# The Wisdom Lifestyle Money Show — Full Episode Index

> Canadian real estate investing podcast hosted by Scott Dillingham, Licensed Mortgage Agent Level 2 (Ontario). Mortgage financing, rental strategies, US cross-border investing, and portfolio growth.

- Website: https://podcast.lendcity.ca
- Parent organization: LendCity Mortgages — https://lendcity.ca
- Host: Scott Dillingham — Licensed Mortgage Agent Level 2 (Ontario). 15+ years experience. $2B+ in real estate financed. https://lendcity.ca/scott-dillingham/
- Occasional hosts: Kristen Dillingham
- Catalog: 93 episodes. Last episode published 13 Aug 2026 (2026-08-13).
- Last updated: 2026-08-13
- Listen:
  - Spotify: https://open.spotify.com/show/6bzUXElshqVweiYSPkhqGZ
  - Apple Podcasts: https://podcasts.apple.com/ca/podcast/the-wisdom-lifestyle-money-show/id1580165534
  - YouTube: https://www.youtube.com/@lendcity
  - RSS: https://anchor.fm/s/11405e7a8/podcast/rss
- Sister show: Close More Deals for Realtors — https://closemoredealspodcast.lendcity.ca

## All Episodes (93)

### Mortgage Investment Corporation Investing: Lending vs Equity with Keasy MIC & LendCity
- URL: https://podcast.lendcity.ca/episodes/mortgage-investment-corporation-investing-lending-vs-equity-with-keasy-mic-and-lendcity
- Date: 2026-08-13
- In this episode of The Wisdom Lifestyle Money Show, Scott sits down with Milan Djankovic of Keasy MIC to unpack how a mortgage investment corporation can give Canadian investors both private lending cash flow and real es

### Value-Add Multifamily Investing in Canada: Scale to MLI Select with Millan Jankovich
- URL: https://podcast.lendcity.ca/episodes/value-add-multifamily-investing-in-canada-scale-to-mli-select-with-millan-jankovich
- Date: 2026-07-23
- In this episode of The Wisdom Lifestyle Money Show, Scott sits down with Millan Jankovich for a practical look at value-add multifamily investing in Canada—from Toronto duplex and triplex conversions to apartment buildin

### US Estate Tax for Canadian Real Estate Investors: Cross-Border Protection with Dave Peniuk
- URL: https://podcast.lendcity.ca/episodes/us-estate-tax-for-canadian-real-estate-investors-cross-border-protection-with-dave-peniuk
- Date: 2026-06-29
- In this episode of The Wisdom Lifestyle Money Show, Scott sits down with Dave Peniuk of Westpac Wealth Partners to tackle one of the biggest blind spots in cross-border real estate investing: U.S. estate tax exposure for

### How Canadians Can Invest in US Real Estate With Better Cash Flow and Simpler Financing
- URL: https://podcast.lendcity.ca/episodes/how-canadians-can-invest-in-us-real-estate-with-better-cash-flow-and-simpler-financing
- Date: 2026-03-23
- Chris shares how he got started just over a year ago with his first fix-and-flip in Ohio, quickly followed by BRRR deals in Michigan, and how that experience shaped the wa

### Divorce-Proof Your Real Estate Portfolio: What Every Canadian Investor Needs to Know
- URL: https://podcast.lendcity.ca/episodes/divorce-proof-your-real-estate-portfolio-what-every-canadian-investor-needs-to-know
- Date: 2026-03-16
- In this episode of The Wisdom, Lifestyle & Money Show, Scott tackles one of the most overlooked risks in Canadian real estate investing: divorce. With Canada's divorce rate sitting at approximately 40%, the impact on rea

### Surviving the Mortgage Renewal Wave: Lower Your Payments and Protect Your Portfolio
- URL: https://podcast.lendcity.ca/episodes/surviving-the-mortgage-renewal-wave-lower-your-payments-and-protect-your-portfolio
- Date: 2026-03-09
- Canada is in the middle of a massive mortgage renewal wave, and for millions of homeowners and investors, the timing couldn't be more challenging. Scott Dillingham, a Licensed Mortgage Agent Level 2, breaks down exactly 

### Pros and Cons of Investing in US Real Estate as a Canadian: What Every Investor Needs to Know
- URL: https://podcast.lendcity.ca/episodes/pros-and-cons-of-investing-in-us-real-estate-as-a-canadian-what-every-investor-needs-to-know
- Date: 2026-03-02
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers an unfiltered breakdown of the real pros and cons Canadian investors face when purchasing US investment properties. With more Canadians e

### How to Recession-Proof Your Real Estate Portfolio | Mortgage & Cash Flow Strategies for Investors
- URL: https://podcast.lendcity.ca/episodes/how-to-recession-proof-your-real-estate-portfolio-mortgage-and-cash-flow-strategies-for-investors
- Date: 2026-02-24
- In this solo episode of the Wisdom Lifestyle Money Show, host Scott Dillingham tackles one of the most pressing concerns facing Canadian real estate investors: how to protect and optimize your portfolio during times of e

### How Canadians Are Using DSCR Loans and Partnerships to Invest in U.S. Real Estate
- URL: https://podcast.lendcity.ca/episodes/how-canadians-are-using-dscr-loans-and-partnerships-to-invest-in-u-s-real-estate
- Date: 2026-02-17
- In this episode of the Wisdom, Lifestyle, Money Show, host Scott Dillingham sits down with Araceli, a mechanical engineer turned full-time real estate investor and renovation contractor based in Cleveland, Ohio. Araceli 

### Private Lending, Bridge Loans & Real Estate Development: Investment Opportunities for Canadians
- URL: https://podcast.lendcity.ca/episodes/private-lending-bridge-loans-and-real-estate-development-investment-opportunities-for-canadians
- Date: 2026-02-08
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham breaks down the investment opportunities available through his investor-focused mortgage brokerage, covering private lending, bridge financing, an

### LendCity Investor Resources: Tools, Calculators & Education for Real Estate Investing Success
- URL: https://podcast.lendcity.ca/episodes/lendcity-investor-resources-tools-calculators-education-for-real-estate-investing-success
- Date: 2026-02-02
- In this episode of the Wisdom, Lifestyle, Money Show, host Scott Dillingham walks viewers through the comprehensive suite of investor resources available through LendCity Mortgages. Many investors are unaware of the exte

### Canadian Real Estate Market Update 2026: Interest Rates, Investment Strategies & Financing Options
- URL: https://podcast.lendcity.ca/episodes/canadian-real-estate-market-update-2026-interest-rates-investment-strategies-and-financing-options
- Date: 2026-01-25
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham delivers a comprehensive Canadian real estate market update for 2026, providing investors with actionable insights on interest rates, financing st

### From Engineer to Real Estate Syndicator: Lucas Jensen's Multifamily & Condo Conversion Strategies
- URL: https://podcast.lendcity.ca/episodes/from-engineer-to-real-estate-syndicator-lucas-jensens-multifamily-and-condo-conversion-strategies
- Date: 2026-01-19
- Syndication opens the door to multifamily real estate at a scale most investors cannot reach alone. In this episode, Scott Dillingham talks with Lucas Jensen, who transitioned from engineering to real estate syndication,

### How to Control $100K in Stocks with Only $25K Down With Erwin Szeto
- URL: https://podcast.lendcity.ca/episodes/how-to-control-100k-in-stocks-with-only-25k-down-with-erwin-szeto
- Date: 2026-01-12
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Erwin Szeto, a seasoned real estate investor, licensed realtor, and insurance professional who has built an eight-figure portfolio 

### Document Secrets Every Real Estate Investor Needs Before Getting Financing
- URL: https://podcast.lendcity.ca/episodes/document-secrets-every-real-estate-investor-needs-before-getting-financing
- Date: 2026-01-05
- In this joint episode of the Wisdom Lifestyle Money Show, host Scott Dillingham of LendCity teams up with real estate investing coach Teresa Beneteau to deliver critical year-end financial preparation advice for investor

### How the Wealthy Build Multimillion-Dollar Real Estate Portfolios with 95% Financing
- URL: https://podcast.lendcity.ca/episodes/how-the-wealthy-build-multimillion-dollar-real-estate-portfolios-with-95-financing
- Date: 2025-12-29
- In this episode of The Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Rhys Trenhaille from the Vanguard Team at Manor Realty to reveal how everyday investors can own multimillion-dollar real estate pro

### From House Hacking to US Multifamily Investing: Mike Nikolica's Real Estate Journey
- URL: https://podcast.lendcity.ca/episodes/from-house-hacking-to-us-multifamily-investing-mike-nicolicas-real-estate-journey
- Date: 2025-12-22
- House hacking is how many Canadian investors get their start — but what comes next? In this episode, Scott Dillingham sits down with Mike Nikolica, who went from house hacking in Canada to scaling a US multifamily portfo

### Unlock 90% CMHC Financing for Secondary Suites & ADU's
- URL: https://podcast.lendcity.ca/episodes/unlock-90-cmhc-financing-for-secondary-suites-and-adus
- Date: 2025-12-15
- Secondary suites and ADUs are one of the fastest-growing real estate strategies in Canada — and CMHC has a program that lets you finance them with 90 percent leverage. In this episode, Scott Dillingham explains exactly h

### Unlocking Multi-Family Wealth: CMHC MLI Select Financing & Alberta Opportunities
- URL: https://podcast.lendcity.ca/episodes/unlocking-multi-family-wealth-cmhc-mli-select-financing-and-alberta-opportunities
- Date: 2025-12-08
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham teams up with mortgage agents and commercial developers Christine Traynor and Jennifer Champion to break down CMHC multifamily financing and revea

### Unlock 100% Financing for Owner-Occupied Commercial Properties in Canada
- URL: https://podcast.lendcity.ca/episodes/unlock-100-financing-for-owner-occupied-commercial-properties-in-canada
- Date: 2025-12-01
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham from LendCity reveals a powerful yet underutilized financing program that allows business owners and real estate investors to purchase owner-occup

### How A Tinder-Like App Helps Investors Find, Analyze, And Close Better Properties
- URL: https://podcast.lendcity.ca/episodes/how-a-tinder-like-app-helps-investors-find-analyze-and-close-better-properties
- Date: 2025-11-24
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham welcomes Saqib Dareshani, founder of RealSwipe, a platform revolutionizing real estate investing. Saqib shares his journey from computer engineeri

### From Immigration Enforcement to Real Estate Law: Shawn Quigg's Journey
- URL: https://podcast.lendcity.ca/episodes/from-immigration-enforcement-to-real-estate-law-shawn-quiggs-journey
- Date: 2025-11-17
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Shawn Quigg, a real estate investing-focused lawyer and partner at Cardinal Law in Ontario. Shawn shares his unexpected entry into real

### Maximizing Profits in Canadian Real Estate: Alberta vs. Ontario Insights
- URL: https://podcast.lendcity.ca/episodes/maximizing-profits-in-canadian-real-estate-alberta-vs-ontario-insights
- Date: 2025-10-15
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham discusses strategies for profiting in today's real estate market, with a focus on Canadian investors. He highlights challenges in Canada, such as 

### From Tech to Toronto Real Estate: Ming Lim's Investing Journey & Strategies
- URL: https://podcast.lendcity.ca/episodes/from-tech-to-toronto-real-estate-ming-lims-investing-journey-and-strategies
- Date: 2025-10-13
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews Ming Lim, President of Volition Properties, a Toronto-based real estate team specializing in investor-focused strategies. Ming shares h

### Canadian to US Real Estate Shift: Carlos Rodrigues' Journey & Tips
- URL: https://podcast.lendcity.ca/episodes/canadian-to-us-real-estate-shift-carlos-rodrigues-journey-and-tips
- Date: 2025-10-06
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Carlos Rodrigues, a Canadian real estate investor who transitioned his portfolio from Ontario to the US Midwest, focusing on Cleveland,

### Financing US Real Estate for Canadians: DSCR Loans & Expert Tips
- URL: https://podcast.lendcity.ca/episodes/financing-us-real-estate-for-canadians-dscr-loans-and-expert-tips
- Date: 2025-09-30
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews David Garner, founder of Garnaco Group, a real estate investment firm specializing in passive US property investments for international

### Why Your Multifamily Deal Needs a Specialized Mortgage Broker Not Just Any Bank
- URL: https://podcast.lendcity.ca/episodes/why-your-multifamily-deal-needs-a-specialized-mortgage-broker-not-just-any-bank
- Date: 2025-07-09
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham welcomes Jennifer Champion and Christine Trainor from LendCity Mortgages to discuss the advantages of working with seasoned mortgage brokers for m

### From Track Star to Real Estate Investor: Rhys Trenhaile's Journey & Tips
- URL: https://podcast.lendcity.ca/episodes/from-track-star-to-real-estate-investor-rhys-trenhailes-journey-and-tips
- Date: 2025-06-19
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Rhys Wyn Trenhaile, broker and team leader of The Vanguard Team at Manor Windsor Realty Ltd. in Windsor, Ontario. Rhys shares his u

### Value-Add Strategies for Multi-Family Investing: Forcing Appreciation
- URL: https://podcast.lendcity.ca/episodes/value-add-strategies-for-multi-family-investing-forcing-appreciation
- Date: 2025-06-05
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham welcomes Jennifer Champion and Christine Traynor from LendCity's commercial mortgage team to explore value-add strategies for multi-family apartme

### Multifamily Financing & Commercial Mortgages in Canada: Jennifer Champion & Christine Traynor
- URL: https://podcast.lendcity.ca/episodes/multifamily-financing-and-commercial-mortgages-in-canada-jennifer-champion-and-christine-traynor
- Date: 2025-05-22
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham welcomes Jennifer Champion and Christine Traynor from the LendCity Mortgages team to discuss commercial financing options for Canadian investors. 

### From Engineering to US Real Estate: Tom McCormick's Cross-Border Investing Journey
- URL: https://podcast.lendcity.ca/episodes/from-engineering-to-us-real-estate-tom-mccormicks-cross-border-investing-journey
- Date: 2025-02-18
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Tom McCormick, a mechanical aerospace engineer turned real estate investor from Windsor, Ontario. Tom shares his entry into real estate

### Cross-Border Real Estate: Carmen Da Silva's Tips for Canadians Investing in the US
- URL: https://podcast.lendcity.ca/episodes/cross-border-real-estate-carmen-da-silvas-tips-for-canadians-investing-in-the-us
- Date: 2025-02-04
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews Carmen Da Silva, a cross-border CPA and co-founder of SHARE, who specializes in helping Canadians invest in U.S. real estate. Carmen sh

### Canadian's Guide to US Real Estate Investing: Derek Wormsbecker's Story
- URL: https://podcast.lendcity.ca/episodes/canadians-guide-to-us-real-estate-investing-derek-wormsbeckers-story
- Date: 2025-01-28
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Derek Wormsbecker, a mortgage agent at LendCity who specializes in helping Canadians invest in US properties. Derek shares his journey 

### Saving on FX for US Real Estate: Marc Racette's Tips for Canadians
- URL: https://podcast.lendcity.ca/episodes/saving-on-fx-for-us-real-estate-marc-racettes-tips-for-canadians
- Date: 2025-01-21
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews Marc Racette, CEO and co-founder of Pulse FX, a Toronto-based foreign exchange and global payments firm. Marc shares his journey starti

### Canadian Investors' Path to US Real Estate: Dmitri Bourchtein's Insights
- URL: https://podcast.lendcity.ca/episodes/canadian-investors-path-to-us-real-estate-dmitri-bourchteins-insights
- Date: 2025-01-14
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Dmitri Bourchtein, CIO and Co-Founder of SHARE, a platform that simplifies US real estate investing for Canadians. Dmitri shares hi

### Get Your EIN in 2 Hours: Canadian US Real Estate Investing Guide
- URL: https://podcast.lendcity.ca/episodes/get-your-ein-in-2-hours-canadian-us-real-estate-investing-guide
- Date: 2024-12-31
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham shares a streamlined approach for Canadians and foreign investors to obtain an EIN (Employer Identification Number) in as little as two hours to f

### Maximizing Shareholder Value in Real Estate: Milena Cardinal's Insights
- URL: https://podcast.lendcity.ca/episodes/maximizing-shareholder-value-in-real-estate-milena-cardinals-insights
- Date: 2024-12-24
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Milena Cardinal, founder of Cardinal Law in Ontario, about optimizing corporate structures for real estate investments. Milena explains

### Easy Mortgage Qualification for Canada & USA Real Estate Investors: DCR & DSCR Guide
- URL: https://podcast.lendcity.ca/episodes/easy-mortgage-qualification-for-canada-and-usa-real-estate-investors-dcr-and-dscr-guide
- Date: 2024-12-17
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham, President of LendCity Mortgages, dives into strategies for qualifying for investment property mortgages in Canada and the USA without relying sol

### How to Build a Real Estate Investing Team in Canada: Who You Need and Where to Find Them
- URL: https://podcast.lendcity.ca/episodes/how-to-build-a-real-estate-investing-team-in-canada-who-you-need-and-where-to-find-them
- Date: 2024-12-15
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham shares insights from his recent presentation at the WealthGenius EXPAND Investor Conference in November 2025, where over 1,100 tickets were sold. 

### Canadian Guide to US Real Estate Investing: Andrew Kim's Story & Strategies
- URL: https://podcast.lendcity.ca/episodes/canadian-guide-to-us-real-estate-investing-andrew-kims-story-and-strategies
- Date: 2024-12-05
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Andrew Kim, CEO and co-founder of SHARE, a real estate technology company specializing in US single-family rental (SFR) investments

### Why Canadians Should Invest in US Real Estate: Trends & Strategies
- URL: https://podcast.lendcity.ca/episodes/why-canadians-should-invest-in-us-real-estate-trends-and-strategies
- Date: 2024-11-26
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham dives into the shifting investment landscape for Canadians, highlighting why many are turning to US real estate amid economic challenges at home. 

### Navigating GPLP Structures in Real Estate: Protection & Financing Tips
- URL: https://podcast.lendcity.ca/episodes/navigating-gplp-structures-in-real-estate-protection-and-financing-tips
- Date: 2024-11-24
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews Milena Cardinal, a real estate lawyer and founder of Cardinal Law Professional Corporation in Cornwall, Ontario. They dive into the ess

### Canadian's Path to US Real Estate: Glen Sutherland's Journey & Tips
- URL: https://podcast.lendcity.ca/episodes/canadians-path-to-us-real-estate-glen-sutherlands-journey-tips
- Date: 2024-11-18
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Glen Sutherland, a seasoned Canadian real estate investor specializing in US properties. Glen shares his transition from investing 

### Joint Ventures in Real Estate: Jonathan Faerman on Investium Platform
- URL: https://podcast.lendcity.ca/episodes/joint-ventures-in-real-estate-jonathan-faerman-on-investium-platform
- Date: 2024-11-10
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Jonathan Faerman, founder of Investium, a platform designed to connect real estate investors for joint ventures. Jonathan shares hi

### How Canadians Can Get a US Mortgage: Lending Options for Cross-Border Real Estate Investing
- URL: https://podcast.lendcity.ca/episodes/how-canadians-can-get-a-us-mortgage-lending-options-for-cross-border-real-estate-investing
- Date: 2024-05-22
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham dives into LendCity's US lending options for Canadians and other foreign buyers interested in American investment properties. As a one-stop shop f

### From Steel to Real Estate: Alex Ciotoli's Windsor Investing Journey
- URL: https://podcast.lendcity.ca/episodes/from-steel-to-real-estate-alex-ciotolis-windsor-investing-journey
- Date: 2024-05-10
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Alex Ciotoli, an investment-focused realtor in Windsor, Ontario, now with RE/MAX Preferred Realty Ltd. Alex shares his unique backg

### From Guinness Records to Real Estate: Evan Ungar's Goal-Setting Journey & Investing Insights
- URL: https://podcast.lendcity.ca/episodes/from-guinness-records-to-real-estate-evan-ungars-goal-setting-journey-and-investing-insights
- Date: 2024-02-12
- In this episode of the Wisdom Lifestyle Money Show, host Gillian Irving interviews Evan Ungar, a real estate entrepreneur, Guinness World Record holder, and author of the Amazon bestselling book Make the Decision: From G

### From Canadian Markets to US Real Estate: Monika Jazyk's Investing Journey
- URL: https://podcast.lendcity.ca/episodes/from-canadian-markets-to-us-real-estate-monika-jazyks-investing-journey
- Date: 2024-02-08
- In this episode of the Wisdom Lifestyle Money Show, host Gillian Irving interviews Monika Jazyk, a seasoned real estate investor and co-owner of RPI Education. Monika shares her background as a former teacher with a mast

### US Real Estate for Canadians: Tax Setup & Investing Tips
- URL: https://podcast.lendcity.ca/episodes/us-real-estate-for-canadians-tax-setup-and-investing-tips
- Date: 2024-02-07
- In this episode of the Wisdom Lifestyle Money Show, host Gillian Irving, a mortgage agent with LendCity Mortgages, interviews Michael Matthew, a Chartered Professional Accountant with over 30 years of experience. Michael

### From Minnesota Winters to Florida Wealth: Ryan Poole's Real Estate Story
- URL: https://podcast.lendcity.ca/episodes/from-minnesota-winters-to-florida-wealth-ryan-pooles-real-estate-story
- Date: 2023-11-29
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Ryan Poole, owner of RealTrade and a seasoned realtor specializing in South Florida properties. Ryan shares his journey from growing up

### From Broke Student to Real Estate Mogul: Jeffrey Woods' Journey & US Investing Tips
- URL: https://podcast.lendcity.ca/episodes/from-broke-student-to-real-estate-mogul-jeffrey-woods-journey-and-us-investing-tips
- Date: 2023-11-27
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Jeffrey Woods, a seasoned real estate investor who has been full-time in the industry since 1998. Jeffrey shares his origins as a s

### Real Estate Renovation Tips for Investors: Avoid Costly Mistakes
- URL: https://podcast.lendcity.ca/episodes/real-estate-renovation-tips-for-investors-avoid-costly-mistakes
- Date: 2023-11-05
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Nick Messina, a realtor from Team Goran at RE/MAX Care Realty in Windsor, Ontario, and Kass Dipasquale, founder and principal designer 

### Pros and Cons of Buying Real Estate in a Corporation vs Personally
- URL: https://podcast.lendcity.ca/episodes/pros-and-cons-of-buying-real-estate-in-a-corporation-vs-personally
- Date: 2023-07-20
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham addresses a listener's request to explore the advantages and disadvantages of purchasing investment properties through a corporation versus in one

### Overcoming Negative Cash Flow: 3 Strategies for Rental Investors
- URL: https://podcast.lendcity.ca/episodes/overcoming-negative-cash-flow-3-strategies-for-rental-investors
- Date: 2023-07-01
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham addresses a common challenge facing rental property investors in Canada amid high interest rates. With many investors holding variable rate mortga

### Fixed vs Variable Mortgage for Real Estate Investors: Which Rate Strategy Wins Long-Term?
- URL: https://podcast.lendcity.ca/episodes/fixed-vs-variable-mortgage-for-real-estate-investors-which-rate-strategy-wins-long-term
- Date: 2023-06-30
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham shares insights on navigating mortgage interest rates amid economic uncertainty. Recorded in June 2023 during a period of rising rates, Scott disc

### Behind the Mortgage: Every Document and Step Your Lender Actually Needs to Approve You
- URL: https://podcast.lendcity.ca/episodes/behind-the-mortgage-every-document-and-step-your-lender-actually-needs-to-approve-you
- Date: 2023-05-25
- In this special admin edition of the Wisdom Lifestyle Money Show, host Kristen Dillingham sits down with LendCity Mortgages admins Kayla Miller and Jillian Barnes to demystify the mortgage application process. Drawing fr

### From Firefighter to Real Estate Developer: Paul D'Abruzzo's Journey & Investing Tips
- URL: https://podcast.lendcity.ca/episodes/from-firefighter-to-real-estate-developer-paul-dabruzzos-journey-and-investing-tips
- Date: 2023-03-16
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews Paul D'Abruzzo, an investor-focused realtor and developer in the GTA. Paul shares his background as a former Toronto firefighter for 10

### From Accidental Investor to Mortgage Expert: Gillian Irving's Real Estate Story
- URL: https://podcast.lendcity.ca/episodes/from-accidental-investor-to-mortgage-expert-gillian-irvings-real-estate-story
- Date: 2022-11-23
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Gillian Irving, a mortgage agent at LendCity specializing in investment properties and student rentals. Gillian shares her journey as a

### Family Plumbing Legacy: Ryan Giles on Building RFG & Investor Tips
- URL: https://podcast.lendcity.ca/episodes/family-plumbing-legacy-ryan-giles-on-building-rfg-and-investor-tips
- Date: 2022-11-02
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham chats with Ryan Giles, owner of RFG Plumbing and Electrical in Essex, Ontario. Ryan shares his journey growing up in a family of plumbers, startin

### From Adversity to Purpose: Amy Wong on Living Intentionally & Leadership
- URL: https://podcast.lendcity.ca/episodes/from-adversity-to-purpose-amy-wong-on-living-intentionally-and-leadership
- Date: 2022-10-19
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Amy Eliza Wong, a transformational leadership coach and author. Amy shares her upbringing in Sacramento, California, surrounded by 

### From Sun Life to Co-operators: Paul Lue Pann's Insurance & Wealth Journey
- URL: https://podcast.lendcity.ca/episodes/from-sun-life-to-co-operators-paul-lue-panns-insurance-and-wealth-journey
- Date: 2022-09-20
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham sits down with Paul Lue Pann, a financial planner and owner at PLP Financial Services Inc. with The Co-operators in Windsor, Ontario. Paul shares 

### From Social Work to Real Estate: Scott Thompson's Inspiring Path & Investing Tips
- URL: https://podcast.lendcity.ca/episodes/from-social-work-to-real-estate-scott-thompsons-inspiring-path-and-investing-tips
- Date: 2022-08-24
- In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham interviews Scott Thompson, a realtor with at RE/MAX in Windsor, Ontario. Scott shares his background growing up in Windsor, from playing sports in

### Canadas Mortgage Stress Test Explained: How to Protect Your Buying Power as Rates Change
- URL: https://podcast.lendcity.ca/episodes/canadas-mortgage-stress-test-explained-how-to-protect-your-buying-power-as-rates-change
- Date: 2022-07-17
- Canadas mortgage stress test has blocked more buyers than almost any other policy change in recent history — but most people do not fully understand how it works or how to plan around it. In this episode, Scott Dillingha

### How to Analyze a Rental Property in Canada: Cash Flow Calculations and Due Diligence Checklist
- URL: https://podcast.lendcity.ca/episodes/how-to-analyze-a-rental-property-in-canada-cash-flow-calculations-and-due-diligence-checklist
- Date: 2022-03-07
- Buying a rental property without running the numbers is one of the most expensive mistakes an investor can make. In this episode, Scott Dillingham walks through the complete property analysis process — from cash flow cal

### How to Manage Real Estate Investments While Working Full-Time Without Burning Out
- URL: https://podcast.lendcity.ca/episodes/how-to-manage-real-estate-investments-while-working-full-time-without-burning-out
- Date: 2022-03-04
- Most real estate investors do not quit their jobs before building their portfolio — they build it while working. In this episode, Scott Dillingham shares the systems and delegation strategies that let busy professionals 

### Single Family vs Multifamily Real Estate: Which Investment Strategy Builds Wealth Faster in Canada?
- URL: https://podcast.lendcity.ca/episodes/single-family-vs-multifamily-real-estate-which-investment-strategy-builds-wealth-faster-in-canada
- Date: 2022-02-11
- Single family or multifamily — which investment strategy actually builds more wealth in Canada over time? In this episode, Scott Dillingham compares the two approaches head to head across cash flow, financing, management

### Inside LendCity: What It Is Really Like to Work at a Top Canadian Mortgage Brokerage
- URL: https://podcast.lendcity.ca/episodes/inside-lendcity-what-it-is-really-like-to-work-at-a-top-canadian-mortgage-brokerage
- Date: 2022-01-31
- What actually makes LendCity different? In this episode, Scott Dillingham goes behind the scenes to share the culture, career paths, values, and team philosophy that drive the business — and what he looks for when buildi

### How Exercise Won a $3M Client and Changed My Life
- URL: https://podcast.lendcity.ca/episodes/how-exercise-won-a-3m-client-and-changed-my-life
- Date: 2022-01-24
- Scott Dillingham did not expect that getting in shape would change his business — but it did, in a way that directly led to a $3M client. In this episode, he shares the story of how physical discipline rewired his profes

### How to Start a Business When You Are Scared: The Fear and Mindset Shifts That Make the Difference
- URL: https://podcast.lendcity.ca/episodes/how-to-start-a-business-when-you-are-scared-the-fear-and-mindset-shifts-that-make-the-difference
- Date: 2022-01-21
- The fear of starting a business is real — but it does not have to be a permanent barrier. In this episode, Scott Dillingham shares the exact mindset shifts and practical first steps that helped him push through fear, bui

### Fixed vs Variable Mortgage in Canada: Which Should You Choose in Todays Rate Environment?
- URL: https://podcast.lendcity.ca/episodes/fixed-vs-variable-mortgage-in-canada-which-should-you-choose-in-todays-rate-environment
- Date: 2022-01-11
- Fixed or variable — it is one of the most consequential mortgage decisions a Canadian can make, and most people make it based on gut feel rather than strategy. In this episode, Scott Dillingham cuts through the noise wit

### The BRRRR Strategy Explained: How to Refinance and Renovate Your Way to Multiple Rentals in Canada
- URL: https://podcast.lendcity.ca/episodes/the-brrrr-strategy-explained-how-to-refinance-and-renovate-your-way-to-multiple-rentals-in-canada
- Date: 2021-12-28
- The refinance-and-renovate strategy is one of the most powerful tools available to Canadian rental investors — and most people are not using it to its full potential. In this episode, Scott Dillingham explains how to rec

### Your Top Mortgage Questions Answered: Rates, Down Payments and What Banks Keep Quiet
- URL: https://podcast.lendcity.ca/episodes/your-top-mortgage-questions-answered-rates-down-payments-and-what-banks-keep-quiet
- Date: 2021-12-28
- Rates, down payments, amortization, penalties — your buyers and investors have questions and you need the right answers. In this episode, Scott Dillingham tackles the mortgage questions that come up most often from Canad

### The 3 Types of Mortgage Preapprovals: Which One Protects You Best?
- URL: https://podcast.lendcity.ca/episodes/the-3-types-of-mortgage-preapprovals-which-one-protects-you-best
- Date: 2021-12-15
- Not all mortgage pre-approvals are created equal — and the wrong one can cost you a deal when it matters most. In this episode, Scott Dillingham breaks down the 3 types of pre-approvals and explains which one actually pr

### Banks vs Mortgage Brokers: What Nobody Tells You About Choosing the Right Lender in Canada
- URL: https://podcast.lendcity.ca/episodes/banks-vs-mortgage-brokers-what-nobody-tells-you-about-choosing-the-right-lender-in-canada
- Date: 2021-12-09
- Most Canadians assume their bank is the best place to get a mortgage. They are wrong — and it costs them thousands. In this episode, Scott Dillingham explains the real difference between banks and mortgage brokers, which

### From Carpenter to Real Estate Investor: Manny Cabral's Flipping Journey
- URL: https://podcast.lendcity.ca/episodes/from-carpenter-to-real-estate-investor-manny-cabrals-flipping-journey
- Date: 2021-11-22
- In this episode of The Wisdom, Lifestyle, Money Show, host Scott Dillingham interviews Manny Cabral, a seasoned real estate investor specializing in flipping and wholesaling over 30 properties in Simcoe County and Hamilt

### The Mindset and Visualization Strategy That Actually Helps You Achieve Any Goal
- URL: https://podcast.lendcity.ca/episodes/the-mindset-and-visualization-strategy-that-actually-helps-you-achieve-any-goal
- Date: 2021-11-15
- In this motivational episode of The Wisdom, Lifestyle, Money Show , host Scott Dillingham shares his personal journey from unfulfilling banking roles to founding LendCity Mortgages, revealing how mindset, visualization, 

### Boost Your Credit Score Fast: Proven Strategies for Canadian Investors and Homebuyers
- URL: https://podcast.lendcity.ca/episodes/boost-your-credit-score-fast-proven-strategies-for-canadian-investors-and-homebuyers
- Date: 2021-11-10
- Your credit score is not just a number — it is the key to lower rates, higher approvals, and better investing power. In this episode, Scott Dillingham shares the exact strategies that Canadian investors and homebuyers us

### How To Buy Unlimited Rental Properties: Lender Strategies
- URL: https://podcast.lendcity.ca/episodes/how-to-buy-unlimited-rental-properties-lender-strategies
- Date: 2021-10-31
- The debt wall stops most real estate investors cold at 2 or 3 properties — but it does not have to stop yours. In this episode, Scott Dillingham reveals the lender strategies including DSCR loans, commercial financing, a

### Joe Conlon Team: Windsor Real Estate Tips & Stories
- URL: https://podcast.lendcity.ca/episodes/joe-conlon-team-windsor-real-estate-tips-and-stories
- Date: 2021-10-17
- The Joe Conlon team is one of Windsor most active in real estate — and in this episode, team members join Scott Dillingham to share insights from the local market and what buyers and investors should know right now. The 

### Kids Take Over: Isaiah & Aubrey on Pokémon & Business
- URL: https://podcast.lendcity.ca/episodes/kids-take-over-isaiah-and-aubrey-on-pok-mon-and-business
- Date: 2021-10-10
- In this fun, family-focused episode of The Wisdom, Lifestyle, Money Show , host Scott Dillingham interviews his children, Isaiah (age 6) and Aubrey (age 9), sharing laughs about hobbies, summer adventures, and future dre

### Scott Innocente: From Government Job to Real Estate Investor
- URL: https://podcast.lendcity.ca/episodes/scott-innocente-from-government-job-to-real-estate-investor
- Date: 2021-10-06
- Walking away from a stable government job to chase real estate investing full-time is a leap most people never take. In this episode, Scott Dillingham sits down with Scott Innocente to hear how he made that decision and 

### Quentin D'Souza: Scaling to $80M Real Estate Portfolio
- URL: https://podcast.lendcity.ca/episodes/quentin-dsouza-scaling-to-80m-real-estate-portfolio
- Date: 2021-09-26
- An $80M real estate portfolio does not happen by accident — it is the result of very specific strategies, financing decisions, and mindset choices. In this episode, Scott Dillingham sits down with Quentin D Souza to brea

### Jillian Lynch: Biking Canada for SickKids Awareness
- URL: https://podcast.lendcity.ca/episodes/jillian-lynch-biking-canada-for-sickkids-awareness
- Date: 2021-09-19
- Jillian Lynch is doing something most of us would never attempt — biking the entire length of Canada to raise awareness for SickKids Hospital. In this episode, Scott Dillingham sits down with Jillian to hear what drives 

### Matt Buschman: Real Estate Growth & Team Building
- URL: https://podcast.lendcity.ca/episodes/matt-buschman-real-estate-growth-and-team-building
- Date: 2021-09-12
- Growing a real estate portfolio and building a team at the same time requires a specific kind of discipline — and Matt Buschman has figured it out. In this episode, Scott Dillingham talks with Matt about how he grew both

### Sean Lippert: Entrepreneur Journey & Scare House Secrets
- URL: https://podcast.lendcity.ca/episodes/sean-lippert-entrepreneur-journey-and-scare-house-secrets
- Date: 2021-09-05
- Sean Lippert did not build a traditional business — he built a scare house. In this episode, Scott Dillingham sits down with Sean to hear the story behind one of Windsor most unconventional entrepreneurial ventures, and 

### Joint Ventures in Real Estate: Tyler Soullier's Windsor Guide
- URL: https://podcast.lendcity.ca/episodes/joint-ventures-in-real-estate-tyler-soulliers-windsor-guide
- Date: 2021-08-29
- Most real estate investors treat joint ventures as a last resort — but Tyler Soullier has built his entire portfolio around them. In this episode, Scott Dillingham sits down with Tyler to break down how Windsor-area JV d

### Real Estate Investing in Canada: Key Benefits, Common Pitfalls and Profit Strategies That Actually Work
- URL: https://podcast.lendcity.ca/episodes/real-estate-investing-in-canada-key-benefits-common-pitfalls-and-profit-strategies-that-actually-work
- Date: 2021-08-26
- Real estate investing in Canada offers some of the most reliable wealth-building opportunities available — but only if you know the landmines. In this episode, Scott Dillingham breaks down the real benefits, the pitfalls

### From Bankruptcy to Realtor® Success: Kris Ramotar's Windsor Story
- URL: https://podcast.lendcity.ca/episodes/from-bankruptcy-to-realtor-success-kris-ramotars-windsor-story
- Date: 2021-08-15
- Bankruptcy feels like the end — but for Kris Ramotar, it was the beginning. In this episode, Scott Dillingham sits down with Kris to hear how he rebuilt his finances, earned his real estate license, and built a successfu

### Mortgage Savings Secrets Most Canadians Never Hear: Beyond the Interest Rate
- URL: https://podcast.lendcity.ca/episodes/mortgage-savings-secrets-most-canadians-never-hear-beyond-the-interest-rate
- Date: 2021-08-08
- Most Canadians laser-focus on getting the lowest mortgage rate — and miss the savings that are three times bigger. In this episode, Scott Dillingham reveals the mortgage features, penalties, portability clauses, and CMHC

### From Cell Phone Sales to Top Producing Realtor® with Joe Conlon
- URL: https://podcast.lendcity.ca/episodes/from-cell-phone-sales-to-top-producing-realtor-with-joe-conlon
- Date: 2021-08-01
- Most people start their real estate career from zero — Joe Conlon started from a cell phone kiosk. In this episode, Scott Dillingham sits down with Joe Conlon to hear how he built one of Windsor top real estate teams and

### How to Leverage Your Assets to Invest in Real Estate and Stocks in Canada Without Getting Burned
- URL: https://podcast.lendcity.ca/episodes/how-to-leverage-your-assets-to-invest-in-real-estate-and-stocks-in-canada-without-getting-burned
- Date: 2021-07-25
- Your home equity, your RSP, your line of credit — all of these can be turned into investment capital if you know how. In this episode, Scott Dillingham walks through the smartest ways to leverage existing assets for real

### Good Debt vs Bad Debt: The Calculated Leverage Strategy for High-Return Investing in Canada
- URL: https://podcast.lendcity.ca/episodes/good-debt-vs-bad-debt-the-calculated-leverage-strategy-for-high-return-investing-in-canada
- Date: 2021-07-18
- Good debt builds wealth. Bad debt destroys it. The difference is calculated leverage — and in this episode, Scott Dillingham breaks down exactly how to use borrowing strategically to generate returns that far exceed the 

### From Broke Kid to $1B Mortgage Expert: Scott Dillinghams Story and What This Show Will Do for You
- URL: https://podcast.lendcity.ca/episodes/from-broke-kid-to-1b-mortgage-expert-scott-dillinghams-story-and-what-this-show-will-do-for-you
- Date: 2021-07-11
- Before the $2B+ in closed mortgages and the hundreds of real estate investors he has coached, Scott Dillingham was a kid figuring things out in Lewiston, Maine. In this first episode, he shares the personal story behind 

## Related LendCity Resources

- Investor tools & calculators: https://lendcity.ca/investor-resources/
- DSCR loans (US): https://lendcity.ca/dscr-loans/
- Canadians investing in the US: https://lendcity.ca/mortgage-financing-for-canadians-in-the-u-s-a/
- Multi-family financing: https://lendcity.ca/multi-family-mortgage-financing/
- Mexico financing: https://lendcity.ca/mortgage-financing-for-canadians-in-mexico/
- LendCity blog: https://lendcity.ca/blog/
- Apply for financing: https://lendcity.ca/apply/
- Book a strategy call: https://lendcity.ca/book-strategy-call/?utm_source=podcast&utm_medium=shownotes&utm_campaign=wisdom-lifestyle-money