Shows
Close More Deals - For REALTORS®Commercial Mortgages - NOI - Net Operating IncomeThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham breaks down one of the most critical calculations in commercial real estate financing: net operating income (NOI). Whether your clients are purchasing a business, acquiring commercial property, or investing in real estate, understanding NOI can mean the difference between loan approval and rejection. Scott explains how thi...
2026-01-2605 min
The Wisdom, Lifestyle, Money, ShowCanadian Real Estate Market Update 2026: Interest Rates, Investment Strategies & Financing OptionsIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers a comprehensive Canadian real estate market update for 2026, providing investors with actionable insights on interest rates, financing strategies, and investment opportunities. Scott, who recently appeared on Erwin Szeto's The Truth About Real Estate Investing podcast, shares his expert perspective on where the market is headed and why now may be the optimal time to invest.With the Bank of Canada holding rates at 2.25% following aggressive cuts in 2024-2025, Scott explains why we've likely reached the bottom of the interest rate cycle. Most major banks...
2026-01-2622 minThe Wisdom, Lifestyle, Money, ShowCanadian Real Estate Market Update 2026: Interest Rates, Investment Strategies & Financing OptionsIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers a comprehensive Canadian real estate market update for 2026, providing investors with actionable insights on interest rates, financing strategies, and investment opportunities. Scott, who recently appeared on Erwin Szeto's The Truth About Real Estate Investing podcast, shares his expert perspective on where the market is headed and why now may be the optimal time to invest.With the Bank of Canada holding rates at 2.25% following aggressive cuts in 2024-2025, Scott explains why we've likely reached the bottom of the interest rate cycle. Most major banks...
2026-01-2622 minThe Wisdom, Lifestyle, Money, ShowCanadian Real Estate Market Update 2026: Interest Rates, Investment Strategies & Financing OptionsIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers a comprehensive Canadian real estate market update for 2026, providing investors with actionable insights on interest rates, financing strategies, and investment opportunities. Scott, who recently appeared on Erwin Szeto's The Truth About Real Estate Investing podcast, shares his expert perspective on where the market is headed and why now may be the optimal time to invest.With the Bank of Canada holding rates at 2.25% following aggressive cuts in 2024-2025, Scott explains why we've likely reached the bottom of the interest rate cycle. Most major banks...
2026-01-2622 minThe Wisdom, Lifestyle, Money, ShowCanadian Real Estate Market Update 2026: Interest Rates, Investment Strategies & Financing OptionsIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers a comprehensive Canadian real estate market update for 2026, providing investors with actionable insights on interest rates, financing strategies, and investment opportunities. Scott, who recently appeared on Erwin Szeto's The Truth About Real Estate Investing podcast, shares his expert perspective on where the market is headed and why now may be the optimal time to invest.With the Bank of Canada holding rates at 2.25% following aggressive cuts in 2024-2025, Scott explains why we've likely reached the bottom of the interest rate cycle. Most major banks...
2026-01-2622 minThe Wisdom, Lifestyle, Money, ShowCanadian Real Estate Market Update 2026: Interest Rates, Investment Strategies & Financing OptionsIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers a comprehensive Canadian real estate market update for 2026, providing investors with actionable insights on interest rates, financing strategies, and investment opportunities. Scott, who recently appeared on Erwin Szeto's The Truth About Real Estate Investing podcast, shares his expert perspective on where the market is headed and why now may be the optimal time to invest.With the Bank of Canada holding rates at 2.25% following aggressive cuts in 2024-2025, Scott explains why we've likely reached the bottom of the interest rate cycle. Most major banks...
2026-01-2622 minThe Wisdom, Lifestyle, Money, ShowCanadian Real Estate Market Update 2026: Interest Rates, Investment Strategies & Financing OptionsIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers a comprehensive Canadian real estate market update for 2026, providing investors with actionable insights on interest rates, financing strategies, and investment opportunities. Scott, who recently appeared on Erwin Szeto's The Truth About Real Estate Investing podcast, shares his expert perspective on where the market is headed and why now may be the optimal time to invest.With the Bank of Canada holding rates at 2.25% following aggressive cuts in 2024-2025, Scott explains why we've likely reached the bottom of the interest rate cycle. Most major banks...
2026-01-2622 minThe Wisdom, Lifestyle, Money, ShowFrom Engineer to Real Estate Syndicator: Lucas Jensen's Multifamily & Condo Conversion StrategiesIn this episode of The Wisdom Lifestyle Money Show, host Scott Dillingham speaks with Lucas Jensen, founder of Winter Capital, about his transition from a corporate engineering career at Microsoft to becoming a multifamily real estate investor and syndicator. Lucas shares how being laid off during the 2022 tech downturn exposed a critical weakness in his financial strategy—relying solely on employment income—which ultimately led him to pursue real estate investing as a path to financial independence and passive income generation.Lucas explains the economics behind scaling real estate investments, noting that single-family rentals carry significant vacancy risk...
2026-01-1924 minThe Wisdom, Lifestyle, Money, ShowHow to Control $100K in Stocks with Only $25K Down With Erwin SzetoIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Erwin Szeto, a seasoned real estate investor, licensed realtor, and insurance professional who has built an eight-figure portfolio through strategic investing. Erwin shares his remarkable journey from immigrant child to successful investor, revealing how the book Rich Dad Poor Dad transformed his understanding of wealth-building and led him from stock market losses during the dot-com bubble into decades of profitable real estate investing across more than 40 properties.The conversation takes a fascinating turn when Erwin introduces a game-changing investment strategy that allows...
2026-01-1224 minClose More Deals - For REALTORS®Commercial Mortgages - Finance Multi-Family With As Little As 5% DownThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham breaks down the essential differences between conventional bank financing and CMHC-insured programs for multifamily properties with five or more units. For real estate professionals and investors working with apartment building purchases, understanding these financing options can mean the difference between a deal that works and one tha...
2026-01-1205 minThe Wisdom, Lifestyle, Money, ShowDocument Secrets Every Real Estate Investor Needs Before Getting FinancingIn this joint episode of the Wisdom Lifestyle Money Show, host Scott Dillingham of LendCity teams up with real estate investing coach Teresa Beneteau to deliver critical year-end financial preparation advice for investors heading into the new year. Recorded in mid-December, this timely conversation addresses one of the most overlooked yet essential aspects of building a real estate portfolio: having your documentation and tax filings in order before seeking financing.Scott opens by sharing a powerful cautionary tale about a commercial client with a multimillion-dollar trucking facility loan who faced serious consequences from disorganized paperwork. Despite having...
2026-01-0535 minClose More Deals - For REALTORS®Residential Mortgages - How To Maximize Your Primary Home Purchase PriceThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham reveals a powerful mortgage qualification strategy that most bank clients never hear about. When homeowners decide to keep their current property as a rental instead of selling, traditional lenders typically only allow 50% of the rental income to count toward qualification—creating an artificial shortfall that limits purch...
2026-01-0504 minThe Wisdom, Lifestyle, Money, ShowHow the Wealthy Build Multimillion-Dollar Real Estate Portfolios with 95% FinancingIn this episode of the Close More Deals Podcast, host Scott Dillingham sits down with Rhys Trenhaille from the Vanguard Team at Manor Realty to reveal how everyday investors can own multimillion-dollar real estate properties using surprisingly little of their own capital. The conversation dismantles the myth that large-scale multifamily investing is only for the ultra-wealthy, showcasing government-backed financing programs that are revolutionizing apartment building acquisition across Canada.Scott and Rhys dive deep into the mechanics of construction financing that covers up to 95% of project costs, combined with amortization periods extending to 50 years. This powerful combination dramatically...
2025-12-2928 minClose More Deals - For REALTORS®Residential Mortgages - Agricultural & Acreage PropertiesThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham breaks down one of the most misunderstood challenges in Canadian mortgage lending: financing properties with agricultural zoning or large acreage. Many borrowers and even some mortgage professionals assume that if a property is zoned agricultural, it automatically requires a commercial mortgage or cannot be financed at all...
2025-12-2904 minClose More Deals - For REALTORS®Residential Mortgages - ProbationThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham tackles one of the most common challenges mortgage professionals face: helping clients who are on probation or have less than one year at their current job get approved for a mortgage. Many buyers assume they need years of stable employment to qualify for financing, but Scott rev...
2025-12-2204 minThe Wisdom, Lifestyle, Money, ShowFrom House Hacking to US Multifamily Investing: Mike Nikolica's Real Estate JourneyIn this episode of The Wisdom, Lifestyle, Money Show, host Scott Dillingham sits down with serial real estate investor Mike Nikolica to explore his evolution from first-time house hacker to US multifamily property investor. Mike shares his two-decade journey that began at age 22 with a duplex purchase near the university, progressing through live-in flips across various cities, and ultimately discovering the cash flow potential of US markets like Cleveland and Detroit. The conversation covers practical investment strategies including house hacking to reduce housing costs, the benefits of owner-occupied financing with as little as 5% down, and the significant advantages of...
2025-12-2219 minClose More Deals - For REALTORS®Residential Mortgages - Stated Income / Self Employed BorrowersThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham breaks down two powerful mortgage programs designed specifically for self-employed borrowers and those with non-traditional income. These alternative mortgage solutions help clients who struggle to qualify through conventional lending channels secure the financing they need. Scott explains the 10% down insured stated income program and the 20% down ban...
2025-12-1503 minThe Wisdom, Lifestyle, Money, ShowUnlock 90% CMHC Financing for Secondary Suites & ADU'sIn this episode of The Wisdom, Lifestyle, Money Show, host Scott Dillingham dives into the transformative CMHC refinance program for adding secondary suites across Canada, empowering homeowners to tap into up to 90% of their property's completed value. Designed to combat the housing shortage, this investor-focused initiative allows refinancing on primary residences to fund Accessory Dwelling Units (ADUs), garden suites, or basement apartments—without needing cash out for other purposes. Scott breaks down how this aligns with provincial policies like Ontario's three-unit rule, enabling seamless additions for multifamily investing and cash flow generation. Whether you're exploring laneway homes or underpinning ba...
2025-12-1511 minClose More Deals - For REALTORS®Residential & Commercial Mortgages - Buy Unlimited Rental PropertiesThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham dives deep into rental property investing strategies, revealing how brokers can help clients qualify for unlimited rental properties without hitting the dreaded debt wall. Many investors start strong with traditional A lenders, but soon face limits on debt-to-income ratios and the number of financed properties, leading to...
2025-12-0804 min
The Wisdom, Lifestyle, Money, ShowUnlocking Multi-Family Wealth: CMHC MLI Select Financing & Alberta OpportunitiesIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham teams up with mortgage agents and commercial developers Christine Traynor and Jennifer Champion to break down CMHC multifamily financing and reveal why Alberta has become the hotspot for multifamily property investment. This comprehensive discussion provides investors with everything they need to know about accessing government-backed financing for multifamily real estate while building long-term wealth through strategic property development.Scott begins by providing a detailed overview of the MLI Select program, explaining how investors can access up to 95% loan to value financing with amortizations extending up...
2025-12-0829 minClose More Deals - For REALTORS®Residential Mortgages - Purchase Plus ImprovementsThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham dives into the powerful world of purchase plus improvements mortgages, a game-changing tool for real estate pros and homebuyers looking to finance renovations alongside their property purchase. Often overlooked, this program lets you roll renovation costs directly into your mortgage, turning fixer-uppers into dream homes without sep...
2025-12-0103 minThe Wisdom, Lifestyle, Money, ShowUnlock 100% Financing for Owner-Occupied Commercial Properties in CanadaIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham from LendCity reveals a powerful yet underutilized financing program that allows business owners and real estate investors to purchase owner-occupied commercial properties—like offices, industrial, or manufacturing buildings—with up to 100% financing. Ideal for self-employed professionals transitioning from renting to owning, this program leverages your business's net operating income (NOI) to maximize leverage, often far beyond standard commercial loans. Scott shares real-world examples, including clients achieving 90-100% loan-to-value (LTV) ratios, freeing up capital for business growth while building equity in real estate.Scott breaks down how...
2025-12-0109 minClose More Deals - For REALTORS®Residential Mortgages - Borrow Your Down PaymentThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals Podcast, host Scott Dillingham dives into the gritty realities of real estate prospecting and how mortgage brokers can turn "no down payment" objections into "yes" opportunities. Drawing from years of frontline lending experience, Scott breaks down strategies for clients with strong credit scores (700+), emphasizing that hard work in outreach pays off...
2025-11-2404 min
The Wisdom, Lifestyle, Money, ShowHow A Tinder-Like App Helps Investors Find, Analyze, And Close Better PropertiesIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham welcomes Saqib Dareshani, founder of RealSwipe, a platform revolutionizing real estate investing. Saqib shares his journey from computer engineering to real estate, starting in 2009 when he sold his stocks to invest in a fourplex multifamily property. He discusses renovating the building, increasing NOI by 50%, and growing its value from $375,000 to over $1 million today. Drawing on skills from teaching app development at Carleton University and contributing to over 500 apps downloaded millions of times, Saqib explains how he merged tech and real estate to create RealSwipe—Tinder for real es...
2025-11-2419 minClose More Deals - For REALTORS®Residential Mortgages - Maternity LeaveThis Weeks Rates:Insured:5-year fixed: Starting at 3.99% Variable: Starting at 3.54%Insurable:5-year fixed: Starting at 4.09% Variable: Starting at 3.75%Conventional:5-year fixed: Starting at 4.19% Variable: Starting at 3.95%CMB:5-Year: 3.24%10-Year: 3.75%In this episode of the Close More Deals podcast, host Scott Dillingham dives into how maternity leave impacts mortgage qualifications in Canada. He explains the varying lender policies on using maternity leave income, emphasizing that many clients get declined unnecessarily due to mismatched lenders. Scott highlights top-tier options where 100% of pre-leave income can be used if returning to wor...
2025-11-1704 min