Six Degrees Real Estate Investors Mixer [ Helping Home-Owners and Real Estate Investors Retire Early With Real Estate]

    Refinancing To Grow Your Real Estate Assets

    Real estate mixer - refinancing to grow your real estate assets4 Friday, May 8, 2015

    @6:30 pm-10:00 pm

    Cash Bar @ Baka Gallery Cafe, Bloor West Village (2256 Bloor St West, above the Bell Store) – FREE admission

    How to use refinance to grow your portfolio faster

    Canadian consumers have been enjoying historically low mortgage rates since about 2009, when the financial crisis forced central banks around the world, including the Bank of Canada, to turn on the easy money spigots. The result has been a serious real estate boom, record home ownership rates and a buzzing construction industry.

    Borrowers are not limited to refinancing only the existing mortgage balance but they also have the option to draw equity out of the property. This counteracts the out-of-pocket cost of the prepayment penalty, since equity can be used to cover it.

    One of the positives to refinancing in the middle of the term is that in this low interest rate environment, a borrower can take the additional term and lock in the low interest rate for a term that is longer than the remaining term on the existing mortgage. This helps to secure a low interest rate considering interest rates are expected to rise over time.

    Refinances of mortgages, however, do have other cost considerations that need to be considered. The completion a mortgage refinance would incur new legal costs to register the new mortgage, a new appraisal, a new environmental report and a new building condition report. These additional costs should always be reviewed and offset against the benefits of the refinance.

    While every mortgage has unique terms which can make each analysis different, it is easy to run the analysis to determine the pro and cons for each scenario. Considering how low interest rates have dropped, it can only benefit you to take a look at the scenario.

    Join us on May 8 to create or review your strategy.


    6:30pm Doors Open ~ Networking & Mingling at the bar
    7:15pm Laure Ampilhac, Mortgage Agent & Certified Wealth Management Advisor
    7:30pm Nasser Yaltaghian, Top 1% Mortgage Broker Nationally
    7:45pm – Gary Hibbert, Realtor, Investor, Coach
    8:00pm “All your questions answered” – Roberto Caruso, Real Estate Lawyer

    8:15pm PANEL OF DISCUSSION: REFINANCING to Grow Your Real Estate Assets with Gary Hibbert (Realtor, Investor, Coach), Roberto Caruso (Lawyer), Laure Ampilhac (Mortgage Agent, Investor), and Nasser Yaltaghian (Mortgage Broker Nationally at Mortgage Alliance).
    9:00pm – 10:00pm ~ Networking at the bar

    Real estate mixer - refinancing to grow your real estate assets


    There are three key reasons why you should consider refinancing your current mortgages.

    Firstly, doing so will likely enable you to secure better loan deals across your existing portfolio with lower interest rates – reducing your overall payments and providing extra capital for new investments.

    Secondly, refinancing may allow you to borrow against the equity in your existing property (or properties) to finance additional acquisitions.

    Finally, and perhaps most importantly, refinancing will necessitate a valuation of your investment portfolio, which will help you to identify what assets are and aren’t performing, and to take action accordingly.


    Too many investors try to grow their property portfolio without clear and measurable goals, often leading to underperformance of assets and wasted time and money. It is for this reason that we recommend working with a mortgage broker and wealth management advisor before making new investments; doing this will allow you to map out goals, timelines and strategies for not only prospective investments, but investments already in your portfolio.

    Setting goals and timelines will provide you with a tangible reference point to measure the performance of your investments over time. With these measures in place, you’ll be better positioned to determine the returns on your investments and which assets are worth holding on to or letting go.

    While setting investment goals and regularly reviewing performance may seem like relatively obvious steps, they are fundamental for investors looking to grow a property portfolio quickly.

    Because property is generally an asset that people hold on to for long time-periods, there is a tendency for property investors to take a back seat in terms of reviewing asset performance. If you’re looking for long-term gains, regular performance reviews are arguably not as important; but if you’re aiming to leverage your investments to grow your portfolio quickly, your capital should be invested in assets that are generating returns and increasing your borrowing power in the medium-term.

    Talking from experience, investments that break even or depreciate over the medium-term generally continue to perform poorly over the long-term. In these instances, investors would be wise to seriously question whether the asset is worth holding on to – particularly if they’re looking to accelerate portfolio growth.

    Regular reviews of your investment portfolio will also help you to ascertain whether or not your asset weighting is consistent with your financial appetite. Your financial goals and risk profile may change over time and, as such, you might find yourself wanting to move between different asset classes and diversification strategies. Often these decisions will come down to your perception of market conditions and experiences with different asset types.

    By reviewing your risk profile and financial appetite with a wealth management advisor, you may be able to recalibrate your investment portfolio to have a sharper growth trajectory. There is no set period for reviewing your portfolio – however, prudent investors will conduct a review at least once every three years, if not more.


    register now - six degrees real estate mixer

    To register, click HERE (Eventbrite)

    Six Degrees Real Estate Mixer Meetup Toronto Click here to sign up to the Meet-up List

    Refinancing to grow your real estate assetst

    PS: Admission is on us. FREE event. Bring lots of business cards and good vibes!


    7:15pm Laure Ampilhac

    Laure Ampilhac 1 Retire Early With Real estate JV partner Real estate InvestingPNGDo you have Equity in your Property? Why not benefit from the low interest rates, REFINANCE and grow your real estate portfolio?

    After working for 15 years in corporate sales and business development in France and Canada, Laure quit a comfortable job in the 2009 recession to follow her own entrepreneurial path.
    Robert Kiyosaki’s Rich Dad Training led her to a brand new career in Real Estate Investing, while creating multiple sources of active and passive income. She is a real estate entrepreneur, a landlady, a property manager, a mortgage agent and now a Certified Wealth Management Advisor. She helps home-owners refinance to take out equity and acquire more properties. She also helps investors maximize their RSP with real estate investments.
    Her company is called: “Retire Early With Real Estate”.

    Laure Ampilhac
    Mortgage Agent & Certified Wealth Management Advisor
    ✆ (416) 358-9686 ✆ (877) 764-9492
    Mortgage Alliance Lic# 10530
    Part of the Nasser Yaltaghian Team
    Top 1% Mortgage Brokers Nationally

    Mortgages for Self-Employed, Company Owners, Free-lance Professionals & Bank Turn Downs ; Private Mortgages ; RRSP Mortgage

    logo mortgage alliance laure ampilhac mortgage agent

    7:30pm Nasser Yaltaghian

    Nasser Yaltaghian Mortgage Broker Top producer Ontario Toronto GTAAre you a looking for an experienced mortgage broker whose funding /closing ratio is 100%?

    As an experienced mortgage broker with over 15 years experience, I work with Real Estate Agents, Business owners and the average individual like yourself to find the best financial solution.My dedication and hard work to my clients has earned me the following record:
    • Proven mortgage broker with a funding ratio of 100%
    • Recognized as the #1 Top producer in Mortgage Center from 2009-2013
    • Rated in Top 1% of mortgage brokers nationally with Mortgage Alliance (2014)
    • A person with high Integrity and reputation for servicing clientsWhy only deal with your home bank when you can deal with a mortgage broker that provides you access to over 40 lenders, options and experience.

    Nasser Yaltaghian

    Mortgage Broker
    Cell: (416) 402-1410

    TOP 1% Mortgage Broker Nationally
    Office: 9040 Leslie Street, Suite 305
    Richmond Hill, ON L4B3M4
    Fax: (905) 597-2901
    Mortgage Broker Lic# M08004799
    Mortgage Alliance Lic# 10530
    Richmond Hill, Ontario, Canada – ‎Top 1% Mortgage Broker Nationally * Residential & Commercial Mortgage Funding * Over 15 years experience *


    7:45pm Gary Hibbert

    Gary Hibbert Bio

    REALTOR with a dash of COACHING on the side. Real Estate INVESTOR. Public Speaker & Seminar veteran. AUTHOR. Podcast annotator. YouTube Personality. I’m the other half, (not necessarily the better half) of SMART HOME CHOICE. I hang out on Facebook, Twitter, LinkedIn and Google.


    Office 647.977.3795 / Fax 1.888.767.4045
    Gary 905.767.8818 / Darlene 905.706.9565
    Email / Website



    8:00pm Roberto Caruso, Real Estate Lawyer: All your questions answered

    Roberto Caruso - Six Degrees Real Estate Mixer - Laure Ampilhac Certified wealth management advisor

    Roberto’s main area of practice is real estate law. Mostly residential purchase/sale/mortgage work.

    He also practices business law and wills & estates.–

    Roberto M.Caruso, BA, JD
    Caruso Law
    1920 Yonge St., Suite 200
    Toronto, ON M4S 3E2
    Phone: 416-727-0227 Fax: 416-572-7501





    8:15pm PANEL

    PANEL OF DISCUSSION: REFINANCING to Grow Your Real Estate Assets with Gary Hibbert (Realtor, Investor, Coach), Roberto Caruso (Lawyer), Laure Ampilhac (Mortgage Agent, Investor), and Nasser Yaltaghian (Mortgage Broker Nationally at Mortgage Alliance).



    register now - six degrees real estate mixerTo register, click HERE (Eventbrite)

    Event brought to you by Laure Ampilhac, Mortgage Agent and Certified Wealth Management Advisor
    banner retire early linkedin


    2 Full day WORKSHOP: Property Management Fundamentals

    lena guirguisA proven step by step system that will save you money
    Or your money back!
    2 Full Days of Pure Content!
    Saturday, June 13-14
    8:30 AM – 6:00 PM EST (Eastern)
    Holiday Inn Express Vaughan
    Call Laure at 416-358-9686 for more details
    Use the promo code 6Degrees to get a $300 discount

    Lena Guirguis



    Retire Rich Training Series


    Laure Ampilhac | Mortgage Agent


    Refinancing, Real Estate Investments, Wealth Management
    (416) 358-9686

    The Nasser Yaltaghian Team, Top 1% of Mortgage Brokers Nationally
    Mortgage Alliance Lic# 10530 #200, 2005 Sheppard Ave. E. Toronto, ON M2J 5B4


    Natalia O. Popovich | Nat & Home

    Natalia popovich real estate agent right at home toronto Natalia popovich real estate agent right at home toronto1
    Natalia Popovitch * Sales Representative
    Cell: 416.732.9516
    Office: 905.565.9200

    Todor Yordanov | Real Estate Investment Club

    todor real estate investment club

    Monthly Educational Meetings: Real Estate Investments Club @ Center for Social Innovation CSI: 215 Spadina Ave., Toronto 416-902-9707


    Canadian Real Estate Wealth Magazine


    Click to subscribe now!

    The promo codes are: 6DEGREES1 (1 year subscription for $65, original price: $72)

    6DEGREES2 (2 year subscription for $110, original price: $119). These prices are tax inclusive.



    [ Connecting Real Estate Investors and Industry Professionals in an intimate & warm atmosphere ] Social Event gathering Real Estate Professionals and Investors Bring your business cards.


    six degrees REAL ESTATE MIXER toronto 2Six degrees of separation is the theory that everyone and everything is six or fewer steps away, by way of introduction, from any other person in the world, so that a chain of “a friend of a friend” statements can be made to connect any two people in a maximum of six steps.
    The Real Estate Mixers are designed to educate & connect Investors in an intimate and warm environment.
    Two Objectives:
    EDUCATE: Lively, interactive educational events
    > If you are interested in learning more about how to invest in a property (active investing) or invest your RRSP or savings in private mortgages (passive investing)
    CONNECT: Lively, interactive social events
    > If you are a Real Estate professional (Commercial/Residential Real Estate Investor, Builder, Land Developer, Flipper, Landlord, Property Manager, Home Inspector, Private Lender, Mortgage Agent, Real Estate agent for Investors, Architect, Interior Designer)…
    The aim of these evenings is to create a space for like-minded people with a passion for real estate and investing.


    Laure will be there to connect you with the partner, lender, real estate professional that you have been looking for your project, real estate transaction or investment. Come to me during the event and we will introduce you to the right person! See you there.

    Six Degrees Real Estate Mixer Meetup Toronto facebook1 images real estate mixer banner


    #1. Cash Flow

    A big advantage real estate has over other investments, is that it can produce cash flow on a monthly basis. Positive cash flow is derived from the revenue collected in the form of rent and laundry income minus expenditures required to pay for and operate the building. The cash generated by a real estate investment will always be a much larger percentage cash-on-cash return than any other investment. The reason for this is leverage.

    #2. Leverage

    Leverage is the ultimate power of investing, and the fact is that there is no investment where the application of this tool is more powerful than real estate. In real estate the leverage is based on the asset itself, and even the notoriously conservative banks will loan up to 75-80 percent and sometimes higher of the total asset value. Banks are comfortable lending large sums of money for the purchase of real estate because they know it is one of the safest and most profitable investments available. Also when you leverage an investment, you reap the benefits of appreciation on the total asset value, while only having a small percentage of your own money in the deal.

    #3. Appreciation

    Real estate generally is a long term investment, and its benefits are best realized over the long term. It takes time for real estate to appreciate in value; however, while the property is appreciating the residents are paying down the mortgage. On top of this the rental income grows on a percentage annual basis.

    The average compounded annual increase in real estate nationally has been 5% per year for the last 25 plus years, since 1980. Depending on the real estate cycle at any given time, the geographic location and type of property, the percentage annual increase could be substantially higher of course. Residential real estate appreciates more than the annual rate of inflation over time.

    #4. Hedge Against Inflation

    Many people feel that the commonsense thing to do is to take your money and put it into a savings bond or bank account that yields 2 to 3 percent per year. The main argument for this type of investing is that it is “safer” than real estate or other types of investments. The problem with this strategy is that you do not make any money, due to inflation.

    Inflation is the price we pay for goods measured against a standard of ability to purchase those goods. The long term average of inflation has been nearly 3.5 percent since 1913, the year it began being tracked. That means that putting your money into a bank investment or account that yields only 2 to 3 percent, earns you no purchasing power in the future. You are actually losing wealth because inflation is higher than your returns. The gain in interest is wiped out by the rising cost of living. You are not becoming wealthier, you are becoming poorer because the cost of goods is growing faster than the value of your money.

    The beauty of real estate is that it is a tangible asset-a good. Meaning it will generally rise either at the rate of inflation or much higher. Historically real estate has risen at 5 percent per year -a full 2 to 3 percent higher than inflation. And that is just appreciation. That does not take into account the cash flow generated, nor the tax advantages such as depreciation, refinance, and tax deductible mortgage interest.

    #5. Depreciation

    Depreciation is an income tax deduction that allows a taxpayer to recover the cost of wear and tear, deterioration, or obsolescence on an annual basis. For real estate, it is a nonoperational expense that can be used to your advantage come tax time.

    #6. Refinance

    Another advantage of real estate over other investments is the ability to withdraw cash through a refinance of the property. This, too, is a tax shelter. When you refinance a property you are restructuring your existing mortgage debt based on the added value of the property. Refinancing also allows for investors to pull their initial investment out, while still continuing to have a vested interest in the property, creating a cash-on-cash return of infinite because the capital investment is zero!

    #7. Asset Protection

    There are a number of ways to legally protect a real estate investment that cannot be utilized by other investments like stocks and bonds. If a stock or bond company has a bad year, and suffers losses, the individual investor is simply out of luck. Real estate is one of the few investments that can be insured and protected from damage caused for whatever reason. By having the proper insurance coverage, you are able to claim losses for the actual value of the asset before the loss, and during the loss.

    Another distinct legal advantage of real estate is that it can be placed into a corporation or family trust that allow you to protect your personal wealth by individualizing and protecting your assets in an event of a lawsuit. There are also distinct tax advantages.

    #8. Physical Asset

    Real estate is a physical asset, that cannot be traded by a click of a button by an online brokerage. You can physically walk the grounds of the property, and inspect the building. As such, it’s not subject to the volatility of other investments like stocks, where change can happen fast. You are not at the mercy of the company’s public relations department, waiting to hear from them. Meaning, if the company announces poor earnings for a quarter, the stock will drop suddenly with little warning. Your only option is the react, but not before you’ve lost a substantial sum.

    Real estate is different. While it still has its ups and downs, for the most part real estate takes a more tortoise like approach: slow and steady wins the race. By paying attention, and knowing what to look for, we can see the trends that lead to changes in the market, well before they happen. Allowing us to formulate an investment plan on how to change operations or to sell. This in turn maximizes our return on investment or cash-on-cash return.