Shows
The Wisdom, Lifestyle, Money, ShowThe Advantage of Expert Brokers & Developers in Multi-Family FinancingSend us a textIn this episode, Scott is joined by Jennifer Champion and Christine Traynor to discuss the critical advantages of working with experienced brokers who specialize in multi-family financing. The conversation highlights real-world examples of how the right expertise can save investors millions while avoiding costly mistakes that commonly occur when going direct to banks or working with inexperienced brokers.Key Insights & TakeawaysScott shares a compelling example of how broker expertise translates to substantial savings. An investor with a rehabbed 57-unit property initially went direct to his major bank, which...2025-07-0908 minThe Wisdom, Lifestyle, Money, ShowAlways Work With Investor Focused Experts Who Also Invest With Rhys TrenhaileSend us a textIn this episode, Scott interviews Rhys Trenhaille, a commercial real estate specialist who focuses on working with investors in Windsor Essex County. Reese shares his unique journey from university track athlete to successful commercial real estate investor and agent, emphasizing the importance of working with professionals who practice what they preach.Key Insights & TakeawaysThe Power of Early Real Estate EducationReese's story demonstrates how early exposure to real estate investing can create lasting wealth. While training for track and field at university, he and...2025-06-1921 min
WealthGenius PodcastCanada, U.S., Mexico: One Broker’s Game Plan to Dominate with Scott Dillingham | Ep 54In this episode of the Wealth Genius Podcast, host Alfonso Cuadra sits down with investor-focused mortgage broker Scott Dillingham to unpack the strategies he’s using to help real estate investors scale across Canada, the U.S., and Mexico.Scott shares how a failed JV deal in Sarnia sparked his own investing career, how Rich Dad Poor Dad changed his trajectory, and why he became a broker to fix the lending problems he kept running into.From using commercial lending to keep scaling, to unlocking U.S...2025-06-0621 minThe Wisdom, Lifestyle, Money, ShowValue Add CMHC MLI-Select Apartment Building Financing StrategySend us a textIn this episode, Scott is joined by Jennifer Champion and Christine Traynor to discuss value-add strategies for multi-family apartment buildings. The hosts share their active investing experience and explain how to force appreciation through strategic property improvements and rent optimization.Key Timestamps: [0:00] Introduction to Value-Add Multi-Family InvestingFocus on forcing appreciation vs. just cashflowWhy controlling income and expenses matters in multifamilyPredictable refinance outcomes[2:30] 💰 Forcing Appreciation StrategyRaising rents to market valueControllable income and expense factorsDifference from single-family appreciation methods[4:15] 📊 Real World Case Study Example$1.5 million purchase price$...2025-06-0505 minThe Wisdom, Lifestyle, Money, ShowBuilding Wealth Through Commercial MortgagesSend us a textWelcome back to the Wisdom Lifestyle Money Show! In this episode, host Scott Dillingham introduces you to the core team dedicated to helping you achieve your commercial real estate investment goals. Meet Mike Peters, Jennifer Champion, and Christine Traynor, the experts behind the commercial mortgage arm, specializing in financing across Canada and expanding into the US. Learn about their individual backgrounds, areas of focus, and how their unique perspectives can benefit your investing journey.Key Timestamps:[0:00] Introduction to the Wisdom Lifestyle Money ShowMeet...2025-05-2211 min
The Truth About Real Estate Investing... for CanadiansMortgage Market Update: Canada & USA w/ Unicorn Mortgage Expert Scott Dillingham of LendCityGreetings friends, this is Erwin Szeto, and welcome to The Truth About Real Estate Investing for Canadians, the #9 ranked podcast for Canadian Investment and Personal Finance per FeedSpot! Thank you listeners and past guests of this show! As always it’s a honour to have this platform and ability to give back to the community that has been so much to my family and I where we all share a passion for the best investment class in the world: real estate. Here on this show, it’s my job to interview the top minds in real estate investing and busin...2025-04-221h 07
The Wisdom, Lifestyle, Money, ShowFrom Windsor to Wealth: Tom McCormick's Real Estate Adventure into the United StatesSend us a textIn this episode, Scott interviews Tom McCormick, a Canadian investor who successfully transitioned from investing in Windsor to flipping properties in Detroit. Tom shares his engineering background, initial property ventures, and how he navigated the challenges of cross-border investments.Key Timestamps:[0:00] Introduction and Guest Background- Tom's journey into real estate during COVID-19- From automotive engineering to property investing- How his brother inspired his first investment[4:30] 🏠 First Real Estate Purchase- Creating an additional dwelling unit (ADU)- Learning through "failing for...2025-02-1821 min
The Wisdom, Lifestyle, Money, ShowLeveraging Your RRSP to Investing in Real Estate Anywhere In The World With SeaPort CreditSend us a textIn this episode, Scott sits down with Jeremy Friedberg, Corporate Director of Seaport Credit Canada, to discuss how Canadians can leverage their retirement funds for international real estate investments. Jeremy shares his journey from Ontario to Mexico and explains how Seaport Credit helps Canadians access their retirement funds for global investment opportunities.Key Timestamps:[0:00] Introduction and Guest Background- Jeremy's journey from Richmond Hill to Cancun- Transition from resort real estate to Seaport Credit- Background in international business[5:30] 💼 Understanding Seaport Credit's Services- E...2025-02-1223 minThe Wisdom, Lifestyle, Money, ShowTax Strategies and Real Estate Investment with Carmen Da Silva In Canada & U.S.A.Send us a textIn this episode, Scott Dillingham interviews Carmen Da Silva, a CPA and cofounder of Share, who brings over two decades of cross-border tax and investment expertise to the discussion. Drawing from her journey from PricewaterhouseCoopers to managing a significant U.S. real estate portfolio and co-founding Share, Carmen shares comprehensive insights on tax strategies, investment structures, and wealth building approaches for Canadians investing in U.S. real estate. Her unique perspective combines professional expertise with personal experience, having successfully navigated both markets while teaching the next generation about building wealth through real estate.2025-02-0427 min
The Wisdom, Lifestyle, Money, ShowProfiting in U.S. Real Estate from Canada With Derek WormsbeckerSend us a textIn this episode, Scott Dillingham interviews Derek Wormsbecker, a mortgage agent and investor who shares his experience transitioning from Canadian to U.S. real estate investing. Having sold his Canadian property, Derek describes his journey finding and purchasing a new construction home in Arkansas through Share, highlighting the advantages of U.S. real estate investment.Key Timestamps:[0:00] Investment Journey- Starting in Canadian real estate- Transition to U.S. markets- Share partnership experience[4:30] U.S. Investment Benefits- Lower entry costs...2025-01-2824 min
The Wisdom, Lifestyle, Money, ShowHow To Save Thousands When Buying U.S. Properties With FX - Foreign ExchangeSend us a text In this episode, Scott Dillingham interviews Mark Racette from Pulse FX about saving money when conducting foreign exchange transactions for U.S. real estate investments. Drawing from over a decade of experience in international finance, Mark explains how investors can secure better exchange rates and reduce transaction costs compared to traditional banking options.Key Timestamps:[0:00] Market Overview- Political impacts- Economic indicators- Currency forecasts[4:30] FX Products- Spot transfers- Limit orders- Forward contracts- Multi-currency accounts2025-01-2128 min
The Wisdom, Lifestyle, Money, ShowFrom Canada to the U.S.: Strategic Real Estate Investing with DmitriSend us a text In this episode, Scott Dillingham interviews Dmitri Bourchtein from Share, discussing his journey from institutional real estate lending to managing over $1 billion in transactions and helping retail investors access U.S. real estate opportunities. Drawing from his extensive experience at one of Canada's largest private equity firms, Dmitri explains Share's comprehensive approach to property acquisition and management.Key Timestamps:[0:00] Professional Background- Institutional experience- Portfolio growth- Transaction volume[4:30] Off-Market Acquisitions- Sourcing strategies- Wholesaler networks- Builder relationships2025-01-1418 min
The Wisdom, Lifestyle, Money, ShowDon't Overpay For Real Estate Investing Courses - Do This InsteadSend us a text In this episode, Scott Dillingham addresses the issue of expensive real estate investing courses and coaching programs, introducing a free alternative called "Fire Your Boss" that covers comprehensive real estate investing education. Drawing from his team's expertise and industry professionals, Scott explains how investors can access quality education without paying thousands for questionable coaching programs.Key Timestamps:[0:00] Course Overview- Marketing vs expertise- Cost comparison- Value proposition[4:30] Core Modules- Investing basics- Legal considerations- Design optimization...2025-01-0707 min
The Wisdom, Lifestyle, Money, ShowHow To Get Your EIN In 2 Hours To Purchase U.S.A. Real EstateSummaryIn this episode, Scott Dillingham discusses how Canadian investors can quickly obtain their EIN to invest in U.S. real estate. He highlights the common challenges investors face during the entity setup process and introduces an innovative solution that allows for the acquisition of an EIN in just two hours. The conversation emphasizes the importance of proper entity setup to avoid double taxation and liability issues while also providing insights into building credit in the U.S. for future investments.(00:00) - Introduction to the Wisdom Lifestyle Money Show(00:29) - Overview of Our Real Estate Services(01:19) - Challenges...2024-12-3109 min
The Wisdom, Lifestyle, Money, ShowHow To Get Your EIN In 2 Hours To Purchase U.S.A. Real EstateSend us a text In this episode, Scott Dillingham reveals an innovative solution for foreign investors to obtain U.S. Employer Identification Numbers (EINs) in just two hours, dramatically reducing the typical 4-8 week waiting period for entity setup when purchasing U.S. real estate.Key Timestamps:[0:00] Background- Entity setup challenges- Importance of proper structure- Common investor roadblocks[4:30] Entity Benefits- Tax implications- Liability protection - Lender access[8:45] Rapid ITIN Process- 2-hour setup- Pre-registered entities...2024-12-3109 min
The Wisdom, Lifestyle, Money, ShowSetting Up The Right Entity For Protection & Tax BenefitsSend us a text In this episode, Scott Dillingham interviews real estate lawyer Milena Cardinal to discuss maximizing shareholder value through proper corporate structuring for real estate investments. Milena shares expertise on balancing legal, tax, and financing considerations when setting up investment entities.Key Timestamps:[0:00] Corporate Structure Basics- Shareholder agreements- Entity selection- Investor protection strategies[4:30] Multiple Structure Options- GPLP advantages- Joint venture possibilities- Financing implications[8:45] Setting Up Process- Consultation importance- Document requirements...2024-12-2438 minThe Wisdom, Lifestyle, Money, ShowEasily Qualify For Any PurchaseSummaryThis podcast episode, "Easily Qualify For Any Purchase," focuses on alternative mortgage financing options for real estate investors in Canada and the United States. The host, Scott Dillingham, explains how investors can qualify for mortgages based on a property's cash flow rather than solely relying on personal income and debt-to-income ratios. The core concepts discussed are the Debt Coverage Ratio (DCR) in Canada and the Debt Service Coverage Ratio (DSCR) in the US, which allow lenders to evaluate a property's ability to cover its mortgage payments. The podcast highlights the differences between traditional lending and these property-based...2024-12-1711 min
The Wisdom, Lifestyle, Money, ShowEasily Qualify For Any PurchaseSend us a text In this episode, Scott Dillingham explains how investors can qualify for mortgages based on property cash flow rather than personal income through Debt Coverage Ratio (DCR) and Debt Service Coverage Ratio (DSCR) programs in Canada and the USA, providing alternatives to traditional qualification methods.Key Timestamps:[0:00] Traditional Qualification- Income requirements- Property limits- Equity lending issues[4:30] DCR/DSCR Programs- Cash flow qualification- Stress test differences- Property eligibility[8:45] Market Differences- Canadian vs U.S...2024-12-1712 minThe Wisdom, Lifestyle, Money, ShowEmpowering Investors With the Right TeamSummaryIn this episode, Scott Dillingham discusses the importance of having the right team when investing in real estate. He emphasizes the common mistakes investors make by partnering with unqualified individuals and provides key tips for building a successful investment team. Scott also highlights the value of expertise in various niches and the opportunities available for North American investors.(00:00) - Empowering Investors: The Right Team Matters (03:24) - Building Your Investment Team: Key Tips (11:38) - Expanding Horizons: North American Lending Opportunities TakeawaysInvestors often partner with unqualified people.Referrals can lead to poor investment choices.Take time to research...2024-12-1512 min
The Wisdom, Lifestyle, Money, ShowEmpowering Investors With the Right TeamSend us a text In this episode, Scott Dillingham shares insights from his presentation at a Wealth Genius event about the importance of building the right team for real estate investing success. Drawing from his experience managing a team of expert investor-focused mortgage agents, Scott explains why investors often make critical mistakes in choosing their professional partners and provides actionable strategies for building an effective investment team.Key Timestamps:[0:00] Team Building Fundamentals- Expert vs generalist selection- Common investor mistakes- Due diligence importance[4:30] Essential Tips...2024-12-1513 min
The Wisdom, Lifestyle, Money, ShowDiscover Challenges Canadians Face Investing In The U.S.A. & How To Get Over ThemSend us a text In this episode, Scott Dillingham interviews Andrew Kim from Share, discussing how his tech company helps Canadians invest in U.S. real estate through comprehensive asset management services. Andrew shares insights from his journey from Canadian real estate investor to U.S. tech entrepreneur, explaining how the challenges he faced led him to create a solution for other investors looking to build their portfolios across the border.Key Timestamps:[0:00] Introduction & Background- Tech entrepreneurship journey- Early investment experiences- Transition to U.S. markets[4:30...2024-12-0525 minThe Wisdom, Lifestyle, Money, ShowDiscover Challenges Canadians Face Investing In The U.S.A. & How To Get Over ThemSummaryIn this conversation, Scott Dillingham and Andrew Kim discuss the intricacies of investing in U.S. real estate, particularly for Canadian investors. Andrew shares his personal journey into the U.S. market, highlighting the advantages of single-family rentals and the importance of asset management. They explore common hurdles faced by investors, such as uncertainty about locations and the complexities of entity setup. The discussion also touches on the political climate's impact on real estate and the steady growth potential of U.S. properties compared to the volatile Canadian market.(00:00) - Introduction to Investing in the U.S. (06:00...2024-12-0524 min
The Wisdom, Lifestyle, Money, ShowWhy Canadians Need To Invest In The U.S.A.Send us a text In this episode, Scott Dillingham discusses why Canadians should consider investing in U.S. real estate, backed by statistical data and market trends.Key Timestamps:[0:00] Investment Trends- Canadian capital outflow- U.S. market attraction- Statistics Canada data[4:30] Investment Challenges in Canada- Landlord tribunal issues- Rent control limitations- Property sale restrictions[8:45] U.S. Market Advantages- Property affordability- Landlord-friendly regulations- Flexible rent adjustments- Common-sense lending[12:30] Key...2024-11-2636 min
The Wisdom, Lifestyle, Money, ShowHow To Minimize Risk With Real Estate Joint VenturesSend us a text In this episode, Scott Dillingham and Milena Cardinal discuss GPLP (General Partner Limited Partnership) structures and legal considerations for real estate investors.Key Timestamps:[0:00] Introduction to Trust Structures- Bare trust agreements- Trust relationships- Entity ownership options[4:30] GPLP Structure Basics- Limited partnership explanation- Liability protection- General partner responsibilities[8:45] Investment Risks & Protection- Document drafting importance- Investor vetting process- Legal representation considerations[12:30] Financing Implications- Commercial vs residential...2024-11-2435 min
The Wisdom, Lifestyle, Money, ShowLearn How To Invest In The U.S.A. With A Seasoned Expert & CoachSend us a text In this episode, Scott Dillingham interviews Glenn Sutherland, an expert coach helping Canadians invest in U.S. real estate, sharing insights from his journey and coaching program.Key Timestamps:[0:00] Personal Background- Canadian investor experience- Transition to U.S. markets- Bank lending limitations[4:30] Investment Evolution- First U.S. property purchase- Cash buying challenges- Refinancing strategies[8:45] Current Market Strategies- Seller financing opportunities- Exit strategy importance- Value-add approaches[12:30] Coaching...2024-11-1819 minThe Wisdom, Lifestyle, Money, ShowLearn How To Invest In The U.S.A. With A Seasoned Expert & CoachIn this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews Glenn Sutherland, an expert in cross-border real estate investing. Glenn shares his journey from traditional lending in Canada to investing in U.S. properties, discussing the challenges he faced and the strategies he developed. The conversation covers the importance of understanding the U.S. market, leveraging seller credits, and navigating legal and tax implications. Glenn also highlights the resources and support available for Canadian investors looking to enter the U.S. real estate market.TakeawaysGlenn transitioned from traditional lending in Canada to U.S. property investment...2024-11-1819 min
The Wisdom, Lifestyle, Money, ShowDiscover How To Easily Find New Joint Venture Partners With InvestiumSend us a text In this episode, Scott Dillingham interviews Jonathan Faerman, creator of Investium.ai, a free platform connecting real estate investors for joint venture partnerships.Key Timestamps:[0:00] Introduction & Background- Faerman's start in real estate- Evolution from condo owner to investor- Development of Investium platform[4:30] Platform Features- Two-factor authentication- Identity verification- Private investment groups- Deal protection measures[8:45] Platform Success Stories- Montreal investment partnerships- Cross-border opportunities- Connection process details2024-11-1020 min
The Wisdom, Lifestyle, Money, ShowU.S.A. Lending For Canadians & Other Foreign BuyersSend us a text In this episode, Scott Dillingham explains how Lendly City provides lending solutions for Canadians and foreign buyers looking to invest in U.S. real estate, detailing their comprehensive lending programs and processes.Key Timestamps:[0:00] Introduction & Overview- One-stop shop for residential/commercial lending- Cross-border lending benefits- Application process efficiency[4:30] Commercial Lending Examples- $4.65M office space deal in Ohio- Lending terms without U.S. partners- Strategy for initial commercial purchases[8:45] Residential Lending Options- Multi-unit...2024-05-2228 minThe Wisdom, Lifestyle, Money, ShowU.S.A. Lending For Canadians & Other Foreign BuyersScott Dillingham discusses the lending options available for Canadians and foreign buyers interested in purchasing investment properties in the United States. He highlights the benefits of working with a one-stop shop lender that covers both residential and commercial lending in Canada and the US. Scott provides examples of different lending options and rates for commercial and residential properties. He also explains the process of obtaining financing in the US, including the importance of setting up an entity, opening a US bank account, and working with professionals. Scott concludes by mentioning new products available, such as fix and flips for foreign...2024-05-2227 min
The Wisdom, Lifestyle, Money, ShowThe Explosive Growth in Windsor's Real Estate MarketSend us a text In this episode, Scott Dillingham interviews Alex Ciotoli, an investment-focused realtor from Windsor and member of Team Gore at REMAX. Alex shares insights into Windsor's explosive real estate market growth and discusses his unique approach as the "Esquire Realtor."Key Timestamps:[0:00] Professional Background- Born and raised in Windsor- Law school in Michigan- Family structural steel business- Immigration story[4:30] Windsor Market Analysis- Explosive growth across sectors- Infrastructure developments- Population growth impact- Market trends2024-05-1023 min
The Wisdom, Lifestyle, Money, ShowEp 74 - Harnessing Energy Flow for Peak Performance and Mental Wellness with host Scott Dillingham and guest Kimberly KingsleyHere are the best ways I can help you as an Investor:Investor Network AccessRun the numbers like a pro of any property.Access Insider Events, ONLY for members.Network with other investors.Create joint venture partnerships.Get direct access to a team of experts.Get preferred interest rates on mortgages & lending products.Ask questions and get answers to any investing challenges you have.Book A FREE Strategy Call With My TeamDiscover the financing options available to you.Create the proper financing structure for success.Get your portfolio reviewed and identify...2024-03-0823 minThe Wisdom, Lifestyle, Money, ShowUnlocking High Returns with Foreign Currency Trading With Gillian Irving & Robert TyrerIn this episode, host Scott Dillingham interviews Robert Tyrer, an expert investor in foreign currency trading. Robert shares his journey from working in the banking industry to becoming a successful trader. He explains his trading strategy, which focuses on long-term trends and patterns, and emphasizes the importance of risk management. Robert's company has achieved impressive returns for clients, with a net client return of about 10.8% per month compounded. He also discusses the flexibility of his investment approach, including the ability to use different currencies and access funds without lock-in periods. Robert emphasizes transparency and encourages potential investors to reach out...2024-03-0722 min
The Wisdom, Lifestyle, Money, ShowUnlocking High Returns with Foreign Currency Trading With Gillian Irving & Robert TyrerSend us a text In this episode, Scott Dillingham and Gillian Irving interview Robert Tyrer, a forex trading expert who shares insights into his unique investment approach that has generated consistent double-digit monthly returns for clients. Through his company For The People FX, Robert explains how his institutional-level trading strategy differs from retail approaches while providing flexible investment options for accredited and eligible investors.Key Timestamps:[0:00] Professional Background- Banking experience- Trading journey- Mentorship impact[4:30] Investment Strategy- Pattern recognition- Risk management...2024-03-0723 min