Canadian Private Lenders’ Podcast

What are construction loans, and why are they a game-changer for private lenders, builders, and real estate investors? In this episode, Neal and Ryan take a deep dive into the world of construction loans with a focus on the private lending space. They break down what construction loans are, why banks often avoid them, and how private lenders can fill that gap with speed, flexibility, and a more practical approach.They discuss the challenges builders face in financing, the pros and cons of private loans versus traditional bank loans, and the ideal borrower profile. Whether you're a first-time developer, a seasoned contractor, or an investor exploring new opportunities, this episode is packed with real-world advice, personal experiences, and insights on how construction loans can unlock new possibilities in real estate. Listen and enjoy the show!Show Notes:02:34 – Neal and Ryan catch up and share their thoughts on the economic outlook03:11 – Introduction to construction loans: what they are and how they work04:27 – Differences between private and traditional construction loans06:35 – Why banks often avoid construction lending08:58 – What it takes to qualify for a private construction loan11:17 – Common borrower profiles in private construction lending12:59 - Why does private lending work so well for construction?17:35 - How the private draw process works: from weather-tight to completion20:34 – Construction loan calculator available to brokers and buildersResources:If you are a broker and want a copy of the construction calculator, visit us at https://www.keycap.ca/Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

What happens when two seasoned real estate professionals take a break from interviews to talk about their journeys? In this special episode, Neal and Ryan dive deep into their backgrounds, from their early career pivots to building businesses in private lending, real estate sales, and investing.They also break down the MoneySense 2025 housing report, sharing key takeaways on real estate affordability across Canada, Atlantic Canada's surprising strength, and what investors should be cautious about in today's market.Whether you're new to the show or a longtime listener, this is a great episode to get to know your hosts and walk away with real estate investment wisdom from hard-earned experience.Show Notes: 01:08 – Neal reflects on turning 30 and shifting gears professionally02:48 – Recap of recent guests and upcoming meetups03:34 – Why Neal and Ryan decided to share their journeys04:05 – Discussion of the MoneySense housing affordability report08:09 – Insights on Halifax, Moncton, Calgary, Ottawa, and more10:36 – The risk of sharp growth and potential corrections in Atlantic markets11:24 – Neal's entrepreneurial background and first big real estate win15:45 – The leap from investing to private lending17:02 - Starting Keystone Capital and launching Keystone MEC24:36 - The fact-based selling27:34 – Ryan shares a tough lesson from a fire loss on a St. John build34:51 - Reasons Neal and Ryan love the private lending spaceResources:Find Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

Are you ready to deepen your understanding of Canadian real estate investing and private lending? In this episode of The Canadian Private Lenders Podcast, Neal and Ryan sit down with Daniel Foch and Nick Hill, the dynamic duo behind the top-rated Canadian Real Estate Investor Podcast. They share their extensive experience as realtors, mortgage brokers, and entrepreneurs, revealing how they built their influential podcast empire and scaled their portfolios using private lending. Learn how they managed market volatility, leveraged alternative financing, and developed practical strategies for real estate success. Whether you're a beginner or seasoned investor, discover key insights into private lending, risk management, and evolving market conditions. Plus, gain valuable perspectives on the importance of real estate education and the impact of policy changes. This episode is a must-listen for anyone interested in real estate investment and private lending in Canada.Show Notes:02:35 - Dan and Nick's podcast origin story and chemistry spark05:07 - Nick recalls the obscure start of Brick & Mortar podcast07:05 - Why Dan ditched Facebook ads for content and cold calling12:28 - Real estate podcasting as the new “real estate school”17:47 - Why they fought—and then embraced—creating a real estate course20:20 - Building trust through transparency, real value, and no ego21:25 - Toronto's real estate market conditions explained in depth23:43 - Why condo oversupply could stall Toronto's housing growth25:33 - MLI Select, multiplex zoning, and population consolidation trends30:22 - GDP per capita recovery explained vs national growth33:11 - Dan and Nick's personal investment history using private capital35:38 - Lessons from the private lending world and high LTV caution39:52 - Coaching and productization in real estate without losing integrity46:46 - The future of Canadian real estate education and trusted mentorshipFind Daniel and Nick on:Podcast: Canadian Real Estate Investor PodcastDaniel Instagram: @danielfochNick Instagram: @mybuddynickFind Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

Are you curious about the legal side of private lending and fund formation in Canada? In Episode 82 of the Canadian Private Lenders Podcast, hosts Neal Andreino and Ryan MacNeil interview Jonathan Lee, founder and principal lawyer at A.G. Truett Law Professional Corporation. Jonathan brings over a decade of experience working with major Bay Street firms and specializes in asset management law, securities regulation, and fund formation for mortgage investment corporations, mutual fund trusts, ETFs, and hedge funds. This episode discusses key legal structures for real estate investment funds, securities law exemptions, recent market trends, and the rise of entrepreneurial ventures in capital raising. Jonathan also shares his personal journey leaving big law to build his boutique firm and his unexpected crossover into children's books focused on entrepreneurship. Whether you're a private lender, fund manager, or investor, this episode offers expert legal insights you won't want to miss.Show notes: 02:46 - Jonathan's education background in law and business04:09 - Why Jonathan chose asset management legal specialization07:58 - Building client base through networking meetings12:16 - Urgency in entrepreneurship and making swift decisions20:04 - Key fund formation structures explained simply23:02 - Differences between limited partnerships and mutual fund trusts25:08 - Mortgage investment corporations and regulatory conditions overview27:12 - Securities laws' prospectus requirements and exemptions30:16 - Accredited investor exemption and raising private capital33:05 - Post-COVID growth trends in private asset markets34:34 - US Sun Belt real estate investment interest35:41 - Cautious optimism on Canadian real estate market36:56 - Importance of financial literacy for children40:44 - Future plans including restaurant investment in Toronto42:41 - Bonus insights on rebuilding Toronto Raptors basketball teamFind Jonathan on:Website: https://agtruett.com/Find Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

Are you leveraging relationships to scale your mortgage business? In this episode of The Canadian Private Lenders Podcast, we sit down with Cyrus Habibi—a top-producing mortgage broker with Premier Mortgage, consistently ranked #1 in volume in Atlantic Canada for five straight years. From humble beginnings in life insurance to dominating $350M+ in mortgage volume with the Premier Private Client Group, Cyrus shares how building relationships, not budgets, fuels growth. This episode is your roadmap to reputation-driven success.Show notes: 01:43 - How Cyrus transitioned from insurance into real estate finance02:45 - Got his start thanks to Don McFicker's mentorship04:43 - Why mortgage brokering is more service-based than sales06:01 - Met his future business partners through a shared love for cars10:22 - Mentorship saved him from early mistakes in brokering15:14 - Premier team closed over $350M in mortgage volume last year17:42 - Atlantic Canada market is stronger and more resilient than expected20:28 - Referral-based growth beats cold leads and ads every time21:45 - Their team acts as a “walking brand”—authenticity matters23:14 - What Cyrus loves most about this business and lifestyle25:52 - What's next? Cyrus shares how the team plans to grow further27:04 - Bonus question: Cyrus's favorite pizza spot and dream carResources:Keystone Capital GroupCPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Cyrus on:Instagram: @cyrushabibiFind Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

Do you want to scale your lending business without the risk of losing millions of dollars? This episode is for you! In it, Neal and Ryan discuss the strategic ways private lenders can grow their business sustainably and profitably without taking on undue risk. They also discuss growing a business through geographic expansion and diversification. Listen and enjoy the show!Show notes:02:51 - Ryan shared John Love's speech at the RHP Nova Scotia Awards Gala05:00 - The need for some industrialization05:51 - Slowing down the expedited growth07:44 - Starting a business from scratch10:22 - Growing business by geographic expansion13:28 - Diversification of portfolio21:19 - Building a book of repeat borrowers22:54 - Always track your KPIs, margins, default rates, and repeat borrower ratioResources:Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

What will be the impacts of the election results for private lenders, builders, and real estate investors? In this episode, Neal and Ryan do an election special by doing a recap on the election results and giving a highlight on the Liberal Party and Conservative Party's platforms in the housing sector. They talked about the Liberal's plan of making the government act as a developer to build affordable housing and cutting the GST for first-time homebuyers on homes up to $1 million. In addition, Neal and Ryan shared their insights on the impacts of these plans on lenders, builders, and investors. Listen and enjoy the show!Show notes:01:33 - Neal and Ryan share their insights about the election03:19 - Failure of marketing on the Conservative Party04:50 - Develop a better and stronger party after a failure05:34 - Recap of the election results07:40 - The Carney Effect and the Liberal Party11:30 - Liberal Party's housing platform for Canada12:30 - Concerns about the government acting as a developer on public lands14:30 - Bringing back the MURB program16:51 - Neal's insight about the impacts of proposed housing programs on private lenders, investors, and builders22:10 - Overview for the next 12 months or moreResources:Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

What if you could accelerate your construction project without the red tape of traditional banks? In this episode Neal and Ryan reveal why private lending is often the smarter, faster option for construction financing. They break down the complex world of construction financing, explaining how private lenders offer quicker, more flexible funding options compared to traditional banks. They also discuss the benefits of fast approval times and how these advantages can streamline your project.Show notes:01:08 - Neal shares his experience with a new peptide treatment.02:45 - Stock market volatility and its impact on construction loans.05:32 - Challenges of traditional construction loans and long documentation processes.08:09 - The requirement for high liquidity and assets when applying for traditional loans.09:28 - Why private lending is gaining popularity in construction projects.10:48 - Understanding loan-to-value and loan-to-cost ratios for construction loans.11:55 - Key differences between private lending and traditional banking processes.13:09 - The impact of slow bank approval processes on construction timelines.15:28 - How Keystone simplifies construction loans with flexible draw schedules.16:28 - Fast approval times and the advantages of private lending for builders.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

What would happen if I can't pay out this loan at maturity? Why is the maturity process crucial for a borrower, broker, or investor? These are the questions that will be answered in this episode of the Canadian Private Lenders Podcast.Ryan, a seasoned expert at Keystone Mortgage Investment Corp., will walk you through the ideas of renewal, repayments, and potential default consequences in tougher situations on your mortgage. He will also discuss the importance of reviewing your mortgage terms well before maturity and working with your broker to explore renewal or refinance options early. You must have good communication with your lenders to avoid last-minute complications, as well as consider all your exit strategies when entering a private mortgage to prevent issues at maturity. Listen and enjoy the show!Show notes:00:52 - Ryan introduces the episode about the maturity process01:56 - What is mortgage maturity?02:10 - Difference between mortgage lending and private lending03:56 - When the lender negotiates new terms with the borrower08:47 - Be a bit more flexible in terms of the payout09:47 - Importance of starting the refinance process early13:54 - Always review your mortgage terms well before maturityResources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

Are you confident that you understand the essential mortgage terms in private lending? In this episode Ryan MacNeil and Neal Andreino break down the most important mortgage definitions you need to know to succeed in the private lending and real estate investment world. They tackle crucial concepts such as amortization, appraisals, bridge loans, loan-to-value ratios, and more, providing clarity on how these terms impact real estate transactions in Canada.Ryan and Neal, both seasoned experts at Keystone Mortgage Investment Corp., walk you through the complex world of private lending, offering valuable insights for brokers, lenders, and investors. Whether you're just starting or already have experience in the industry, this episode will help you solidify your understanding of key mortgage terminology.With the private lending market constantly evolving, understanding these terms is essential for making sound lending decisions and navigating the real estate investment landscape. Tune in and learn how these definitions directly affect the industry and your investment strategy.Show notes:01:12 - Ryan and Neal introduce the episode and discuss mortgage definitions03:10 - Why appraisals are critical in private lending.05:30 - Neal talks about bridge loans for property transitions in real estate.07:45 - Explanation of collateral charges and their role in lending agreements.10:00 - Discussion on construction draws and how private lenders facilitate projects.12:20 - Debt service ratios and their importance in lending.15:00 - How equity plays a pivotal role in private lending.17:40 - Discussion on fix-and-flip loans and their benefits for investors.19:30 - The key distinctions between open and closed mortgage terms.22:00 - Discussion on LTV ratios and their importance for private lenders.24:30 - Neal discusses refinancing and the role of private lenders in it.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

What makes a successful private lending company thrive for over 50 years? In this episode Ryan and Neil are joined by Jesse Bobrowski, the Vice President of Calvert Home Mortgage Investment Corporation. With over four decades in the industry, Calvert has built a reputation for providing short-term lending solutions for real estate investors in Alberta and Ontario.Jesse delves into the company's history, explaining how it transitioned from a mortgage brokerage to a mortgage investment corporation. He offers valuable insights into Calvert's strategic approach to lending, focusing on residential urban markets and catering to real estate investors looking to buy, renovate, and sell or refinance properties. The conversation also covers Calvert's unique corporate structure, their commitment to shareholder transparency, and how they've navigated market challenges while maintaining consistent growth.This episode provides listeners with a detailed understanding of the private lending sector, how Calvert operates, and the key factors contributing to its success in the ever-evolving real estate market.Show notes: 02:08 - Jesse introduces Calvert's 50-year history and transition from brokerage to lender.04:01 - Jesse explains their focus on short-term lending and residential properties.06:30 - The advantages of sticking to residential markets for lending.08:44 - How Calvert manages growth and stability in Alberta and Ontario.13:01 - The impact of Ontario's affordability challenges on lending strategies.16:23 - The unique structure of Calvert's mortgage investment corporation.19:49 - Why transparency with shareholders is crucial to Calvert's success.25:39 - Jesse discusses how they manage capital and optimize investments.31:45 - Understanding Calvert's strategic lending approach in Ontario's urban markets.34:55 - The importance of aligning with industry best practices through CAMLA.38:37 - Alberta's population growth and the potential for business-friendly opportunities.43:34 - Jesse's thoughts on the best pizza spot in Calgary.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Jesse on: Linked - https://www.linkedin.com/in/jesse-bobrowski/?originalSubdomain=caFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

What does it take to succeed in Ontario's competitive private lending market? In this episode of The Canadian Private Lenders Podcast Ryan and Neil are joined by James Grantis, Co-Founder and Director of Investments at Hosper Mortgage. James shares his journey from banking to private lending, offering insights into building a strong business. He discusses the value of broker relationships, effective branding, and focusing on smaller residential loans for long-term growth. James also highlights how technology and automation can streamline operations, manage risk, and drive efficiency. Tune in to learn key strategies for scaling a private lending business and staying resilient in the ever-changing mortgage industry.Show notes: 02:10 – James's transition from TD Bank to private lending career.04:10 – How James's early exposure to real estate shaped his career.06:00 – The value of relationships in private lending and trust.08:20 – The decision to go all-in on private lending full-time.10:10 – Initial challenges and growing pains faced when starting Hosper Mortgage.12:30 – Importance of not betting the business to protect stability.14:50 – How branding evolved and the importance of rebranding Hosper.16:00 – Overcoming legal challenges, including trademark issues with the company's name.18:10 – How starting as a syndicate helped prove the concept.21:00 – Using a Mortgage Investment Corporation (MIC) for long-term growth.23:30 – Focus on residential single-family homes as core lending strategy.26:00 – Why loans under $1.5M are central to their business.30:00 – Balancing larger loans with smaller, high-volume residential deals.35:00 – Managing risk through diversified but smaller loan sizes.40:30 – The value of working with brokers to source consistent deals.45:00 – Technology and automation transforming how private lenders operate.52:50 – Why mortgages are still an exciting industry despite being a “commodity”Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind James on:Linked - https://www.linkedin.com/in/james-grantis/Website - https://hospermortgage.com/Find Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca

Are you looking for ways to streamline your mortgage lending business? In Episode 73 of The Canadian Private Lenders Podcast, Ryan and Neil explain how AI, specifically ChatGPT, is changing the industry. They share how lenders and mortgage brokers can automate tasks, improve customer service, and build better marketing strategies. This episode explores real-world applications of AI and how it can boost efficiency. Learn how AI-powered tools can help scale your business and what limitations to consider. Whether you're an experienced lender or just starting out, this episode is packed with insights to help you stay ahead in the competitive mortgage space.Shownotes:01:01 – Recovering from illness, discusses post-COVID fatigue.03:06 – AI transforming mortgage lending, improving efficiency for brokers and lenders.04:50 – ChatGPT helps create structured blog posts and marketing content.07:24 – AI-generated content lacks personal tone, requires human refinement.10:46 – AI for customer service can improve engagement but needs balance.12:30 – AI assists in underwriting by reviewing borrower documents efficiently.14:51 – AI helps overcome creative blocks and find trending content.16:22 – Social media automation tools streamline mortgage marketing strategies.18:05 – AI-generated job postings improve hiring efficiency and candidate targeting.18:44 – AI adoption in lending is like Google's early transformative impact.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

Are you leveraging the right private lending structure for your investments? In this episode, Ryan McNeill and Neil Andreino discuss the different private lending structures that are common in Canada. They explain syndicate loans, direct private loans, Mortgage Investment Corporations (MICs), and Mutual Fund Trusts (MFTs). Each lending structure is covered in detail, outlining how it works, its benefits, and the potential risks involved.This episode offers valuable insights for investors, mortgage brokers, and borrowers. Ryan and Neil highlight the flexibility and risks of each structure, from pooled investments in MICs to direct loans where investors have control over the terms. They emphasize the importance of understanding risk tolerance and doing proper due diligence before getting involved in private lending. If you are looking to learn more about private lending in Canada, this episode provides the essential information you need to make informed decisions.Show notes:01:14 - Ryan and Neil discuss post-break news updates.03:28 - Ryan compares the current economy to the Great Depression.06:12 - Tariff impact on Canadian cities discussed.09:04 - St. John, New Brunswick's tariff exposure highlighted.10:40 - Impact of tariffs on real estate and manufacturing.13:05 - Syndicate loans explained as pooled investor funds.14:35 - Direct private loans provide more control and risk.18:00 - Mortgage Investment Corporations (MFTs) structure and benefits.19:40 - MFTs offer tax efficiency, flexibility in investments.23:30 - MFTs' regulatory environment versus other structures discussed.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

In this insightful episode of The Canadian Private Lenders Podcast, hosts Ryan McNeill and Neil Andreino explore the evolving landscape of private lending with special guests Carlos Nodarse, CEO of Applied Business Software, and Nathan Goodhart, PPS Sales at The Mortgage Office.Learn how The Mortgage Office has become a leading force in private lending technology, helping lenders streamline loan origination, fund management, investor remittances, and compliance automation. They will share their expertise on the differences between the Canadian and U.S. private lending markets, the rise of sophisticated capital entering the space, and how technology is revolutionizing alternative lending.We explore key industry shifts, including the growing role of mortgage investment corporations (MICs), compliance challenges, and how lenders can scale their businesses efficiently. Carlos and Nathan also provide an inside look at the journey of Applied Business Software from its humble beginnings to becoming a global leader in private lending solutions. If you're a lender, investor, or finance professional looking to stay ahead in the private lending industry, this episode is packed with invaluable insights. Show notes: 1:10 - Guest Introduction4:48 - The history and growth of Applied Business Software. 10:18- The rise of The Mortgage Office and its impact on lending. 14:01- Differences between private lending in the U.S. and Canada.18:52 - Why asset-based lending is dominating the private sector. 25:10 -Syndicating loans with multiple investors and its complexities. 30:09 - Why private lending is growing at a record pace in the U.S. 34:40 - How lenders transition from self-funding to institutional capital. 40:53 - Marketing strategies for The Mortgage Office in Canada vs. U.S. 48:58 - What Carlos and Nathan love most about private lending. Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Carlos and Nathan on:Carlos - LinkedInNathan - LinkedInFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

this episode Ryan and Neil are joined by Derek Serra, the president of Westboro Mortgage Investment Corporation. With over two decades of experience in the mortgage industry, Derek offers invaluable insights into how private lending has evolved and how Westbro has become a leader in the space, funding over a billion dollars since its expansion.Derek shares the key moments that led him to leave RBC and become a driving force behind Westbro's success, including how the company's strong foundation and customer-focused approach have shaped its rapid growth. Whether you're a mortgage broker, investor, or professional in the lending industry, this episode is packed with practical advice to help you navigate the world of private lending, make better business decisions, and create lasting partnerships with your clients.Don't miss out on Derek's expert advice about building a strong brand, the importance of transparency in private lending, and the factors behind Westbro's billion-dollar success. Tune in for tips on scaling your business and mastering the art of private lending in Ontario.Show notes:1:00 - Derek Serra introduces his career starting at RBC and his path.6:10 - Transition from RBC to XMC, and lessons from Ottawa.9:00 - The challenges of scaling a mortgage investment corporation (MIC).15:30 - Why Westbro focuses on well-capitalized operations and transparent dealings.20:40 - Exploring Westboro's unique approach to rural and urban lending markets.24:30 - Derek's thoughts on private lending for residential, construction, and second mortgages.28:00 - Key factors for private lenders in choosing projects and brokers.33:40 - Derek shares strategies for brokers to build lasting relationships with private lenders.37:00 - Advice for brokers on selecting lenders as an extension of their brand.41:00 - Westbro's expansion and success in Ontario's private lending market.45:30 - Derek discusses future trends in the private lending industry and evolving market conditions.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Derek On:Instagram - @derek_serraLinkedInFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

Are you a Canadian thinking about buying property in the U.S.? In this episode of the Canadian Private Lenders Podcast, Ryan McNeill and Neil Andreino cover everything you need to know about securing a mortgage as a Canadian in the United States. With insights into the mortgage process, key financing strategies, and the challenges you might face, this episode is essential for anyone looking to explore cross-border property investment. From the complexities of down payments to tax implications and the risk of negative equity, the hosts provide practical advice and share real-world examples of Canadians successfully investing in U.S. real estate. Plus, they discuss the important role of private lending and the value of working with the right financial partners to make your dream of owning property in the U.S. a reality. Tune in to learn how to use Canadian assets, avoid costly mistakes, and gain a competitive edge in the U.S. property market.Show notes:0:53 - Ryan and Neil discuss Nova Scotia's freezing winter weather this year.2:27 - Neil shares insights into Toronto's pre-construction condo market crisis.3:22 - Neil explains the financial fallout of abandoned condos and appraisal gaps.6:22 - Ryan talks about the high supply of condos in the market.7:56 - Neil explains how rising mortgage rates are affecting Canadian buyers.9:29 - Ryan shares the challenges Canadian buyers face with U.S. mortgage rates.12:24 - Neil emphasizes working with cross-border banks for mortgage financing.15:53 - Ryan shares a case study of leveraging equity for U.S. property.17:18 - Neil discusses the value of private lending options in the U.S. market.19:32 - Ryan explains key tax and legal considerations for Canadians purchasing U.S. property.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

Is artificial intelligence the future of mortgage approvals? This episode of The Canadian Private Lenders Podcast, Neil Andreino and Ryan Neal break down the growing impact of artificial intelligence (AI) on mortgage lending. With AI-powered underwriting, borrower verification, and risk assessment becoming more common, is the industry on the verge of a complete transformation? Let's explore how AI is speeding up mortgage approvals, reducing fraud, and reshaping borrower experiences—but also the challenges that come with it, including bias, data privacy risks, and stricter regulations.Plus, we compare Canada vs. U.S. mortgage markets, discuss how fintech lenders are shaking up traditional banking, and ask the big question—can AI solve Canada's housing affordability crisis or will it drive prices even higher?Tune in to stay ahead in the changing mortgage market! Show notes:1:53 - Introduction to AI in mortgage lending and why it's a game changer for lenders.3:08 - Market shifts: The impact of tariffs, border security policies, and economic uncertainty.6:02 - AI-driven underwriting and why it could reduce approval times from weeks to minutes.7:35 - How AI is detecting fraud and identifying high-risk borrowers.9:48 - Can chatbots and automation truly replace mortgage advisors?11:30 - The future of dynamic pricing models and AI-driven interest rate adjustments.13:56 - Why private lenders may benefit from AI-driven compliance and regulatory automation.15:45 - How AI adoption differs between U.S. and Canadian mortgage industry20:02 - AI's role in improving risk assessment and preventing mortgage fraud.22:18 - How AI can enhance borrower experiences with automation and chatbots.27:30 - Challenges of AI adoption: Compliance, bias, and trust in financial decision-making. Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

Are auction sales the key to unlocking real estate investment opportunities? In this episode, hosts Ryan and Neal break down the world of auction sales in Canada. They cover how properties end up at auction, the processes involved, and the challenges lenders face with financing these opportunities. Learn how foreclosure and tax auctions work, how to conduct property research, and how lenders can use creative financing options to make the most of these real estate opportunities. Show notes:2:02 – Ryan and Neal discuss weather, transitioning to auction sales topic.3:56 – Auction sales becoming less common due to price growth.4:43 – Foreclosure auctions sell properties for unpaid mortgage or taxes.6:02 – Variations in auction processes across provinces like BC and Ontario.7:17 – Tax sales conducted by municipalities for unpaid property taxes.10:50 – Challenges with financing auction properties, especially regarding title insurance.12:14 – Ryan shares how family funds helped finance his first auction property.13:51 – Using cross-collateralization to secure auction purchases with other properties.15:20 – Auction bids require 10-20% deposit and full payment soon after.16:58 – Limited access to property inspections; exterior checks are crucial.19:11 – Importance of networking with auction buyers and local professionals.20:36 – Negotiating directly with homeowners as a strategy before auctions start. Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

Is renting a better option than buying in Canada right now? In this episode of the Canadian Private Lenders' Podcast, Ryan MacNeil and Neal Andreino discuss the current state of the Canadian rental and real estate markets. They break down how recent changes in immigration policies, shifting rental rates, and the global economy could impact your decision. Whether you're looking to buy or rent, they offer valuable insights into the market trends and help you make an informed choice about your financial future. They also analyze the implications of rising mortgage rates, potential tariffs, and more.Show notes:1:49 - Discussion on Vietnam's real estate market and investment opportunities.3:27 - Political shift under Trump and its potential impact on Canada.4:03 - How tariffs and border security issues might affect trade.9:47 - Trudeau's role and strategies regarding trade relations.14:08 - How inflation might affect Canadian mortgage rates in 2025.19:50 -Overview of rental rate declines in major Canadian cities.24:00 - The role of immigration and population growth in rental demand.26:30 -How Halifax is adjusting to increasing apartment availability.28:00 - Data shows rents falling across smaller provinces like Regina.30:00 -Discussing the supply-demand imbalance in Canada's rental market.34:10 - The importance of considering inflation and mortgage rates in 2025.36:00 - Why renting might make more sense financially right now.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

Have you ever faced challenges financing a property transfer within your family? In this episode of The Canadian Private Lenders Podcast, host Ryan steps in as the solo host to break down how private lenders solve one of the trickiest hurdles in real estate: non-arms length transactions. Learn how appraised values, not just purchase prices, can unlock funding opportunities and make seamless transfers possible.With real-world examples like a $380,000 property transfer in Fredericton, this episode explains how private lenders help clients bridge funding gaps, cover legal fees, and even finance renovations. Show notes:00:49- Introduction1:12- Key political changes in Canada and their market effects.1:53- Leadership race details featuring Mark Carney and Chrystia Freeland.2:40- Why non-arms length transactions matter for private lending?3:21- Definition and examples of family property transfers.4:24- Fredericton case study: $380,000 appraised property sold for $225,000.6:10- Creative financing using appraised value for funding.8:44- How brokers can leverage private lending to stand out?10:15- Benefits for borrowers: covering costs and future refinancing.11:29- Upcoming Ontario-focused private lending episodes previewed.Resources: Keystone Capital Group CPLP Instagram: @cplpodcast Keystone Instagram: @keycapgroupFind Neal On:Instagram - @neal.andreinoLinkedInFind Ryan On:LinkedInE-mail - ryan@keycap.ca 

Why do banks fail, and what can you do to protect your savings? In this episode of the Canadian Private Lenders Podcast, Neal and Ryan break down the causes of bank collapses and explore how global and Canadian banks navigate risks.  From historical banking failures to the Silicon Valley Bank collapse, they dive into the vulnerabilities banks face and the safeguards Canadians have.   Show notes:0:58 - Introduction3:45 - Historical global examples of bank failures5:44 - Canadian banks entering into other countries and foreign countries entering in Canada10:00 - Why do banks fail?11:24 - Banks is the business and their product is money14:33 - Silicon Valley Bank19:25 - What protections do Canadians have in their bank? 22:55 - What would happen if the Canadian banks had to fail?25:56 - How can Canadians protect themselves?27:29 - OutroResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

 In this episode of Canadian Private Lenders Ryan sits down with Novillo Capital President, Charles Ackerman to explore the world of private loans. Charles shares how to break into the industry, whether you're experienced or not, and provides a glimpse into his own real estate portfolio. They discuss the importance of diversified employment, the two key criteria investors should look for, and whether the Canadian market is truly overheated. Don't miss this opportunity to gain expert insights and practical strategies for thriving in private mortgage investing—straight from a seasoned entrepreneur! Show notes:1:04 - Introduction1:26 - Introducing guest10:04 - Getting into the business whether having industry experiences or not11:11 - Charles' real estate portfolio14:50 - Diversified employments19:23 - Two bucket that they are looking for in investing25:00 - Is the Canadian market overheated?28:59 - Investing in private mortgages39:20 - OutroResources:Novillo CapitalKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Ready to see how 2024 played out and what's on the horizon for 2025? In this episode of Canadian Private Lenders, Neal and Ryan revisit their 2024 predictions—did home prices drop as expected? Were housing starts up or down? Then, they shift gears to 2025 with bold forecasts on rate cuts, regional trends, and what's in store for Atlantic Canada. Whether you're an investor or simply curious about the market, this episode is packed with insights you won't want to miss!Show notes:0:28 - Introduction3:34 - 2024 Predictions Recap and Predictions for 20255:24 - Will the average home price decrease in 2024 and by how much?7:41 - Will housing start to increase or decline in 2024?8:20 - Will housing start to increase or decline in 2024?13:16 - When will be the first rate cut and how much will it be?15:21 - Will the average Canadian home price decline or increase in 2025?18:24 - Will housing start to decline in Atlantic Canada this 2025?23:57 - OutroResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Imagine trying to close deals in a market where housing demand skyrockets, but supply just can't keep up—how do you adapt and thrive? In this episode, Clinton Wilkins, founder of the Clinton Wilkins Mortgage Team, shares game-changing strategies for real estate professionals. Learn how to tailor your approach to different clients, build a strong team, and navigate Canada's unique market trends. Show notes: 1:11 - Introduction7:15 - Different models work with different people10:57 - Clinton's goals in expanding the team28:49 - How the demand of the housing market is much more higher than the supply29:39 - Clinton's view of the local market in Nova Scotia38:39 - Where is the growth going in the mortgage industry 51:16 - Clinton's advice for aspiring mortgage brokersResources:Clinton Wilkins Mortgage TeamConfessions of a Halifax Mortgage Broker by Clinton WilkinsKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Veronica Love of The Mortgage Group takes us behind the scenes of her incredible career in the mortgage space. Learn how to network effectively, build client trust without a long list of credentials, and leverage educational marketing to stand out. Veronica also shares the key communication mistakes that derail deals and why she transitioned from lending to brokerage.  Packed with actionable advice, this episode is your guide to thriving in the mortgage industry. Don't miss it! Show notes:0:52 - Introduction2:36 - Veronica's career path 6:19 - Veronica's advice on networking12:37 - How to gain a client's trust without credentials?22:22 - 99% of the deals that fall apart is due to miscommunication23:54 - The benefits of educational marketing32:59 - What attracted Veronica to leave the lender side and focus on the brokerage?53:37 - OutroResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

 In this news-packed episode hosts Ryan and Neal dive into the latest Canadian economic updates and their impact on private lending. They discuss tighter border controls aimed at stabilizing the Canadian economy, concerns over potential damage to Canada's GDP, and the current state of interest rates.  Stay ahead in private lending—listen now for the latest updates and expert insights!Show notes:1:13 - Introduction4:21 - News update6:20 - Further control to tightening Canadian borders to avoid detrimental effects to the Canadian economy7:42 - Economic progression suggests potential damage to Canada's GDP 13:19 - The rates in Canada20:00 - Should you go CMHC or conventional?22:12 - Uncertainty on the market23:10 - GST Holiday32:15  - OutroResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Dive into the world of  Investor Relations in Private Lending with Ryan and Neal as they explore the booming real estate markets in Canada. This episode breaks down the key differences between Direct Private Lending and Pool Funds, highlighting the advantages and challenges of each. Learn about the MIC model, its unique pooling approach, as well as the Direct model and learn the advantages and disadvantages of the two. This episode delivers actionable insights to elevate your strategy. Don't miss out!Show notes: 1:11 - Introductions4:52 - Mass appreciation in real estate over Atlantic Canada and Alberta5:46 - Investor relations (Direct Private Lending vs. Pool Funds) 7:36 - Advantage in direct private lending10:53 - Advantage of pool fund model14:51 - In the MIC model there's enough deals pooling 16:36- Challenges behind the MIC model18:53 - Summarizing key differences between MIC and Direct modelResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

In this episode, Neal and Ryan explore how political changes impact the private lending industries in Canada. They discuss the ripple effects of key issues, including the potential evolving challenges in moving capital, and the influence of U.S. economic policies under shifting leadership. Whether you're a seasoned private lender or just starting, this episode offers actionable insights to help you adapt in a dynamic political landscape. Tune in to understand how these changes could shape your next move.Show notes:1:09 - Introduction5:25 - Neal and Ryan reintroduce themselves11:07 - Political shifts and changes 12:51 - How does the political change impact the construction industry21:43 - The potential of the keystone pipeline coming back online25:36 - Why moving money around now has become more difficult26:21 - What if Trump goes heavy on investing in the economy?35:28 - OutroResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Ryan and Zack Muir explore how global investors are reshaping Canada's housing market despite the 2023 Foreign Buyer Ban. From unique opportunities in private lending to key legal tips, this episode breaks down the challenges and strategies international buyers need to succeed to jump into Canadian private lending. Show notes:1:11 - Introduction 2:29 - The hiccups that are happening in the Canadian economy3:32 - International buyers4:14 - Canada's 2023 Introduction of the Foreign Buyer Band6:04 - Diplomats and refugees11:26 - Private lending for foreign buyers14:51 - Make sure to have good legal council17:36 - OutroResources:

Guest host Zack Muir takes you through the essentials of underwriting residential deals, sharing insider tips on what A lenders, B lenders, and private lenders are really looking for. Get the deets on why credit scores might not be a deal-breaker and why having the right mortgage partner can seal the deal. Show notes: 1:12 - Introduction3:49 - Underwriting deals 6:05 - Key requirements for A-lenders and bank lenders9:50 - How likely are A-lenders going to make an exception on a file?12:18 - Why is credit less of a concern for B lenders?13:59 - Credit scores20:50 - What makes private lenders different? 26:30 - Importance of having a great mortgage partner Resources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Join Scott Bentley and Igor Geshelin, the powerhouse duo behind Atlantic Canada's top mortgage brokerage, as they share insights that every real estate professional and entrepreneur should know.  Discover why fixed rates might save you more than variable, how a 30-year amortization can impact investments, and the unique approach Premiere Private Client Group takes toward mentorship and growth! Show notes: 1:14 - Introduction 2:07 - CMP Top 75 Brokers in Canada3:36 - Why getting a fixed rate is much more cheaper than a variable8:50 - 30-year amortization in Canada13:47 - How Premiere Private Client came to be 27:11 - There are a lot of programs that CMHC will do that a lot of banks don't do37:33 - How do they approach mentorship at Premiere?50:47 - OutroResources:Premiere Private Client GroupMortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

In this episode, Ryan and Neal explores a fascinating case: a unique relocation bridge loan for a mini home lakefront property. This episode is packed with insights into the flexibility and creativity private lenders can offer—discussing everything from structuring deals with layered security to assessing borrower stories beyond the traditional credit score. Learn how private lending can offer tailored solutions for borrowers in unique situations and why this approach is gaining popularity in niche markets!Show notes:0:50 - Introduction1:55 - Deal Example: Financing a Mini Home on lakefront property 2:52 – Why lenders hesitate on mini homes6:15 – Property and borrower overview8:57 – Addressing borrower needs that traditional lenders cannot meet10:52 – Flexibility of private lenders in unique scenarios13:14 – OutroResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

It's the one-year anniversary of the podcast, and Ryan and Neal are celebrating by diving into a hot topic: How does a property end up in foreclosure? This episode is packed with practical insights for real estate pros and entrepreneurs—covering everything from crucial communication between lenders and borrowers to the steps that lead to foreclosure. Learn how to protect your deals, stay flexible as a borrower, and ensure you're underwriting smartly to avoid common pitfalls!  Show notes:1:02 - Introduction2:30 - How does a property end up in foreclosure?8:41 - Communication between a lender and a borrower 10:32 - The steps leading to foreclosure 12:41 - Selling the property 13:05 - Flexibility as a borrower15:02 - Make sure when you're underwriting to really ensure that the value is there19:35 - Default rates and significant security through paper and term sheets23:50 - Post-default deal review26:12 - OutroResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Want to learn how to close deals faster, attract top talent, and outmaneuver your competition? Join us on this episode of the Canadian Private Lenders Podcast as Ryan and Neal reveal the secret sauce to creating a high-performance private lending team.From hand-picking the best underwriters to mastering the art of capital acquisition, we're sharing the proven strategies that have successfully helped lenders improve their businesses. Show notes: 0:51 - Introduction6:40 - Building a strong private lending team 8:18 -  What does an underwriter do?10:40 - The role of a capital raiser10:50 - The ability to communicate the investments of a private mortgage is key as as capital raiser12:09 - Sales and marketing 16:59 - Credit manager18:32 - Delegating tasks for your private lending businessResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

We're back 50 episodes stronger! The great debate. Commercial vs. residential – let Ryan and Neal be your guide as they break down the mortgage mystery. From debt service ratios to private lenders, this episode has the answers you need to score the perfect loan for your next real estate deals. Show notes:0:48 - Introduction 1:36 - Commercial vs Residential mortgages3:48 - The difference between commercial and residential mortgages in Canada8:18 - Debt to service coverage ratio9:36 - How your net operating income is calculated11:02 - What would a standard cap-rate be on a small multi-unit vs a Brand new building?18:07 - The role of private lenders for both sides22:09 - The value of choosing the right mortgage22:49 - Outro Resources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Seasoned expert Michelle Drover, VP Atlantic at Premiere Mortgage Centre, reveals how she built a 35-year career in finance and what it takes to excel as a mortgage broker. Michelle breaks down the emotional side of money markets, offers insider tips on mortgage transfers, and explains how Premiere Mortgage Centre became the top mortgage brokerage in Atlantic Canada.  This episode equips you with the insights to fuel your next BIG move. Learn the strategies to ignite growth, navigate market shifts, and stand out in the competitive mortgage industry!  Show notes:0:50 - Introduction2:53 - How she fell in the finance industry 6:29 - Major weekly news from the Canadian government11:47 - Switch/transfer mortgage13:31 - What will spur more construction?15:16 - Money markets are like people- they are emotional 22:37 - What makes Premiere Mortgage standout as one of the leading brokerages in Atlantic Canada?31:37 - What does it take to be a mortgage broker?51:22 - What does Michelle love most working in this industry?Resources:Premiere Mortgage CentreMichelle DroverMortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Curious about how Neal and Ryan turned their lending vision into a $10 million reality in less than 12 months? Join them as they share their journey, from overcoming investor challenges to outperforming the competition.Discover their strategies for building a strong investor network, diversifying their portfolio, and identifying profitable deals. This episode will help you scale your lending business to the next level!  Show notes:0:39 - Intro5:06 - Keystone milestone (hitting 10 million) 6:02 - Major difficulties in handling investor relations9:36 - What makes you different from the other private lenders11:02 - The key components to scale to achieve the $100 point13:33 - Growing the investor network15:04 - Diversification of your investor base19:05 - Underwriting deal selection Resources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

In this episode of Canadian Private Lenders, Neal and Ryan dive into what a mortgage broker actually does and how they can be a game-changer for real estate professionals. From comparing loan options to coordinating with other parties, discover why working with a mortgage broker can save you time and money. Tune in for a quick breakdown! Show notes:0:57 - Introduction2:33 - Rate cuts4:43 - International student cap14:52 - What does a mortgage broker do?17:36 - Mortgage brokers have the ability to compare different loan options24:05 - Mortgage brokers coordinate with other parties27:42 - OutroResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Ryan and Neal dive into the ins and outs of securing a portfolio loan to help you scale your real estate investing business. From understanding upcoming loan schedules to strategies for accelerating your portfolio growth, this episode covers all the  essentials! Show notes:0:35- Introduction6:02 - Maturity schedule for 2024-20277:34 - Q3 2023 amortization of residential mortgages 10:48 - Securing portfolio loans 14:39 - How to accelerate growth in your real estate portfolio 15:00 - Deal example breakdown 19:54 - OutroResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Recent Bank of Canada rate cuts have sent ripples through the Canadian economy, including the value of the Canadian dollar. Today, Ryan and Neal will explore the implications of these changes and how they compare to other major currencies and similar markets. Show notes: 1:12 - Intro9:02 - June-July rate drops and how does it impact CAD? 15:32 - Is Canada holding its own wealth-wise? 16:54 - Canada being similar to Australia in terms of dollar value20:21 - The CAD vs all the major currencies in the world23:33 - OutroResources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Canada's economy is in flux, and the latest rate predictions from the Big 5 banks could have major implications. Join Neal and Ryan as they break down the details and discuss how these changes might impact your finances and businesses. Don't get caught off guard by economic shifts. Tune in now to learn how to stay ahead of the curve! Show notes:1:18 - Intro4:11 - Where are the rates headed for the next upcoming months? 7:23 - Why is the reduction of the Canadian dollar a good thing for Canadians?11:58 - The Big Five rate predictions 16:59 - How do the rates impact the Canadian market nationally?19:05 - Market predictions in late 202521:14 - National housing prices at the end of 2025 Resources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Ever wondered what it takes to run a smooth and efficient private lending business? In this episode, we're revealing the softwares that make it all happen.From automating tedious tasks to harnessing the power of AI, we're sharing how we've built a tech stack that not only streamlines operations but also helps investors navigate the unique challenges of the lending industry. Show notes:0:40 - Introduction8:39 - Perks of using automator software13:16 - Issues with lenders only being in certain platforms14:14 - Online banking systems (Personal vs. Commercial Banking) 17:48 - Quickbooks accounting management software20:28 - Leveraging Microsoft softwares as a tool27:04 - Outro Resources:QuickbooksFilogixMortgage AutomatorSlackCanvaKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Discover how private lenders can be a lifeline for real estate investors and professionals struggling with poor credit. This episode cuts through the noise to provide practical advice on navigating the world of private lending, including:●      The pros and cons of private loans for borrowers with bankruptcy or high credit utilization●      When and how to transition from private lending to alternative financing options●      The key factors private lenders consider when evaluating borrowers●      Real-world strategies for overcoming financial setbacks and securing private loansFrom first-time buyers to experienced investors, this episode offers practical solutions to overcome common challenges and unlock new opportunities in real estate. Show notes:1:17 - Introduction2:15 - Are private lenders for borrowers with bad credit? 10:27 - When do you go from a private lender to an alternative?11:07 - When does the lender get qualified?14:49 - Bankruptcy stays in your bureau for a long time20:38 - Overextended credit utilization 24:27 - Marital breakdowns 27:08 - Outro Resources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Join us as we delve into the world of mortgages with Andrew Matheson, the mastermind behind Canada's largest independent mortgage brokerage, TMG The Mortgage Group. Discover how TMG has helped hundreds of thousands of Canadians achieve their homeownership dreams through personalized mortgage solutions. From navigating the complexities of variable rates to building strong industry relationships, Andrew shares his invaluable insights and TMG's proven success strategies. Show notes:1:05 - Introduction4:19 - Variable rates9:53 - Does Andrew always want to move into a leadership role?15:00 - What does their onboarding process and training look like?18:49 - Investing in social media26:30 - Calculating the total dollar cost of doing the deal vs Comparing the percentage rate27:00 - Do brokers need to have individual relationships with the underwriters and the bank directly?33:33 - OutroResources:TMG The Mortgage GroupKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Unlock the secrets of private lending with our step-by-step guide designed for real estate professionals and entrepreneurs!In this episode, Ryan and Neal will dive into how to kickstart your private lending business, covering everything from underwriting deals to committing to deals and partnering with lawyers. Show notes:0:58 - Introduction3:20 - How to get started from scratch in the private lending business8:06 - How to underwrite your deals?11:41 - Commit to the deal16:41 - Instruct the lawyers 20:42 - Would you ever commit to a deal without fully securing funding?24:27 - OutroResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Want to stay ahead in Canada's fast-moving real estate market?Join Ryan and Neal as they break down the latest, hottest acquisitions. Discover how these mega-deals are shaping the industry and, more importantly, your investment strategy. We'll reveal why real estate is still a hot commodity (but caution against putting all your eggs in one basket). Plus, get the inside scoop on the different acquisitions and mortgage lenders, and why they're making waves right now.Tune in for a quick, expert take on the market! Show notes:1:07 - Introduction2:04 - Recent acquisitions 5:38 - Alternative investment should not represent a large portion in your portfolio7:50 - Investing in real estate has certainly  become more popular11:32 - Nesto mortgage lender 15:50 - Why are there so many acquisitions right now? 20:23 - OutroResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Real estate moguls and entrepreneurial go-getters, this final leg of the Ontario road show is your goldmine! Join industry leader Joseph Fooks as he unravels the secrets to private lending success and how Mortgage Automator eliminates private lending headaches. Get ready for Joseph's inspiring journey, the hidden wealth of private lending, and his innovative FINTRAC solution – all in one info-packed episode!Show notes:1:00 - Introduction1:55 - Joseph's introduction and life before  his business3:38 - There's a lot of money to be made in private lending13:39 - Automator is created for people who have JV problems18:17 -  As the software becomes better it becomes more easier to sell25:05 - How did their team work together to make Mortgage Automator better?37:19 - The upside and downside of owning this type of business45:50 - The FINTRAC solution55:13 - Outro Resources:Mortgage AutomatorKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Calling all real estate professionals and entrepreneurs in Ontario! Join Ryan and Neal on a road trip episode featuring private lending lawyer David Carter. This jam-packed session dives into building a thriving law firm, the key differences between lawyers and brokers, and why private lending is surging in popularity. Gain valuable insights from the experts and unlock your real estate potential!Show notes:9:16 - How did he started his firm 11:26 - Difference between lawyers and mortgage brokers 12:35 - Private lending is different from regular real estate22:27 - How they keep working with good clients 23:33 - Why is it important for private lenders to choose a good legal partner?33:56 - How did COVID-19 impacted his business?37:44 - The fate of the Ontario Market47:16 - Real estate fraud55:20 - OutroResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

Welcome to the first leg of the Ontario Roadshow Tour!  In this episode, we sit down with Doug Adlam, owner of Indi Mortgage, to discuss his journey in building a successful real estate business. Discover Doug's strategies for transitioning into his own business, the importance of finding the right team synergy, and how to seize private mortgage opportunities.  Perfect for real estate professionals and entrepreneurs, this episode is packed with actionable insights and real-world success stories! Show notes:0:20 - Intro6:00 - How Doug switch up into his own real estate business10:48 - The proactive and reactive approach to business14:25 - It's important to find synergy and the right fit for your team 30:50 - Did he have a founding partner, network, and connections while doing his business?33:55 - Sharing their “big wins” in the mortgage broker space38:20 - How do they approach an opportunity for a private mortgage?48:30 - There is a lot of money in the sidelines for the right-priced property51:47 - OutroResources:Indi MortgageKeystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca 

In this episode, we bring you the latest news impacting the lending world. Discover why younger Canadians might deserve compensation for high home prices, predictions of accelerated rate cuts, and the growth versus productivity conundrum in Halifax. Plus, find out how rising housing prices and a vibrant start-up scene could shape the future. Listen and find out insights that matter to anyone navigating the lending landscape!Show notes:1:23 - Introduction3:56 - Update for next week's episodes and exciting guests from the lending industry4:43 - News articles in the lending sphere4:58 - Younger Canadians deserve compensation for enduring higher home prices13:45 - Expect accelerated rate cuts by the end of this year18:47 - Halifax growing but productivity slows22:52 - A lot of young migrants should be coming to Halifax for start-up scene28:50 - Factors and reasons on the rising housing pricesResources:Keystone Capital GroupFind Neal On: Instagram - @RemaxnealLinkedInFind Ryan On: LinkedInE-mail - ryan@keycap.ca