Shows
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 min
The 5 Questions PodcastStrategic Real Estate Financing for cross-border investments with Scott DillinghamSend us a textUnderstanding real estate financing is essential for investors aiming to succeed, and Scott Dillingham breaks down critical insights to navigate the complexities of borrowing across borders. From differences in lending practices in Canada, the USA, and Mexico to innovative financing strategies, Scott shares how investors can adapt and thrive in varying markets.• Scott shares his journey from investor to lending expert • Discussion of lending differences between Canada, USA, and Mexico • Advice for new investors on securing financing • Importance of assembling a strong team for investment success • Innovative financing stra...2025-02-1120 min
The 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 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 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 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, 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 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 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, 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 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
A Canadian Investing in the U.S. with Glen SutherlandEP335 New Lending Opportunities For Canadians Investing Inthe USA With Scott DillinghamScott goes over the different opportunities his company can provide on both sides of the boarder. They are able to help you find the money hiding in your Canadian properties to be able to use for your USA investing. The cool part is that they can also do the mortgages in the USA also. This makes everything a nice one stop shop
Scott Dillingham2024-09-2625 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, 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 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
The Truth About Real Estate Investing... for CanadiansNavigating US Mortgages As A Canadian With Scott DillinghamOn to this week’s show! Today we have my Mortgage Broker Scott Dillingham from Windsor Ontario who as far as I know is the only investor specialist who can help Canadians with mortgages in both Canada and the USA. Scott while he was the #1 mortgage broker at one of Canada’s biggest banks got my clients and I many mortgages at cheap rates and I’m now selling one of them. Scott has since opened his own mortgage brokerage called Lendcity, he shares how American debt service coverage ratio mortgages work when buying income proper...2024-03-051h 24The Wisdom, Lifestyle, Money, ShowEp 61 - Foreign Investors Can Buy In The Dominican RepublicHere are the four best ways I can help you as an investor:1. Important Free BonusFree Investor Success Toolbox Kit Download2. Super Important Can't Miss Investor BonusAccess to Private Investors Hub Gain access to exclusive webinars & eventsNetwork with investorsGet answers to all of your questions from myself and my team3. Apply For Your Mortgage OnlineLendCity.ca4. Book A FREE Strategy Call With Someone On My TeamBook HereShow Summary:2023-12-1422 minThe Wisdom, Lifestyle, Money, ShowEp 61 - Foreign Investors Can Buy In The Dominican RepublicHere 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...2023-12-1421 minThe Wisdom, Lifestyle, Money, ShowDiscover The Best Way To Purchase South Florida PropertiesRyan Poole, owner of Real Trade and a realtor specializing in South Florida properties, shares his journey and expertise in the real estate market. He discusses the appeal of South Florida, including the climate, lifestyle, and investment opportunities. He highlights the strong rental market and potential for capital appreciation. Ryan also introduces Real Trade, a marketplace that connects buyers and sellers with real estate professionals and service providers. He presents a real-world example of a four-unit property in Lake Worth Beach, showcasing the potential returns and financial breakdown. In this conversation, Ryan and Scott discuss various properties available for purchase...2023-11-2944 minThe Wisdom, Lifestyle, Money, ShowWhat Renovations To Do & Avoid For Real Estate InvestorsIn this episode, Scott Dillingham discusses real estate renovations for investors with Nick Messina from Team Goran Remax and Kass from Kass Design Studios. They highlight the mistakes that investors often make when renovating, such as choosing unique and custom designs instead of going for more neutral and generic options. They also discuss the importance of kitchen and bathroom renovations in maximizing the value of a home. The experts emphasize the need to consult professionals and build a team when undertaking renovations. They also caution against making drastic and outlandish design choices that may deter potential buyers.(00:00) - Introduction...2023-11-0522 min
The Wisdom, Lifestyle, Money, ShowWhat Renovations To Do & Avoid For Real Estate InvestorsSend us a text In this episode, Scott Dillingham hosts Nick Messina from Team Goran REMAX and Kass Dipasquale from Kass Design Studios to discuss renovation strategies and pitfalls for real estate investors.Key Timestamps:[0:00] Common Renovation Mistakes- Personal taste vs market appeal- Emotional decisions- Design customization risks[4:30] Cost-Effective Solutions- Neutral color strategies- Material selection tips- Budget optimization[8:45] Value-Adding Renovations- Kitchen renovation ROI- Bathroom update strategies- Investment prioritization[12:30] Planning Process2023-11-0523 min