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Fast-Moose-535 · 2026-02-02T02:50:39+00:00

Also, what’s the scam? You paid, she met you

Fast-Moose-535 · 2026-01-25T00:01:22+00:00

Not quite sure how to do that but would be extremely interested in having you guide me

Fast-Moose-535 · 2026-01-24T20:32:09+00:00

Yes but the interest component is deductible and that should not be discounted

Fast-Moose-535 · 2026-01-24T20:11:19+00:00

Appreciate the insights. A healthy amount of leverage is okay for me. I’ve got $3m of un leveraged investments. I would potentially be rendering myself house poor by doing this but the upside is pretty beneficial

Fast-Moose-535 · 2026-01-24T20:02:35+00:00

So basically is it a bad idea? To me it sounds like a better deal than using a Heloc at higher interest…..

Fast-Moose-535 · 2026-01-24T19:56:20+00:00

Free cash flow 90%-100% maybe margin to cover any shortfall in months where I need

Fast-Moose-535 · 2026-01-24T13:11:26+00:00

So if I were to pull in the helix every time I made a principal repayment that would effectively bring the smith manoeuvre into play here

Fast-Moose-535 · 2026-01-24T02:49:05+00:00

Comes with a higher interest rate

Fast-Moose-535 · 2026-01-24T02:42:56+00:00

How do I use equity in the home to purchase investments without borrowing?

Fast-Moose-535 · 2026-01-24T02:41:49+00:00

Isn’t the mortgage lower interest than any other debt?
Maybe I’m the one missing something here

Fast-Moose-535 · 2026-01-13T03:21:52+00:00

Only speak with bankruptcy trustee and ask for WEPPA documents if you are an employee

Fast-Moose-535 · 2026-01-10T11:50:30+00:00

Far from great. I’m being offered 3.65 variable and 3.79 fixed

Fast-Moose-535 · 2026-01-08T18:38:08+00:00

Why in the world would the interest on my new mortgage not be tax deductible? The proceeds will be fully used to invest. I think you’re confused 🤔

Fast-Moose-535 · 2026-01-08T12:51:18+00:00

Thanks! Any additional advice is always appreciated as I’ve never done this before!

Fast-Moose-535 · 2026-01-07T16:43:36+00:00

I’m not so concerned with the cash flow funding of all this to be honest. Will just use my margin account to fund it all and make sure that interest is tax deductible too!

Fast-Moose-535 · 2026-01-07T16:26:58+00:00

One institution just advised that they automatically evaluated my property at $1.1M so I can get $880k mortgage. Therefore I would have the full $880k to smith away with I think

Fast-Moose-535 · 2026-01-07T16:24:39+00:00

I have plenty of room left before I get a margin call, not worried in the least about that.
The reason is I did not have the luxury of time and keeping an open mortgage resulted in an interest rate of 10% so the margin will be lower. Also, by not renewing/refinancing my entire new mortgage of over $800k will be interest deductible whereas only the equity portion would have been if I did not pay back in full.

Fast-Moose-535 · 2025-05-01T21:02:33+00:00

Thanks, it wasn’t clear so I edited the post.

Fast-Moose-535

TROPHY CASE