Ep.95 | Non-Arm’s Length Transactions: Unlocking Opportunities in Private Lending

In this episode of the Canadian Private Lenders Podcast, hosts Ryan McNeil and Neil Andreino take listeners through one of the most overlooked strategies in private lending: non-arm’s length transactions.They start by unpacking today’s economic climate — rising unemployment in Ontario, hiring freezes, and the disconnect between stock market optimism and real-world struggles. From there, Ryan and Neil explain how non-arm’s length deals, such as family transfers, estate sales, or spousal buyouts, can be financed creatively with private funds when banks refuse to step in.Whether you’re a mortgage broker, investor, or just curious about how private lending works in unique scenarios, this episode delivers practical insights and proven strategies from two industry veterans.Show Notes:00:00 – Opening thoughts: recession talk, unemployment & market cracks01:38 – Why rates aren’t being cut & the role of inflation03:08 – Signs of opportunity in multi-unit & commercial properties05:25 – Today’s topic: What is a non-arm’s length transaction?06:18 – Definition & real-world family transfer examples07:32 – Why banks reject these deals (loan-to-value vs. loan-to-cost)08:33 – Case study: New Brunswick estate property10:20 – How private lending solved the deal & covered closing costs11:29 – Refinance strategy: moving from private to alt lender13:15 – Broker advantage: turning “impossible” deals into wins15:08 – Similarities to spousal buyouts16:05 – Equity vs. private lending: flexibility vs. rigidity17:33 – Key takeaways: trust building & long-term client value18:30 – Upcoming: Mortgage Summit live show & big interviews19:40 – Disclaimer & sign-offResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neil on:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan McNeilEmail: [email protected]