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In this episode, Scott is joined by Jennifer Champion and Christine Traynor to discuss the critical advantages of working with experienced brokers who specialize in multi-family financing. The conversation highlights real-world examples of how the right expertise can save investors millions while avoiding costly mistakes that commonly occur when going direct to banks or working with inexperienced brokers.

Key Insights & Takeaways

Scott shares a compelling example of how broker expertise translates to substantial savings. An investor with a rehabbed 57-unit property initially went direct to his major bank, which offered a $13 million loan. However, when the bank discovered the property was leased to a single corporate tenant who then subletted the units, they withdrew their offer entirely.

Working with Scott's team of expert brokers resulted in:

• $16 million in financing (versus the original $13 million offer)
• Interest rates 1% lower than the bank's proposal
• Deal approval instead of complete rejection
• Proper structuring that satisfied both lenders and CMHC requirements

This single transaction demonstrates how the right broker expertise can mean the difference between a failed deal and a successful $3 million improvement in financing terms.

A shocking revelation from the episode involves a client with a large multi-family portfolio who repeatedly received conventional loans from his bank—despite the same bank offering CMHC multi-family insurance programs. The bank's conventional offerings included:

• 25-year amortization instead of 40-year options
• 75% loan-to-value instead of 85% available through CMHC
• Higher interest rates compared to CMHC-insured loans

Only when the client discovered CMHC programs through Scott's team and threatened to cancel did the bank admit they offered those products too. This raises serious questions about whether banks are taking the "easy path" rather than providing optimal solutions for their clients.

Both Jennifer and Christine are active investors themselves, providing them with firsthand understanding of portfolio growth strategies. This investor perspective offers several advantages:

Portfolio Strategy Integration: Rather than viewing each deal in isolation, they consider how each financing decision impacts the client's overall portfolio growth and cash flow optimization.

Long-term Vision: Understanding how current financing choices affect future investment opportunities and portfolio scaling potential.

CMHC Program Optimization: Strategic use of programs like MLI Select to maximize leverage and minimize costs across multiple properties.

From mid-June through the end of July 2025, Scott's team is offering a special incentive: clients who complete a pre-approval or portfolio review are entered into a raffle for a 7-8 day Caribbean cruise in February. This promotion provides an excellent opportunity for investors to get professional portfolio analysis while potentially winning a vacation.

Resources and Next Steps

• Strategy Call Booking: Book with Jennifer, Book with Christine, Book with Scott.
• Portfolio Review Services: Comprehensive analysis of c

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