Create Wealth Faster Beyond Rentals With a $100,000 Investment Loan
Take the free scorecard to see if a $100,000 investment loan into a professionally managed segregated fund portfolio may fit your income, cash flow, risk tolerance, and long-term goals.
$100,000 Investment Loan Readiness Scorecard
Answer a few questions about your income, cash flow, and risk tolerance. Get your score instantly.
Free · No obligation · Results in 3 minutes
Who This Is For
You built wealth with real estate. The math has changed.
You already understand leverage. You used the bank's money to buy properties, and it worked. But the Ontario rental market of 2026 is not what it was in 2018. The question isn't whether to keep your rentals — it's what to do with your next $100,000.
- You own one or more rental properties in Ontario or Canada
- Your cash flow is shrinking — mortgage renewals, rising costs, and a softening market are eating your margin
- 80–100% of your net worth is concentrated in real estate
- You want to grow wealth without another tenant, another LTB hearing, or another down payment
- You are comfortable with debt when the math makes sense
- You want clarity before making your next major financial move
Sound familiar?
- 📉 "My rentals are barely breaking even. I am holding them for appreciation but the cash flow is gone."
- 🔑 "I do not want another tenant, another property manager, or another LTB nightmare."
- 🏦 "My mortgage is renewing at 5%+. The numbers do not work the way they used to."
- 💡 "I know I need to diversify but I do not know what the right move actually is."
- ⏱️ "I want my money working harder without more of my time going with it."
How It Works
Three steps from where you are to where you want to be
Take the Scorecard
A free 3-minute assessment that looks at your income, cash flow, debt comfort, and goals. You get a readiness score instantly — no email required to start.
See Your Score
You receive a score from 0–100 with a result category: Not Ready, Potential Fit, or Strong Potential Fit — plus specific insights based on your answers.
Book a Readiness Review
If your score suggests it may be worth exploring, book a free 30-minute Readiness Review with Erwin. He will run your real numbers and tell you honestly whether this fits.
The Numbers
Same $200,000. Three strategies. 20 years.
Cherry Chan, CPA, CA ran the real math on three wealth-building strategies. The assumptions are honest — 20-year historical averages including 2008, 2020, and 2022.
| Strategy | After 10 Years | After 20 Years | Tenants? | Margin Calls? | $100K Investment Loan |
|---|---|---|---|---|---|
| Mutual Funds — S&P 500 Index | $457K | $1.15M | None | None | — |
| Real Estate — 5% appreciation | $627K | $1.40M | Yes | None | — |
| Real Estate — 3% appreciation | $477K | $951K | Yes | None | — |
| $100K Investment Loan Strategy | $923K | $2.96M | None | None | Wins by 2× |
S&P 500 at 11%/yr (20-year historical average, 2006–2025, dividends reinvested). Investment loan: $600,000 at prime + 0.75%, interest tax-deductible at 50% marginal rate, 1.5% management fee on seg fund portfolio. Net of loan repayment, capital gains tax, and after-tax interest costs. Past performance does not guarantee future results. Borrowing to invest is not appropriate for everyone.
Life Insurance Agent, Open Concept Financial Group
Realtor, Rock Star Real Estate Brokerage Inc.
I spent 15 years telling people real estate was the answer. Then I quietly changed my own strategy.
Cherry, CPA, CA, and I still own rental properties. We are not selling everything. But we have been slowly stepping back from the Ontario market as tenants turn over — and redeploying that capital into a second leverage engine that earns without the operational headaches.
The $100,000 investment loan is the entry point we use with clients. It is the same principle as a rental — borrow, invest, deduct the interest, let it compound — applied to a professionally managed portfolio instead of a property. No tenants. No repairs. No Landlord Tribunal.
If you are a Canadian real estate investor wondering what your next move should be, the scorecard is the fastest way to get clarity.
Take the Free Scorecard →What Clients Say
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Free Monthly Events
Join Erwin live. Learn the strategy. Ask every question.
Every month, Erwin hosts a free 90-minute session walking through the $100,000 investment loan strategy — the math, the real risk, and live Q&A. No pitch. No pressure. Just the numbers and honest answers.
Find out if a $100,000 Investment Loan may be your next wealth move
Takes 3 minutes. You get a score, a result category, and a clear sense of whether this conversation is worth having. No obligation.
For informational purposes only. Borrowing to invest is not appropriate for everyone. This is not a guarantee of investment performance or loan approval. Based on income, cash flow, risk tolerance, and goals. Speak with a qualified advisor before making any financial decision. Past performance does not guarantee future results.
