The Hard Truth Podcast

“A good buy opportunity isn’t when everyone says you should do it. A good buy opportunity is when it doesn’t feel good.”In this episode of the Hard Truth Podcast, I sit down with Kasey Wong to talk about the realities of being a landlord and building a real estate portfolio over the long term.From difficult tenants and unexpected challenges to scaling into larger multi-family buildings, Kasey shares lessons from decades of real estate investing. We break down how experienced investors analyze deals, rotate capital, and grow from small properties into larger assets.Kasey also explains why identifying your low-performing properties, or “dogs,” and reinvesting that equity into higher-performing “stars” can dramatically accelerate portfolio growth.In this episode we explore:✅ The reality of being a landlord: from tenant conflicts to unexpected challenges✅ How to identify real estate opportunities when market sentiment is negative✅ Why long-term investors focus on fundamentals, not headlines✅ Portfolio rotation: selling underperforming assets to upgrade your holdings✅ Scaling strategies: moving from small properties into larger multi-family buildings✅ The role mentorship can play in avoiding costly investing mistakes✅ Why market-aligned rents and strategic renovations drive long-term returns✅ How social media can build credibility and relationships in real estateWhether you’re a new investor buying your first property or a seasoned investor scaling your portfolio, this conversation offers practical insights on strategy, risk, and long-term wealth building.🎧 Enjoyed the episode?Share your biggest takeaway in the comments or let us know what topic we should cover next on the Hard Truth Podcast.Follow & Connect with Kasey Wong:YouTube - https://www.youtube.com/@kasey_wongInstagram - https://www.instagram.com/kasey_wong_apartments/Kasey Wong on the Canadian Real Estate Channel: https://www.youtube.com/playlist?list=PLVKh4BMVJHMNFRYHPt8A9WMgp5ze7a7_8 Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

“If you’re underwriting deals the same way you did two years ago, those pro formas are not going to work today.”In this episode of the Hard Truth Podcast, I sit down with Chris Sayers of 4Capital to break down recent CMHC rule changes in 2026 and what they actually mean for real estate investors and developers across Canada.CMHC just changed the rules, from energy efficiency requirements to rental achievement holdbacks and if you’re underwriting deals the same way you did a year ago, you could be taking on serious risk without realizing it.Chris shares how he went from duplex conversions to financing large multifamily and development projects, and why commercial financing offers more control over your exit, cash flow, and valuation compared to residential investing. We dive into how CMHC-insured financing really works, why leverage isn’t guaranteed, and why developers must underwrite deals without relying on CMHC as a fallback.We explore:✅ Residential vs. commercial investing: control, risk, and emotion✅ How CMHC-insured loans enable higher leverage and longer amortizations✅ 2026 CMHC energy efficiency changes and how they impact new construction✅ Rental achievement holdbacks and why clarity matters for developers✅ Why underwriting without CMHC is critical in today’s market✅ How experienced commercial brokers leverage relationships and deal volume to secure approvals…and much more.If you are a developer, investor, or real estate professional navigating CMHC financing, multifamily construction, or purpose-built rentals in Canada, this episode will help you understand what’s changed, what still works, and where deals break.🎧 Found value in this episode?Like, comment, and share your biggest takeaway.Have a guest or topic idea? Drop it in the comments.Follow & Connect with Chris Sayers:Instagram - https://www.instagram.com/chrissayersmortgages/?hl=enLinkedIn - https://www.linkedin.com/in/christopher-sayers-620b3a269/Facebook - https://www.facebook.com/icdevelopments/Website - https://www.mortgagealliance.com/mortgage-broker/ChristopherSayers/4 Capital Website - https://4capital.ca/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

"The market isn’t crashing — it’s correcting. And the best opportunities don’t feel good while you’re buying them."In this episode of the Hard Truth Podcast, I sit down with Mica Sadler, a real estate investor, former tech executive, and co-founder of the Real Estate Collective, to unpack 20 years of real estate cycles, from BRRRRing student rentals before YouTube, to navigating today’s volatile market with conviction.Mica shares how he started buying student rentals in Kitchener-Waterloo in his early 20s, cash-flowing properties long before the term “house hacking” was popular, and how the 2008 crash pushed him into tech roles at BlackBerry and a company that later IPO’d. We talk about why he ultimately returned to real estate with a mission to raise professionalism, integrity, and collaboration across the industry.We cover:✅ BRRRR strategies before they had a name✅ Student rentals, house hacking, and early cash flow plays✅ Lessons from 2008 that still matter today✅ Why today’s market is a correction, not a crash✅ Where real opportunities exist including condos, cottages, and long term plays✅ How AI is eliminating busy work but not replacing sales✅ The Real Estate Collective and Development Day✅ Why collaboration beats competition in real estate…and much more.If you’re an investor, realtor, or entrepreneur trying to cut through the noise and build something sustainable for the next 10 to 20 years, this episode delivers the hard truth.🎧 Found value in this episode?Like, comment, and share your biggest takeaway.Have a guest or topic idea? Drop it in the comments.3rd Annual Development Day 2026 - https://www.eventbrite.ca/e/3rd-annual-development-day-2026-tickets-1976499295599Follow & Connect with Mica Sadler:YouTube - https://www.youtube.com/@TheRealEstateCollective-e4i/Mica Sadler on Instagram - https://www.instagram.com/mica_sadler/?hl=enMica Sadler on LinkedIn - https://www.linkedin.com/in/mica-sadler-3679b426/Sadler Realty on Facebook - https://www.facebook.com/SadlerrealestategroupThe Real Estate Collective on Instagram - https://www.instagram.com/_therealestatecollective/?hl=enThe Real Estate Collective Website - https://thecollectiverealestate.ca/Website - https://sadlerrealty.ca/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og#HardTruth #CanadianRealEstate

“I had the mayor standing in my unfinished basement because the city was blocking housing they said they wanted.”In this episode of the Hard Truth Podcast, I sit down with Dan Illes, a real estate investor and developer with a background in civil engineering and urban planning, to break down the real challenges behind infill development, zoning, and municipal approvals in Ontario.Dan shares how a three-year battle over parking and basement units led to a public city council presentation and ultimately triggered a city-wide zoning change. We discuss how municipalities say they support density, but quietly block projects through bylaws, delays, and conditions, and how investors can push back using policy, not emotion.We dive into:✅ Infill development and land severance strategies✅ Navigating zoning, parking rules, and municipal resistance✅ Why planning delays quietly destroy investor returns✅ Entitlement-based flips vs. construction-heavy deals✅ Duplex-to-fourplex conversion strategy✅ Corner lot advantages and parking solutions✅ Negotiating conditions of approval to save real money…and much more.If you're an investor in need of a reality check, this episode is a masterclass in winning with policy, not emotion.🎧 Found value in this episode?Like, comment, and share your biggest takeaway.Have a guest or topic idea? Drop it in the comments.Follow & Connect with Dan Illes:Dan Illes on Instagram - https://www.instagram.com/illes_invest/Website - https://waterbillsolutions.com/Dan Illes Facebook - https://www.facebook.com/dan.illesYouTube - https://www.youtube.com/@UCH5vB-IOwIhnQ8LhqPB9NCg Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og #HardTruthPodcast #CanadianRealEstate #CMHC #MLISelect #MultifamilyInvesting #RealEstateInvesting 

“If CMHC wasn’t around, the multifamily construction side would have completely collapsed over the last couple of years.”In this episode of the Hard Truth Podcast, I sit down with mortgage broker and multifamily financing expert Ehren Laycock of BLD Financial to break down the realities behind CMHC financing, MLI Select, commercial lending, and how the last 5 years have completely reshaped Canadian real estate.From rapid growth during the 2020–2022 boom to today’s tougher underwriting, stricter policies, and rising vacancies, Ehren shares the unfiltered truth about what investors must understand before taking on leverage in today’s market.We dive into: ✅ CMHC vs. MLI Select — leverage, premiums & real qualification rules ✅ How 2020–2022 cheap money created today’s financing challenges ✅ Why BRRRRs collapsed and investors got caught when rates spiked ✅ MLI Select risks: rental achievement, timelines & policy changes ✅ The hard truth about “full-time investors” vs. real, scalable real estate businesses …and much more.Ehren also breaks down the behind-the-scenes challenges with CMHC: timelines, underwriter changes, policy resets, rural vs. urban risk profiles, and how financing decisions are really made at the lender — not on Instagram.Whether you’re a new investor, a mid-level builder scaling into 8–30 unit projects, or someone evaluating CMHC/multifamily strategies, this episode gives you the real, unfiltered breakdown of what’s happening in the market today.🎧 Found value in this episode?Like, comment, and share your biggest takeaway.Have a guest or topic idea? Drop it in the comments.Follow & Connect with Ehren Laycock:Ehren Laycock on Instagram - https://www.instagram.com/laycock22/Ehren - 226-980-5048BLD Financial Instagram - https://instagram.com/bldfinancialBLD Financial Facebook - https://www.facebook.com/BLDfinancialYouTube - https://www.youtube.com/@bldfinancialFollow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og #HardTruthPodcast #CanadianRealEstate #CMHC #MLISelect #MultifamilyInvesting #RealEstateInvesting 

“The laws have not protected anyone, not even the good tenants.”In this episode of the Hard Truth Podcast, I sit down with landlord and housing advocate Kayla Andrade of Ontario Landlords Watch to explore the realities of property management, tenant rights, and navigating Ontario’s complex housing policies.From managing multi-unit properties to advocating for landlords, Kayla shares her journey of balancing cash flow, tenant accountability, and government regulations.We dive into:✅ How tenant protection laws have evolved and the impact on landlords✅ The challenges landlords face with rent controls, eviction delays, and municipal bylaws✅ How to hold tenants accountable while still providing safe, livable units✅ Navigating politics and advocating for landlord rights at multiple levels of government✅ The hard truths of being a landlord: thick skin, education, and the need to harden your heart✅ Practical tips for new and seasoned investors to protect themselves and their investmentsKayla also shares her experience engaging with politicians, municipal staff, and industry groups to drive change and support both landlords and tenants.Whether you are a new investor, a seasoned landlord, or someone interested in Ontario’s housing policies, this conversation gives you the unfiltered truth about property management, advocacy, and surviving as a landlord in a challenging market.🎧 Found value in this episode?Like, comment, and let us know your biggest takeaway.Have a guest or topic you’d like featured? Drop it in the comments below.Follow & Connect with Kayla:Instagram - https://www.instagram.com/kaylaandradeolw/?hl=enLinkedIn - linkedin.com/in/kayla-andrade-b4855648Facebook - https://www.facebook.com/Kayla.Andrade.olw/Follow & Connect with Ontario Landlords Watch:YouTube - https://www.youtube.com/@ontariolandlordswatchOntario Landlords Watch Instagram - https://www.instagram.com/ontlandlordswatch/Ontario Landlords Watch Facebook-  https://www.facebook.com/OntarioLandlordsWatch/Ontario Landlords Watch Website - https://ontariolandlordswatch.com/Find more info about FrontLobby: Rent Reporting Services for Landlords Canadahttps://www.instagram.com/frontlobbyinc/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og#realestate #realestateinvesting #hardtruth #hardtruthpodcast

If your goal is to make $10,000/month of cashflow off your rental properties, Kory MacKinnon has a Hard Truth you need to hear! In this episode of the Hard Truth Podcast, Kyle Ford sits down with real estate investor and coach Kory MacKinnon, who shares how growing up in a duplex gave him an early start in real estate and how he went from buying his first off-market six-plex in London, Ontario to building a scalable, diversified portfolio.Before going full-time into real estate, Kory spent 17 years as VP of Operations at Student Works Painting, where he mastered the systems, hiring, and leadership skills that would later shape his investing strategy. Today, he helps investors treat real estate like a true business with professional standards, strong operations, and fast execution.We cover:✅ How Kory bought his first six-plex off-market from his landlord✅ Why treating rentals like a business separates top investors from average landlords✅ The real impact of today’s tighter rules, higher prices, and thinner margins✅ Why “making money on the buy” still matters most✅ How new investors can adapt with bigger down payments and creative entry strategies✅ The hard truth about living off rental income and why hybrid income streams are key✅ Why Kory has shifted from small BRRRRs to purpose-built developments, commercial properties, and storage✅ How to prune your portfolio and redeploy capital into stronger assets✅ How Kory is teaching his kids entrepreneurship and financial literacy through real-world lessonsWhether you’re just starting out or scaling your portfolio, this episode reveals what it really takes to build lasting wealth and why the most successful investors think like business owners, not landlords.🎧 Found value in this episode?Like, comment, and let us know your biggest takeaway.Have a guest or topic you’d like featured? Drop it in the comments below.Follow & Connect with Kory:Instagram - https://www.instagram.com/korymackinnon/LinkedIn - https://www.linkedin.com/in/kory-mackinnon-19095b4/YouTube - https://www.youtube.com/c/KoryMacKinnon Website - https://korymackinnon.com/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og#realestate #realestateinvesting #hardtruth #hardtruthpodcast

In this episode of the Hard Truth Podcast, I sit down with realtor and investor Abe Thiessen to reveal the unconventional strategies making flips profitable in Ontario.From from growing up in Mexico to buying his first property at 19 off Kijiji, Abe shares how he scaled into duplex builds, double-lot severances, and deep-discount flips that most investors overlook.We dive into:✅ How Abe bought his very first rental property at 19 on Kijiji✅ Why he avoids long-term rentals in favor of fast, high-velocity deals✅ The “double-lot severance strategy” that unlocks hidden equity on day one✅ How wholesalers helped him land deals 20–50% below market value✅ The real tension between realtors and wholesalers (and how he navigates it)✅ The hard truths of breaking in as a beginner vs. scaling past five dealsAbe also shares how one networking event stopped him from quitting real estate altogether and set him on a path to building a thriving team that now serves both investors and first-time buyers.Whether you are just starting out or already scaling a portfolio, this conversation gives you the unfiltered truth about wholesaling, flipping, and building wealth in real estate the unconventional way.🎧 Found value in this episode?Like, comment, and let us know your biggest takeaway.Have a guest or topic you’d like featured? Drop it in the comments below.Follow & Connect with Abe:Instagram - https://www.instagram.com/real_abethiessen/Website - https://www.royallepage.ca/en/agent/ontario/listowel/abram-thiessen/69980/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og#realestate #realestateinvesting #hardtruth #hardtruthpodcast

"Politicians say things like, 'We want to build communities.' These are the guys actually building communities..."In this episode of the Hard Truth Podcast, I sit down with Kartik Singla and Jimmy La from the Sustainable Development Group, who are real estate developers and entrepreneurs building a village of over 100 units in Barrie, Ontario.They share their journey from buying a single-family home to creating multi-unit communities, including how they navigate city approvals, scale efficiently, and turn every property into an opportunity for growth. From early wins to building Clapperton Village, this episode reveals the real process behind successful development.We cover:✅ How a single downtown lot turned into their first 10-unit building✅ The buy-box model they use to convert homes into multi-unit communities✅ Why working with the city is the key to scaling faster✅ The growing pains of partnerships, capital raising, and sleepless nights✅ How they are turning 9 projects into Clapperton Village, a full neighborhood with gyms, coworking, and more✅ And why Canada’s housing crisis needs bold solutions like the Missing MiddleWhether you are starting with a duplex or dreaming of large-scale development, this conversation gives you the unfiltered truth about what it really takes to build neighborhoods and wealth from the ground up.🎧Found value in this episode?Like, comment, and let us know your biggest takeaway.Have a guest or topic you’d like featured? Drop it in the comments below.Don't miss the Missing Middle Conference in Toronto on September 12th: https://www.themmc.ca/Follow & Connect with SDG:Instagram - https://www.instagram.com/sdg.canada/LinkedIn - https://www.linkedin.com/company/sdg-canada/Website - https://sdgcanada.com/Follow & Connect with Jimmy La: Instagram - https://www.instagram.com/jimmylainvestor/LinkedIn -  https://www.linkedin.com/in/jimmy-la-7188b3a9/Follow & Connect with Kartik Singla: Instagram - https://www.instagram.com/healthykarts_/LinkedIn - https://www.linkedin.com/in/karter-singla/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og#realestate #realestateinvesting #hardtruth #hardtruthpodcast

Bouncer to Brokerage CEO: The Hard Truths Behind Real Estate SuccessIn this episode of the Hard Truth Podcast, I sit down with Justin Konikow realtor, entrepreneur, and co-founder of Prime Real Estate Brokerage.We cover:✅ Why most agents and investors stay stuck✅ The “success trap” no one talks about✅ How Justin earned mentorship from giants like Ryan Serhant & Scott McGillivray✅ Why real wealth comes from relationships, not transactions✅ The mindset shift that made Prime a dominant force in Southwestern Ontario✅ And how to audit your life to break through your current ceilingWhether you're just starting out or stuck at 5 properties, this conversation will hit you with the unfiltered truth about what it takes to build a real business in real estate.🎧Found value in this episode?Like, comment, and let us know your biggest takeaway.Have a guest or topic you’d like featured? Drop it in the comments below.Follow & Connect with Justin: Instagram - https://www.instagram.com/justin.konikow/?hl=enLinkedIn - https://www.linkedin.com/in/justinkonikow/Facebook - https://www.facebook.com/jkoni/YouTube - https://www.youtube.com/c/justinkonikowWebsite - https://www.justinkonikow.com/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og#realestate #realestateinvesting #hardtruth #hardtruthpodcast

"Everyone forgets this: you’re in it to make money..."In this episode of the Hard Truth Podcast, I sit down with Jeff Wybo, real estate investor, social media personality, and partner at Foundation Capital, to unpack what it really means to build wealth in real estate—not just broker it for someone else. Jeff shares his journey from realtor to investor, and why he's making the conscious decision to “skip right to the rich part” by taking control of the deals himself.We dive into the power of social media, the mindset shift every realtor needs to hear, and how Foundation Capital is helping everyday investors grow their wealth without the headaches of being a landlord. From investing in REITs to finding the right markets and building systems that scale, Jeff drops hard truths and practical strategies for anyone serious about growing real estate wealth—without reinventing the wheel.Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below. Follow & Connect with Jeff: Instagram - https://www.instagram.com/jeffwybo/?hl=enLinkedIn - https://www.linkedin.com/in/jeffwybo/Facebook - https://www.facebook.com/jeffwyborealestate/YouTube - https://www.youtube.com/c/JeffWyboFollow Foundation Capital:Instagram - https://www.instagram.com/foundation.capital/Website - https://foundationcapital.ca/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

"Right now we are at $350,000 owed in rent..."In this episode of the Hard Truth Podcast, I sit down with James Fernandez, real estate investor and entrepreneur, to uncover the Hard Truths behind building and scaling a successful real estate business.We dive into his journey—how he scaled from 0 to 40 units in just one year, bought a 33-unit apartment building and navigated the pivot to investing in self-storage. James opens up about how he is currently owed over $350,000 in lost rent, the moral dilemma of tenant evictions, and the infamous machete story that changed how he operates. From building solid systems and processes to investing in self-storage, this episode gives you an unfiltered look at the strategies, challenges, and resilience required to successfully grow and sustain a real estate business.Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below. Follow & Connect with James: Instagram - https://www.instagram.com/james.fernz/Facebook - https://www.facebook.com/fernandezinvestments/YouTube - https://www.youtube.com/channel/UCQ2m93M5Haqkr8-T8ZTljWQFollow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

"I don’t care what your guru told you, not everybody can do this."In this episode of the Hard Truth Podcast, I sit down with Zack Brittain, real estate investor and owner of Phipps Brittain Real Estate and King Street Construction, to explore the Hard Truths of building a sustainable real estate business.We dive into his journey, from investing without using OPM to launching King Street Construction and developing a sustainable real estate model. Zack shares what it really takes to stay focused, scale, and integrate different parts of your business in a way that lasts. We also get into the gritty side of real estate—the sh*tty work most people don’t talk about—and why this business isn’t for everyone. From creating strong buying strategies to fighting for your bottom line, Zack breaks down what it means to be an operator, how good deals are made, and what’s next for him and his companies.Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below.Follow & Connect with Zack:Instagram - https://www.instagram.com/zacharyjohnbrittain/Follow & Connect with PhippsBrittain Real Estate: Instagram - https://www.instagram.com/phippsbrittainrealestate/ Facebook - https://www.facebook.com/phippsbrittainrealestate Website -  https://phippsbrittainrealestate.com/ YouTube - https://www.youtube.com/channel/UCWsS6pz6hoibP_txWm6wdfwFollow & Connect with King Street Construction:Instagram - https://www.instagram.com/kingstreetconstruction/Facebook - https://www.facebook.com/people/King-Street-Construction/61554365396641/Website - https://kingstreetconstruction.com/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

"The days of 10 duplexes are over. If you're risk adverse you're not making money in this market."In this episode of the Hard Truth Podcast, I sit down with Josh Findlay, a professional mortgage broker, real estate investor, co-owner of  @bldfinancial and CMHC specialist, to explore the hard truths of the MLI Select program and why it's essential for investors to have capital in order to succeed in the real estate game.We dive into his journey—from meeting Matt McKeever and shooting videos for the Canadian Real Estate Channel to becoming a trusted advisor for mid-sized investors across the country. Josh shares the challenges facing the mortgage industry today, including the affordability crisis, the red tape surrounding CMHC programs, and the importance of understanding the nuances of the MLI Select vs. CMHC Standard programs. We also discuss the current state of the real estate market and why "the money is in the money."Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below. Follow & Connect with Josh Findlay:Josh Findlay on Instagram - https://www.instagram.com/jfins/Josh - 519-729-9212BLD Financial Instagram - https://instagram.com/bldfinancialBLD Financial Facebook - https://www.facebook.com/BLDfinancialFollow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

If you want to become a Full-Time Real Estate Investor in 2025 you need to listen to this!In this episode of the Hard Truth Podcast, I sit down with Mit Perin, real estate investor, CPA, and partner at Foundation Capital, to explore the Hard Truths of transitioning from accounting to full-time real estate investing.We dive into his journey, from his first joint ventures to to becoming an active partner in Foundation Capital, a private real estate trust focused on acquiring 3-story walk-ups. Mit discusses the challenges of real estate accounting, and how many accountants who aren’t active investors lack the insights needed to support real estate professionals effectively. We also talk the importance of maintaining a strong relationship with your accountant to navigate the complexities of private real estate trusts, long-term investing success, and why investing in a REIT may be the best option for new investors.Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below. Follow & Connect with Mit Perin:LinkedIn - https://www.linkedin.com/in/mithulan-perinpanayagam-cpa-ca-b987711bInstagram - https://www.instagram.com/mitperin/Website - https://foundationcapital.ca/Follow Foundation Capital on Instagram - https://www.instagram.com/foundation.capital/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

Is it too late to become a real estate investor in Canada?In the sixth episode of the podcast, I sit down with Andrew Hines, real estate investor, entrepreneur, and fellow podcaster, to talk about the 'Hard Truths' of scaling as an investor, US real estate investing, and strategies for success in hospitality.We dive into his journey, from analyzing risk and stepping outside his comfort zone to making strategic investment decisions. Andrew shares insights into his wholetailing model, active income strategies, and the challenges of investing in hospitality while navigating complex bylaws.Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below. Grotto Getaway: https://www.andrew-hines.com/grotto-getaway/ Invest in Grotto Getaway: https://invest.atlasone.ca/offers/MZJAB/about?referralCode=LCRZY8Follow & Connect with Andrew Hines:LinkedIn - https://www.linkedin.com/in/theandrewhines/Instagram - https://www.instagram.com/theandrewhines/YouTube - https://www.youtube.com/@UCYGIvt3fC0OK378EIEHccpA Website - https://www.andrew-hines.com/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

Welcome to the Hard Truth Podcast!In the fifth episode of the podcast, I sit down with Nicholas Brown, Mortgage Broker and Real Estate Investor, to talk about the 'Hard Truths' of investing and financing commercial real estate.We dive into his real estate investing journey from his first project, to becoming a one of the youngest top performing commercial mortgage brokers in the country & the lessons he learned partnering on his first commercial real estate project in Chatham, Ontario. As expert on CMHC-financing, Nick also cover the risks of overleveraging, the upsides and downsides CMHC-backed loans and specifically whether the MLI Select Program is a buzzword or still a viable option for investors!Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below. Follow & Connect with Nicholas Brown:LinkedIn - https://www.linkedin.com/in/nicholas-brown-30bb6965/Instagram - https://www.instagram.com/themortgagearchitect/Facebook - https://www.facebook.com/nicholasbrown1123/Website - https://nicholasbrown.ca/mortgages/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

Is it possible to run a business with family members successfully?In the fourth episode of the podcast, I sit down with Judi Paré, President and CEO of Plentitude, who went from facing hidden homelessness to leading a rapidly growing family run real estate investment firm to uncover the 'Hard Truths' when it comes to building a successful business with family members.Did you enjoy & get value from this podcast episode? Have a guest you would like to see featured or a topic you want covered? Share your thoughts with us in the comment section below. Follow & Connect with Judi Paré:LinkedIn - https://www.linkedin.com/in/judipare/?originalSubdomain=caInstagram - https://www.instagram.com/plentitudeincFacebook - https://www.facebook.com/plentitudeinc/Website - https://www.plentitudeinc.com/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og #realestate #riskmanagement  #realestateinvesting #hardtruth #hardtruthpodcast

Welcome to the Hard Truth Podcast!In third episode of the podcast, I sit down with David Giustizia, Mortgage Broker, Real Estate Investor, and a wealth of knowledge, to uncover the 'Hard Truths' when it comes to real estate investing.After diving into David's background as an investor and broker, we dive into what he see's as an often overlooked but crucial topic: risk management.While everyone loves to focus on raising capital, few are willing to address the importance of protecting the downside. We’re here to talk about why risk management, often seen as the least exciting aspect of investing, is actually the most critical.David also shares insights on building the infrastructure needed to support a growing portfolio and how to navigate the realities of using CMHC-backed deals.Follow & Connect with David Giustizia:LinkedIn - https://www.linkedin.com/in/david-giustizia-vision-mortgage-group/Instagram - https://www.instagram.com/davegiustizia/Website - https://www.visionmortgagegroup.ca/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

In the second episode of the Hard Truth Podcast, I sit down with Terri Lynn Legault, Mortgage Agent, Real Estate Investor & my sister to talk about the Hard Truth behind trying to achieve truly passive income through real estate investing.From leaving her job as a correctional officer and cashing out her pension (the right way), Terri shares her journey and success in real estate investing utilizing an earned income strategy that allows her to live a beach sized lifestyle in Canada!Follow & Connect with Terri Lynn:LinkedIn - https://www.linkedin.com/in/terri-lynn-legault-57701016Instagram - https://www.instagram.com/mortgagesby.terrilynn/Facebook - https://www.facebook.com/terri.l.ford/Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og

Is US Real Estate Investing the right move for Canadians? In the first episode of the Hard Truth Podcast, I sit down with Steve Aho, Mortgage Agent at Mortgage Alliance & Co-Trustee at CapGap Mortgages, to talk about the Hard Truth behind trying to achieve truly passive income through real estate investing. From starting with a turn-key single family home rental property that was 'more work than he ever expected', to losing thousands by investing in US real estate, Steve shares how he found the most passive strategy for him was mortgage lending.Want to invest in real estate passively?Learn more about CapGap Mortgage Trust here - https://capgapmft.com/Follow & Connect with Steve Aho:LinkedIn - www.linkedin.com/in/steveaho/Instagram - https://www.instagram.com/steveaho77/Facebook - https://www.facebook.com/steve.aho.5Follow & Connect with me on Social Media:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576YouTube - https://www.youtube.com/channel/UCPlhb05ieTA8yAugwmTT4Og