Manning Up On Real Estate

Rick Hoogendoorn and Ralph Case ran the numbers in their recent book - a $500,000 rental house paid off entirely by tenants beats a $100,000 RRSP after 30 years... tax-free (assuming no appreciation)

Rick Hoogendoorn and Ralph Case, co-authors of the book One More House, join Cameron Manning to break down the real estate RSP, a strategy that uses one rental property instead of a registered retirement plan. They cover leverage, inflation, why the current market dip is a buying window, and how to structure a joint venture even without capital.

Key takeaways:

- A rental property paid off by tenants can beat a traditional RRSP, even with zero appreciation

- The Canadian dollar has lost about 95 percent of its purchasing power since 1915, which is a big reason real estate values climb

- Leverage is the real advantage real estate has over other investments

- Don't over-leverage as you get closer to retirement age

- Find your joint venture partners before you find the deal, not after

Timestamps:

(00:00) Meet Rick Hoogendoorn and Ralph Case, co-authors of One More House

(00:57) The vision behind One More House

(02:00) Ralph's childhood story, how one house saved his family

(03:00) Rick's lawn mowing story and getting into real estate

(04:29) Money as a battery, 95 percent of the Canadian dollar's value gone

(06:19) Why real estate really goes up, it's not the house

(07:19) The Real Estate RSP explained

(08:00) RRSP vs Real Estate RSP, the full math breakdown

(10:15) Why the current market dip is a buying opportunity

(13:13) Why we panic when real estate goes on sale

(16:40) Leverage, the difference real estate has over an RRSP

(18:41) Building a portfolio without over-leveraging

(21:51) A joint venture partner's real story, mortgage-free and traveling

(26:10) Should you wait for interest rates to drop

(30:20) Is it too risky to keep investing at 65

(32:15) How to mitigate investment risk

(34:00) The biggest fear new investors have, dealing with tenants

(37:33) Property management, hire it out or do it yourself

(39:36) Real estate vs precious metals

(44:00) How to joint venture with no capital

(49:21) Rick's strategy, find partners before you find the deal

(51:49) The first action to take after this episode

About the guests:

Rick Hoogendoorn is a real estate investor, rental apartment developer, and international speaker with a background in insurance and financial planning. He is the co-author of One More House.

Ralph Case is a seasoned real estate investor, educator, and the president and managing broker of Jurock Case Investment Realty. He is the former president of the Real Estate Action Group in Greater Vancouver and co-author of One More House.

This episode is for educational purposes only and isn't financial, legal, or investment advice. Talk to a licensed professional about your specific situation before making any investment decisions.

Get a copy of One More House at onemorehouse.ca

This episode is brought to you by Descript, the tool I use to edit every episode of this show. Get 50% off your first two months of the Creator Plan: https://descript.cello.so/iDcb8kT8jf2

Also mentioned in this episode: ManyChat, the tool I use to automate comment-to-DM on my social content. Get your first month of Pro free: https://manychat.partnerlinks.io/udh39tualvk1-ogcg6e

Links:

Book a call: https://calendly.com/cameronmanning/youtube-booking

My tools and gear: https://amazon.ca/shop/cameronemanning

All My Socials: https://hoo.be/cameronemanning

If this episode helped you think differently about your first or next property, follow the show and leave a rating and review. It helps more people find these conversations.

Cameron Manning is a REALTOR with the Kelly Fry Team at Keller Williams Bold Realty. Cameron Manning Personal Real Estate Corporation.

Motivation runs out by Tuesday. Discipline built on who you are does not. That is the whole conversation.

Pauly Domenech is a mindset and performance coach with Glover U who sold 100+ homes a year for seven years. In this episode we get into the real estate agent mindset behind that number: why motivation is fleeting, how discipline actually comes from identity and character, the morning routine that runs his day, and the listing audit that moved his team from $400K to $4.3M in GCI in one month. Then he tells the story of going through a minivan windshield training for his first Ironman, and finishing the race 28 days later.

IN THIS EPISODE- Why motivation is fleeting and discipline comes from character- The sneaky sheets and the night-before routine that runs his day- The listing audit that went from $400K to $4.3M in one month- Leading the man in the mirror first- The bike crash, the Ironman 28 days later, and "because you can, you must"

KEY TAKEAWAYS- Discipline is not a long grind. It is one decision made in the moment, over and over.- Reverse-engineer your bedtime from your morning. Subtract what wastes your evening instead of adding willpower.- Audit your listings. Have the price-reduction conversation or let the listing go. Get the no to no.- You have no right to lead anyone until you can lead the person in the mirror.- If you can do the hard thing, you must.

ABOUT PAULYPaul "Pauly" Domenech is a mindset and performance coach with Glover U, based in Destin, Florida. Seven years as a top-producing agent averaging 100+ transactions a year and over $1M in GCI. Brazilian jujitsu world and Pan American champion, 5-0 professional fighter, and Ironman.

Documentary: https://youtu.be/hwTALIHr-w0Website: https://itpauly.comInstagram: https://instagram.com/pauldomenechGlover U: https://gloveru.com

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RESOURCES & LINKS:

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• If you are thinking of Buying or Selling, book a 15 minute call: ⁠⁠⁠https://calendly.com/cameronmanning/15min⁠⁠⁠

📺 Watch this episode on YouTube:

https://www.youtube.com/watch?v=lPMAIbtec5g

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About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

Nearly 200 Greater Vancouver agents just lost their brokerage overnight. In this emergency episode, we break down the reality behind the sudden closure of Keller Williams Ocean Realty, and who and what is rising to support the agents here!

Enjoyed this episode? Leave a review and share it with an agent who needs to hear this.

RESOURCES & LINKS:

• 50% OFF DESCRIPT: Edit your video and audio like a pro (2 months at 50% off): ⁠⁠https://descript.cello.so/iDcb8kT8jf2⁠⁠

• If you are thinking of Buying or Selling, book a 15 minute call: ⁠⁠⁠https://calendly.com/cameronmanning/15min⁠⁠⁠

📺 Watch this episode on YouTube: https://youtu.be/RwI5OLaTbcc?si=zj2Es3yQVF6sD_SU

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

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About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

Most real estate agents are using AI the same way — writing listing descriptions and searching for answers. That's barely scratching the surface.

In this episode I sit down with Scott Tolar — active agent, former broker owner, Glover U coach, and one of the most committed AI advocates in the real estate space. Scott has logged over 7,000 one-on-one coaching conversations with agents and has been leading the AI conversation at conferences long before it became the main points from stage.

We get into the real actionable tactics in this episode. How to use AI to actually run your business, buy back your time, and deliver a better client experience. Scott shares the exact tools and workflows he's using right now — including how he analyzed 17 offers in 3 minutes using Gemini.

What we cover:

• The 4 main AI platforms and how to use each one differently
• How Otter AI in every appointment makes you a better agent overnight
• Building AI agents that work for you 24/7 in the background
• How to get better outputs — stop prompting AI like a search engine
• Scott's live case study: 17 offers analyzed, ranked, and spreadsheet-ready in 3 minutes

If you're still on the fence about AI or using it but not getting real value out of it, this one is worth your full attention.

Connect with Scott Tolar:scotttolar.com/links

Enjoyed this episode? Leave a review and share it with an agent who needs to hear this.

RESOURCES & LINKS:

• 50% OFF DESCRIPT: Edit your video and audio like a pro (2 months at 50% off): ⁠https://descript.cello.so/iDcb8kT8jf2⁠

• If you are thinking of Buying or Selling, book a 15 minute call: ⁠⁠https://calendly.com/cameronmanning/15min⁠⁠

📺 Watch this episode on YouTube: https://youtu.be/j5CEps0q8QM?si=giSpN6YJw56hEPfP

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

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🔗 All Cameron’s links & socials:⁠⁠⁠⁠⁠⁠⁠ https://hoo.be/cameronemanning⁠⁠⁠⁠⁠⁠⁠

About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

The "Field of Dreams" strategy—if you build it, they will come—is a $67,000 lie.

In this episode of Manning Up on Real Estate, Real Estate Coach Debbie Balfour joins Cameron Manning to share the hard truth about raising capital. Debbie reveals the exact moment she had to walk away from a massive $6M project and lose $67k in due diligence because she lacked the one thing every successful investor needs: a system for credibility.

Inside this episode:

• The "Instant Expert" Trap: Why faking it kills your trust with serious partners.

• Beyond ROI: Why investors choose people over numbers every single time.

• The 2-Year Rule: How to build a pipeline of investors who are ready to say "Yes" before you even have a deal.

• Social Media Secrets: Transitioning from "Social Media" to "Interest Media" to find JV capital.

RESOURCES & LINKS:

• 50% OFF DESCRIPT: Edit your video and audio like a pro (2 months at 50% off): https://descript.cello.so/iDcb8kT8jf2

• FREE INVESTOR GUIDE: Join the Real Estate Investor Success Hub for Debbie’s "5 Fastest Ways To Fund Your Next Project": https://www.facebook.com/groups/reiinvestorsuccesshub

• If you are thinking of Buying or Selling, book a 15 minute call: ⁠https://calendly.com/cameronmanning/15min⁠

📺 Watch this episode on YouTube: https://youtu.be/IJt6z0Oeqc4?si=hXp7pAUmkXXKgMtN

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

▶️ 1-Click Subscribe on YouTube: ⁠⁠⁠⁠⁠⁠https://www.youtube.com/@manninguponrealestate?sub_confirmation=1⁠⁠⁠⁠⁠⁠

🔗 All Cameron’s links & socials:⁠⁠⁠⁠⁠⁠ https://hoo.be/cameronemanning⁠⁠⁠⁠⁠⁠

About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

In this Episode, I joined Debbie Balfour on the Let’s Talk Real Estate Investing Podcast to break down why influence is the new leverage for investors—especially if you want to grow your portfolio using other people’s money.

We get practical: how to use social media the way top agents and mortgage brokers do—build trust, communicate your strategy, and attract capital partners and opportunities without feeling salesy.

Check Out Debbies Podcast: CLICK HERE

Get 50% off Descript for 2 months on the Creator Monthly Plan: https://descript.cello.so/iDcb8kT8jf2

If you are thinking of Buying or Selling, book a 15 minute call: https://calendly.com/cameronmanning/15min

📺 Watch this episode on YouTube: https://youtu.be/s4okWgUrgy4?si=jKflm4_ep2AbJABY

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

▶️ 1-Click Subscribe on YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/@manninguponrealestate?sub_confirmation=1⁠⁠⁠⁠⁠

🔗 All Cameron’s links & socials:⁠⁠⁠⁠⁠ https://hoo.be/cameronemanning⁠⁠⁠⁠⁠

About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

It’s 2026 and the market is shifting rapidly. In today's episode Cameron is joined by Kelly Fry to break down what buyers, sellers, and investors need to know right now:

* why it’s a buyer’s market in many pockets

*the biggest mistakes buyers make (lowballing + “what if” paralysis)

*why waiting for spring can hurt sellers,

* & sooo much more!

This is a full 2026 market deep dive, so you can be fully prepared for what is to come in the coming year!

Get 50% off Descript for 2 months on the Creator Monthly Plan: https://descript.cello.so/iDcb8kT8jf2

If you are thinking of Buying or Selling, book a 15 minute call: https://calendly.com/cameronmanning/15min

📺 Watch this episode on YouTube: https://youtu.be/gSqTGUDjfco?si=S_bYEIIaT3XUrnVT

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

▶️ 1-Click Subscribe on YouTube: ⁠⁠⁠⁠https://www.youtube.com/@manninguponrealestate?sub_confirmation=1⁠⁠⁠⁠

🔗 All Cameron’s links & socials:⁠⁠⁠⁠ https://hoo.be/cameronemanning⁠⁠⁠⁠

About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

After 10 years selling real estate in Greater Vancouver, I’m sharing the BIGGEST lesson I’ve learned as a Real Estate Agent—and how it can save you years of trial and error.

In this episode, I walk through the real stories behind my wins and mistakes, and the mindset shifts that changed my business. Take these lessons to heart and you could shortcut your growth, avoid costly errors, and set yourself up for a long-term career in real estate.

Get 50% off Descript for 2 months on the Creator Monthly Plan: https://descript.cello.so/iDcb8kT8jf2

Here are the 2 books I recommended in this Episode:Sell It Like Serhant: https://amzn.to/4aaaKGUInfinite Game: https://amzn.to/4q1YY64I have a list of other books you should check out as well if you wanna crush it in Real Estate in 2026: https://tinyurl.com/2jac4uff

If you are thinking of Buying or Selling, book a 15 minute call: https://calendly.com/cameronmanning/15min

📺 Watch this episode on YouTube: https://youtu.be/uhERryjtZME

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

▶️ 1-Click Subscribe on YouTube: ⁠⁠⁠https://www.youtube.com/@manninguponrealestate?sub_confirmation=1⁠⁠⁠

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About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

Think your 2026 assessment is your home’s value? Think again.
In a few minutes, I explain why BC assessments lag 6–18 months behind the market, where property values are actually moving in Metro Vancouver & the Fraser Valley, and 3 Strategies to price your home to today's market so you don’t bleed equity to days-on-market.

Stay tune and if you'd like find out what your home is worth in todays market, book a 15 minute call: https://calendly.com/cameronmanning/15min

📺 Watch this episode on YouTube: https://youtu.be/82xostQsnxc

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

▶️ 1-Click Subscribe on YouTube: ⁠⁠https://www.youtube.com/@manninguponrealestate?sub_confirmation=1⁠⁠

🔗 All Cameron’s links & socials:⁠⁠ https://hoo.be/cameronemanning⁠⁠

About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.

The market’s not killing agents — their habits are.
Let’s talk about what’s really driving REALTORS® out of the business and how to fix it.

📺 Watch this episode on YouTube: https://www.youtube.com/watch?v=BVSSquDwMFc&list=PLQCAyLeG-0BIvyHF_ANp2SDMNKvufJ1qX

🎙️ Stay ahead of the market—subscribe to Manning Up On Real Estate.

▶️ 1-Click Subscribe on YouTube:⁠https://www.youtube.com/@manninguponrealestate?sub_confirmation=1⁠

🔗 All Cameron’s links & socials:⁠https://hoo.be/cameronemanning⁠

About Cameron: Top 1% REALTOR® with the Kelly Fry Team in Greater Vancouver, focused on helping real estate investors, REALTORS® & Anyone else around the Real Estate Industry, MAN UP on their Real Estate Career.