Age 26, Making $300,000 in 20 Months On Cash Flowing Duplexes and 70 Hour Weeks With Joe Costanza

What was I thinking not hiring a coach sooner?

For regular listeners, you know I’m a big fan of self development, learning, reading, and one of my favourite hacks is having coaches.

I have Crossfit coaches, a Realtor coach, two Stock Hacking coaches, a new real estate investing coach and a pretty new golf coach.

My golf coach’s name is Chris and he’s a lot better than I at golf.  He’s an associate golf pro at a pretty nice public golf course in Oakville, Ontario. He’s a tall, thin, 150 pound scratch golfer and drives the ball 300 yards.  Scratch golf means he’s in the top 1.6% of golfers who report their scores.

As with anything in life, business, health, investing, I view it all as an experiment. 

When the pandemic hit, the first thing we were allowed to do was golf so I took up the sport.  2020 is the first year I’ve played more than twice in a season so I think that qualifies me as a beginner.

This past Friday I had just my fourth golf lesson with Chris and finally made some massive improvements, the most improvement I’ve made all season.

Right after my lesson, we played nine holes and I proceeded to have my best 9 holes of the season highlighted by landing my ball 12 feet from the hole on a 193 par 3 with my 5 iron. That’s about 30 yards farther than I normally hit my 5 iron and I made the putt for my first birdie of the season. 

The next day, I was golfing with Cherry and ten other friends and I had one of my better rounds of the season include 3 pars and a birdie on the front 9.

What is the point of all this?

After the round was over I couldn’t help but kick myself how if I could do it all again, I would have invested more heavily into coaching near the beginning of the season as much of the practice I did this season was kinda wasted.

This was yet another experiment that proved to me the value of coaching. 

Practice and youtube and reading articles online as much as I did… those tens of hours did not compare to the 4 hours of coaching I’ve received. 

Going forward I will be taking weekly lessons as it is one of my Stock Hacking goals to afford me a nice golf membership.

In my experience, I pay tens of thousands each year for coaching and the investment has returned. 

My question to the listener is where can you fast track your success by hiring a coach? I’ve wasted a lot of time in all areas by not having a coach.

Please don’t make the same mistakes I did.

This week’s guest, 26-year-old Joe Costanza was smart and worked with Coach Tammy Ditomaso from my IWIN Real Estate team to begin his real estate journey. 

If you’re interested in learning for free the same strategy implemented by young Joe who’s increased his net worth by over $300,000 in just 20 months then go to www.iwinrealestate.ca and enter your contact information to be notified of our next free training class on the #1 investment strategy in real estate.

On to this week’s show!

Age 26, Making $300,000 in 20 Months On Cash Flowing Duplexes and 70 Hour Weeks With Joe Costanza

I first met Joe Costanza 20 months ago when he was a starry-eyed 24-year-old who had been hustling since a teenager, working several jobs, living at home to save up down payments for real estate. 

An architect by trade and having tried several side hustles less than successfully, Joe settled on real estate without much support from his parents.

Fast forward to today, Joe owns three properties, two he’s already duplexed and the third to be duplexed house with a joint venture partner. 

This is Joe’s story.  For those who like numbers, we’re pretty heavy with the numbers in this episode so have your pens ready.

I give you Joe Costanza.

Subscribe on Android

To Follow Joe: 

Instagram: https://www.instagram.com/josephcostanza/?hl=en

Facebook: https://www.facebook.com/joseph.costanza.714

Before you go, if you’re interested in being a successful real estate investor like those who have been featured on this podcast and our hundreds of successful clients please let us know.

It is our honour to give back and educate others on how we build cash flowing real estate portfolios using all the best practices shared on this podcast, from the lessons of our hundreds of clients and of course our own experience in owning investment real estate.

If you didn’t know already, we pride ourselves at being the best of the best real estate coaches, having the best property managers, contractors, handy people, cleaners, lawyers, accountants, everyone you need on your power team and we’re happy to share them with our clients to ensure your success. 

New investor or seasoned veteran investor, we can help anyone by providing our award winning coaching services and this isn’t all talk.

We have been awarded Realtor of the Year to Investors in 2015 by the Real Estate Investment Network, 2016 by the Canadian Real Estate Wealth Magazine and again in 2017 because no one told the judges no one is supposed to win the award twice but on merit, our peers deemed us as the best.  In 2018, we again won the same award by the Real Estate Investment Network.

Hopefully being the most decorated team of Realtors in Ontario will make you consider us for your first or next real estate investment.  Even if you don’t invest in our areas, there’s a good chance I know who would be ideal for you. 

I’ve been around for a while, some Realtors are talented at servicing investors there are many with great ethics.  The intersection of the two, talent and ethics is limited to a handful in each city or town.

Only work with the best is what my father always taught me.  If you’re interested, drop us an email at iwin@infinitywealth.ca.

I hope to meet you at one of our meetups soon.

Again that’s iwin@infinitywealth.ca

Looking to add another stream of income?

We just completed the long anticipated Stock Hacker Academy Live Introductory Course and it was awesome!

Stock Hacker Academy is the foundation that has helped Erwin, Cherry and many other Stock Hackers make thousands of $$ weekly and now they never have to worry about money again!

If you desire the same for yourself, click here to register now

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

Profiting in a HOT market…

Municipal bylaws to watch out for…

Mortgage terms that favour refinancing…

AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year.

Just imagine what winning in real estate could do for you.

If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca.

Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.

Erwin

Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

10 Duplexes In Five Years, 100% Committing to Wealth Hacking, Cash Flowing 1-2% per WEEK with Kris Lewis

Greetings my fellow Wealth Hackers,

What did you do for Halloween?

I love seeing everyone dress up! For my mastermind meeting with real estate dynamos like Susan White, Aaron Moore, Ryan Carr, Rachel Oliver, Sarah Coupland, they all showed up in costume to our Zoom meeting.

It was hilarious!

As I’m sworn to secrecy of what is discussed, I’ll share that “Beaker of the Muppets and a giant Hamburger made appearances” and I’ll leave it to you to guess who was who.

View this post on Instagram

Happy Halloween from our family to yours!!

A post shared by Erwin Szeto (@erwinszeto) on

My costume arrived late but it’s a bit of an evergreen costume, so I’ll do a reveal at a later time.

My kids dressed as Batman of course and Captain Marvel but more exciting than Halloween for me was the kids had their belt grading at kickboxing the morning of Halloween. This the first athletic test they’ve done and it’s the first time our club has allowed non-students to watch. 

Thanks to Covid, I’m stuck waiting outside in the car while the kids are in kickboxing class. I was totally surprised by how much the kids have learnt.

For the grading, they had to demonstrate boxing, kickboxing and even Karate style punches and kicks.  I personally appreciate a cross-discipline approach, no different than I invest in real estate and Stock Hack.

Our club is open-minded to teach different styles of striking. For any mixed martial arts or UFC fans out there, you know the importance of multiple disciplines.

The kids both passed and I couldn’t be more proud. 

We celebrated with ice cream that I bought on sale at Loblaws 🙂

10 Duplexes In Five Years, 100% Committing to Wealth Hacking, Cash Flowing 1-2% per WEEK with Kris Lewis

On to this week’s guest, an award-winning investor, Kris Lewis

Kris is a dad, husband, multiple business owner who is really into spreadsheets while grinding through to earn his ‘luck’.

His current priorities include reverse engineering a life he thought was impossible only a few years earlier.  His goal from an investment perspective, which massively goes against his personality, is to make his income streams extremely boring.

Kris is a real estate investor focusing on the Durham region, specializing in duplex conversions, while knowing in the first 30 seconds whether a property makes sense for his long-term strategy. 

Kris believes in multiple streams of income as an insurance policy, which makes sense given his chosen profession. He believes in continuing to educate himself and to learn from what others before him have done.

While Kris knows that knowledge is key, he also realizes that embracing fear, making sacrifices and most importantly being ready to take action is an even bigger piece of the financial success puzzle, as evidenced by his 10 moves in the last 6 years. 

He’s come to relish the unpredictability of life and the opportunities that present themselves.

Before you go, if you’re interested in learning more about an alternative means of cash flowing like hundreds of other real estate investors have, then sign up for my newsletter and you’ll learn of the next free demonstration webinar I’ll be delivering.

It’s a much improved demonstration of the one I’ve given to my cousin Chubby at Thanksgiving dinner in 2019. He now averages 1% cash flow per week.

As a real estate investor myself, I got into real estate for the cash flow but with the rising costs to operate a rental business, it’s just not the same it was 5-10 years ago when I started.

Never forget cash flow reduces your risk, the more you have, the more lumps you can absorb and if you have no or limited cash flow, you’ll be paying out of your pocket like I did at a recent basement flood at my student rental in St. Catharines, ON.

If you’re interested in learning more, register for free for my newsletter at https://www.truthaboutrealestateinvesting.ca/ and enter your name and email address on the right side. We’ll include in the newsletter when we announce our next free stock hacker demonstration.

Find out for yourself what so many real estate investors are doing to diversify and increase their cash flow. And if you can’t tell, I love teaching this stuff 🙂

Subscribe on Android

Before you go, if you’re interested in being a successful real estate investor like those who have been featured on this podcast and our hundreds of successful clients please let us know.

It is our honour to give back and educate others on how we build cash flowing real estate portfolios using all the best practices shared on this podcast, from the lessons of our hundreds of clients and of course our own experience in owning investment real estate.

If you didn’t know already, we pride ourselves at being the best of the best real estate coaches, having the best property managers, contractors, handy people, cleaners, lawyers, accountants, everyone you need on your power team and we’re happy to share them with our clients to ensure your success. 

New investor or seasoned veteran investor, we can help anyone by providing our award winning coaching services and this isn’t all talk.

We have been awarded Realtor of the Year to Investors in 2015 by the Real Estate Investment Network, 2016 by the Canadian Real Estate Wealth Magazine and again in 2017 because no one told the judges no one is supposed to win the award twice but on merit, our peers deemed us as the best.  In 2018, we again won the same award by the Real Estate Investment Network.

Hopefully being the most decorated team of Realtors in Ontario will make you consider us for your first or next real estate investment.  Even if you don’t invest in our areas, there’s a good chance I know who would be ideal for you. 

I’ve been around for a while, some Realtors are talented at servicing investors there are many with great ethics.  The intersection of the two, talent and ethics is limited to a handful in each city or town.

Only work with the best is what my father always taught me.  If you’re interested, drop us an email at iwin@infinitywealth.ca.

I hope to meet you at one of our meetups soon.

Again that’s iwin@infinitywealth.ca

Looking to add another stream of income?

We just completed the long anticipated Stock Hacker Academy Live Introductory Course and it was awesome!

Stock Hacker Academy is the foundation that has helped Erwin, Cherry and many other Stock Hackers make thousands of $$ weekly and now they never have to worry about money again!

If you desire the same for yourself, click here to register now

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

Profiting in a HOT market…

Municipal bylaws to watch out for…

Mortgage terms that favour refinancing…

AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year.

Just imagine what winning in real estate could do for you.

If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca.

Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.

Erwin

Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

Free Land to Build, Basement and Garden Suites To Maximize Cash Flow With Andy Tran

Hello, my fellow wealth hackers!!

The secret to happiness is practicing gratitude and I’m grateful I can still go to my Radix Crossfit gym in Oakville. 

I’m thankful several politicians including my local MPP’s who stood up to Doug Ford to not send us back to Stage 2, thus our gyms and indoor restaurants are staying open.

Before anyone gets mad, I get enough hate for doing this podcast for FREE. I’m no anti masker, this is hardly political, but I’ll happily stand up for small businesses since they’re not the source problem. It’s private gatherings and “sources unknown”. 

The sources are unknown because people are gathering in private, getting sick then lying to health officials about it. It’s not rocket science. 

Knowing the greatest source of transmission is private gatherings, why are restaurants and gyms the ones to be shut down and go bankrupt when in my area, they have not been the problem? And from my experience, they’ve invested thousands of dollars and hired additional staff for cleaning, disinfecting and screening.

In my city, the mayor stated how cases are declining below the provincial average and we have ample capacity at our hospitals so why another shut down to put the nail in the coffin of more small businesses.  I really don’t get it. 

Anyways, I’ve always believed talk is cheap and I put my money where my mouth is.

I’m making a $250 donation to MPP Jane McKenna who is not my MPP and I’ve let my MPP know about it.  I let my MPP know that I support leaders who support local small businesses who will stand up to Doug Ford. I’ve said it a couple of times, this pandemic is making people crazy, so that’s enough ranting from me.

The other crazy thing is how not crazy my real estate and stock hacker friends have been. For those who say money doesn’t buy happiness… well apparently it buys sanity. 

Shout out to Shane Layte who DM’d me.  He’s our real estate client and his stock hacking returns this year were 96% but he gave back some to land at 86% currently.  Or his returns are $5,000 less than what he’s earned this year at his 40+ hour job. 

In case I forgot to shout out Ron Esteban, I had lunch with Ron last week, we had him on the podcast just a few months ago but he’ll be coming back asap after he dropped a bomb on me. 

Ron has the highest percentage returns of any stock hacker alumni I’ve seen at 149% but do keep in mind, he’s account was funded by his real estate investments.  You need both real estate and stock hacking to be like Ron Esteban.

Happy Halloween everyone!!

Fingers crossed my costume arrives. I ordered it from Amazon and paid for express shipping. It’s now 9-10 days late. Hopefully, I’ll have pictures to post next week in the badass costume. 

From reading what my friend the infectious disease doctor is saying, we will be walking the neighbourhood with the kids in costume to enjoy the decorated homes. Cherry and I will buy our own candy to give to the kids and hide them around the house Easter egg hunt style. 

I’ll have to figure something that’s healthier as we only let Robin and Bruce eat very little candy so they actually don’t like stuff that’s too sweet as they’re not used to it. So whatever we buy, I have to want to eat it…. Oh boy, I need to get back into the gym more and have my work cut out for me.

In the real estate world, I will be speaking at the Investor Forum hosted by Canadian Real Estate Wealth magazine.

It is my honour to be one of their guest speakers and to share with everyday Canadians the best opportunities in real estate and hopefully, they will indulge me to share about stock hacking… this is the organization that awarded my team Real Estate Agent of the Year to Investors in back to back years 2016 and 2017. 

I will be on an expert panel sharing the when and where and what the best strategies are for 2021 for above market cash flow and returns. 

There is a link in the show notes to join the already 500 Canadians registered for the online conference. 

Full disclosure, it is an affiliate link and any commissions earned will go to my charity the Hamilton Basket Brigade to make sure some poor families in Hamilton will have their best Christmases ever.

Nov 3rd, all day online Investor Forum Conference for real estate investors hosted by the Canadian Real Estate Wealth Magazine.

Link: yourrealestateinvestorssummit.com/yourrealestateinvestorssummit1?affiliate_id=2787942

Now onto this week’s guest, one of my first real estate clients and long-time friend Andy Tran of Suite Additions.

Free Land to Build Basement and Garden Suites To Maximize Cash Flow With Andy Tran

Andy is a former Home Inspector, he’s a registered House and Small Buildings designer, real estate investor, developer.

Andy has a degree in Architectural Science and he’s best known as the leading authority on accessory dwelling units design. In plain English, that’s legal basement apartments or garden suites or the million other names for a self-contained apartment.

Why you need to know about accessory dwelling units is they are the best way to maximize your cash flow and overall returns in real estate.

I give you Andy Tran.

Subscribe on Android

To Follow Andy:

Web: http://www.suiteadditions.com/

Instagram: https://www.instagram.com/suite_additions/?hl=en

Facebook: https://www.facebook.com/suiteaddition

Before you go, if you’re interested in being a successful real estate investor like those who have been featured on this podcast and our hundreds of successful clients please let us know.

It is our honour to give back and educate others on how we build cash flowing real estate portfolios using all the best practices shared on this podcast, from the lessons of our hundreds of clients and of course our own experience in owning investment real estate.

If you didn’t know already, we pride ourselves at being the best of the best real estate coaches, having the best property managers, contractors, handy people, cleaners, lawyers, accountants, everyone you need on your power team and we’re happy to share them with our clients to ensure your success. 

New investor or seasoned veteran investor, we can help anyone by providing our award winning coaching services and this isn’t all talk.

We have been awarded Realtor of the Year to Investors in 2015 by the Real Estate Investment Network, 2016 by the Canadian Real Estate Wealth Magazine and again in 2017 because no one told the judges no one is supposed to win the award twice but on merit, our peers deemed us as the best.  In 2018, we again won the same award by the Real Estate Investment Network.

Hopefully being the most decorated team of Realtors in Ontario will make you consider us for your first or next real estate investment.  Even if you don’t invest in our areas, there’s a good chance I know who would be ideal for you. 

I’ve been around for a while, some Realtors are talented at servicing investors there are many with great ethics.  The intersection of the two, talent and ethics is limited to a handful in each city or town.

Only work with the best is what my father always taught me.  If you’re interested, drop us an email at iwin@infinitywealth.ca.

I hope to meet you at one of our meetups soon.

Again that’s iwin@infinitywealth.ca

Looking to add another stream of income?

We just completed the long anticipated Stock Hacker Academy Live Introductory Course and it was awesome!

Stock Hacker Academy is the foundation that has helped Erwin, Cherry and many other Stock Hackers make thousands of $$ weekly and now they never have to worry about money again!

If you desire the same for yourself, click here to register now

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

Profiting in a HOT market…

Municipal bylaws to watch out for…

Mortgage terms that favour refinancing…

AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year.

Just imagine what winning in real estate could do for you.

If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca.

Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.

Erwin

Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

Landlord of 75 Properties Retiring From Landlording With Mike Rosehart

Hello, my fellow wealth hackers!!

Who says you can’t mix business with pleasure??

This past Friday, I hosted Canada’s youngest retiree to come into the iWIN Hub (my office) to record a podcast, show him Stock Hacking and shot virtual zombies in virtual reality.

This episode was inspired by Mike going on a rant on his Instagram account about his frustration with his real estate: tenant related problems, day to day management of a sizeable portfolio and all its moving parts including property managers and contractors, finding out sex workers were operating out of his short term rentals and related complaints from the neighbours.

Add to that the pandemic and it’s hurt on the tourism, short term rental market and student rental market.

I messaged Mike that I was sorry to hear about his challenges and we started talking about stock hacking so I invited Mike to my office to demonstrate for him the strategy, record this podcast episode, have lunch and since he made the 2 hour trip out from London, I figured we would do something fun that Mike can’t do in London.

I made a couple of suggestions and we settled on Virtual Galaxies, a free roam, virtual reality gaming place in Mississauga.  That’s when the hilarity ensued.

For anyone who knows me, I’m an oversized child and like to joke around. 

The game was zombie apocalypse, we are soldiers armed with virtual guns, we do have a physical game controller shaped like a gun to shoot virtual zombies with. 

If you have seen the movies or TV shows then you know zombies can be aggressive.  The objective is to survive, navigate scenes including walking through buildings to get to a rooftop so a helicopter can come rescue you all in virtual reality.

The game is intense, fully immersive and not for the timid as Jimmy, Mike’s mentee found out when we had to split up and he had to fend off waves of brain-hungry zombies on his own.

His dissatisfaction with being on a team of one… well Jimmy was vocal about it while I was crying laughing. It’s been five days since the experience and I’m still laughing about it!

After much feedback from Mike and I’s mutual friends who have already been through Stock Hacker Academy, he’s going to give it a go as well.

www.stockhackeracademy.ca if you too would like more information about it.

We don’t have any more free demonstrations planned for 2020 but I’ll let you listeners know when we do.  

Mike Rosehart is Canada’s Youngest Early Retiree, an Ivey Business Graduate, Youtube Social Media Influencer, Entrepreneur, and a Real Estate Investor in London, Ontario with an 8-Figure real estate portfolio comprising somewhere around 75 buildings in his career. 

He’s a private lender, a private borrower, dad of two young daughters and he loves to give back and share including gifting out space in his own home to his mentees.

Subscribe on Android

To Follow Mike:

Youtube: https://www.youtube.com/c/MikeRosehart/

Instagram: https://www.instagram.com/mikerosehart/?hl=en

Facebook: https://www.facebook.com/mike.rosehart

Before you go, if you’re interested in being a successful real estate investor like those who have been featured on this podcast and our hundreds of successful clients please let us know.

It is our honour to give back and educate others on how we build cash flowing real estate portfolios using all the best practices shared on this podcast, from the lessons of our hundreds of clients and of course our own experience in owning investment real estate.

If you didn’t know already, we pride ourselves at being the best of the best real estate coaches, having the best property managers, contractors, handy people, cleaners, lawyers, accountants, everyone you need on your power team and we’re happy to share them with our clients to ensure your success. 

New investor or seasoned veteran investor, we can help anyone by providing our award winning coaching services and this isn’t all talk.

We have been awarded Realtor of the Year to Investors in 2015 by the Real Estate Investment Network, 2016 by the Canadian Real Estate Wealth Magazine and again in 2017 because no one told the judges no one is supposed to win the award twice but on merit, our peers deemed us as the best.  In 2018, we again won the same award by the Real Estate Investment Network.

Hopefully being the most decorated team of Realtors in Ontario will make you consider us for your first or next real estate investment.  Even if you don’t invest in our areas, there’s a good chance I know who would be ideal for you. 

I’ve been around for a while, some Realtors are talented at servicing investors there are many with great ethics.  The intersection of the two, talent and ethics is limited to a handful in each city or town.

Only work with the best is what my father always taught me.  If you’re interested, drop us an email at iwin@infinitywealth.ca.

I hope to meet you at one of our meetups soon.

Again that’s iwin@infinitywealth.ca

Looking to add another stream of income?

We just completed the long anticipated Stock Hacker Academy Live Introductory Course and it was awesome!

Stock Hacker Academy is the foundation that has helped Erwin, Cherry and many other Stock Hackers make thousands of $$ weekly and now they never have to worry about money again!

If you desire the same for yourself, Click here to register now

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

Profiting in a HOT market…

Municipal bylaws to watch out for…

Mortgage terms that favour refinancing…

AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year, just imagine what winning in real estate could do for you. If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca. Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.
Erwin
Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

How To Cash Flow $400 Per Month With $10,000 to Invest With Joel Arndt

Hello, my fellow wealth hackers!

How is everyone this week?

A quick update from these parts, unfortunately with the rising daily cases of COVID in Ontario and the ever increasing restrictions, we at the Hamilton Basket Brigade will not be able to throw our birthday style party for the kids and the families we are supporting. 

I’ve regretfully had to inform both Superman and Wonder Woman their attendance will not be necessary.

The most impoverished families as identified by both the Hamilton public and catholic school boards however still do need our support hence we are delivering to them gift cards of $100 each per family member. 

It’s not much but it’s what we can do and you better believe Cherry and I will continue to focus on growing our wealth hacking: business, investing, and stock hacking so we may grow the funding of our charity. 

We don’t just volunteer and raise money, for 2020, Cherry and I are the #1 donors and we’ll be looking to take over the #1 donor spot in history very shortly.

Shout out to Scott Dillingham and Matt Green for being amazing donors and for making us work for #1.

Practice makes perfect, right? Well no, according to my daughter, she taught us the other night, practice makes progress.

Practice makes perfect describes a finish line but all your wealth hackers know, there is no finish line.  We strive to be 1% better each day or be better than the person we were yesterday, the week or month or year before. 

If you don’t believe me, did you know Tiger Woods did a complete overhaul of his golf swing? After just a few months and winning one in every four tournaments including winning the Masters by 12 strokes, Tiger wasn’t happy and worked with his coach to create a new golf swing. 

That would be the first of a couple times the greatest golfer and one of the greatest athletes of all time would decide his historical dominance of the sport was not enough. He could always improve.

It truly is fascinating to study the super successful. For example, I am asked quite regularly on the benefits of coaching.  To continue with the Tiger Woods example, his first two coaches as a professional golfer are widely consider the #1 and #2 coaches in the sport. 

Don’t worry folks, I’m not offering coaching. I take my work too personally and prefer more control or sometimes lack of control when it comes to my own golf game 😛

How To Cash Flow $400 Per Month With $10,000 to Invest With Joel Arndt

Anyways, this week’s guest is a returning interviewee, Joel Arndt.

When he was on last year, he out of the blue challenged me in my ability to make an investor successful so I had him ask me his questions on the podcast. 

Some time has since passed and I thought it a good time to check in with Joel on his progress.

Full disclosure, Joel now works with Cherry and me in our businesses and like all employees of ours, we teach them to be Wealth Hackers.  We don’t offer pensions but we’ll do our darndest to mentor them to be financially free.

Here is the conversation that came from a simple question when I asked Joel what he would do if he had $150,000 cash to invest.

If you’re interested in real estate investing go to www.infinitywealth.ca or if it’s stock hacking, go to www.stockhackeracademy.ca 

Have you met Joel Arndt!?

Subscribe on Android

Before you go, if you’re interested in being a successful real estate investor like those who have been featured on this podcast and our hundreds of successful clients please let us know.

It is our honour to give back and educate others on how we build cash flowing real estate portfolios using all the best practices shared on this podcast, from the lessons of our hundreds of clients and of course our own experience in owning investment real estate.

If you didn’t know already, we pride ourselves at being the best of the best real estate coaches, having the best property managers, contractors, handy people, cleaners, lawyers, accountants, everyone you need on your power team and we’re happy to share them with our clients to ensure your success. 

New investor or seasoned veteran investor, we can help anyone by providing our award winning coaching services and this isn’t all talk.

We have been awarded Realtor of the Year to Investors in 2015 by the Real Estate Investment Network, 2016 by the Canadian Real Estate Wealth Magazine and again in 2017 because no one told the judges no one is supposed to win the award twice but on merit, our peers deemed us as the best.  In 2018, we again won the same award by the Real Estate Investment Network.

Hopefully being the most decorated team of Realtors in Ontario will make you consider us for your first or next real estate investment.  Even if you don’t invest in our areas, there’s a good chance I know who would be ideal for you. 

I’ve been around for a while, some Realtors are talented at servicing investors there are many with great ethics.  The intersection of the two, talent and ethics is limited to a handful in each city or town.

Only work with the best is what my father always taught me.  If you’re interested, drop us an email at iwin@infinitywealth.ca.

I hope to meet you at one of our meetups soon.

Again that’s iwin@infinitywealth.ca

Looking to add another stream of income?

We just completed the long anticipated Stock Hacker Academy Live Introductory Course and it was awesome!

Stock Hacker Academy is the foundation that has helped Erwin, Cherry and many other Stock Hackers make thousands of $$ weekly and now they never have to worry about money again!

If you desire the same for yourself, Click here to register now

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

Profiting in a HOT market…

Municipal bylaws to watch out for…

Mortgage terms that favour refinancing…

AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year, just imagine what winning in real estate could do for you. If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca. Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.
Erwin
Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

The Worst JV Divorce I’ve Ever Seen With Seth Ferguson

Hello, my fellow Wealth Hackers!

Today was my kids’ first kickboxing class and they loved it!

Kids in kickboxing? That’s crazy right?! Well, I am one of those neurotic fathers of a daddy’s girl so what do you expect? 

And if you’ve ever watched any UFC then you know all pro fighters are trained in kickboxing and Brazillian Jiu Jitsu.  Unfortunately our Brazillian Jiu Jitsu has remained closed during this pandemic, so it’s just kickboxing for now. 

Next will be track as I’ve told my kids it’s actually best to run away and run away fast from a fight 😛

View this post on Instagram

A post shared by Erwin Szeto (@erwinszeto) on

In all seriousness, I want to bully proof my kids, especially my daughter should she ever have to teach a boy their manners.  As the saying goes, two black belts are better than one 🙂

Don’t worry though, we’re not letting the kids have all the fun… Our kickboxing gym is expanding so they’ll have adult class for Cherry and me to take while the kids have their classes.

I’ll need all the practice I can get to postpone that day where the kids can beat up their old man 😛

The Worst JV Divorce I’ve Ever Seen With Seth Ferguson

On to this week’s show, we have Seth Ferguson, a real estate TV Show Host, Podcast Host, author, soon to be second time author, apartment building investor and Stock Hacker.

I first met Seth a year ago when he invited me to his podcast, it’s one of my favourite interviews.

Not only is Seth a great producer and great dresser, he came prepared like none other for our interview.

Here’s the link in case you’ve missed it: 

Youtube: https://www.youtube.com/watch?v=CYzZrt9Zipc

Web: https://sethferguson.libsyn.com/creating-wealth-is-your-duty-erwin-szeto-0

I haven’t had much free time these days so when folks ask me out for a coffee wanting to know my story, I send them a link to this interview and they’ll learn a lot more about me this way vs. taking me for coffee.

After the interview, while Seth was packing up his kit we got chatting and he mentioned the potholes in his life he’s going to share about in just a moment.

You know me, I’m always wanting to help so I invited Seth to take the Stock Hacker Academy the next week, he did but hasn’t done much as these potholes have yet to release back to Seth his capital.

So, I invited Seth to our offices at the iWIN Hub for a tutorial and suggested if he wants to learn more he should take the all new 2.0 version of the Stock Hacker Academy and he signed up then and there. The alumni fee is nominal anyways and Seth loves to learn from the best as you’ll hear in this week’s interview.

Seth Ferguson has undergone THE WORST joint venture partnership divorce I’ve ever seen. 

The only thing more astounding is how high Seth has rebounded in building his influence and real estate portfolio in apartment buildings in the US. 

If you ever feel down, think of Seth and set your efforts and level of action higher. I give you Seth Ferguson

Subscribe on Android

To Connect with Seth:

Before you go, if you’re interested in being a successful real estate investor like those who have been featured on this podcast and our hundreds of successful clients please let us know.

It is our honour to give back and educate others on how we ourselves build cash flowing real estate portfolios using all the best practices shared on this podcast, from the lessons of our hundreds of clients and of course our own experience in owning investment real estate.

If you didn’t know already, we pride ourselves at being the best of the best real estate coaches, having the best property managers, contractors, handy people, cleaners, lawyers, accountants, everyone you need on your power team and we’re happy to share them with our clients to ensure your success. 

New investor or seasoned veteran investor, we can help anyone by providing our award winning coaching services and this isn’t all talk.

We have been awarded Realtor of the Year to Investors in 2015 by the Real Estate Investment Network, 2016 by the Canadian Real Estate Wealth Magazine and again in 2017 because no one told the judges no one is supposed to win the award twice but on merit, our peers deemed us as the best.  In 2018, we again won the same award by the Real Estate Investment Network.

Hopefully being the most decorated team of Realtors in Ontario will make you consider us for your first or next real estate investment.  Even if you don’t invest in our areas, there’s a good chance I know who would be ideal for you. 

I’ve been around for a while, there are some Realtors who are talented at servicing investors there are many with great ethics.  The intersection of the two, talent and ethics is limited to a handful in each city or town.

Only work with the best is what my father always taught me.  If you’re interested, drop us an email at iwin@infinitywealth.ca.

I hope to meet you at one of our meetups soon.

Again that’s iwin@infinitywealth.ca

Looking to add another stream of income?

We just completed the long anticipated Stock Hacker Academy Live Introductory Course and it was awesome!

Stock Hacker Academy is the foundation that has helped Erwin, Cherry and many other Stock Hackers make thousands of $$ weekly and now they never have to worry about money again!

If you desire the same for yourself, join the notification list now so you know when we have our next opening in the Stock Hacker Academy​.

Click here to join the notification list

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

Profiting in a HOT market…

Municipal bylaws to watch out for…

Mortgage terms that favour refinancing…

AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year, just imagine what winning in real estate could do for you. If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca. Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.
Erwin
Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

How A Former Technology Executive Automates His Real Estate For Mega Savings and Profits with Christian Szpilfogel

Welcome to the Truth About Real Estate Investing Show where we’re here to learn to build wealth together.

Having wealth is great, being part of a community where your friends and family have financial freedom, well that’s just a lot more fun to be a part of in my opinion.

How is back to school for everyone?

Our kids’ classes start date was delayed which is fine. I can see all the precautions being made and I’m confident in our school and teacher that everything is being done.

No different than in business or investing or stock hacking, I took an analytical approach to our decision to send the kids back.  Note that we didn’t have to send the kids back as we have a full time nanny that the kids love and she loves our kids back the same. 

Science, stats, whatever you want to call it, our school and the neighborhoods that attend our kids’ school is in the bottom 10% of covid cases in Ontario.

We don’t have any elderly living in our home so no at risk groups will be exposed to greater risk being around my family. Our kids are skipping the school bus and instead bike about 10 mins to school under adult supervision which they are enjoying.  

So far so good. The kids are enjoying seeing their old friends and meeting new ones. 

To show our appreciation, Cherry and I have sent gift cards to the teachers and our Vice Principal.

We received back notes of thanks, one teacher stated how the gift cards will be used to purchase class materials. I’ve followed up asking both what materials they need. Cherry and I will donate some or all of them. 

To me, it’s the least we can do to give back after what has been a very successful six months for our real estate and stock hacking investments.

I mean, the government is pouring money into the schools for all the added expenses of cleaning, technology, personal protection equipment, etc…

As always, I believe we as private citizens need to step up and fill gaps when possible.

Same goes for our charity, the Hamilton Basket Brigade. 

The need is greater than ever, we have more challenges than ever to host an event for these families in need but we are making it happen.

We are hosting an outdoor BBQ in the lower city of Hamilton, shout out to Charles Wah for donating the use of his parking lot and bathrooms. 

The budget will be the same, the love and care will be the same, it will just mean fewer gifts, more gift cards and a lot more hand sanitizer 🙂  As always, we can’t wait to be the change we want to see in the world.

There is much to be thankful for after what I saw two weeks ago…

Two weeks ago, I volunteered to help an entrepreneurs’ group I’m a part of to check out potential office/event space to rent out. 

Typical me, I show up excited without thinking it through but what did we find? Lots of beautiful space.

But think about it… Who is giving up their office space?  Failed small businesses. 

It was the saddest experience for me, it was like hopping between funeral homes for small businesses and as a real estate investor, I ask the question, why the space became available?  

All these businesses no longer needed office space, some were on life support as their businesses were adversely affected and some simply moved to work from home.

Is it any surprise that August Go Transit ridership is 23% of what it was a year ago. 

As far as I can tell, it’s a complete renters market for office space downtown Toronto and I imagine the same for many of the urban centers across Canada.

It was in the news last week how a couple of the biggest companies in Canada including banks are subletting unneeded space in their Toronto offices. 

What a crazy world we live in!

Speaking of crazy or maybe not so crazy as it’s becoming a regular occurrence, Cherry beat me again the last two weeks of she trader vs. he trader.

Each week, her aggressiveness paid off, I think she beat me by around $2,000 US for each of the last two weeks. 

The positive feedback on the Stock Hacker Academy 2.0 continues to pour in. We had a client last week choose freedom over continuing at his day job in exchange for being a full time wealth hacker: both real estate investor and stock hacker.

I’ll have Joe on the show soon to share his story of how he obtained his freedom.

If you’re interested in learning more, I’m giving a demonstration, totally free over Zoom.

This demonstration is in crazy high demand, we’ve had to upgrade our Zoom account and it’s the last one we have planned for 2020.

If you don’t know the story, I showed my kid cousin Wil, he’s known as “Chubby” to his family.  Anyways, I taught him how to stock hack over Thanksgiving dinner, he’s a full time musician and in 15-30 mins per day, he’s able to cash flow over $1,000 per week all from his mobile phone. 

September 24th, 8 pm again is the last demo we have planned for the year followed by Stock Hacker Academy 2.0 Featuring “the Godfather of Stock Options” – Best Selling Author of Get Rich With Options Lee Lowell.  Links to register are in the show notes at

www.truthaboutrealestateinvesting.ca

Free Demonstration: https://us02web.zoom.us/webinar/register/WN_VEx9tUmdTIO3PWMauybnZw

Details for Stock Hacker Academy 2.0: www.stockhackeracademy.ca/

How A Former Technology Executive Automates His Real Estate For Mega Savings and Profits w Christian Szpilfogel

Speaking of making money with technology, this week’s guest has some crazy awesome advice on how to use technology in his sizeable real estate portfolio to save himself time, money, grief, and it even got rid of a drug dealing tenant who assaulted another tenant out of his property. 

Some of Christians’ technology even makes him money. 

Needless to say, this is an excellent interview.  

This is a long episode as Christian was generous with his time, he is a former executive at one of Canada’s most well known technology companies in Ottawa, Ontario where he lives.

More recently we became the Vice President of Ottawa Real Estate Investors Group.  Shout out to outgoing President Rich Danby. 

We talk about what makes a good investment club and in the second half Christian lists off a bunch of technologies he has personally implemented in his real estate.

So, do have a pen and paper ready, you’re likely going to want everything he’s got after he explains the benefits.

Subscribe on Android

To Follow Christian Szpilfogel:

Before you go, a quick announcement, my real estate networking meetings are back and open to the public!

We only have limited seating in person and they sold out fast for the September iWIN Meeting but we have plenty of space online on Zoom.

For those who have been before, the presentations are excellent only exceeded by the quality of the attendees to come out. 

As always, I have several phenomenal guest speakers lined up, you’ve heard many of them already on this Podcast but with networking meetings, you get to interact and ask them questions. 

As the saying goes, you are the average of the five people you spend the most time with you. 

Personally, I like hanging out with successful, goal driven people or quality character and that’s what you’ll find at the iWIN Meetings

To be notified of the next iWIN Meeting just sign up for my email list at www.truthaboutrealestateinvesting.ca

Hope to see you there soon!

Looking to add another stream of income?

On October 3rd & 4th, you can join the next Stock Hacker Academy Live Introductory Course. Learn the foundations that have helped Erwin and Cherry make upwards of $2000 USD a week. Stock Hacker Academy includes:

  • Live, in person or digital, weekend Course with the Godfather of Stock Options, Lee Lowell.
  • 8 Weekly coaching webinars taught by Lee.
  • Access to all of the recording for 12 months
  • And so much more…

If you want to see this in action, click here to register for the next FREE Trading Demonstration.

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

  • Profiting in a HOT market…
  • Municipal bylaws to watch out for…
  • Mortgage terms that favour refinancing…
  • AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year, just imagine what winning in real estate could do for you. If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca. Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.
Erwin
Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

Commercial Investing for 160 Units Locally and in Curaçao. Plus How They Paid For Their Trip Around the World With Leslie and Jamie Collard

Hello my fellow Wealth Hackers!!

Who turned off the heat? It sure feels like summer is over and we’re sort of getting ready to send our kids back to school. 

For us, the start of school was pushed back one week and we’re in no hurry to send our kids back to school thanks to our live-in nanny who has been a lifesaver through the pandemic.

Speaking of back to school, we are back to our publicly available iWIN Networking Meetings to be live streamed via Zoom.

The cost to attend is nominal, the presentations will be world class as always and our guest speaker is exactly the speaker we need for these special times. 

He is a Police Constable, a victim of systemic racism, and at last check he holds 21 investment properties.

He is none other than Constable Jules Mackenzie

If you enjoy stories of inspiration like I do then you don’t want to miss it. Saturday morning, Sept 19th.

Here’s the link: https://www.eventbrite.ca/e/iwin-monthly-meeting-19-sept-2020-tickets-115917948705

These are special times however with back to school that usually coincides with back to business after a quiet August but these are special times, the August real estate market was on fire!!

Average prices in Hamilton were up 21.2% year over year for August and day on market were down from 29.6 days to 21.9 days per the Realtors Association of Hamilton-Burlington. 

If you like to know what’s going on with your real estate then you don’t want to miss our first publicly available meeting in 2020. 

Did you pick up new hobbies during the pandemic?

Because of government regulations, I defaulted to golf as I was dying to socialize with real people outside of my house.

Now here is how I use golf or any hobby as an experiment on learning and wealth hacking. The experiment is to see how quickly I can improve as a beginner. 

This year is the first year I’ve golfed more than twice in a summer, I believe that qualifies me as a beginner.  Last year I shot a 136 at the Hamilton Golf and Country Club.

Here are some best practices I’ve picked up in other areas of my work/investing I’ve applied to golf:

  • I hired a coach. A golf professional who’s coaching both Cherry and I. Like investing, golf is more fun when done with those you enjoy spending time with
  • Practice, I practice at least twice per week via play or the driving range or a lesson
  • You are the average of the five people you spend the most time with. My golf buddies include a couple very successful entrepreneurs, investors, and I’m usually the worst golfer in the group so I usually benefit from the tips from the better golfers
  • Tiger Woods: I read his biography and now I’m reading his book on how to golf. I enjoy reading books on ultra successful people and looking for insights into how they were raised plus how they raise their own kids.
  • Equipment: I bought my clubs on Boxing Day Sale because I’m frugal and they’re widely considered to be good quality.  As with many things, I have more disposable income compared to my talent and skill.
  • Putting mat: I bought a nine foot putting mat to play with in the living room with Cherry and the kids. My putting has improved immensely
  • There is no replacement for experience. As I learn how to play the game, I get better.

This past Friday, I played the same course again but only nine holes instead of 18 as it’s under renovation.  Last year I shot 136 over 18 holes, a couple weeks ago I shot 59 over nine holes and this past Friday I played well shooting 52. 

Proof yet again that investing in oneself pays off. 

From my experience, I’ve practiced similar applications to Crossfit and Brazillian Jiu Jitsu and of course my real estate investing and stock hacking, I have coaches, I read, I invest in education, and I spend a lot of time around both real estate and stock investors hence we offer meetups for both subjects. 

Investing in oneself pays off and this week’s guests have invested well into six figures into their education which has kinda worked out into 160 real estate rental units in not a very long time.

They also love this little side hustle that only takes them 15-30 minutes per day that paid for their next vacation around the world. 

That side hustle is what we call Stock Hacking.

If that’s something that interests you, learning how everyday Canadians like Leslie and Jamie from small town Ontario make money from their phones, I’m hosting another free demonstration, a more comprehensive demonstration than the one I showed my kid cousin over Thanksgiving dinner that resulted in him cash flowing $1,000 per week then the link is in the show notes.

All this talk about socialism and equality. Here, I’m doing my part in offering a demonstration for free… 

Here’s the link to join:

Sept 24: https://us02web.zoom.us/webinar/register/WN_VEx9tUmdTIO3PWMauybnZw

Commercial Investing for 160 Units Locally and in Curaçao. Plus How They Paid For Their Trip Around the World With Leslie and Jamie Collard

This week’s guests are none other than Leslie and Jamie Collard of Collard Properties and this is their 2nd interview on the Truth About Real Estate Investing. 

The Collards did start with smaller residential investments and are now focused on apartment buildings and developing vacation properties internationally.

Leslie and Jamie are quite open and sharing about how they find deals as well so make sure to have your pen and paper ready. 

They’re even hosting a commercial real estate conference online and you can learn more about that on their website www.collardproperties.ca

Subscribe on Android

To Follow Leslie and Jamie Collard:

Looking to add another stream of income?

On October 3rd & 4th, you can join the next Stock Hacker Academy Live Introductory Course. Learn the foundations that have helped Erwin and Cherry make upwards of $2000 USD a week. Stock Hacker Academy includes:

  • Live, in person or digital, weekend Course with the Godfather of Stock Options, Lee Lowell.
  • 8 Weekly coaching webinars taught by Lee.
  • Access to all of the recording for 12 months
  • And so much more…

If you want to see this in action, click here to register for the next FREE Trading Demonstration.

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

  • Profiting in a HOT market…
  • Municipal bylaws to watch out for…
  • Mortgage terms that favour refinancing…
  • AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year, just imagine what winning in real estate could do for you. If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca. Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.
Erwin
Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/

**Disclaimer:**

The views and opinions expressed by our guest Jamie Collard during this podcast episode are solely those of the guest and do not necessarily reflect the views or positions of our podcast, its hosts, producers, or any affiliated entities. The information shared by the guest is provided for general informational purposes only and should not be construed as legal, financial, or professional advice.

Please note that Jamie Collard and Leslie Collard are currently involved in ongoing legal proceedings, specifically the case of Collard & Markus Construction Inc. v. Collard Properties Inc. and Collard Holdings Ltd., 2024 ONSC 356. For more details on this case, you can refer to the official court document [here](https://www.canlii.org/en/on/onsc/doc/2024/2024onsc356/2024onsc356.html?fbclid=IwZXh0bgNhZW0CMTEAAR0_1SwpgLFcbIMgf9JWv3oDJYcfjA6QhUNEYX-M2VuJ4jg9tgECbIUDlZY_aem_AdN3lwL9v0PxlNcq6AiY2iHhNB2-axrQXQK77cPUOXUbS-3ywVpoUz96kxM72tO1uNMPxc0IwANsWDbPrbTFnkdb). Additionally, a supplemental report related to these proceedings can be viewed [here](https://docs.grantthornton.ca/document-folder/viewer/docul8LWsxcWho7J/2472424223861269481?_gl=1%2Aholdht%2A_ga%2ANTQzOTkzNTk5LjE3MTc0NzY2NDY.%2A_ga_JLRBBJ6PTP%2AMTcxNzU5MDQyNi4zLjEuMTcxNzU5MDQ0My40My4wLjA&fbclid=IwZXh0bgNhZW0CMTEAAR28VnVNhM7J8OG3Uie-lHTavyrC_3aPM3NQuyqRF_TB24pg1sC0a_hGdsM_aem_AUYWkiUE9XtACvy7SnEv6iIzM08a05xudcRSdTS_OPrNY_n4o9GtrlW3LrMCrqCUwHzRqO2asFEdUElcIqwAWYyc).

Any discussions or references to these cases or related matters during this podcast are intended to provide context and should not be interpreted as definitive statements of fact or legal conclusions.

Listeners are advised to consult with qualified professionals for any legal or financial advice related to the topics discussed. We make no representations or warranties about the accuracy, completeness, or currentness of any information shared in this episode.

By continuing to listen to this episode, you acknowledge that you have read and understood this disclaimer and agree that our podcast, its hosts, and producers shall not be held liable for any damages arising from the use of the information provided during this episode.

Personal Growth Of A Single Parent From Selling Tupperware To Real Estate To Investing for 50% Returns and Stock Hacking with Lynne Tham

Hello, fellow wealth hackers!

I trust everyone is well!! From people I speak to who are investing in stocks and real estate, the response is overwhelmingly positive with bumps along the way. 

Nothing is ever perfect.

In one of our student rentals, we installed an air conditioner in the attic and the students are happy except for one – The student who’s bedroom closet has the attic hatch.

Well, they’re not happy at all because dust got onto their furniture and they feel they weren’t given enough notice even though my property manager emailed them a week in advance of the installation and cleaners were in the house not even five minutes after the AC installer left.

I know because I was there.

The cleaners pulled into the driveway as I was leaving.

We offered to send the cleaners back but the student’s mom wants to be present to check if the workers and my handyman are wearing masks.

She asked to hold off on any other renovations so she can work it out in her schedule to be on hand but she didn’t want to take responsibility for the delays in letting the other student tenants know the cause of the delays.

Cherry and I are big on customer service hence we already gave a roughly 10% credit for the summer months which the students accepted and to send the cleaners back at our expense or to pay the disgruntled mom to clean herself if she preferred to keep the cleaners from returning.

What does she want? A four-month rent credit?

She also asked that I be present for her to vent her frustrations when my property manager is already present and authorized to represent me. 

I’m pretty busy between family and business and investing so that wasn’t going to happen.  Plus I’m not a fan of confrontation.

We have already offered the student and mom out of the lease as there is no satisfying her and as the saying goes, “How you do anything is how you do everything”, we’d like to avoid any future drama.

Such is the importance of having multiple streams of income.

Our portfolio can handle a hit to cash flow to make everyone’s lives easier. Life is too short to handle the drama from someone who wants thousands of dollars of compensation for dust on bedroom furniture.

This whole COVID thing is responsible for some special times. 

I’ve seen my brother once since January.  He came to my house to pick up a cooler for camping, he didn’t touch anything as he’s a biologist by education and studied infectious disease at school so he’s more cautious than most.

I miss him and my niece who’s only three years old but that’s what being responsible and respecting other people’s wishes is all about.  Families, tribes, society, etc… don’t get along without well, getting along. 

Then I see all the toxicity on social media. It’s crazy.

I generally don’t engage in it like discussing politics and religion on social media.  From anyone who’s read How to Win Friends and Influence People by Dale Carnegie, you’ll recall no one wins in an argument, there are only losers. 

Often both parties walk away angry at each other with neither being convinced to change their views and sometimes strengthening their resolve. 

So what’s the point? It’s a waste of energy in my opinion.

Then there is one of my favourite tips from the super awesome Tim Ferriss, best selling author of the Four Hour Work Week. 

In his book Tim gives the example of an upcoming election, how he saves time and energy, he simply asks a couple of people who have similar values on how they will vote and why and makes his decision from there.

In my experience, I’m lucky enough to be the son of a medical doctor and one of my best friends from school basically got perfect all through elementary, high school, university, and medical school.

I ask Dad how to protect his grandkids and he gives his advice.  Dave my doctor friend now works in a hospital so I ask him what he does for him and his three kids who are around the same age as mine. 

For me, that’s good enough for my family and me.

Everyone is entitled to their opinion, it doesn’t necessarily mean it’s a qualified opinion.  No different than when I say the Leafs need to trade for a defenseman. I have no idea who’s available or who would be good on our team but yeah, I have an opinion. 

You’re more than welcome to ignore it but just don’t argue with me 😛

We should already know this.

But too often we forget it.

You never know what’s going on in somebody’s life; what they’re dealing with.

  • Physical health.
  • Mental health.
  • Racism.
  • Financial burdens.
  • Jobs.
  • Divorce.
  • …the list goes on.

So be kind. Be an ally. Be a friend. Be better. Don’t have anything nice to say then don’t say it at all.

If anyone out there needs help feel free to reach out, I’m not hard to find.

Last week we lost one of Toronto’s finest. Nearly a decade with the Toronto Police and just over a decade with the Canadian Armed forces.  He was lost to suicide due to depression.  Someone who on the outside had it all.

I just wish he had said something and I’m pretty sure we all feel that way when these things happen.

Rest in peace Constable. I hope you’re in a better place, you should have seen your funeral, there were so many people there to say goodbye.

Personal Growth Of A Single Parent From Selling Tupperware To Real Estate To Investing for 50% Returns and Stock Hacking with Lynne Tham

On to this week’s guest, Lynne Tham.

She was nervous to come on the show which is not uncommon. Public speaking by some surveys ranks higher on the lists of fears above death itself….

Lynne’s kids including my friend Simon told her to just do it and she did!

I’ll post Lynne’s full bio on our website, www.truthaboutrealestateinvesting.ca.

It’s a wonderful Canadian success story of a teenager immigrating to Canada, falling in love with the greatest country in the world. 

Started a family, stayed at home to raise the kids, picked up a side hustle in multi-level marketing, excelled, became a single parent, became a Realtor, had a wake-up call at age 55 that she needed a retirement plan.

Invested in real estate, de-invested in real estate and now a pretty successful stock hacker.

I know we have several full time professional, uber-successful real estate investors like Ryan Carr and coming up next Leslie and Jamie Collard and their 160 units but for the investor who wants to take it easy and be a bit more passive…. Well, it worked out for Lynne.

Full bio:

Proud mom of two successful adults (Simon and Melanie) who form our family real estate team (we do between 40 – 50 deals per year as a team). 

I’m a constant advocate for personal growth in my own life and determined to create my own financial future goals of being able to live, travel and work from anywhere in the world. 

My own story – came to Canada by myself as an 18-year-old, without knowing anyone, from the UK, to be a nanny, in 1978.  It was supposed to be a one to two-year work stay.   Fell in love with the country, got married at 21 and became a Canadian citizen. 

Being a stay at home mom I was recruited to sell Tupperware in the ’90s and this was the beginning of personal growth for me.  I realized that I was a salesperson and loved motivating myself and other people to reach goals. 

I was with them for 10 years and ended up owning a distributorship with them in the Toronto area.  

After becoming a single parent in the ’90s, I had a five-year stint in the car business, being a business manager and selling cars, but long hours and very little personal satisfaction, motivated me to take my real estate license. 

I became an agent in 2006 with the desire of being able to have the ability to increase my income and have the flexibility to travel to see my kids, who were both now living in the U.S. (Melanie on a gymnastics scholarship at Iowa State University and Simon modelling in NYC).  

After building my business for six years it was a welcome addition to have my Mel join me in the business after she graduated university and then Simon, two years later. 

Both of my kids did not have real estate as a career goal but they kind of fell into it after realizing that it was a great way to earn good money and also be able to pursue other passions (not to mention my daughter’s teaching degree did little to generate an actual job in teaching and Simon realized that modelling looks don’t last forever – but as his mom, I would disagree 🙂 and he’s still modelling now)

Five years ago, at age 55, I was staring at my future and realizing that I needed more of a retirement plan – at that time, my net worth was basically the equity in my Mississauga townhouse (at the time, worth around 775k, and I had a mortgage of $300k on it) and I had $200k in RRSP’s and that was it. 

When I looked into what the Canadian pension was, if I waited until 65 to draw it, it was a wake up call.  

This started my journey into how to build a consistent income of at least $10k a month within the next five years.

I had met with an investment guy from a reputable company, regarding what to do with my RRSP’s, who told me he could generate me a guaranteed 8 – 10% annually with their various investments. 

It sounded a lot better than the 2% than my Scotia funds were generating, but luckily, I was introduced to investing in second mortgages by profunds in Burlington and decided to put my money there (it has now grown by over $100k in four years).  

Simon had introduced me to your podcasts and it opened up a new world of exploration. 

Around this time, I was invited to an event at my Keller Williams brokerage, put on by two agents who were representing, Brian Pullis’s project in Orillia. 

They were offering an investment opportunity to purchase a townhouse in an older complex that had been refurbished and all the interiors gutted and renovated. 

The homes were offered at $247k, and they were offering a $7k builder incentive and on top of that, my 2.5% real estate commission, so essentially I could buy one of these homes for $235k. 

Again, embarrassingly, I hadn’t realized that I could take an 80% line of credit against my primary residence to take the down payment for an investment property, and I had always had the mindset that I needed to pay off my mortgage before doing so.   

I got the line of credit and purchased my first property. 

The type of property fit me well as it was easy to manage, (one-year property management was offered for free), and it cash flowed ($1400/month in rent). 

This was a great first experience and it encouraged me to buy a second property in Orillia, which I had realized through listening to one of your podcasts (and Jules McKenzie), was listed in REIN’s top 10 cities in Ontario to invest in. 

The second property was easy as it was new construction and the builder was only requiring $20k down.  I closed on it a year later and after buying it for $345k and putting $20k into it, it attracted good tenants and covered itself.    

I sold the first property 3 years later and made around $70k net, and I just sold the second one (closed yesterday) and made $145k in three years.  

Last year, I had looked into the possibility of buying another investment property (at the time, I owned only one of the Orillia properties), but it had become so much more difficult to qualify for a mortgage and I was approved to buy at $600k, with B lender financing and it would have to be a legal duplex, generating $3400/$3500 monthly for it to work. 

I realized that it was too much for me at this point in my life, to drive to Oshawa (where it seemed like the only opportunities to do this, existed in this price range).   

In the summer I attended your IWin meeting where the discussion came up about the upcoming stock hacking course.  I was so inspired by Adriano’s story and I had been listening to your increasing interest in doing it yourself and was following your progress. 

Unfortunately, I was in Portugal in September when the first class was offered but as you know, Simon attended and he seemed to be quite inspired and impressed. 

What sealed the deal for me was hearing Habib’s podcast with you, in the late fall, and I knew I had to sign up.  

Since taking the two day course in December, it has changed my life. 

No other words for it. 

I started with $150k from my HELOC and then added $40k two months later.  Since just before Covid, as of today, I’m up $54k, which is nicely falling into my goal of $10k/month and is opening up my future. 

I plan on taking the profits from the sale of my investment property and adding it to my account, with the goal of making $15k to $20k a month consistently.   

I am constantly amazed at how options trading is not only something that I could grasp but is so easy, enjoyable, flexible and unlimited. 

I now find myself talking real estate clients (especially the ones around my age) out of buying their first investment property and doing options trading instead. 

As you always say, there’s a place for both and they go hand in hand, but for me personally, and others in my situation, looking at retirement and how to fund it, in my opinion and experience, this is an incredible option. 

Subscribe on Android

To Follow Lynne:

Facebook: https://www.facebook.com/lynne.tham/

Web: https://thamteam.com/

Looking to add another stream of income?

On October 3rd & 4th, you can join the next Stock Hacker Academy Live Introductory Course. Learn the foundations that have helped Erwin and Cherry make upwards of $2000 USD a week. Stock Hacker Academy includes:

  • Live, in person or digital, weekend Course with the Godfather of Stock Options, Lee Lowell.
  • 8 Weekly coaching webinars taught by Lee.
  • Access to all of the recording for 12 months
  • And so much more…

If you want to see this in action, click here to register for the next FREE Trading Demonstration.

NO MORE Confusion

After all the Youtube videos, books, and forum posts, you’re probably still left with questions. Starting in real estate is a tricky thing.

Frustrated beginners often ask how a legal basement suite conversion actually works. Most of the time we can only give general answers. But now, we get to dive in.

At this in-depth, free class you’ll learn how to take your first steps as a real estate investor.

Nothing is held back. Everything from analyzing basement suite conversion deals, to renting out your first property at a profit, and even how to refinance and do it all again!

More secrets you’ll uncover are:

  • Profiting in a HOT market…
  • Municipal bylaws to watch out for…
  • Mortgage terms that favour refinancing…
  • AND one barely used tactic for higher appraisals…

If you’re frustrated, unsure of how to get started, this is for you.

 Sign up now for the Invitation List and be one of the first to get an invite to the next class.

Sponsored by:

Infinity Wealth Investment Network – would you like to know how our investors returned 341.8% on positive cash flowing real estate over the last five years? On average, that was 68.4% per year, just imagine what winning in real estate could do for you. If you would like to know how we did it, ask us how by calling 289-288-5019 or email us at meaghan@infinitywealth.ca. Don’t delay, the top markets we focus in are trending upward in price, so you can pay today’s price or tomorrow’s price.

Till next time, just do it because I believe in you.
Erwin
Hamilton, St. Catharines and Toronto Land Development, Real Estate Investor, and soon to be builder.

W: erwinszeto.com
FB: https://www.facebook.com/erwin.szeto
IG: https://www.instagram.com/erwinszeto/