Service Offerings

Mortgage Engineering

Apply smarter ways (e.g. Smith Maneuver, Debt Swap Accelerator) to pay off mortgage loans sooner and build wealth faster
For instance, if you have a home worth $1.5M, a mortgage balance of $0.5M @ 4.25%, I can help reduce the rate to an effective rate of 1% through financial engineering. That's what the top 1% have been conducting. Contact me to learn more!

Residential Mortgage & HELOC

Borrow up to 95% (or even 100%)
Salaried/Self Employed/Cash Income/High Net Worth/New to Canada/Foreign Income/Newly Graduated Professional (Physician/Lawyer/Dentist)/Holdco
Big 6 Banks & Alt A Lenders (no fee)/B Lenders (low fee)/Private Lenders
Mortgage interest expenses can be tax deductible. Contact me for details

Commercial Mortgage

Office, Apartment Complex, Hotel, Motel, Gas Station, Farm, Shopping Plaza, Warehouse
CMHC Standard and SLI Select borrow up to 85%/90%
Complementary financial advisory services and 5-year modeling on NOI and ROI projections
Commercial deals are very different from residential, and require a strong financial background to handle

Reverse Mortgage

Age 55+, no income requirements, no monthly payments
Borrow up to 55% of the appraised home value
Applies to both principle home and rental properties
No negative equity guarantee! (never get kicked out!)
Accrued interest expenses are tax deductible
Tax shields on taxable income (free loans potentially)
Leverage reverse mortgage to make principal home buying tax deductible! Wanna learn how?
Efficient estate planning tool. Contact me to explore!

Private Mortgage

24h to 3-day turnaround, borrow up to 80% LTV
No income requirement
Relatively low fee and interest rate
Guide clients to A lenders in 1-2 yrs

Private Lending Investment

Up to high double-digit return outperforming many fixed income products, Mortgage REIT index and popular indices e.g. S&P 500 & Nasdaq in the long run
$0 management/transaction fee
Arbitrage opportunities. Contact me to explore more!

Invest in Private Lending

Secondary Suite Loan/Refinancing

The home must already be owned by the borrower who is either occupying, or a close relative is occupying, one of the units
CSSLP $80k @ 2% interest and 15y amortization (no prepayment penalty)
Insured refinancing up to 90% LTV and 30y amortization up to $2M property value to finance up to 4 rental units
Interest expenses incurred are tax deductible