Ep.138 | $20K Down Loans, 50 Years of Lending & Rebranding the Industry w/ Dean Koeller

Dean Koeller, President & CEO of Calvert Home Mortgage and Board Chair of CAMLA, joins Neal and Ryan live at the CAMLA Ontario Expo. In this episode, Dean breaks down Calvert's unique $20K-down flip and BRRRR program, how their in-house appraisal team gives real estate investors a genuine edge on after-repair value, and how they've been closing deals in 24 hours since before it was a selling point. We also get into the story behind CAMLA, why Dean went to 20 competitors to solve a compliance problem and ended up building Canada's national alternative lending association. Dean makes the case for why calling ourselves "private lenders" may be hurting the industry, what the 2025 CAMLA position paper means for regulators and consumers, and the real risks posed by unregulated lenders operating outside the system. Plus, he tells the hosts they might want to think about changing the name of this podcast.Show Notes:1:09 - Meet Dean Koehler & Calvert Home Mortgage1:41 - How Calvert Was Founded in 19753:48 - The $20K Down Flip & BRRRR Program5:19 - In-House Appraisals & the ARV Advantage8:32 - Why Dean Started CAMLA9:27 - Building a National Association11:17 - Alternative vs. Private Lending — Why the Distinction Matters12:47 - The Risks of Unregulated Lenders14:41 - Should We Change the Podcast Name?16:13 - New AML Rules & Advice for BrokersResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: [email protected] Dean on:E-Mail: [email protected]: Dean Koeller