Erwin Szeto

The Truth About Financial Independence for Canadians

Business EN ↓ 414 episodes

Are you a Canadian real estate investor looking for real Canadian Content? You've found it! Since 2016, this weekly show has helped Canadians cut through the BS and uncover the truth about how to most effectively invest in real estate. Ranked as high as #81 globally in iTunes' Business category, host Erwin Szeto is a real estate investor and 4X Investor Realtor of the Year, with just under $500M in income property transactions. Erwin interviews top investors and wealth builders, sharing strategies that worked and didn't work. This is your blueprint for long-term wealth through real estate.

Author

Erwin Szeto

Category

Business

Latest episode

Jul 6, 2026

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Episodes

From Burnout, Heart Attack at 38 to 200 Doors & Financial Freedom & Top Coach 05.03.2025

On to this week’s show!  This week we have an amazing guest who’s been on a bumpy path. I’ve known Ryan Carr for quite some time but when I attended Truth Your Talent’s Awards Gala, the coach who had the most award winners and thank yous was Ryan hence I invited Ryan Carr onto the show which he gracefully accepted. From household $400k income, Corporate Burnout to 200 door real estate portfolio an...

$35K in Tenant Arrears: Solving Landlord Woes with OpenRoom 12.02.2025

On to this week’s guest! I’m thrilled to introduce Wei Ting, an unstoppable entrepreneur, speaker, and innovator reshaping the rental landscape in Ontario with plans to expand across Canada. After losing over $35K to non-paying tenants and spending countless hours navigating Ontario’s complex rental compliance laws, Wei Ting decided enough was enough. She co-founded Openroom, a bold step toward bu...

"From Rent To Ruin" With Kevin Costain 06.02.2025

On to this week’s guest, Kevin Costain is the poster boy for reform being needed in Ontario and he’s doing something about it as the new Chair of SOLO: Small Ownership Landlords of Ontario.  He’s fighting for the small everyday investor like I do. He is the author of the book “Rent To Ruin” where he documents his ordeal with his tormentor: the tenant living in Kevin’s house. It is an all too commo...

From School Teacher to Real Estate Chief Education Officer & 580 Doors With Quentin D’Souza 30.01.2025

On to this week’s show! We have my old friend Quentin D’Souza returning to the show at my request as I need a trustworthy real estate expert to share with you the listener about the multi family market who’s not going to sugar coat how tough the last few years have been and what and where the opportunity is going forward. Quentin is going to share his journey, how he does hard things and involves...

Ontario Rental Market Update w/ Rent Panda 16.01.2025

On to this week’s guest! Again, Hart is a friend, I refer him clients all the time for tenant location services.  This may sound like a paid endorsement and full disclosure, Hart Pays me nothing. We receive zero compensation for me having Hart on this show and sending him referrals.  It’s too bad we’re selling the rest of our Ontario portfolio in the near future so I could have asked him for favou...

Surviving & Thriving: Cory's 20-Year Journey from Rock Bottom to Real Estate Success 02.01.2025

Cory is a 20 year investor who's been through rough times back in the financial crisis, from Toronto he was investing on the wrong side of the tracks in London, Ontario, sleeping inside the renovation project as he didn’t have funds for trades and to cut down on his commute from Toronto. Fast forward to today, Cory’s been a full time investor for 2.5 years specializing in BRRRR investments, suitin...

Democratizing Real Estate Investing With Addy’s Stephen Jagger 16.12.2024

Please welcome co-founder of Addy Stephen Jagger, I’m excited to have him, if you haven’t heard of Addy before, it’ll blow your mind.  If you have, the advancements in deal offerings, technology will surprise you along with one of their investment vendors who went belly up. Oh yeah, this is the truth about real estate investing show so when deals go sideways, I’m going to ask about them, Stephen,...

7 Figure, 20yr Appraiser From BC, To Real Estate Developer in Edm with Christine Traynor 02.12.2024

In this episode, we sit down with Christine Traynor, from Victoria, BC, a seasoned real estate professional who has navigated the industry from multiple angles.  She started as a paralegal in mortgage enforcement/foreclosures, became an appraiser in 2002, worked in for a high end real estate developer then buying a real estate appraisal firm, buying two more with creative financing and in 2024, so...

$1M Losses, NEW Federal Gov't Lending For Developers w/ Pierre Paul Turgeon 22.11.2024

Now for those of you with deeper pockets and want to be developers closer to home, we have my old friend Pierre Paul Turgeon returning to the show.  A former industry insider as an underwriter at the CMHC, active investor, and real estate expert in the apartment building space, who has analyzed 100s of large, lucrative multifamily investment deals all over Canada. As a good Canadian, Pierre Paul w...

Trump win, How a 33 Year Old Mechanic from Montreal a executed a BRRRR in Memphis, TN 13.11.2024

This week we have an everyday, blue collar Canadian, 33 year old Shayne from Montreal who just bought his first investment property and he has executed a BRRRR in suburban Memphis, Tennessee. The ARV is substantially higher than projected, rent came in almost 10% higher. Shayne is the youngest client of mine by far for years and years so I’m of course excited to have been part of Shayne’s journey...

Developing Healthcare & Senior Living Facilities w/ Dr. Wing Lim 30.10.2024

Today’s guest is Dr. Wing Lim, a true renaissance man - a dedicated medical professional and serial entrepreneur who has built an impressive portfolio of healthcare facilities and senior living communities. For over 30 years, he has balanced a thriving family medicine practice with innovative real estate ventures. Dr. Lim's impact extends far beyond the medical field. He has spearheaded the creati...

Why a Top Business/Stock Valuator Is Investing in Real Estate with Adam Johnson, CPA, CA, CBV, CFA 24.10.2024

Today’s guest is my good friend and past client, Adam Johnson, CPA, CA, CBV, CFA—who, at the time, was my youngest client and didn’t have as many letters behind his name. Adam’s not your average CPA. He’s also a Chartered Business Valuator CBV and Chartered Financial Analyst CFA, making him one of less than 100 people in Canada with all three designations. He even ranked #1 in the country on his C...

Slow and Steady Wins the Race & Achieving Financial Freedom With Tim Tsai 10.10.2024

We have the co-founder of Trust Your Talent, Tim Tsai returning to the show after a two year hiatus from the show. Tim’s members include 150 who have achieved some level of financial freedom, including the first level which is to have one’s monthly expenses covered by the cash flow from their investments. That’s a lot of people Tim and co-founder Rey have directly coached and mentored but he’s not...

50+ Short Term Rentals Part 2 With Spencer & Ashley 30.09.2024

On to this week’s show, a topic I’m a big fan of, avoiding long-term rentals in tenant friendly provinces like Ontario hence we have Spencer and Ashley Giles back for round 2. If you didn’t already know, vacation rentals are a business, 24-7 for some like Airbnb managers like Spencer and Ashley Giles who are back to share more, dig deeper into the strategy including operating and owning in the USA...

Building Systems, Packing Up, Moving from BC To Ohio with Meghan Hubner 19.09.2024

Our guest  Meghan Hubner is a real estate business consultant who helps investors run their portfolios like a business. After a 12-year career in medical and pharmaceutical sales, Meghan transitioned to entrepreneurship, using her degree in entrepreneurship to work with various businesses. About 4 years ago, she started focusing on real estate investors, helping them with accounting, finance, oper...

Building Resilience: From 100+ Unit Investment Portfolio to Active Business with Elizabeth Kelly 10.09.2024

On to this week’s guest! Award-Winning Real Estate Investor, Coach, Speaker, Educator & Proud Entrepreneur, my old friend Elizabeth Kelly who tells it like it is.  Elizabeth shares about her wins and losses in real estate.  She’s been an active leader in the community for nearly 20 years and is here to tell us about how we Canadian real estate investors can be resilient, what she sees for our coll...

12 Apt Buildings, Selling ONT, Buying AB&USA With Mike Beer 23.08.2024

Mike Beer is is an owner of a real state investment company Mike Beer Investments. They have developed an investing system that has been working for well over a decade and invest in apartment buildings in Canada. His mission is to enable each of his investors to provide their families with the financial future they truly deserve. In the past he was a professional ski instructor and scuba divemaste...

College Instructor Invests in Real Estate: Duplexes, ABNB, 11 Plex 15.08.2024

We have a college instructor on this week’s show! Brian Gordon is an old friend of mine from years ago, he works full time for the largest appraisal company in Canada, if not North America in Management.  Prior to that he worked as a Senior Property Tax Analyst for one of Canada’s largest REITs, if not the biggest.   Linkedin: https://www.linkedin.com/in/brigor/   Brian has been methodically growi...

20 Years of Investing: Duplexes, to Apartment Buildings, Now A REIT with Amanda & Marty Gordon 06.08.2024

We have my friends returning to the show, Marty and Amanda who’ve been renovating and investing for nearly 20 years, Amanda Bouck has managed properties for nearly 20 years, Marty her husband is a carpenter by trade and personally much of their 15+ duplex conversions in Guelph.  They are a power couple: they get numbers, execution, cash flow and hate vacancy. They drank the same Kool Aid I did. Th...

Insights on Portfolio Health, AI Integration, and U.S. Investment Opportunities 26.07.2024

Greetings my fellow investors and truth seekers, this is the Truth About Real Estate Investing Show for Canadians and if you’re addicted to social media like I am, there’s not a lot of good news within our community.  It’s not all bad, we just had Kelly Caldwell, Victoria Cluney, and Milena Simsic. Spencer and Ashley with their AirBnbs, Zac Killem whose company Front Lobby will thrive.  In general...

Converting a Dozen+ Houses Into Triplexes with Kelly Caldwell 22.07.2024

This week’s guest is the lovely Kelly Caldwell, who has converted over a dozen single family houses for basement suites AND garden suites. Together with husband Jeff Caldwell, they’ve become leaders in their community, Collingwood, ON filling in the missing middle working closely with local government as such they were invited to be a part of a new HGTV inspired series called Home Suite Home where...

Pitching & Building Tiny Homes on Dragon’s Den With Victoria Cluney 10.07.2024

Real estate development for it’s lack of long term tenants makes more sense which is a great segway for this week’s guest Victoria Cluney fresh off recording a show on Dragon’s Den to pitch her Tiny Home community and manufacturing of tiny houses!!  Victoria is under a hush agreement about what happens on her episode but will share her experience auditioning, getting called back and pitching to th...

Managing Six Figure AirBnbs in Canada & USA With Spencer & Ashley 25.06.2024

 On to this week’s show, as always, we try to focus on cash flow the young, lovely couple Spencer and Ashley Giles are Niagara- based real estate investors with a shared love of travel (they are literally vacationing in Nashville, TN right now, hopefully they find an AirBNB investment there as I hear Nashville is awesome), fitness, and dogs. They started investing in 2018 and have since expanded t...

Navigating Legal Structures and Taxes: A How To for Canadians Investing in the US with Carmen Da Silva, Tax Specialist, CPA in both USA&CAN, CFO of SHARE 19.06.2024

We have a special guest today who we squeezed in before her return home to Tampa Bay, FLA to warm weather, pickleball year round, fruit trees in her backyard. The reasons are obvious why Canadians love Florida. Carmen is a Canadian living in Florida, she’s Chartered Professional Accountant Tax Specialist in both Canada and the USA. She owns 70 income properties in the USA, her 24 year old son even...

From International Student to Stock Option Investment Coach and USA Apartments With Cody Yeh 12.06.2024

Cody Yeh arrived in Canada at the age of 18 on a student visa, initially lacking knowledge in income and wealth creation. Over the past 11 years, Cody has undergone a significant transformation, evolving from a student to a full-time project manager, and eventually to a financial coach, real estate investor, and stock options investor. The skills he acquired during this period enabled him to leave...

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