Cash Offers? Why Not Try This Instead?

Joel Olson • November 5, 2021

Instead of just going with the all-cash offer, give your buyers options and be a real hero in their eyes!

Okay, obviously, these days we hear a lot about people talking about cash offers. 


Obviously, a cash offer seems like it's gonna be a pretty good thing to take advantage of. 


I mean, what could go wrong with a cash offer?


Why couldn't that be the best possible client?


No conditions... no stress... no worries!



 But are you missing an opportunity, having cash offers?


Those cash offer buyers may be people with a good amount of down payment to buy a home for cash, but they may not have a lot of monthly income coming in. Maybe moving to the area means they can take advantage of a higher amount of monthly cash flow.

 
Let me explain. 


If a client comes in to a situation where they can pay cash for an $800,000 house, I realize that sometimes that number may be much bigger or a little bit smaller. But let's say it's $800,000. 


Let's say instead of them buying the house for cash, you advise them to buy a home and put down 600,000  leaving a minuscule $200,000 mortgage and taking that other $200,000 and putting that into an investment property where they put $200,000 down as a down payment. 


Now, there's a number of scenarios that might evolve here. 


But on most properties without math, we are talking about that person because of the size of their down payment and because of of rental income, netting an additional 1500 to $2,000 a month. 


How much of a hero would you appear to them by advising the client who probably may be at the end of their working years and not having the ability to earn extra dollars by going and getting a job or working some elusive side hustle? 


How good would you look to suggest that they could put 1500 or $2,000 extra in their pocket?


Now many clients may still decide that the idea of having a mortgage at this age is not for them, but just the advice of giving them the option is going to make you seem like much smarter than your "average Joe".


Additionally, on top of that, for the clients that do take advantage of this, you're looking at more business for you, more business for me and a much, much better situation for the client where they're able to have monthly cash flow that significantly impacts their life. 


So the next time you see the words "cash offer" come across your desk, or a client saying, "don't worry we'll go all cash", tell them there might be another option that they should maybe just consider in order to have a better quality of life.


I mean 2 deals are always better than one.

Do you have cash offers currently?  Do you have challenging real estate transactions?  Did you have someone get turned down recently?  Let us have a look at your clients' situations and offer a fresh perspective to help you get more transactions done!

 

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Joel Olson
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Bank of Canada Holds Rate at 2.25% — April 29, 2026

By Joel Olson • April 29, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. This decision comes against a backdrop of significant global uncertainty — and for Canadian homeowners, buyers, and anyone with a mortgage coming up for renewal, here's what it means.

Your Guide to Real Estate Investment in Canada

By Joel Olson • April 28, 2026
Your Guide to Real Estate Investment in Canada Real estate has long been one of the most popular ways Canadians build wealth. Whether you’re purchasing your first rental property or expanding an existing portfolio, understanding how real estate investment works in Canada—and how it’s financed—is key to making smart decisions. This guide walks through the fundamentals you need to know before getting started. Why Canadians Invest in Real Estate Real estate offers several potential benefits as an investment: Long-term appreciation of property value Rental income that can support cash flow Leverage , allowing you to invest using borrowed funds Tangible asset with intrinsic value Portfolio diversification beyond stocks and bonds When structured properly, real estate can support both income and long-term net worth growth. Types of Real Estate Investments Investors typically focus on one or more of the following: Long-term residential rentals Short-term or vacation rentals (subject to local regulations) Multi-unit residential properties Pre-construction or assignment purchases Value-add properties that require renovations Each type comes with different financing rules, risks, and return profiles. Down Payment Requirements for Investment Properties In Canada, investment properties generally require higher down payments than owner-occupied homes. Typical minimums include: 20% down payment for most rental properties Higher down payments may be required depending on: Number of units Property type Borrower profile Lender guidelines Down payment source, income stability, and credit history all play a role in approval. How Rental Income Is Used to Qualify Lenders don’t always count 100% of rental income. Depending on the lender and mortgage product, they may: Use a rental income offset , or Include a percentage of rental income toward qualification Understanding how income is treated can significantly impact borrowing power. Financing Options for Investors Investment financing can include: Conventional mortgages Insured or insurable options (in limited scenarios) Alternative or broker-only lenders Refinancing equity from existing properties Purchase plus improvements for value-add projects Access to multiple lenders is often crucial for investors as portfolios grow. Key Costs Investors Should Plan For Beyond the purchase price, investors should budget for: Property taxes Insurance Maintenance and repairs Vacancy periods Property management fees (if applicable) Legal and closing costs A realistic cash-flow analysis is essential before buying. Risk Considerations Like any investment, real estate carries risk. Key factors to consider include: Interest rate changes Market fluctuations Tenant turnover Regulatory changes Liquidity (real estate is not easily sold quickly) A strong financing structure can help manage many of these risks. The Role of a Mortgage Professional Investment mortgages are rarely “one-size-fits-all.” Lender policies vary widely, especially as you acquire more properties. Working with an independent mortgage professional allows you to: Compare multiple lender strategies Structure financing for long-term growth Preserve flexibility as your portfolio evolves Avoid costly mistakes early on Final Thoughts Real estate investment in Canada can be a powerful wealth-building tool when approached with a clear strategy and proper financing. Whether you’re exploring your first rental property or planning your next acquisition, understanding the numbers—and the lending landscape—matters. If you’d like to discuss investment property financing, run the numbers, or explore your options, feel free to connect. A well-planned mortgage strategy can make all the difference in long-term success.