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Real estate investing in Canada can be confusing. You own your first home, but where do you go from here? How do you build your portfolio and your wealth? The confusion ends here. Quentin DSouza is your host, an award-winning real estate investor and founder ofAppleridge Homes, which started with small single-family homes in 2008 and has grown to large apartment buildings and growing towards 100 million+ in assets under management. On this podcast, you'll learn how to take your high-income, ...
Financial literacy is not emphasized enough for professionals during training, leaving many unprepared as they begin their careers. The topics covered in beyond MD apply to all professionals, including medical students/residents and practicing physicians. This podcast is led by radiologist Dr. Yatin Chadha and guided by expert analysis. Each episode, Yatin interviews accountants, lawyers, brokers, and advisors to heighten awareness on important topics, such as professional corporations, hold ...
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beyond MD with Dr. Yatin Chadha
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Part 4 BRRRR Real Estate Investing with Quentin D'Souza - Refinancing
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Welcome to part 4 of the Buy, Renovate, Rent, Refinance (& maybe repeat) method of real estate investing with Quentin D'Souza. Topic = Refinancing. Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million. Discussion Points: - What make…
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Get Real Wealthy
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11 -Maximizing Your Rental Income with Accessory Dwelling Units: Tips and Tricks
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In this episode of Get Real Wealthy Season 4, Quentin D'Souza shares everything you need to know about accessory dwelling units. Quentin says that accessory dwelling units usually refer to basement suites, or when a particular house or duplex has another unit added to its footprint. He adds that a new bill, Bill 23, has been implemented in Ontario …
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Get Real Wealthy
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10 - The Five Golden Rules of Borrowing Against Equity: Expert Tips and Strategies
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In this episode of Get Real Wealthy Season 4, Quentin D'Souza discusses the five golden rules of borrowing against equity. Quentin starts by sharing that borrowing is a common financial tool for real estate investing. It is used to buy investment properties and can help grow and diversify a portfolio. Equity in one's home can be used as collateral.…
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Get Real Wealthy
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9 - The Importance of Competitive Rental Prices in Real Estate Investing
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[thrive_2step id='834']In this episode of Get Real Wealthy Season 4, Quentin D'Souza discusses how to guarantee rental profits. Quentin says that once you've bought a cashflow-positive property and taken out long-term debt, deciding on the right rent is crucial, as a wrong decision can lead to vacancy and financial losses. You have to consider the …
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beyond MD with Dr. Yatin Chadha
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Part 3 BRRRR Real Estate Investing with Quentin D'Souza - Renting
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Welcome to part 3 of the Buy, Renovate, Rent, Refinance (& maybe repeat) method of real estate investing with Quentin D'Souza. Topic = Renting. Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million. Discussion Points: - Understanding…
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Get Real Wealthy
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8 - Deflationary Cycles in Real Estate: The Good, The Bad, and The Opportunity
7:55
7:55
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In this episode of Get Real Wealthy Season 4, Quentin D'Souza discusses taking advantage of a deflationary cycle in real estate. Quentin says that the interest rates in real estate have risen over the past year, leading to lower real estate prices in Canada and the US. Deflation, the opposite of consumer price inflation, where prices for goods and …
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beyond MD with Dr. Yatin Chadha
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Part 2 BRRRR Real Estate Investing with Quentin D'Souza - Renovating
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Welcome to part 2 of the Buy, Renovate, Rent, Refinance (& maybe repeat) method of real estate investing with Quentin D'Souza. Topic = Renovation. Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million. Discussion points: - Strategies…
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Get Real Wealthy
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7 - Uncovering Hidden Opportunities in Apartment Building Investing: Tips for Real Estate Investors
6:11
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In this episode of Get Real Wealthy Season 4, Quentin D'Souza talks about uncovering hidden opportunities in apartment building investing. Quentin says that real estate investing offers many opportunities. To create value, you need to increase the net operating income, which is income minus expenses before debt. He adds that there are five hidden o…
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beyond MD with Dr. Yatin Chadha
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Part 1 BRRRR Real Estate Investing with Quentin D'Souza - Buying
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Welcome to part 1 of a 4 part series on the BRRRR (buy, renovate, rent, refinance & maybe repeat) method of real estate investing featuring Quentin D'Souza. Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million. Discussion points: - …
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Get Real Wealthy
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6 - Weighing the Options: Professional Property Management vs. Self Management
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In this episode of Get Real Wealthy Season 4, Quentin D'Souza discusses the pros and cons of property management vs. self-management. Quentin says that there are several benefits to hiring a third-party property management company. Firstly, experienced companies understand problem tenants in the area and can guide the property owner through tenant …
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Get Real Wealthy
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5 - Understanding Apartment Buildings Listings: A Guide to Avoiding Common Pitfalls
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In this episode of Get Real Wealthy Season 4, Quentin D'Souza talks about five things to watch out for on real estate listings for apartment buildings and the need for due diligence. First, Quentin suggests that you should be cautious when a listing states that a building or roof has recently replaced an AC. The term "recently" can be ambiguous and…
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4 - Finding the Right Real Estate Investing Coach for You
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In this episode of Get Real Wealthy Season 4, Quentin shares tips and tricks for finding the right real estate investing coach or advisor. Quentin says that many people are eager to sell their services on social media, and it's important to be cautious when looking for a coach or advisor. There are a few steps that you can follow to find the right …
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beyond MD with Dr. Yatin Chadha
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Exploring Liquid Alternative Investments with Jeremy Donath (Donath & DiSabatino Group, BMO Private Wealth)
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My exploration of investing continues today with Jeremy Donath, LL.B, CIM. Jeremy co-runs the Donath & DiSabatino Wealth Management Group in BMO Private Wealth. Today's topic covers Liquid Alternative Investments. Discussion points: - Jeremy's background & experience (7:06) - Basic investment approach (8:08) - What is a liquid alternative investmen…
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3 - How to Navigate the Challenges of Full-Time Real Estate Investing
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In this episode of Get Real Wealthy Season 4, Quentin talks about the challenges faced by those deciding to become full-time real estate investors. Quentin starts by sharing his personal experience of transitioning from being a full-time teacher to a full-time real estate investor. He became a full-time investor because he wanted to do more than ju…
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Get Real Wealthy
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2 - Win-Win Negotiation Strategies for Real Estate Investors
5:56
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In this episode of Get Real Wealthy Season 4, Quentin talks about powerful negotiation techniques for real estate investors who are working directly with sellers. Quentin says that to prepare for negotiations with sellers, it is important to gather as much information as possible about their motivations for selling. When working directly with a sel…
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Get Real Wealthy
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1 - Creating a Strong Real Estate Investment Team: Tips and Strategies
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In this episode of Get Real Wealthy Season 4, Quentin discusses the different ways to build an investment team in real estate: solo investing, partnering with other investors, and general partners. Quentin starts by talking about soloi nvesting. Solo investors focus on building a team of professionals such as property managers, insurance advisors, …
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beyond MD with Dr. Yatin Chadha
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Understanding Real Estate Development Investing with Sasha Cucuz, CEO of Greybrook Securities
57:29
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It's an honour to host Sasha Cucuz, CEO of Greybrook Securities on this episode. The focus: understanding real estate development based investing Discussion points: - Sasha's very interesting path (2:40) - Greybrook's healthcare investments (6:00) - How Greybrook is structured...greybrook capital, realty partners, & securities (7:57) - Overview of …
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10 - Buying Real Estate as a Young Adult? Here are Four Things You are Going to Need
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In this episode of Get Real Wealthy Season 3, Quentin talks about four important things young adults need to know to buy real estate. First, Quentin emphasizes the importance of income history, which is essential for securing a mortgage from a bank. Banks typically require at least two years of income that can support mortgage payments before appro…
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Get Real Wealthy
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9 - Investing Better and Saving More Using Accounts as a Young Adult
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In this episode of Get Real Wealthy Season 3, Quentin talks the importance of using bank accounts to save and invest better. Quentin says that as a young adult, it's crucial to take control of your financial situation and make smart decisions about how you manage your money. One of the first steps in doing this is to choose the right bank accounts …
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8 - Why You Should Earn More Than What You Spend as a Young Adult
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Episode Summary In this episode of Get Real Wealthy Season 3, Quentin talks about managing your time and earning more than what you spend. Quentin says that while he usually focuses on investment earnings, for people starting out, leveraging earnings from different sources, such as part-time, gig-based jobs, can be a great way of making more money.…
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7 - Five Key Financial Literacy Concepts Young Adults Should Know
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Episode Summary In this episode of Get Real Wealthy Season 3, Quentin shares five key concepts he wishes he had understood better as a young adult. Quentin says that the first concept is compound interest and compounding in general. He adds, "one of the things that I wish I understood was that concept between a penny doubled every day for 30 days, …
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beyond MD with Dr. Yatin Chadha
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The Pursuit of Authentic Fulfillment with Dr. Ketan Kulkarni
59:22
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I'm very fortunate to host individuals like Dr. Ketan Kulkarni. Dr. Kulkarni is an east coast pediatrician specializing in Hematology & Oncology. He wears many hats, having published >>100 papers, is a passionate entrepreneur, keen advocate for financial literacy, & a best-selling author. His journey is inspiring & filled with valuable life lessons…
Episode Summary In this episode of Get Real Wealthy Season 3, Quentin shares four things he wishes he had spent more time doing when he was a young adult. Quentin starts by saying the first thing he wishes he had done more was to take more risks and fail more often. as a young adult, that is the best time to take risks, business risks, and social r…
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5-The Importance of Knowing Your "Why" in Your Financial Freedom Journey as a Young Adult
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Episode Summary In this episode of Get Real Wealthy Season 3, Quentin talks about the importance of knowing your "why" in your journey toward financial independence. Quentin says that there are many ways to achieve financial independence, but one must know "why" do they really want it, and a way to do that is to figure out your real motivation. Kno…
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4 - Financial Independence, Retire Early movement (FIRE), and How to Achieve It?
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Episode Summary In this episode of Get Real Wealthy Season 3, Quentin talks about the FIRE - Financial Independence and Retire Early movement and its relevance for young adults. Quentin says that being a part of such communities can be greatly helpful for young adults as the financial landscape these days is very different from what it used to be t…
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beyond MD with Dr. Yatin Chadha
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2022 Mortgage Update with Elan Weintraub, Co-Founder of the Mortgage Outlet
39:21
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Elan Weintraub from the Mortgage Outlet is back! Discussion points: - mortgage landscape (4:13) - interest rate thoughts/predictions (7:21) - variable rate vs adjustable rate mortgages, trigger rates, negative amortization (8:36) - variable rate mortgage considerations (14:13) - mortgage approval process today with focus on medical trainees (18:09)…
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3 - What is Financial Independence and Why is it Important to Young Adults?
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Episode Summary In this episode of Get Real Wealthy Season 3, Quentin talks about financial independence from the perspective of a young adult. Quentin says that financial independence means that you are given more choice in what you want to spend your time doing. While it is different for different people, a common theme is that you need to go out…
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2 - How to Start Building Credit as a Young Adult
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Episode Summary In this episode of Get Real Wealthy Season 3, Quentin talks about building your credit and why it's important. Quentin says that a lot of the things we're going to do while investing require some credit. You can start without credit, but for growth and scaling, you need good credit. It allows banks or other institutions to track how…
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1 - The Ultimate Goal Setting Process for Young Adults: How to Create a Ten-Year Plan for Your Life
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Episode Summary In this episode of Get Real Wealthy Season 3, Quentin talks about coming up with ten-year goals for young adults who are starting their journey toward financial freedom. Quentin says that, as Tony Robbins noted, "most people underestimate what they can do in two or three decades but overestimate what they can do in a year" we want t…
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beyond MD with Dr. Yatin Chadha
1
Tax Efficient Philanthropy with Mark Halpern
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In this interview I sit down with Mark Halpern, CFP, TEP, MFA-P. Mark is CEO of Wealthinsurance.com & has been assisting professionals and many of Canada's most affluent families for decades with an expertise in insurance solutions and tax strategic philanthropy to enhance wealth and build generational legacies. Discussion points: - Mark's backgrou…
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Get Real Wealthy
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52 - How to Get Your First Rental Property Using Your Own House
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about creative strategies to help you buy your first rental property if you own a house. Quentin says that these are out-of-the-box strategies but these creative solutions will help you get your first rental property. Number one, home financing, using your home equity line …
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51 -Six Tactics for Finding Off-Market Properties
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about six tactics for finding off-market properties. Quentin says that these tips are taken from his book, The Finding Properties Toolbox, which can tremendously help you in finding off-market properties. He says that it's important to find off-market properties because the…
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beyond MD with Dr. Yatin Chadha
1
Confessions of a Former Investment Analyst
1:11:54
1:11:54
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In this episode I interview Gareth Tingling, CFA, MBA, who is a Portfolio Manager at Foster & Associates. Gareth's investment blog: https://www.wheelhouseresearch.com/ Discussion Points: - Gareth's very interesting background (2:32) - intro to buy & sell side analysts (9:53) - early vs late sell side analysts, why the # of analysts is important (16…
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50 - Five Ways of Increasing Profits on a Property
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In this episode of Get Real Wealthy Season 2, Quentin talks about increasing profits on a particular property. Quentin mentions that these tips are taken from one of his bestselling books, Property Management Toolbox. Quentin says that what we want to do is increase or get a higher net operating income, and therefore increase the value of a propert…
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49 - Four Things to Keep in Mind When Hiring General Contractor for Property Renovation
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about four steps on hiring a general contractor for your rental property renovation. Quentin says that it's really important to have a great general contractor and there are some tips and tricks that can save your time and money. The difference between hiring a general cont…
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48 - Purchase Plus Improvement Mortgage for BRRR Strategy
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about the purchase plus improvement mortgage. Quentin says that this is a mortgage that you would use for the buy, fix refinance, and rent strategy or the BRRR strategy. He has highlighted this strategy in his book The Ultimate Wealth Strategy. This way, you're able to get …
In this episode I sit down with Simon Mass, founder & CEO of the Condo Store. Simon has more than 25 years of experience in real estate investing & is a true leader in the pre-construction space. Condo store website: https://condostorecanada.com/ Simon's email: Simon@condostorecanada.com Discussion points: - Simon's experience & journey in real est…
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47 - Six Numbers to Look at When Investing in a New Area
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about six numbers that you should look at when you're deciding to invest in a new area. Quentin says that it is important to look at this specific information so that you can evaluate its potential for investing and the value of the properties in the future. The first thing…
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46 - Borrowing to Invest in Real Estate? Here is What You Need to Know
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about five things you should know when borrowing to invest in real estate. Quentin says that these invaluable strategies are mentioned in detail in the book The Ultimate Wealth Strategies. He says that the first thing to keep in mind is that you can’t save yourself to finan…
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45 - Four Challenges in Multifamily Properties and How to Deal with Them
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about the challenges of purchasing multifamily properties. Quentin says that when you buy distressed multifamily assets, the benefit that comes with repositioning that asset is that you're buying a property, as the value is based on the net operating income and the current …
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beyond MD with Dr. Yatin Chadha
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Overcoming the Arrival Fallacy for a More Successful Personal & Financial Life
28:57
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Welcome to my 3rd solo episode! Today I discuss a topic that is deeply meaningful to me: the Arrival Fallacy. More importantly, we will talk about overcoming the arrival fallacy and the implications this has for a more successful personal & financial life. Summary: - my past and where I went wrong (1:03) - arrival fallacy definition (7:24) - the ro…
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Get Real Wealthy
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44 - Residential vs. Commercial Real Estate Lending? Here is What You Need to Know
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about the differences between getting a residential mortgage and a commercial mortgage loan. Quentin says that when you are getting mortgages for your rental properties, they're going to look at the debt coverage ratio on the actual rents that you get, your income, credit h…
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43 - Why You Need to Build your Real Estate Power Team
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about the importance of building a real estate power team. Quentin says that it's important to build the best power team possible based on your current position, and there are seven members you need to have on your team. The first ones are realtors and brokers. The second o…
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42 - The Secrets For Writing Great Rental Listing Ads
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In this episode of Get Real Wealthy Season 2, Quentin talks about how you can make a great ad for your rental properties. Quentin says that these are some of the tips mentioned in The Filling Vacancies Toolbox book, which is a step-by-step guide for Real Estate investors and landlords for renting out residential real estate. He says that a great ad…
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41 - Demystifying Residential and Commercial Real Estate Trends
6:44
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin tries to demystify the differences between what's happening in the residential market and the commercial market. Quentin says that in the residential market, you have one to four-unit properties, and they are based on what's called the comparative model. For instance, if the hous…
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beyond MD with Dr. Yatin Chadha
1
A Conversation with Drs. Paul and Jane Healey
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This is THE episode many have been waiting for - a conversation with the founders of Physician Financial Independence (PFI) on facebook, Paul & Jane Healey. We cover a broad spectrum of topics including: - PFI behind the scenes - how they work as a couple/team - what they value in life - the relationship between money and happiness - talking to kid…
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40 - How to Avoid Getting Caught in Mortgage Traps as a Real Estate Investor
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about five mortgage traps real estate investors face and how to avoid them. Quentin says that the first trap is a fixed closed mortgage with a five-year timeframe. You may get lower interest rates, but you will have problems accessing equity. Secondly, with a fixed closed m…
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39 - Alligator Properties and How to Avoid Negative Cash Flow from Them
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about alligator properties and how to deal with them as a real estate investor. Alligator properties are negative cash-flowing properties, and they can seriously hinder your real estate career if you are trying to grow a portfolio of properties. Taking about negative cash f…
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38 - Why Genworth and Canada Guaranty Should Also Offer Multifamily Mortgages
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Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about why Genworth and Canada Guaranty also need to offer multifamily mortgages like CMHC. In Canada, there are mortgage insurers, who allow people to borrow mortgages at a lower rate because they insure those mortgages. In the residential space, CMHC and private providers …
In this episode I host Joseph Bakish (CFA, CLU, TEP), wealth & investment advisor, portfolio manager from Bakish Wealth at Richardson Wealth. Joe has abundant experience in the industry, accolades include top under 40 advisor in 2020 and being recognized among Canada's top 50 advisors in 2021. Discussion points: - basic approach to alternatives, di…
