Ian Gibson Moving Out Of The City 044 RSIRE Ian Gibson has been a Durham-based real estate agent for quite a long time. His speciality is helping people consider and make a move out of big cities into more rural homes. His experience with rural properties and how they are appraised makes the transition much easier, as well as having experience with amenities in a client’s new area helps out tremendously! He has worked with Laframboise mortgage on a quite a few occasions, so he and Nicolee chat a...
Apr 29, 2025•19 min•Ep. 44
Colin Byrne Buying Your First Home With Your Parents Help 043 RSIRE Colin Byrne shares his experience as a first time home buyer, and all the challenges that brings. He had been a renter but desired to own his own home after a roommate was moving out, so looked at condos. As with all experiences, there were positive and negative issues and he shares them to help other first time home buyers. His income matched a condo to his liking, and he was confident on paper that he could make the payments, ...
Nov 11, 2024•20 min•Ep. 43
George Dube from BDO on Building A Real Estate Portfolio 042 RSIRE George Dube, an accountant from BDO that specializes in Real Estate, but has a deep background in tax administration, joins host Nicolee Evans to chat about the importance of how to start investing, and why an accountant in the beginning can be your best friend and helper. Are you going to buy 1 investment property, or 100? Do you need to incorporate or can you do it under your own name? Is it easier to buy an additional single f...
Aug 19, 2024•26 min•Ep. 42
Arlen Ekstein Discusses Private Mortgages 041 RSIRE Arlen Ekstein, Senior Associate at Tembo Financial, joins host Nicolee Evans to discuss mortgage funds known as private mortgages. Unlike an A lender like a bank, or a B lender like other institutions, a private mortgage is usually put together with investors pooling their funds, to lend out to purchasers. Unlike the banks, the rules and restrictions can sometimes be easier to obtain financing for a purchase. Nicolee and Arlen touch on many of ...
Jun 19, 2024•18 min•Ep. 41
Jason Lane Offers Buying & Selling Tips For a Smooth Closing #040 RSIRE Jason Lane joined Woitzik Polsinelli LLP , Lawyers and Mediators in 2018 as a summer law student. Jason obtained his Juris Doctor from The University of Western Ontario in 2019 and is now an associate in our Family and Real Estate Groups. During his time at WP, Jason has gained extensive knowledge regarding a variety of real property matters such as the purchase and sale of new homes, condominiums, re-sales, and assignme...
Mar 15, 2024•22 min•Ep. 40
#039 RSIRE Lyndsey McNally Talks About Condo Ownership & What to Know Before Purchasing With a wealth of experience spanning back to 2002, Lyndsey McNally from Condominium Lending Group boasts an extensive background in the condominium sector, where she has dedicated her efforts to supporting the success of the communities that she works with. Lyndsey is the current President of the Toronto & Area Chapter of the Canadian Condominium Institute, volunteering her time extensively to improve...
Feb 08, 2024•22 min•Ep. 39
#038 RSIRE Tahani Aburaneh Shares Her Journey Empowering Women To Grow Wealth Through Real Estate Investing Tahani Aburaneh is one of Canada’s top real estate investing experts, an Amazon bestselling author, wealth coach, but above all, a proud single mother of 2 grown children. She has spoken to thousands of people as a keynote speaker on stages across North America and is a featured guest on numerous podcasts, TV shows and 2 international documentaries. Most recently, Tahani founded the Female...
Sep 26, 2023•19 min•Ep. 38
#037 RSIRE Steven Pargetter Discusses How He Helped His Parents As Retirees Through The Stress Test Steven is a GTA-based realtor who has been helping clients purchase and sell real estate for over 10 years. He LOVES living in downtown Toronto. As his bio says, “I have been living in downtown Toronto with my wife and son selling real estate for a decade now. I love to help people find the perfect property for their needs and see them succeed. Although I'm in a sales position, I believe that real...
Aug 19, 2023•25 min•Ep. 37
#036 RSIRE Arsalan Siddiqui Shares His Experience Building A Large Addition On His Home Arsalan is a Toronto-based realtor who decided to move his parents in with he and his family in 2019. They first started investigating buying a larger home, but what he thought they required was $2.5 million and above. To be practical, he decided to see if he could build a 550 Sqf addition onto his existing home, but there were many hurdles to jump - first of all seeing if it was possible/permissible in his a...
Jul 18, 2023•22 min•Ep. 36
#035 RSIRE Pasqualina De Rose Shares Tips About Estate Law & Real Estate From A Lawyer’s Perspective Lina De Rose is a Durham-based lawyer with extensive experience in both estate law and real estate law. In this episode, Denise and Lina chat about estate law and what happens with passing on without a will or with a will. How are real estate sales, purchases and transference handled without a will or proper estate planning? What is the strangest and most challenging situation Lina was involv...
Jun 24, 2023•16 min•Ep. 35
#034 RSIRE Sai Lee Shares How He Has Made Money Flipping Properties with $0 Out Of Pocket Sai Lee is a top real estate Mentor. After many years in the corporate world as an IT consultant. Sai Lee made the stunning decision to pursue a full time career in the world of real estate investing. He learned how to build wealth without using any of his own money, and that was a game changer. Working with a mentor, he had finally learned the true ins and outs of buying real estate to generate quick cash,...
Jun 08, 2023•18 min•Ep. 34
#033 RSIRE Brady Bodley On Dealing With The Landlord Tenant Board In Ontario Brady Bodley is a Durham-based lawyer with Thomas Efraim LLP. He has much experience with the landlord tenant board, for many reasons. He’s here with guest host Nicolee Evans to discuss many of the challenges he’s seen, how COVID made hearings more challenging, and some of the good things that the LTB does here in Ontario. Join host award winning mortgage broker Denise Laframboise each week as she brings the good, the b...
May 27, 2023•18 min•Ep. 33
#032 RSIRE Kevin Harding Buying A Cottage For A Short Term Rental Business Kevin Harding is a Durham-based real estate agent, and has owned traditional rental properties that come with tenants and toilets. His wife and he were looking for something different, so decided to buy a 4 season cottage to use a few times a year, then rent out the rest of the time. While this can yield amazing financial returns, it also comes with many unique challenges, such as insurance and local regulations. What mis...
May 05, 2023•17 min•Ep. 32
#031 RSIRE Denise & Gabriel Share Their Experience Building A Legal Basement Apt In Their Home Denise and her husband Gabriel found their dream home, it was the 3rd house they would buy, but it checked all the boxes. Both had a long drive to the office, and could not get to their daycare in time, so looked for something closer. They looked at Markham and other areas, but decided on Brooklin, closer to Gabe’s work so that he could pick up the kids. They decided it would be a good idea to put ...
Apr 11, 2023•15 min•Ep. 31
#030 RSIRE Denise & Gabriel Share Their Experience Buying A Home Before Selling Denise and her husband Gabriel found their dream home, it was the 3rd house they would buy, but it checked all the boxes. Both had a long drive to the office, and could not get to their daycare in time, so looked for something closer. They looked at Markham and other areas, but decided on Whitby, closer to Gabe’s work so that he could pick up the kids. The market was very hot at the time, and many of the houses t...
Mar 27, 2023•17 min•Ep. 30
#029 RSIRE Milli Fox Shares Her Experience Getting To Her Dream Home Milli Fox and her husband Junior decided to purchase a pre-build 3 bedroom condo, based on plans and thought it would be perfect for their life. Milli had resisted the suburban life, and envisioned a perfect life downtown. By the time the condo was ready and they were conducting their PDI, pre delivery inspection, they had a 2.5 year old and it was one week from closing. They quickly realized that with another child on the way ...
Mar 10, 2023•17 min•Ep. 29
#028 RSIRE Nicolee Evans - Her Experience With Bridge Financing Nicolee and her husband were living in their first starter home, before she was a mortgage agent, and it was beginning to feel cramped. She decided they needed something bigger, but her husband wasn’t quite on board, so began a purposeful search. Her friend suggested another friend had a house for sale, although it wasn’t listed yet. It was PERFECT! The family wanted Nicolee and her family to buy it, so they had to sell, but the fri...
Feb 24, 2023•16 min•Ep. 28
#027 RSIRE Mohamed Bachani - Buying With a “B” Lender & Moving To an “A” Lender Mohamed Bachani is a Durham Region-based accountant, founder and president of Unique Accounting Services, an Accounting and Bookkeeping firm that helps Canadian small and medium sized businesses with all their bookkeeping, taxation and accounting. He wanted to move from renting to owning, was pre-approved and had his down payment, but when he came down to purchasing, he wasn’t able to qualify for his mortgage wit...
Feb 10, 2023•24 min•Ep. 27
#026 RSIRE Johnathan Pollock Shares The Ups & Downs Of Being A Landlord Johnathan Pollock has been a landlord for the last 6 years, and chats with Denise about the challenges and benefits of being a landlord. While real estate is an amazing tool to grow your wealth, it is NOT a passive investment, requiring you to stay on top of your money and know what’s going on with your tenants. They renovated the property they were living in, then moved into the basement and rented out the top floors, a...
Jan 25, 2023•21 min•Ep. 26
#025 RSIRE Brady Bodley Shares Info On The New Anti-Flipping Tax Law Brady Bodley, lawyer with Birch Law, joins Denise in discussion of the new Federal Anti Flipping law, coming into effect in January 2023. What does the bill aim to accomplish? The Canada Revenue Agency (CRA) has already been investigating and enforcing residential real estate that was being flipped or assigned and not properly reported as business income. Essentially, house flippers have been using the Primary Residence Exempti...
Dec 20, 2022•17 min•Ep. 25
#024 RSIRE Farah Dhalla Shares How Staging Makes a Difference in Home Sales Have you been to an open house or a house viewing and were wowed by how neat, tidy and organized the house was? Chances are it was professionally staged. We all get busy day to day and leave our homes a bit unorganized, but that can be a deal killer when you’re trying to sell your home. Many people can’t see past the clutter, or they notice your throw pillows are a bit worn, or perhaps the entrance needs a new coat of pa...
Dec 01, 2022•18 min•Ep. 24
#023 RSIRE Todd Miller 2nd Time In The Rental Market Purchasing investment real estate can be rewarding and challenging, and sometimes both! Sometimes you are stressed and overwhelmed and want to sell your rental properties. Todd Miller experienced this a few years ago, after purchasing an investment property that was empty when he and his wife bought it. Instead of an exhaustive search and screening process for tenants, they decided to rent it to family, as you could trust them with your precio...
Aug 11, 2022•21 min•Ep. 23
#022 RSIRE Julie Gill Separating and Selling A Home What happens typically when a couple separates and they have a matrimonial home? Do you sell and both move? Does one partner buy the other out? Julie Gill experienced this a few years ago, and had small children that went to local schools, so her thought originally was to buy her husband out so that the kids could stay in their local schools with their friends. This was not going to happen, and the home was too large anyway. They had a lot of d...
Jul 05, 2022•16 min•Ep. 22
#021 RSIRE Using An Accountant To Watch Your Bottom Line You want to be a real estate investor…perhaps you already own a few properties, but do you have a good handle on the finances of your investments? What can be written off? What can’t be? Can you pay your self as property manager? Is my HELOC deposit taxable? MIKE LIBBY is a Durham-based Chief Operations Offices of Your bottom Line, an accounting firm that works with many self-employed persons and investors. Whether it’s personal income or ...
May 13, 2022•28 min•Ep. 21
#020 RSIRE Buying A House In Rough Shape KAELEIGH NADEAU is a Durham-based designer and renovator that found a great 2nd investment property. The house was cute, but it was currently tenanted and was dirty, which make it harder to see the potential. She did a walk through and as a designer, could see what she wanted opened up, and what was to be closed off. Were there horrors lurking behind the walls? Yep, wiring, etc. but she dealt with them, as she does most days for her clients. What did Kael...
Apr 08, 2022•21 min•Ep. 20
#019 RSIRE Using Equity To Buy A Rental Properties CRISTIN TEDFORD is a Durham-based realtor that decided to advantage of the equity in her family home to purchase another property, to eventually help her kids have a place to live. Was it easy, was it a hands-off investment? No, but there is no other single investment vehicle that gives you the control and flexibility that real estate offers. Did she have problems with tenants? YES! Did it last forever? No, once she got her screening process ref...
Mar 24, 2022•19 min•Ep. 19
#018 RSIRE Buying A Property & Renting To Students TANJA COUGHLAN is a homeowner that wanted to purchase a new build and either rent it out or sell it, after the 2-3 years it would take to build the subdivision. They had been thinking of purchasing another property for some time, and put a small deposit on it initially, then the balance of $20,000 and waited for it to be completed. When offering rental properties, one of the things to expect is that some tenants will not treat the property l...
Mar 04, 2022•18 min•Ep. 18
#017 RSIRE Construction Financing a Major Renovation KIRSTEN MCGOEY is a Durham-based photographer that specializes in commercial and corporate photography. She and her husband moved from Toronto to the Durham area, and bought a very small 820 sqft bungalow. It had 2 bedrooms and kitchen/bath on the main floor, but wanted to put on some additions, and it was not suitable for her family of 5. Unlike accessing an LOC to fund this venture, they needed construction financing. They found a builder to...
Feb 06, 2022•20 min•Ep. 17
#016 RSIRE The Smith Manoeuvre ROBINSON SMITH operates Smith Consulting Group Ltd, out of Sidney, B.C, on Vancouver Island. Robinson joined his father, Fraser, at Smith Consulting Group Ltd. back in early 2006 when he returned to Canada from Asia in order to be closer to family (his mother missed him…) and began to take over the family business. Robinson has since been advising hundreds of families on the implementation of The Smith Manoeuvre ™️ and there is no one better positioned to continue ...
Jan 17, 2022•19 min•Ep. 16
#015 RSIRE Selling Your Home And Renting Instead Samuel Springer is a Durham Ontario-based insurance professional, that truly enjoys his work. And although he was a homeowner, BEING a homeowner doesn’t bring him joy. After a few issues and some leaks, Samuel and his wife decided to sell their condo and rent a property instead. One of the ‘pros’ is, when something goes wrong, you pick up the phone and someone else takes care of it. One of the ‘cons’ is that you just can’t do what you want with th...
Dec 31, 2021•16 min•Ep. 15
