Latest Articles - Page 36

Expert insights on investment property financing, mortgage strategies, and real estate investing tips.

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Mortgage & Financing

25-Year vs 30-Year Amortization: Which Saves More?

SScott DillinghamJan 8, 2026· 8 min read

Compare 25-year and 30-year amortization side by side. Monthly payment differences, total interest costs, and which schedule works best for Canadian investors.

Mortgage & Financing

Rental Worksheet Program: Use 100% Rental Income to Qualify

SScott DillinghamJan 5, 2026· 5 min read

Keep your current home as a rental and qualify for a bigger purchase. The rental worksheet program lets you use 100% of rental income to maximize buying power.

Mortgage & Financing

Organized Documents = Better Mortgage Rates (Here's Why)

SScott DillinghamJan 5, 2026· 8 min read

Organized financial documents unlock better mortgage rates in Canada. Expert tips on document preparation, tax filing timing, and what lenders want to see.

Personal Finance & Mindset

10 Daily Habits for Real Estate Investing Success

SScott DillinghamJan 4, 2026· 9 min read

Build wealth faster with these 10 daily habits used by successful Canadian real estate investors. Goal setting, team leadership, and market analysis routines.

Scaling Your Portfolio

Build Multimillion-Dollar Real Estate Wealth With 5% Down

SScott DillinghamDec 29, 2025· 9 min read

Canadian investors use CMHC MLI Select financing and missing middle housing to build multimillion-dollar portfolios with minimal capital. Here is the strategy.

Mortgage & Financing

How to Get a Mortgage on Agricultural Zoned Property

SScott DillinghamDec 29, 2025· 6 min read

Finance agricultural zoned property in Canada. Which lenders approve these mortgages, approval factors, zoning requirements, and alternative financing options.

Real Estate Investing 101

10 Common Home Repairs Every Property Owner Must Know

SScott DillinghamDec 22, 2025· 11 min read

Handle the most common home repairs before they get costly. Water leaks, electrical, HVAC and plumbing fixes Canadian property owners face.

Real Estate Investing 101

Fix Negative Cash Flow on Rentals: 3 Proven Methods

SScott DillinghamDec 22, 2025· 8 min read

Turn cash-flow-negative rentals profitable with three proven strategies. Interest-only mortgages, amortization extensions, and refinancing options in Canada.

Real Estate Investing 101

3 Ways Real Estate Builds Wealth in Canada

SScott DillinghamDec 22, 2025· 9 min read

Understand the three profit centres of Canadian rental property: appreciation, monthly cash flow, and mortgage pay-down. Plus how to fix common problems.

Mortgage & Financing

8 Ways to Save on Your Mortgage (Not Just Rate)

SScott DillinghamDec 22, 2025· 10 min read

Canadian mortgage savings strategies beyond rate shopping. CMHC fee porting, penalty avoidance, prepayment tactics, and more — actual savings depend on your.

Mortgage & Financing

Mortgage Broker vs Bank: The Complete Canadian Guide (2026)

SScott DillinghamDec 22, 2025· 21 min read

Mortgage broker vs bank in Canada: clear investor verdict, 15-point comparison, rates, fees, rentals, self-employed, renewals — and when banks still win.

Scaling Your Portfolio

How to Build a $12M Real Estate Portfolio from Scratch

SScott DillinghamDec 22, 2025· 7 min read

From a failed first flip to 110 rental units and a $12M portfolio. Real lessons on surviving market crashes, diversifying property types, and building wealth.