Currently spots are limited for Mo’s private consults. However spots should be opening up very soon. Keep an eye on your emails! There is a section in the blueprint at the very end that gives students an opportunity to partner with Mo Rafi and his partners directly. Typically we qualify our students for this option.

Module 1 explains in detail exactly how to bring your score back up (above the 700 mark). It’s very likely you have negative items that need to be removed off your Equifax and TransUnion credit reports. Unless this is done, its very possible your score will remain low, permanently! (We’ve seen this happen over and over again)

A lot of people are feeling the pinch right now when it comes to higher debt levels. Whether you’re a homeowner, renter, or live with family – the actual standard of living in Canada is declining. This is leading to very high debt levels. For this reason, we’ve put together our modules to help you understand your cash flow. We also go in depth on how to reduce your “cost of debt”, with something called an Interest Rate Exception Request. We’ve also compiled the exact formulas bank use in their underwriting criteria. This means you’ll see your own numbers and figure out exactly what the bank is looking for!

If you get declined, there’s an exact procedure we lay out for our students in Module 4 (The Escalation Process). Remember, banks are federally regulated financial institutions. They must follow exact guidelines and procedures. A lot of the time, the advisor or banker just didn’t want to “go the extra mile” with each and every client. This is your chance to take matters into your own hands!

We’ve had students working minimum wage jobs follow our system step by step. Once they understood how the Credit Score System works with EACH of Canada’s banks, they were able to take advantage and “orchestrate pre-approvals” using our process! It’s also important to use the pre-approvals strategically. Yes, income is important. However, we’ve had massive success with our students even with lower income applications. Your internal credit score and application process are the most important variables to consider.

Generally speaking, Private Lending is when you lend your money to professional real estate investors (in the form of savings or from your approved lines of credit you obtain from the blueprint).  You can then charge higher interest rates, and keep the difference every month. This results in a positive cash flow.  We’ve developed a model where you can use your lines of credits to facilitate private lending. This is a great investing strategy, especially if you don’t have too much in savings or want something flexible.

Mo has select students he can partner with. Due to the limited number of deals we can participate in each year, spots are limited and are generally first come first serve. We do provide however, in depth templates, legal documents and best practices to put you in the right direction in getting started in the world of private lending.

A lot of our students want to purchase property. After you’ve gotten your $100,000 approved its totally your decision how you’d like to use your funds. We offer assistance and best practices, our mortgage broker partners are also available to assist. Normally our students use a portion of the funds towards private lending. The rest can be left for a small down payment on an investment property. They can also use the funds to partner on a joint venture project. It really comes down to the individual and their investment goals.

No. As mentioned in the training, please do not apply at several banks and then AFTERWARDS try to implement the teachings in the blueprint! Remember, each credit application is a hard credit check. You also get only one shot at starting an application with a bank for the first time. If you’re going to tackle this on your own, make it count!

Interest rates in Canada will be up and down. It’s important you understand the concept of internal credit scores and how taking advantage of the current banking system is only possible for a limited time! Once you’ve obtained large lines of credits (unsecured/secured) its then a concept of getting interest rate exceptions, and using those funds to purchase property through “creative financing”. We dive deep into these concepts in the blueprint.

We go deep into these concepts on how to do a “Cash Out” refinance and how to use those funds strategically to create a cash flow. The key is to understand your goals and what target passive income you are shooting for to live your ideal lifestyle. Your focus needs to either be cash flow or appreciation.

Yes. Eventually when your employment situation is sorted, you can then apply. It also makes sense to build your banking relationships, credit history and internal credit score while you’re in between jobs, rather than starting from scratch once you have a job. Fun fact, pre-approvals can be offered when you’re unemployed or a student😉

When it comes to Business Lending, Canada’s banking system primarily looks at your personal credit score. Generally, business owners claim less in income to save on taxes. We go over these concepts in detail in the blueprint and how to maximize your approval process even as a self employed applicant!

We go over this in the blueprint, however generally if you receive interest income as a private lender you’re supposed to be issued a “T5”. There are methods to reduce your tax bill by making the interest tax deductible, more details are explained in the modules. There are methods to also use your TFSA and RSP to earn interest income (passive) through a Trust Company.

Know that piece of mind is far more valuable than money! Understand 100% what you are getting into. We dive deep into the Do’s and Don’ts of private lending for beginners. We also outline specific steps to ensure you’re covered, how to place liens on properties, and how to ensure the investor has collateral among many other topics.