Most Canadian real estate investors never scale past a condo, duplex, or triplex because eventually they hit a financing wall.

In Canada, residential properties are usually qualified based on your personal income and debt ratios. Even if your portfolio cash flows, the bank may stop lending because you no longer qualify personally.

That is where multifamily financing becomes essential.

In this episode, we break down the shift from residential lending to true commercial and DSCR-based financing, where lenders focus more on the building’s income than your salary. We also cover why so few investors ever make this jump, why many residential brokers and branch bankers do not understand multifamily lending, and why the right network can make all the difference.

We discuss private lenders, CMHC and MLI Select programs, bridge financing, vendor take-backs, and the key players you need around you if you want to scale beyond “mom and pop” investing.

If you feel like you have hit a ceiling in your portfolio, this episode will help you understand why.

Want to talk strategy for your portfolio, business, or next move? Book a free discovery call through Equity Builders Club. https://www.equitybuildersclub.com/book-a-discovery-call

Join us at an upcoming Equity Builders Club event in Montreal: https://www.equitybuildersclub.com/events

Use code ML5 for $5 off.

You can also pick up a copy of Mindful Landlord on Amazon. https://terrieschauer.com/mindful-landlord/

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