Why he chose not to listen to naysayers about not having the skills to start his own business How he raised $2700 from investors at AGE 19 How he created Canada's #1 urban clothing store that did $1,000,000 in sales yearly in a short time, and took it CANADA wide by age 21 How his spending habits and lack of financial literacy lead him to almost lose it all He continued to borrow money and party in his new home of Miami while his supply chain disappeared Bankruptcy was presented as his only option! How he worked his ass off to avoid bankruptcy and having to start over, working 9-9 on his zero-income company, and working from 9p-1 on his WEALTH How he REDISCOVERED his purpose! He's now doing JV's for BRRRR as well as using his own money And MORE! Bio Alfonso Cuadra is a dynamic leader that's passionate about sharing his story and inspiring others to create the life they want and to never give up on your dreams. He truly is in the business of changing lives and has a special gift in his ability to connect with people and move them forward. He is President/CEO of The Cuadra Group of Companies. Founder of The Cuadra Youth Foundation A Real Estate Investor with 21 plus years Experience and a Multi-Million dollar portfolio across Canada He has shared his story with thousands of audiences around the world Featured in Reader's Digest which did a 7 page profile that was published in 16 different countries in 5 different languages Author of the book "From the Ground Up-Your 3 steps away from living the life of your dreams" you can pick it up on Amazon HERE ==> https://amzn.to/34eQjFZ An Award wining Business & Real Estate Investing Educator, Trainer, coach, and mentor to thousands of students across the US and Canada Website/contact info for guest Web: www.AlfonsoCuadra.Com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary chats with master content creator Jas Takhar, who Gary calls the Canadian Gary Vee, and he's built an incredible business called REC Canada. Founded in 2000, REC Canada is a multiple award winning leader in real estate sales and consultation. He has 39 real estate agents working for him, and 10 full time employees. Many new investors don't take it seriously enough, and that they are building a business. Listen to Jas' story of success. What you'll learn: * How as a full time investor you NEED to understand what to delegate! * Why you MUST take investing seriously as a business * How Jas gets his staff to buy into his vision * The role positive MINDSET plays in his success * Pre construction condos, and why he likes them * Why at his core he considers himself a 'sales and service specialist' * The more you learn, the more you realize how little you know * Why Jas commits a lot of time daily for learning * He became an agent at 23 and bought his first investment property at 26 * Why at age 28 he began to focus his business around investors * Why his parents renting their basement out helped him understand expense offset * Why his family cherry picked the best tenants * Why they treated their tenants like family * Why having tenants showed him how THEY pay the mortgage down, and THIS leads to value going up! * How one of his podcast guests has 750 doors! * Why ONE PROPERTY can change your life! * Why (the reasons) he LOVES pre-construction condos and is focussing on those, but still looks for JV, multi family, etc * Why immigration numbers will drive condo prices again in Toronto proper * 3.2 million people will come to the GTA in the next 10 years * Why inventories are high and resulted in a buyer's market currently * You have to think of real estate investing as a business * Why you shouldn't panic during downturns * Ways to pivot as an investor during COVID times * 100 years of data show prices will dip but they ALWAYS go back up * How he was able to scale his business * Why when he wants to do something, he reverse engineers someone doing it successfully * And MORE! Bio Toronto native, Jas Takhar, has been in the sales and service industry for over 25 years. Soon after deciding to try his hand in real estate, he co-founded the REC, and in the course of 15 years, has successfully propelled his team to the 1 st place position in Canada under Royal LePage. With 34 realtors and 10 support staff, the team advises and assists over 700 buyers, sellers and investors, yearly, across the Greater Toronto Area, resulting in a total of over $1.5B in transactions. Jas' area of expertise is in helping investors build out their real estate portfolios. Wanting to share his knowledge and experience with the masses, he wrote a book titled Real Estate Intelligence , which teaches others how to buy or sell real estate on their own. Furthering his pursuit to educate and motivate, he now hosts one of the top business podcasts in the country, the REC Experience; here he interviews guests who share their success stories on real estate investing, entrepreneurship and leadership. He also hosts a daily Instagram Live show called "Nite Cap with Jas" where he answers his follower's most frequently asked questions. His hope is to provide inspiring content to aid others in removing the friction for their own life, in order to help them get from where they are to where they want to be. Website/contact info for guest Web: https://jastakhar.ca/ Facebook: https://www.facebook.com/profile.php?id=1217363094 Instagram: jastakhar13 Text Community: 647-372-0126 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary chats with Chris Hummell and Quinton Cordick, valued members of the SmartHomeChoice team! All three bring different skills and flavours to what they've built. Both Quinton and Chris are realtors and investors, they are experts in both the Durham and Peterborough markets. Gary gets the 411 on what it was like for both to leave their 9-5 jobs and be investors full time, because it's a scary transition as Gary can attest to! They also touched on the biggest mistakes investors make, what it takes to be successful, and what's happening in both Durham and Peterborough. What you'll learn: * How Quinton and Chris transitioned from full time day jobs to full time investors! * How you can SHAKE OFF your fears and become an investor * Some of the BIGGEST mistakes they've seen investors make! * What it takes to be a successful investor * What's happening in Durham Region and the Peterborough area * Why lack of promotions led Quinton to examine what else he could do * Why Chris wasn't passionate about his day job…actually, NONE of them! * How some seminars helped focus their passion * Why ONE BOOK, which is mentioned in the podcast changed Chris' life! * Why Quinton left a 6 figure job after his wife had left her secure job * Why Gary started SmartHomeChoice in 2010, and why he left his job in 2014 * When their mindset changed, deals and partnerships started appearing * Why SmartHomeChoice engaged the city to amend bylaws to expand housing * Why Peterborough has "a lot of runway left" for investors * Why people are STILL buying across Ontario * Why you need a STRATEGY for investing, that will help determine WHERE you invest * Why 'the prices are too high!" is relative, as the prices will be higher next year, so ACT NOW! * Why house flippers are 'doing a job', and investors are 'building equity'… * Why SmartHomeChoice has been running webinars and Mastermind sessions for years to help investors * Why some learning is free, but some should be paid for * There is no magic pill, it's baby steps EVERY DAY! * Why not all advice is good advice! * Why the news only reports on the challenges of investing, not the success stories! * Why planning is important! * And MORE! Bios Quinton is an established Real Estate agent with 10+ years of solid experience. He recognizes every real estate transaction is a major financial event in his client's lives. He prides himself on careful attention to each client's unique set of needs by delivering the services required to fully represent his clients with honesty and integrity. After graduating from York University with a Bachelor's degree in Mass Communications, Quinton went on to work in the field of Communications. It is there where he honed his interpersonal and communication skills which he has carried forward into the world of real estate and investments. Quinton enjoys staying active through playing baseball and basketball. He is also a dedicated husband and father to his two children. Chris has been investing in rental properties for near a decade. He is a full time investor and a full time real estate agent. Over this period Chris has contributed to various projects and has worked with some of the best in the industry. Having won several real estate awards himself and being profiled in several RE Investment magazines and articles, he continues to contribute his knowledge and experience with web articles, videos, seminars and events. Chris has a background in sales, public speaking and marketing. He prides himself on his people skills and aspires to teaching others how to achieve their financial goals through real estate investing and taking action. One of his personal goals is to mentor disadvantaged youth to show them that anybody can be successful and achieve their dreams. He has a family with two beautiful young children whom he adores and loves to spend time with. Website/contact info for guest Web: www.SmartHomeChoice.ca Facebook: https://www.facebook.com/smarthomechoice Instagram: https://www.instagram.com/realchrishummell Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca To learn more about Gary's mentorship program, visit https://garyhibbert.ca

Gary chats with Jared Henderson, a real estate investor from the Montreal area. Sometimes investors get nervous investing outside where they live, but Jared has had great success as an investor since 2012 in Hamilton, Niagara Falls, St. Catherines and numerous properties in the Peterborough since 2017. They talked about how an investor should not do this on their own, but surround themselves with a core team of talented professionals like tradespeople, that you need to help ensure you DON'T fail. He specializes in student rentals, and Gary and he took a deep dive into the future of student rental space. What you'll learn: Why you need a core team of professionals like tradespeople, lawyers, etc to help ensure you DON'T FAIL Don't be afraid of investing outside of where you live, and HERE'S WHY YOU SHOULDN'T BE AFRAID How "Rich Dad, Poor Dad" changed his life Why investing in real estate offers more possibilities and benefits than commodities How he initially considered real estate investing a part time gig Why his first investment property in 2012 was in Niagara Falls Why he chose Ontario to invest in How he educated himself about the markets he was investing in, to determine WHY his properties were appreciating The unique benefits and challenges of investing in student housing Why he considers real estate a 'puzzle', and when you puts the pieces together it turns into something beautiful MOST investors start with ONE property, and how they move to multiple properties! What systems he's put in place to manage his properties from Montreal The PROS and CONS of managing properties from another location Why You NEED an Investment Focused Realtor! How tools like cash flow, proformas, neighbourhood information, vacancies, affordability, jobs, etc. help you determine if you should buy a property What is the "evergreen strategy"? What are the 3 things to consider with a basement unit? Why you need to be aware of the flood plane before you renovate the basement And MORE! Jared's Bio Jared is a real estate investor from the Montreal area. Sometimes investors get nervous investing outside where they live, but Jared has had great success as an investor since 2012 in Hamilton, Niagara Falls, St. Catherines and numerous properties in the Peterborough since 2017. He has been focusing on housing for students, but has also gotten into joint ventures. Website/contact info for guest Web: www.HatleyFunds.com Instagram: https://www.instagram.com/jaredh55 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats with good friend Georges El Masri! Georges is a fellow investor with numerous properties (12 doors), a real estate agent and podcaster with the Well Off podcast! Georges primarily works in the west end of the GTA. Gary was previously a guest on Georges' podcast, and he has an incredible story. Georges' parents had to flee from Lebanon due to civil war in 1989, and they moved to Toronto to start over. Georges learned from his father about being an entrepreneur. Gary and Georges touched on the market, what Georges is personally seeing in freehold properties, condos, etc. They also discussed digital currencies, why it's important to learn from the past, as history doesn't necessarily repeat but leaves clues and rhymes. What you'll learn: How he got 12 doors in 3 years! He felt it was a slow growth, but he has 12 in 3 years, which is incredible! Why it's important as an investor to use an agent that is more than familiar with an area, but invests there themselves! Why his dad hated his job, and how that affected Georges Why his own dislike of jobs after university pushed him into real estate - he felt he couldn't grow and was 'stuck' Depression is like 'not growing' for George, when he feels he's repeating himself Anxiety is worrying about future 'problems' Georges' 4 year journey from getting his license to buying his first investment property Why his broker's unexpected request for an additional 10% on his deposit changed everything, and forced him to buy this first property How raising capital plays into his aggressive expansion plans How some investors don't put their own capital in to JVs (joint ventures), their partners qualify for the mortgage yet they own it 50/50 Why he property manages all new investments for 2 years, then offloads them to a property manager Why 4-6 unit buildings are his next strategy Why some banks treat multi units as residential and NOT commercial How commercial mortgages can allow more money to be borrowed Off market opportunities are on his radar as well The mistakes that investors make in multi family units - fire code inspections; bed bug infestations, etc Why Georges still uses a coach, who has also helped him avoid pricey real estate mistakes Why condo rents are dropping as well as their values Will rates stay low and will stimulus money continue? And MORE! Georges' Bio Born in Canada after my parents fled the civil war in Lebanon. They sacrificed their home to give their children a better life. I grew up with an inherited survival and partly scarce mindset. With that said, I was also gifted an entrepreneurial spirit and a hunger for a better life. I strive for financial freedom through real estate investing. Website/contact info for guest Web: welloff.ca welloffpodcast.ca Facebook: https://facebook.com/georgeelmasriwo Instagram: https://www.instagram.com/welloffx Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats with good friend, mentor and owner of Butler Mortages, Dave Butler. Butler Mortgages has consistently been the #1 mortgage brokerage across Canada for the past 3 years in a row! Dave also had a huge impact on Gary, and has helped in various ways, including the startup of Smart Home Choice and helping him get started in private lending. What you'll learn: How Butler Mortgage grew to be Canada's favourite It's not always about the lowest rate! What will happen to interest rates? Dave's opinion of current and future market conditions If you are new to investing, is THIS the time to jump in, or hold off? Dave talks about the stock market, and some of the cannabis stocks he's been dabbling in The election (as of Oct 29 when this was recorded) and how it has factored into the markets depending on who won The evolution of the Canadian real estate investor How Dave's first gig in high school as a bookie factored into his future Why he started getting into mortgages as it felt good to help others with the biggest financial challenge of their lives How he cared about what people thought of the process of working with him Why when he worked with his dad When he went out on his own with another agency, how he built a stable of real estate agents He did $17 million in his first year! His team will likely hit $500 million this year! How his team has adapted to working during pandemic times Why he's been referral only and does no advertising Why you have to plan out your mortgage applications, and go to banks in a certain order - why Butler does this If you want multiple properties, you need a plan, it's going to be an experience, and you need to work with someone who knows how to get to the destination If your mortgage agent isn't passionate and excited about your journey as an investor, you need a new agent Why companies will have to innovate & evolve, and won't sit still during COVID Why urban condos are emptying and why they'll continue to empty Why the Toronto condo market may come back, and may present an interesting opportunity for someone that con handle risk Supply and demand is at play Why work from home will be the standard going forward… Why he has an interest in cannabis stocks - he's not a 'stock guy' but is a value investor in many sectors Why work life balance is important, as Dave had a heart attack at 39! And MORE! Dave got started in mortgages at 23 years old after attending the University of Toronto. His parents and Brother are also in the mortgage industry. In Dave's 1st year in mortgages he was named the Canadian Rookie of the Year and since that time his business has grown leaps and bounds, he currently holds the title of Canada's #1 Ranked Mortgage Broker by Volume for the last 3 years in a row. Website/contact info for guest Web: www.bmselect.ca Phone: 1-888-684-8326 Facebook: https://www.facebook.com/BMSelect Instagram: @BM.Select & @DaveButlerMTG Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats with friend and fellow investor Sarah Larbi. They've done several podcasts and webinars together, they touched on market predictions, but the focus of this episode is cottage properties. Sarah bought a short term rental cottage, sight unseen and has done well renting it out, but she provides some indispensable information on purchasing a cottage, whether it's to create income or provide a place of rest and regeneration. She spoke of due diligence, ensuring the property is suited to your needs and avoiding issues later. Sarah also managed to purchase 9 properties by age 33! What you'll learn: ¥ Gary provides a current market update - what does rolling back to a modified Stage 2 mean to investors, and the markets? ¥ Why Sarah, in a former life as a financial planner, determined that investing in mutual funds, etc. because the commissions took all the profit ¥ The banks want you to buy their mutual funds because of commissions and fees, and don't have your best interests at heart ¥ Sarah rents her cottage during July and August for $550 per night for 4 bedrooms, 7 night minimum. If it's rented every night of a month it will be $16,500 for the month! You'll make your money back buying a recreational cottage in Ontario ¥ Long weekends can make even more ¥ You can get bookings in May, June and September at $350-$400 per night ¥ Long weekends or March break will be shorter rentals ¥ Why 'your network is your net worth' ¥ Why a 3 season vs. a 4 season have differing down payment amounts! ¥ Proximity to a town for supplies ¥ Proximity to a larger city for renters ¥ The more bedrooms the better ¥ If you have 4+ you can rent to two couples ¥ Cell coverage and internet is HUGE ¥ Ensure you have the correct number of supplies to match potential renters (10 guests max, 10 glasses, etc) ¥ How private is the cottage and property ¥ Does the value of the cottage and property increase on open lakes vs. closed lakes? ¥ Deeded land vs. leased land, and why appreciation may be slower ¥ Leased land and rules of use ¥ Septic systems vs holding tanks ¥ Drilled wells and dug wells ¥ Do you manage the property yourself, or hire out? ¥ Cleaning and prepping for visits, groundskeeping ¥ Security cameras for safety and security - being able to unlock the door, arm the security system and adjust the heat ¥ Why Air BnB is the tool Sarah uses for rentals, and why you may need to qualify differently ¥ Are you BRRRR-ing, or flipping? ¥ Why 16 weeks is the magic number for rentals ¥ Main road vs. side road and are there maintenance fees ¥ And MORE! Sarah's Bio Sarah Larbi had the drive and focus to embark, build and grow a seven-figure, 10 property investment portfolio by her early 30's, all whilst full-time employed. Known as the BRRRR Expert, her results-oriented approach has been featured in numerous Canadian media, on the stage at events like Canadian Real Estate Wealth Investor Forum and as a guest on many North American finance-focused podcasts. Sarah hosts her own podcast "Where Should I Invest?", which reached the Top 50 of All Time for Canadian Investing on Apple podcasts and is also co-founder of The REITE Club and co-hosts their own successful podcast. Website/contact info for guest: https://sarahlarbi.com/podcast-home/ Instagram - investorsarahlarbi Website - www.sarahlarbi.com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats with Edmonton-based Wayne Hillier, host of the Real Estate Investor Dad Podcast. He has been an investor with partner and wife Gabrielle since 2013. Gabrielle leads the investment team, while Wayne primarily focusses on the podcast and mentoring, while their 5 year old daughter plays a big part of this business! They have successfully integrated their business and their family life, to ensure that the work/life balance is in check. They started with Buy/Hold, then moved into Joint ventures, then adding secondary suites, then into Agreement for sales, etc, leading to a large toolbox of strategies implemented daily, that turned into a nice portfolio. For Wayne now, it's all about Work/Life balance and helping other investors turbo charge their entry into the investing arena! What you'll learn: Gary provides a current market update - what does rolling back to a modified Stage 2 mean to investors, and the markets? How YOU can get into investing with NO money down, and ZERO credit! What's happening in the Edmonton market They chatted about VTB's - Vendor Take Back mortgages Agreements of sale and how Wayne uses them to his advantage Suited properties vs. Duplex Wayne provides insight on the benefits of mindset (a recurring theme on this show!) Why you should also listen to Wayne's show, to just learn about trends and market performance in other markets Why your experiences in your local bubble might change your perception when learning of other market experiences Why a lot of new investors have the same or similar excuses and how they have overcome and persevered to SUCCEED! - What did they do differently to succeed, and what you can learn from it. The power of networking, hanging out with successful people and mirroring their successes, and learning from their failures Why Wayne feels the Edmonton market is not 'sexy' but predictable! Why Wayne focusses on cash flow - expenses, deferred maintenance, if you don't have cash flow or a reserve fund like a normal business, you'll have to put out your own money and potential set you up for failure! Treat it like a business, even if you only have 1 property and it's a 1 bedroom condo They talk about rents in Edmonton as well, and the costs of renovations Coaching and mentoring - what's the difference? Why does Wayne love one and 'hate' the other? BE CLEAR on what you want at the end - WHY are you investing? How many doors do you want? Focus is everything Find out more about Wayne's mentoring retreat in November at the link below! And MORE! Wayne's Bio Wayne is a real estate investor, a dad, and a podcaster in Edmonton, Alberta. Specializing in creative investing strategies like Agreement for Sales, Rent to Own and VTBs. He's also the founder and CEO of Murabaha Homes. Canada's only Sharia-Compliant, Islamic Seller Financing Institution. Website: www.murabahahomes.com & www.prairiehomeinvestments.com Retreat: www.rei-cabin-retreat.com/register Facebook: www.facebook.com/waynehillier Insta: @real.estate.investor.dad Real Estate Investor Dad Podcast: https://podcasts.apple.com/ca/podcast/real-estate-investor-dad-podcast-investing-investment/id1474403526 Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary and guest co-host Christopher Hummel chat in this episode with good friend Ryan Carr, an investor since 2012 and investor coach who has evolved big time since Gary first interviewed him. Ryan always has about 7 or 8 projects going on at any one time, including being in the middle of authoring a new book called, "The Best & Highest Use Playbook". Ryan understands the market like few do, and knows where to find great opportunities. Ryan is focusing right now on flips, wholesaling and new development. Gary and Ryan also discussed the "Napkin Formula", a technique to quickly analyze a deal very quickly to determine if you'll have a gain or a loss with any property. Too many beginning investors do not know the numbers, and either fail or get lucky with return on investments, so TUNE IN to learn about this quick and indispensable tool! What you'll learn: How his upbringing played into his career choice, as his dad was entrepreneurial Money was NOT a topic of conversation growing up, and knew how hard his parents worked NOW money is a topic with his parents, and they are curious about his real estate investing A long discussion of the 'victim card' and now it relates to real estate investing Ryan says the 'victim card' is desire, not about how much money, or time - "if they don't have the time, they are really saying they don't have the desire" If you have time to watch Netflix or sleep in - your 9 to 5 is what starts making your income, but your 5-9 is what will get you ahead - what book are you reading, what extra shift are you taking, what business are you researching, WHAT are you doing with that time? Facebook is a HUGE time suck - just absorbing other's content - you HAVE to put out your own! Ryan's take on the market - stick with what you know Why Ryan believes a downturn in the market shakes out all the people not in it for the right reasons, and why it creates buying opportunities The difference between rural and city/suburban markets Why the higher end homes may be affected if the market shifts If there is a hiccup or dip in the market, government stimulus will likely prop the market up - the government doesn't want homes Why real estate is the safest place to hold money, even during a crisis or pandemic Why supply and demand is in full effect now How he manages multiple projects at the same time, and what he does if he overbuys How he left his 9-5, and what he was doing with HIS 5-9 every night How his book "The Highest & Best Use Playbook" helps him determine the best use of the land, structure and the best use of his skills Keep the house or take it down? If he keeps it, rent or flip? If renting, renovating or keep it bare bones. 2. If the house is taken down, what is the best use of the land. 3. Does he have the skills to pull this off? Where is he finding the time to write a book?! Why real estate investing, buy and hold, is like buying your own ATM that never runs out of money What are the criteria Ryan uses to help people determine when to leave their full time job to become full time investor, when it costs you money to work And MORE! Ryan's Bio Ryan Carr is a full-time real estate investor from the Greater Toronto Area. He specializes in finding the highest and best use of real property, and coaching other to do the same. Ryan has been known in the past for his knack at finding "hidden opportunity", and is also a regular contributor to Canadian Real Estate Wealth Magazine. For a copy of his new book, go to www.TheHighestAndBestUse.com Website: www.TheHighestAndBestUse.com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this episode with good friend Mandy Branham, an investor and CEO of Solutions Driven who has experienced tremendous growth in the past few years and built an incredible investment portfolio. Gary and Mandy discussed the art of creating the life and lifestyle you desire, through investing, joint ventures, attracting money for JV, and that it's ALL about the mindset and the belief in yourself! They also discussed the current market conditions, where things may be headed according to Mandy, and if you're a potential investor sitting on the sidelines whether now is a good time to get into the game. The advice shared in this podcast from Mandy can kick start ANY investment portfolio! Gary's quote for this show: "Haters are people that have forgotten their own dreams." – K. West. TWO of the most important gems dropped in this podcast are here: "WHY YOU CAN'T SAVE YOUR WAY TO WEALTH!" & "Don't let someone with a $40,000 income deter you from your Million Dollar goals!" What you'll learn: How Mandy adapted to the new situation, both personally and professionally How real estate is one of the top basic needs, and the industry is more robust than ever Why Mandy describes herself as pulling the cart and carrying the horse Why action is very important to her and delivers results Why a good support system and team (accountant, lawyer, etc) are a must for success Why there are many investment strategies but she has chosen just one Why 'win/win' doesn't mean an entirely painless process, and there may be discomfort It may cost more to get a property, but if it results in a gain for you, then it's a win What are the traits needed to attract joint venture money Why you need an 'abundance mentality' to THRIVE and succeed Mandy: "Realize there is more money out there then there are people with proven strategies and track records to be able to put that money to work!" How to create an ideal joint venture avatar Why a vision for each property will help you make sure the asset performs Why your mistakes can be used as excuses or a platform for change Why joint venture partners value mistakes and learning – experience! How past resilient experiences can help you cope with future challenges Why Think & Grow Rich was a turning point She was learning during her commute and why everyone has time for this Why you need to choose and declare a portfolio value – why Mandy's is 50 MILLION The difference between an active and a passive investor, and why motivation is important Three questions: 1. How do I buy this? 2. How do I change and add value? 3. How do I sell this? Can you qualify for an A lender? B lender? Vendor take back? Joint Venture? What you might think is a deal breaker might actually not be… Don't let someone with a $40,000 income deter you from your Million Dollar goals! How $100,000 and 3 years got Mandy 6 doors and a 48% return on her money!! And MORE! Mandy's Bio Mandy Branham CEO of Solutions Driven is a hard-working entrepreneur that realized back in 2007 that she was working hard to make others rich and she was just simply getting by. Mandy is a Wife to Larry, mother to Megan and Jacob, daughter and sister. She is a great listener, straight shooter, no BS kinda girl. From the outside she is confident and strong. From the inside she is, like many others, still finding the inner self-confidence and self-love. Mandy is a dedicated community supporter, providing many services and giving of her time on boards and committees to better the future of her town. Mandy has appeared as a panelist at the Investor Forum – Toronto Ontario – speaking on Joint Ventures and the Joint Venture Agreements. Mandy has also been a Guest on "THE EVERYDAY INVESTOR" SHOW hosted by Rav Toor along with several other local Real Estate Investing Podcasts sharing her expertise about Joint Ventures and Create Deal Structures to help expand a portfolio. Facebook: https://www.facebook.com/solutionsdrivenpropertygroup Instagram: http://instagram.com/J_v_Queen Website: https://Mandybranham.com Podcast: The Full Time Investor Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this episode with Andrew Hines, a real estate investor and fellow podcaster. Gary has learned a lot from Andrew over the years. They talked about what's happening in the condo market and what changes are taking place; inflation and the printing of money; what that means and where you should be putting your money; why some investors are experiencing some issues; what should you NOT do right now; why there's no ONE Golden Rule for investors; and Andrew's predictions of the next 3-6 months! Andrew got involved with with real estate as it could give him the life he dreamed of, coming from a family home where his parents struggled. What you'll learn: How his upbringing played into his career choice His friends were living in student rentals and why he chose that and the difference it made in peoples lives The landlord has 80 units paying $500 per month! How when he compared this investment to his dad's salary, he realized it was double his dad's! He dabbled in US investing, development and why he moved on from them He's still in building materials Why the 'work hard all your life and retire on a pension and CPP' no longer works, and is an outdated theory What reasons made Andrew want to pursue investing How he bought his first two properties in the first year, when he was 24 He ran out of money, how did he get his next property? How a Heritage Control Bylaw derailed his plans What was his Plan B because of this What happens if you are losing money on an investment What Andrew thinks will happen in Toronto w C19 What's happening with commercial real estate, and how some are changing to residential Why condos above 5+ floors are selling less quickly What's happening with the cottage market on the low and high end What's the difference between nominal and real GDP Have we had real economic growth since the crash of 2008 Why business continues to be bailed out, and how it hurts every Canadian How building material costs have skyrocketed, affecting starts and prices What is Andrew's favourite investment strategy right now? Why our education system is not geared towards questioning and learning, but merely memorization And MORE! Andrew's Bio Andrew Hines is a real estate investor from Burlington Ontario and he's primarily invested in London Ontario. As of the time of publishing this video Andrew has a approximately $4,000,000 in personal real estate holdings and aspirations of growing his personal cash flow to $20,000 per month. Andrew promotes the use of the BRRRR method to achieve financial independence and he has become quite proficient in construction management, building and development due to his value-add approach to real estate investing. Andrew owns several companies, including a construction general contractor, and has built out multiple investment property units in Southwestern Ontario Canada. The Andrew Hines Real Estate Investing Podcast - https://linktr.ee/theandrewhines Facebook: https://www.facebook.com/theandrewhines Instagram: https://www.instagram.com/theandrewhines Website: http://www.andrew-hines.com Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this episode with Mark Loeffler, a real estate representative, author and award-winning investor! Gary and Mark sat down to discuss his almost two-decade journey as an investor, and Gary considers him one of his earliest mentors. Mark was a master at 'tenant first' vs. 'property first', which Gary explains in the intro. Not only is Mark an investor he's also a mentor, helping many grow their portfolios. He currently holds over 200 residential units and shows no sign of slowing down. He's purchased rent to owns; fix and flips; and many more real estate approaches. He's been in the game so long, he actually bought a duplex in Toronto for $280,000! What you'll learn: Mark's opinion on what will happen with the market once deferrals come due When will the fallout happen, or will it happen at all What were Mark's biggest mistakes How anyone can makes the same mistakes as Mark and yet be incredibly successful The funny story about Mark's very first investment property How DID he actually get his first property How Mark currently has OVER 200 RESIDENTIAL UNITS! Which family member inspired him to open his eyes to real estate investing What prompted him to leave his last corporate job and migrate to investing Why his 'tenant first' approach is better for the tenant and the neighbourhood A market update as to when the podcast was recorded Why the cottage market is so hot right now, both Muskoka and Kawarthas Why the population will grow in Toronto, and is there enough housing for them? Why a commodity like lumber is delaying housing starts How supply and demand are affecting housing and prices, both for sales and rentals What is "Google, guns and butter economics" Is there a possibility of negative interest rates here in Canada? When does Mark think rates will go back up? Where, geographically should we invest? Why Mark no longer uses his own money to buy properties! What property he should have bought that would have made him $400,000! And MORE! Mark's Bio Mark Loeffler is real estate sales representative and award-winning investor who has been featured on multiple media outlets from radio and TV, to various podcasts across the US and Canada. He is the best-selling author of two books 'Investing in Rent to Own Property – A Complete Canadian Guide', and 'Fix and Flip for Canadians', co- authored with Ian Szabo. In addition to personally owning over 200 residential units, in 10+ years as a licensed real estate salesperson he has helped thousands of people grow their real estate investment portfolios to create lasting generational wealth. Mark is happiest when teaching and educating on the subject of wealth building. Subscribe to his YouTube channel The Mark Loeffler Experience for valuable insights on investing and wealth building. YouTube Channel - https://www.youtube.com/channel/UCe4G-ZeNOU66mLcaO0Ewb0w Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this episode with Susan White Livermore, also known as the Millionaire Mom. Gary and Susan sat down in person to talk about investing, Susan's role as a coach, and how the pandemic has changed the way we do business. They also touched on Susan's childhood and the fundamentals she picked up from her parents; her coaching programming from beginning to end; and her transition from the corporate world to self employment. What you'll learn: How her parents involved her and opened financial dialog at a young age What prompted Susan's move from the corporate world into real estate How her brother's challenging financial situation changed her outlook How he bought his first house while in debt, with no credit and NO job Why he was fearless and how it changed Susan's course of action Why she bought her first house with her dad She wasn't aware of any bylaws around renovations at the time She started with renting her house out to students Why it's better to have a mix of male and female tenants in the same property Why she suggested that tenants bring their own co-tenants Why she decided to try investing before trying to find another job after maternity leave She started spending money on learning creative financing, wholesaling, etc She convinced her brothers and dad to join her in her process Don't try and hit a home run with an investment - positive cashflow, good area, good pool of tenants, good vacancy rate, transit, etc Why you want a big pool of potential tenants so that you don't have to recycle them Is your property close to employment for your tenants Why age of the area is somewhat important to your tenant pool Her big mistake was moving to Calgary, and her properties were impacted by the oil and gas industry - make sure your market isn't one industry specific How there are various sources of data that can help you determine if your market will grow and by how much Why investment properties, especially cottages are in demand due to lack of travel Why she focuses on what she controls and lets the rest go Why investing is a never ending process and be proud of your mistakes, as long as you learn from them! How much of success does Susan attribute to mindset Why your 'network' is your 'net worth' And MORE! Susan's Bio Susan White Livermore knew she didn't want to work in corporate anymore, and when the option of her first real investment property buy presented itself, she jumped in. However haphazardly she entered the investment property world, in just over a year she had 13 properties, had earned the "Newcomer of the Year" award from Canadian Real Estate Wealth Magazine (2011) and the "Top Player" title from the Real Estate Investment Network (2012). With properties in Ontario and Alberta, she continues to steadily build her unique investment business focusing on legalized suites. Susan began coaching and teaching from the stage as more and more curious investors sought her out to learn her strategies. Now known as Millionaire Mom, Susan's approachable coaching platform is suitable for everyone from first time buyers to seasoned investors. "The Millionaire Mom way is about showing people, in a really honest and fun way what I haphazardly stumbled across–a simple idea that proved undeniably fruitful and dependable for me. I'm happy to offer other people the funny stories of the sometimes messy events that have naturally occurred in the process of building a portfolio one property at a time. That's what Millionaire Mom is all about!" Contact Susan Insta: Millionaire.mom.enterprises Web: Millionairemom.ca Events: https://millionairemom.learnworlds.com/ Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this episode with Alex Kouramanis. Gary and Alex discussed his first property, which was BRRRR (Buy, Renovate, Rent, Refinance, Repeat) and parlayed that into many more properties, and has become a big property wholesaler. He also has launched an online learning platform to teach others his strategies. Alex also talks about how people, who lack credit and $$$ can get into real estate investing! What you'll learn: * Why you should work hard, but also play hard * Why downtime can lead investors, and everyone in fact to clarity and allow you to refocus * Why Alex read "Rich Dad, Poor Dad" and what came of it * How mindset and manifesting really work * Why education before investing is essential * How our upbringing plays into our beliefs and how to overcome those * What was his timeline from working on mindset to buying his first property * Why relatives with equity in their homes may be able to help (OPM - Other People's Money) * Why joint ventures partners are useful and sometimes necessary * How marketing can help you sources properties to buy * Why the 'ugly duckling' properties is a great strategy for new properties * Why contracts and proposals are important * Which clauses are important for purchasing * Why deposits are different for private sales, and who holds the deposit * Why you should copy your investment approach from successful investors * Why you SHOULD understand the entire process from purchasing to flipping before buying a property, and gives you leverage for negotiation and allows you to appreciate how much $$$ it will take * Why having a mentor is important, but some things you have to learn on your own! * What was Alex's worst experience * What is BRRRR and why it's a great strategy * What is property wholesaling * And MORE! Alex's Bio 7 years ago, Alex was a bartender with a Philosophy degree and zero experience in business or real estate. He purchased his first BRRRR property in 2013, where he spent two years renovating, reading and networking. After selling his first property, Alex used the profit to purchase one buy and hold property and one flip. Today, Alex has 13 units and is a fulltime wholesaler and multifamily investor with over 20 deals under his belt. He also has online courses in real estate investment, negotiation and personal finance, on the Skillshare and Udemy platforms. When not thinking about real estate, Alex loves skateboarding. Contact Alex Insta: @treetop_residential Web: https://www.treetopbuyer.com/ Online courses: https://www.skillshare.com/classes/Sophisticated-Real-Estate-Investing-The-Core-Strategies-Tools-Mindset/2140126332?via=search-layout-grid Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca

Gary chats in this archive episode with financial planner Kathleen Van Den Berg. Gary and Kathleen discussed the classic financial planning mistakes that most Canadians make, and Kathleen believes that there are many aspects of traditional financial planning today that are fundamentally flawed. Kathleen deals with life insurance, wealth insurance, RRSPs, etc. She considers herself a 'wealth strategist', as she recommends and helps her clients with investments such as real estate, which traditionally does not fall under the umbrella of financial planning. What you'll learn: * The MOST common mistake most Canadians make with financial planning * Why Kathleen's multi pronged approach examines all aspects of a client's money profile and how they integrate * Should you invest in RRSPs for tax strategies or retirement, THE ANSWER MIGHT SURPRISE YOU! * What Kathleen thinks about RESPs, and why the funds are locked if they don't go to school * Do you have the correct life, disability, home and auto insurance? * Why Kathleen performs a debt assessment to help wealth strategies * Why she focusses on tax optimization, and it helps with long term tax reduction * Kathleen also does a cash flow assessment * Why she is an advocate of 'good' debt * What is 'good' debt vs. 'bad' debt - consumer vs. wealth growth * Why it helps get that first investment property * Permanent insurance as a wealth strategy - buy, don't rent your insurance * Why "…your borrowing capacity will TURBOCHARGE your wealth…" * How people, even in their 50's can harness that borrowing capacity to do great things * What "Multi Dimensional dollars" are… * Should financial literacy be taught in schools * "Debt reduction is not the path to wealth creation" * And MORE! Kathleen's Bio Kathleen van den Berg is a Certified Financial Planner who believes there are many aspects of traditional planning methods that are fundamentally flawed. She loves to write about the common financial mistakes she sees in her practice. Kathleen specializes in working with individuals and families to improve cash flow and help them build significantly greater wealth projections over their current plans. As a strong advocate of real estate and rental properties, she actively includes real estate as one of the six key components in her clients' wealth building plans. She owns 6 properties, including 5 rental properties. Helping clients create phenomenal wealth and having a lot of fun doing it is her "why". Contact Kathleen Van Den Berg Email: [email protected] Facebook Group: Wealth Talk www.wealthplancoach.ca Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from! Interested in learning more about Real Estate Investing? Visit https://www.smarthomechoice.ca