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Artwork for The Truth About Financial Independence for Canadians

The Truth About Financial Independence for Canadians

Erwin Szeto
Real Estate Investing
Real Estate Investment
Real Estate
Canada
Ontario
Real Estate Market
Investment Strategies
Property Management
Affordable Housing
Cash Flow
Interest Rates
Toronto
Financial Planning
Private Lending
Mortgage Financing
Alberta
Real Estate Development
Housing Market
Airbnb
Housing Crisis

Are you a Canadian real estate investor looking for real Canadian Content? You've found it! Since 2016, this weekly show has helped Canadians cut through the BS and uncover the truth about how to most effectively invest in real estate. Ranked as high as #81 globally in iTunes' Business category, host Erwin Szeto is a real estate investor and 4X Investor Realtor of the Year, with just under $500M i... more

PublishesWeeklyEpisodes416Founded10 years ago
Number of ListenersCategories
InvestingBusiness

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Artwork for The Truth About Financial Independence for Canadians

Latest Episodes

Victoria Suen bought her first investment property at 19 years old. She couldn't qualify for a mortgage on her own, so her sisters signed for it. Sixteen years later, she's a licensed architect and the founder of BuildEx Design, helping investors tur... more

Andrew Hines spent 5 and a half years building one of Canada's top 3 real estate podcasts. Nearly 1.3 million downloads. Then, at its peak, he shut it down.

Andrew is the co-founder of multiple US-based real estate acquisition companies operating a... more

Real estate investors understand leverage. 25% down, 75%from the bank, let the asset grow. But what if you could apply that same principle to the stock market, with no tenants, no tribunals, and no 2 a.m. calls?

Mozzie Chleilat is an Account Manage... more

Byron Darlison founded Rise Vision in 1992 in Toronto and ran it for 30 years without raising a dollar of outside equity. For 25 of those years, by his own admission, the business was unfocused, unpredictable, and running him. In year 25, he hired a ... more

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Recent Guests

Andrew Hines
Graduate of Ivy Business School; former host of Andrew Hines Real Estate Investing Podcast; real estate investor with US-focused portfolio
Grotto Getaway; multiple US real estate acquisitions firms
Episode: He Exited His Ontario Real Estate & Podcast To Build REI Businesses | Andrew Hines
Mozzie Chleilat
Account Manager of Business Development at DUCA Specialized Lending
DUCA Specialized Lending
Episode: The 3:1 Investment Loan for Real Estate Investors | Mozzie Chleilat, DUCA
Byron Darlison
Founder of Rise Vision, cloud-based digital signage software company
Rise Vision
Episode: 60-Hour Weeks for 25 Years. Then 10 Hours a Week. Then an 8-Figure Exit | Byron Darlison
Mike Schwarz
Founder and CEO of MyZone AI
MyZone AI
Episode: A Hall Pass to Go All In and Build 200 AI Agents Across 7 Divisions - Mike Schwarz, MyZone AI
Bryan Ma
CPA, CFA, MBA; former M&A and finance professional
Account Train / Volition Properties
Episode: Buying a 25-Year-Old Bookkeeping Firm | Ming Lim & Bryan Ma
Ming Lim
Managing partner, Volition Properties; co-owner of Account Train
Volition Properties / Account Train
Episode: Buying a 25-Year-Old Bookkeeping Firm | Ming Lim & Bryan Ma
Carlos Rodriguez
Return guest, Cashflow Carlos; Canadian financial services veteran turned real estate investor focusing on Cleveland, Ohio
CashflowCarlos (Instagram/TikTok)
Episode: 20 Years in Canadian Finance, Now He Only Buys $70K Cleveland Duplexes | Carlos Rodrigues
Greg Kowalczyk
Ontario landlord and online entrepreneur, former engineer, AI-driven product creator
Geartop / TapeGeeks / RunMate Pro
Episode: He Talks to AI While Walking the Dog | Greg Kowalczyk
Sarah Copeland
Real estate investor, owner of TAG Property Management
TAG Property Management
Episode: Rebuilding Wealth After Divorce: Sarah Coupland on Ontario Multifamily, Distressed Properties, and Creative Financing

Host

Erwin Szeto
Host of Canadian real estate investing content with a focus on practical strategies, market dynamics, and wealth-building through real estate.

Reviews

4.7 out of 5 stars from 350 ratings
  • Great real estate podcast

    I love this podcast and it has been a trusted resource for me for years! I love how Erwin, you aren’t afraid to pivot the strategy and keep finding new ways to be successful with real estate. Plus you are the real deal and only promoting valid long-term strategies, none of the pump and dump. We often see in real estate. Thanks for all you’re doing!

    Apple Podcasts
    5
    Brad Pickering
    Canadaa year ago
  • Well worth a listen!!

    Loving this podcast. Erwin is a fantastic host and does a great job at interviewing his guests!!

    Apple Podcasts
    5
    Poppy@davedubeau
    United Kingdoma year ago
  • True review

    Great podcast! Very informative but Irwin, read the room captain America?

    Apple Podcasts
    5
    JonCRVanIsland
    Canadaa year ago
  • Speaking the truth

    Great podcast! The best part is how you talk about the mistakes and failures that professional real estate investors make. No sugar coating here, just nerdy Asian dad jokes, just like friend’s dads in Vancouver. Keep up the great work Mr. Asian Tiger Cat!

    Apple Podcasts
    5
    AJ Marx
    Canada2 years ago
  • Best real estate podcast for Canada… and now the US

    Love how objective Erwin can be. Was a long time Canada advocate but has objectively adjusted his views and beliefs based on the ever changing economics.

    Apple Podcasts
    5
    Akim_83
    Canada3 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners appreciate candid discussions of real‑world issues, not just success stories.
The host is seen as genuine and transparent, balancing optimism with realism.
Some episodes of debate over risk exposure in stock/option topics have polarized feedback.
Content is actionable, though some episodes pivot into adjacent tech topics such as AI.
Guests bring deep Canadian market insight and practical tactics.
The show is regarded as a reliable resource for Canadian REI and cross‑border opportunities.
Content is praised for niche Canadian focus and practical takeaways.
Listeners value the mix of real estate, finance, and scalable systems.
Audience often values long‑term, cash‑flow oriented strategies over quick flips.

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Talking Points

Recent interactions between the hosts and their guests.

The 3:1 Investment Loan for Real Estate Investors | Mozzie Chleilat, DUCA
Q: How does this compare to traditional real estate leverage?
Instead of tenants and property management headaches, this leverages invested funds in the stock market through professionally managed funds, aiming for higher long-term growth while offering easier exit and margin protections.
The 3:1 Investment Loan for Real Estate Investors | Mozzie Chleilat, DUCA
Q: Who can qualify and what are the underwriting limits?
Most borrowers fall under limited underwriting up to a million dollars, with more than a million requiring financial underwriting and criteria like a 44% maximum TDSR and a minimum net worth of 1.5 times the loan amount, plus liquidity considerations.
The 3:1 Investment Loan for Real Estate Investors | Mozzie Chleilat, DUCA
Q: What is the core idea behind the 3-1 Investment Loan?
The core idea is to allow investors to put in 25% of the equity and have the lender provide 75% as a loan, enabling four times the investor's equity to be controlled in assets while keeping risk in check and offering favorable debt service terms.
60-Hour Weeks for 25 Years. Then 10 Hours a Week. Then an 8-Figure Exit | Byron Darlison
Q: Why is defining an owner's outcome so important for founders?
It keeps the founder focused on what they truly want from the business, guides the core customer strategy, and provides a clear metric-driven path to three-year targets, reducing distractions and misaligned efforts.
60-Hour Weeks for 25 Years. Then 10 Hours a Week. Then an 8-Figure Exit | Byron Darlison
Q: What changes did coaching and Metronomics bring to your business?
Coaching and Metronomics provided a structured operating system, leading to steadier profitability, a reduction in working hours, and a scalable framework that prevented fires from derailing growth.

Audience Metrics

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Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

The show consistently centers on Canadian real estate investing, with extended forays into strategically leveraging debt, cross‑border opportunities, and practical wealth-building through long‑horizon plans. Episodes frequently feature real-world case studies from rental portfolios, multifamily projects, and transitional strategies (e.g., rent-to-own shifts, creative financing, and equity sharing), often paired with tech-enabled approaches such as AI-driven marketing and operating systems. A notable edge is the willingness to discuss mistakes and market headwinds with practical takeaways, along with guests who operate at the intersection of real estate, finance, and growth entrepreneurship. Listeners likely include hands‑on investors, aspir... more

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Which podcasts are similar to this podcast?

These podcasts share a similar audience with this podcast:

1. The Canadian Real Estate Investor
2. Angry Mortgage
3. The Your Life! Your Terms! Show
4. Breakthrough Real Estate Investing Podcast
5. The Wealthy Barber Podcast

How many episodes of this podcast are there?

this podcast launched 10 years ago and published 416 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on this podcast?

Recent guests on this podcast include:

1. Andrew Hines
2. Mozzie Chleilat
3. Byron Darlison
4. Mike Schwarz
5. Bryan Ma
6. Ming Lim
7. Carlos Rodriguez
8. Greg Kowalczyk

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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