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Ever driven past a run-down lot or a half-collapsed house and thought…“What a waste of space”?

Well, what if that “mess” is actually a goldmine?

In this episode of the Savvy Investor Podcast, host Michael Ponte sits down with Paul Szkuc, founder of Proximity Properties, to unpack one of the most underrated strategies in real estate right now: Missing Middle Development.

We’re talking about purpose-built rentals — duplexes, triplexes, fourplexes, even 6 or 8-plexes — that are perfectly sized for existing neighborhoods. They’re not massive towers, and they’re not single-family flips. These projects fill the gap that most investors ignore... and they’re gaining serious traction in today’s tight housing market.

Inside the episode:

• What exactly the “Missing Middle” is — and why it’s making a comeback
• How Paul finds and transforms overlooked lots into profitable, modern rentals
• The full development process from teardown to turnkey
• Smart ways to structure CMHC financing to reduce risk and boost ROI
• Real-world advice on suite mix, tenant retention, and long-term cash flow
• What to actually expect when refinancing — and how to time it right
• Mistakes to avoid when building smaller multi-family projects

Paul shares the real, unfiltered truth about what it takes to succeed in this space. No fluff, no hype — just experience-backed strategies that work in today’s market.

If you’re tired of chasing cash flow in overcrowded markets or you’re ready to scale without taking on massive builds, this episode is a must-listen.

Follow Paul on Instagram: https://www.instagram.com/proximityproperties/

Learn more about our Trusted Partner - SingleKey

Used by more than 150,000 homeowners across the U.S. and Canada, SingleKey is a digital platform that helps property owners make more informed decisions when selecting tenants and managing their risk. Their tenant screening service, automated rent collection tool, and Rent Guarantee Program bring trust, transparency, and accountability into the rental process, allowing homeowners, renters, property managers, and realtors to rent risk free.

Stop guessing with tenants. SingleKey’s got the tools: Screening, automated rent, and a Rent Guarantee. Used by 150,000+ landlords. Don’t risk it. Get SingleKey.
Use promo code SAVVY10OFF or use the link below to login into your SingleKey account or create a new account. Savvy members are entitled to an exclusive recurring 10% discount on all single credit bureau reports regularly priced at $29.99.

Would you like to learn more? Visit:
https://thesavvyinvestor.ca/singlekey

Savvy Investor Links:

Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our Savvy Squad Community for 14 Days Absolutely FREE! https://thesavvyinvestor.ca/join

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

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It’s getting harder to make the numbers work in real estate right now. Rents are tight, interest rates are up, and traditional rentals just aren’t cutting it for a lot of investors.

That’s why this episode of the Savvy Investor Podcast is a must-listen. Host Michael Ponte sits down with Trang Tran, who’s putting a creative spin on the classic BRRRR method — by mixing it with short-term rentals. She calls it the Air B and BRRRR strategy… and it’s a game changer.

Trang’s taking tired, underperforming properties, fixing them up with Airbnb in mind, pulling most of her money out through a refi, and ending up with high-cash-flow rentals that actually work in today’s market.

We get into:

• How she finds deals that fit this hybrid model
• The design moves that get her top-dollar bookings
• Her exact numbers on cash flow and refi
• How she handles the guest side without being glued to her phone
• What to watch for with new short-term rental rules

If you’ve been stuck looking for better returns or wondering how to stretch your capital further, this is the kind of episode that’ll get the wheels turning.

Follow Trang on Instagram: https://www.instagram.com/empowher_investments/

Learn More About Our Trusted Partner- FrontLobby

FrontLobby is a platform designed for Landlords, Property Managers, and Renters. Our mission is to improve the rental industry for everyone. We believe in creating a win-win scenario where Housing Providers and Renters prosper.

Would you like to learn more? Visit:
https://thesavvyinvestor.ca/front-lobby

Savvy Investor Links:
Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our FREE Savvy Investor Facebook Community: https://www.facebook.com/groups/341243106757064

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

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Building wealth sounds amazing… until you’re juggling a full-time job, raising kids, keeping up with the chaos of everyday life, and trying to figure out how real estate fits into it all.

In this episode of the Savvy Investor Podcast, host Michael Ponte chats with Fritz Villegas — a full-time nurse, mom of twins, and powerhouse real estate investor. Fritz isn’t just building a portfolio… she’s doing it on her terms, with purpose and balance.

We’re talking:

• How she bought her first rental while raising a family and working shifts
• The systems she uses to keep things running (without losing her mind)
• Choosing properties that fit her life, not just the spreadsheets
• What success looks like beyond the door count
• And how to stay focused on why you started in the first place

This one’s packed with real talk, smart strategies, and a lot of heart. If you’ve ever wondered how to grow your wealth without burning out, this one’s for you.

Follow Fritz on Instagram: https://www.instagram.com/fritzvillegas/

Learn More About Our Trusted Partner - Equiton

Proudly Canadian-owned and operated, Equiton is a leading private equity firm that delivers notable returns for investors. We believe in making private real estate investing accessible to all Canadians and providing easy access to all types of investment-grade real estate through our proven high-performing investment solutions.

We offer true diversification, full transparency, and all the benefits of real estate investing without the difficulties of financing, tenant management, building maintenance or project management.

Would you like to learn more? Visit:
https://thesavvyinvestor.ca/equiton

Savvy Investor Links:
Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our Savvy Investor community: https://www.facebook.com/groups/thesavvyinvestor

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

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Ever wondered how to turn those empty lots or underused spaces in neighborhoods into profitable multi-family projects? In this episode, we discussed into the world of infill development — a smart, approachable way to get into real estate development without the overwhelm.

Join us as we chat with Ali Nazarian from EcoLux Developments, who shares his practical insights on spotting the right lots, city permits and zoning, planning your finances, and avoiding common pitfalls.

Whether you're a new investor or someone curious about how to make the most of existing neighborhoods, this episode is packed with tips to help you see the potential in overlooked spaces and approach development with confidence.

What You’ll Learn:

• How to identify promising lots for infill projects
• The ins and outs of working with local zoning and permits
• Strategies for planning your project’s budget and financing options
• Real-world tips for managing timelines and contingencies
• How to turn underused land into your next investment opportunity
• & more

Follow Ali on Instagram: https://www.instagram.com/ecoluxdevelopments/

Learn More About Our Trusted Partner- Mogul Realty Group

The Mogul Team has strong roots in both Edmonton, Alberta and Vancouver, British Columbia. Collectively the team owns well over 500 doors worth of investment Real Estate in both cities. We walk the investor walk and that passion for investing has led us to serve investors across Western Canada.

Would you like to learn more? Visit:
https://thesavvyinvestor.ca/mogul-realty-group

Savvy Investor Links:

Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our FREE Savvy Investor Facebook Community: https://www.facebook.com/groups/341243106757064

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

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In this episode, host Michael is joined by Jenn Delle Fave, a former English teacher turned full-time real estate investor. Broadcasting from sunny Florida, Jen shares her expertise in creative financing, specifically lease options and rent-to-own strategies.

Episode Highlights:

• Jenn started investing in real estate during the 2008 crash using the BRRRR method.
• Why pivoting to creative financing was necessary after traditional bank lending became a barrier.
• How utilizing lease options, seller financing, and mortgage takeovers to scale her portfolio.
• Why tenant responsibility and upfront capital through non-refundable option deposits.
• Why you should screen tenants based on financial readiness and homeownership goals.
• Why you should adjust rents and option prices annually to align with market conditions.
• & more!

Key Takeaway:
Persistence and focus are essential. Jen encourages investors to “avoid shiny object syndrome” and keep refining their tools and strategies.

Follow Jenn on Instagram: https://www.instagram.com/creativefinanceplaybook/

Learn More About Our Trusted Partner- Barr LLP

Barr LLP is a full service law firm based in the Province of Alberta with a broad range of practice areas to assist all clients. Their Commercial and Residential Real Estate and Finance team helps new and experienced clients navigate the world of real estate investing in an easy and open manner.

Would you like to learn more about Barr LLP or get in touch with them? Visit: https://thesavvyinvestor.ca/barr-llp

Savvy Investor Links:

Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our FREE Savvy Investor Facebook Community: https://www.facebook.com/groups/341243106757064

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

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In this episode, Kevin Choe, a young entrepreneur, joins us to share his journey from selling gummy bears to completing over 100 real estate transactions by age 19. Now at 24, he dives into creative financing and inspires a new generation of entrepreneurs.

Key topics:

• Kevin's Background: Started with candy sales in high school, then transitioned to another business before into entering real estate
• Real Estate Journey: Used strategies like wholesaling and subject-to deals for around 190 transactions, focusing on unique approaches like seller finance and sub2.
• Creative Financing Explained: Taking over mortgage payments without ownership transfer.
• Seller Finance: Buying properties directly from sellers without traditional loans.
• Challenges & Strategies: Overcoming skepticism with transparency and utilized social media for credibility and organic deal flow.
• & more!

Follow Kevin on Social Media: https://www.instagram.com/thekevinchoe/

Learn More About Our Trusted Partner- Ellements Group

Ellements Group offers real estate investors like you the peace of mind that comes from their insightful, full-team approach to financial coaching, holistic financial planning and managing your entire financial picture, not just your portfolio.

Would you like to learn more? Visit:
https://thesavvyinvestor.ca/ellements-financial-group

Savvy Investor Links:

Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our Savvy Squad Community for 30 Days Absolutely FREE!
https://thesavvyinvestor.ca/join

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

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Welcome to another episode of the Savvy Investor Podcast! Today we are joined with Natasha Phipps and Andrea Tessier from Calgary's Phipp’s Real Estate Group, discussing effective collaboration with investor-focused real estate agents in Alberta's flourishing market.

Key Topics Discussed:

• Understanding Investor-Focused Agents
  • Distinctions between conventional and investor-focused agents.
  • Significance of expertise in real estate investing for optimal client service.
• Building Relationships & Communication
  • Tips for investors to create trust and communicate efficiently.
  • Importance of transparency about goals, financial readiness, and investment strategies.
• Common Mistakes by New Investors
  • Oversights in financing preparation prior to engaging agents.
  • Excessive reliance on agents without personal due diligence.
• & more!

Follow on Instagram: https://www.instagram.com/phippsrealestategroup and join their mailing list for updates on events such as upcoming property tours!

Learn more about Trusted Partner Phipps Real Estate Group:

Phipps Real Estate Group is based out of Calgary, Alberta and provides supportive and value driven real estate services to their clients who wish to buy, sell or invest. Their team specializes in residential & commercial real estate, as well as property management.

To get in touch visit: https://thesavvyinvestor.ca/phipps-realty/

Savvy Investor Links:

Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our Savvy Squad Community for 14 Days Absolutely FREE!
https://thesavvyinvestor.ca/join

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information

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On today’s episode, Jay Dhahan joins us to explore raising capital and expanding networks in this exciting episode. With expertise in commercial real estate development, Jay shares valuable insights on sustainable business relationships, investment psychology, and seizing opportunities globally.

Key Topics:

• Introduction & Early Beginnings: Jay's journey from Calgary to U.S. real estate success with family influences and mentorship.
• Commercial Real Estate: Transitioning from residential properties to developing strip malls.
• Cross-Border Opportunities: Insights on moving countries, market dynamics, and international networks.
• Investment Psychology: Comparing Canadian and American mindsets, and embracing risk-taking.
• Building a Network: Strategies for long-term relationships and genuine engagement.
• Raising Capital: Understanding sophisticated investor needs is critical when raising capital.
• & more!

Connect with Jay on Instagram: https://www.instagram.com/jaydhahan/

Learn More About Our Trusted Partner- Green Mortgage

Green Mortgage has been specializing in working with real estate investors since 2008. 80% of Green Mortgages’ clients are investors, and Green Mortgage has funded over $1Billion in mortgages over its lifespan.

Would you like to learn more? Visit: https://thesavvyinvestor.ca/green-mortgage-team/

Savvy Investor Links:

Website: https://thesavvyinvestor.ca
Instagram: https://www.instagram.com/savvy_investors
YouTube: https://www.youtube.com/@thesavvyinvestor

Join our Savvy Squad Community for 14 Days Absolutely FREE! https://thesavvyinvestor.ca/join

Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.