The Truth About Financial Independence for Canadians

What happens when an Ontario tenant stops paying rent, continues occupying the property, and allegedly collects rent from other occupants? For Erwin Szeto, the answer has involved 13 months of arrears, evidence gathering, legal preparation, and a long wait for an LTB hearing. In this episode, Erwin speaks with Rose Marie, President of SOLO, the Small Ownership Landlords of Ontario. Rose Marie shares practical lessons on Ontario tenant screening, Landlord and Tenant Board procedures, rent arrears, collections, sheriff enforcement, bankruptcy, private investigators, fraud evidence, furnished rentals, and the professional team every rental property investor should build before an emergency. Rose Marie also discusses SOLO’s vetted community of approximately 8,500 landlords, its advocacy work, its digital landlord guides, and the SOLO Landlord Conference scheduled for October 24, 2026, at Humber College.📌Reserve your seat for the event: https://solo.ca/Use the code "ERWIN10" for 10% off📅 UPCOMING FREE TRAINING — "The Strategy That Beat the Market by 28%"Tuesday, October 27, 2026 · 8:00pm ET · Online Reserve your spot: https://www.infinitywealth.ca/20260602Saturday, November 07, 2026 · 9:00am ET · Hybrid (iWIN Office, Oakville + Zoom). Reserve your spot (40 in-person seats): https://www.infinitywealth.ca/20260530

What are Canada's most experienced real estate investors seeing right now?In this episode, Erwin Szeto sits down with Nick Karadza to discuss the state of the Canadian economy, where investors are finding opportunities today, the future of real estate investing, student rentals, Toronto density projects, and how AI is changing business and investing. They also explore why the easy-money era is over, what it takes to adapt in uncertain times, and why building the right network may be more important than ever.Nick also previews the Your Life, Your Terms Event on Saturday, October 17, from 8:15 a.m. to 2:00 p.m. in Mississauga, Ontario. Details are available at - www.yourlifeyourtermsevent.comIf you’re looking for ways to build wealth more intentionally, create more passive income, and explore strategies beyond buying another rental property, join us at the next Zero Down Wealth Strategy event. We’re hosting two upcoming sessions:Tuesday, October 27th (Zoom only): https://wealthhacker.krtra.com/t/MWJBhX3QtFrKSaturday, November 7th (Oakville + hybrid): https://wealthhacker.krtra.com/t/UCtn7w6XdxlFWalking through the math, the loss scenarios, and how it fits alongside a real estate portfolio.

What if one $800,000 bungalow could become four homes worth $4.5 million, without dealing with tenants?In this episode, Erwin sits down with Daniel Zimberoff and Ming to explore condominiumization, missing middle housing, and how developers are creating more housing options in Toronto. They discuss turning a single property into multiple ownership units, the economics behind walk-up townhomes, development risks, financing, construction costs, and why this model could be part of the solution to Ontario's housing shortage.Whether you're a real estate investor, developer, or simply curious about innovative housing strategies, this episode offers a fascinating look at a growing trend in Canadian real estate.📌 Connect with Daniel and Ming:Website: https://harvietownhomes.comInstagram: https://www.instagram.com/harvietownhomes/Email: [email protected]

Erwin Szeto sits down with Sadaf Chowdhury, Director of Investment Sales at Equitable, to discuss how Canadian investors are looking beyond rentals. They explain professionally managed stock funds with insurance features, estate planning, annuities, investment loans and how AI is changing professional fund management. What a 25% down investment-loan strategy means How professionally managed stock funds can include estate-planning features Investment loans versus traditional margin accounts Why Canadian investors are looking beyond rental properties How AI is changing stock selection and portfolio management 📌 Connect with Sadaf:Linkedin: https://www.linkedin.com/in/sadaf-chowdhury-ca/Free training: Join Erwin on Saturday, September 12 (Oakville + Zoom): ⁠⁠iWIN Integrated Wealth Planning⁠⁠or Tuesday evening, September 15, (Zoom only): ⁠⁠iWIN Integrated Wealth Planning for a deeper dive into zero or 25% down investment-loan strategies for qualified Canadians. Learn how the strategy works, what the risks are, and how to decide whether it may fit your financial goals. Educational purposes only. Investment loans and professionally managed stock funds involve risk and may not be suitable for everyone. Approval and performance are not guaranteed. Suitability depends on income, cash flow, risk tolerance and goals.

Victoria Suen bought her first investment property at 19 years old. She couldn't qualify for a mortgage on her own, so her sisters signed for it. Sixteen years later, she's a licensed architect and the founder of BuildEx Design, helping investors turn some of Toronto's tightest lots into 4 and 6 unit buildings. This episode is a crossover. Erwin's wife and business partner, Cherry Chan, CPA, sat down with Victoria for her Real Estate Tax Tips channel, and the conversation covered ground worth sharing with the full TAFI audience. Victoria walks through the missing middle: the duplexes, triplexes, fourplexes and mid-rise buildings that used to be illegal to build on most Canadian lots, and why that's changing fast. She and Cherry get into the real numbers: lots as narrow as 22 feet fitting 5 units, development charges waived under CMHC's MLI Select program (worth $50,000 to $80,000 per unit), and why most investors are getting 80 to 85% loan-to-value rather than the 95% sometimes advertised. In this conversation, we cover:  What the missing middle actually is, and why cities stopped allowing it for decades Why Toronto now allows up to 6 units on lots as narrow as 22 feet, with no parking requirement Why Ottawa is eliminating parking requirements entirely starting September 2026 The 3 moving parts investors need to line up: design, cost, and financing How CMHC's MLI Select program waives development charges and improves financing terms Why most investors leave around $100,000 in a project after refinancing, and pull the rest of their capital back out The most common mistake investors make when projecting rent What happens when a century-old Toronto home hides a crumbling foundation behind the walls Why Victoria started her own firm instead of staying inside a traditional architecture practice 🚨 Free live webinar: "The Strategy That Beat the Market by 28%" — Sat Sept 12 (Oakville + Zoom): iWIN Integrated Wealth Planningor Tue Sept 15 (Zoom only): iWIN Integrated Wealth Planning👉Reserve your spot free