During the past two years investors have been benefiting from low rates. The Bank of Canada is now slowly beginning to increase them. Although we are currently in a pending macroeconomic environment, Stephanie Kowalew believes we are stepping back into a “more normal” market in which younger generations can buy real estate. 

 

Stephanie Kowalew, an experienced commercial mortgage broker, joins us again to talk about the best ways investors can get prepared for a tightening of credits, financing with higher stress-tests and how to prepare files.

 

Stephanie and Axel dive deep into the importance of stress-testing using a much higher interest rate and being creative when it comes to revenue and expenses, the new APH Select program launched by CMHC that offers insurance incentives (for new construction and existing properties) based on affordability, energy efficiency, and accessibility and the advantages of using this program.

 

Furthermore, they talk about her company Effet Papillon, the importance of relationships, options that could benefit investors in terms of pricing, and other ways to invest. Tune in!

 

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Learn how to invest in mortgages with Nathan Turner!

Nathan Turner aka The canadian note guy is holding a training on june 3rd and 4th to teach you how to start investing in mortgage notes. This training focuses on the theory of what to buy where and also how to structure it for Canadians buying in the US. If you are interested in another way of passively investing in RE, please visit http://www.canadiannoteguy.com/events-info.html for all the information about his program.  

 

Who is Stephanie Kowalew?

Stephanie Kowalew holds a Bachelor of Business Administration Degree, Major in Finance, from Concordia University and is a licensed mortgage broker in Quebec. 

She is currently a Commercial Mortgage Broker with Effet papillon financement.

 

Mentioned resources:

MLI Select Program

Equitable Bank

CMLS Financing

Nathan Turner’s upcoming NOTES INVESTING training

 

Connect with Stephanie Kowalew: 

Linkedin

Effet Papillon

 

Connect with Axel Monsaingeon:

Linkedin 

Real Estate Effect Web

Facebook

Instagram

Youtube