In today's busy World, we understand that not everyone has time to focus on their investments. We want to help our investors achieve their investment goals with little to no effort on their part. We want to make things as easy as possible for them. Using real estate, we can help you achieve your goals much sooner than traditional stock picking. When done properly, real estate can yield our investors cash returns of 5-10% and total returns of 15-20%! We use the acronym IDEAL to explain the main benefits of real estate investing:
When done properly, real estate bring in a lot of cash flow.
This accounting term means you can depreciate a real estate asset each year, allowing you to basically decrease the amount of income tax you pay (higher tax percentage) and change it over to a deferred capital gain when you pay recapture at the sale of real estate (lower tax percentage).
Paying down the mortgage over time lets you build equity.
Over time, the cost to build a house generally goes up with inflation. In a hot market with high demand and low supply, this can happen even faster.
By borrowing money from the bank and using OPM (other people's money) a real estate investor can get a better rate of return than if they use 100% of their own money. Let's say you have $100,000 to invest and you are looking at investing in real estate. You can buy 1 house using $100,000 or 5 houses with a 20% downpayment of $20,000 on each of them. Over time, you will be much further ahead when you leverage money. There is higher risk that comes with leverage, but if you invest in the right places as we recommend, you can anticipate safe, reliable returns.
Our real estate journey began 13 years ago when we moved out but decided to keep a condo we owned in downtown Calgary. This brought us to purchase some buy and hold townhouses in South Calgary. While these properties did not cash flow as well as we had hoped, they allowed us to learn a lot about real estate property management, and gave us a true appreciation for all the effort that goes into that. We then transitioned into buy and hold, cash flowing properties in the US, where the market is much bigger and there are many different markets to choose from. Being a dual citizen, allowed me (Nick) to make things much smoother in navigating the banking World as well as developing numerous contacts to help us buy and manage our rental portfolio.
We plan to put our money where our mouth is and eventually sell out of our portfolio in Calgary where the real estate market is based more on appreciation and less on cash flow and transition over to properties in the midwest and southern US where cash flow is much better.
Meet the Team
In the 9-5 World, Nick has been a pharmacy manager for over 15 years. By earning his patients' trust in managing their medications and successfully managing his own investments, Nick is a natural fit for helping other people invest with confidence.
When hes not handing out (legal!) drugs or learning about and investing in real estate, Nick spends numerous hours with his 4 young children, teaching them sports, math and real estate!
Marta is a woman who does it all. At the same time as running a successful wedding planning business for 9 years, she has been managing our portfolio all the way through, and has gained tons of knowledge in the process. She has a knack for hiring and negotiating with trades which has proven to be a valuable asset in every part of our real estate business.
She spends numerous hours with our 4 children making sure they are living a very fulfilled life and have lived life to the max! In her rare free time, she enjoys cruising around southern Alberta on her motorbike.