The Journey of a Real Estate Investor

Josh Perez • July 20, 2024

I recognize that I was very fortunate to get into real estate when I did, but like anyone who's invested in real estate, when following a system and the fundamentals of real estate, particularly focusing on cash flow, things can snowball quickly. What started as investing in duplexes soon expanded to triplexes, the occasional flip, and eventually mixed-use properties and apartment buildings. Now, I'm venturing into a bit of development.


My investments span from Florida to local projects, with a strong emphasis on multifamily and cash-flowing assets. Beyond these, I've also explored some other asset types, but multifamily properties have been the cornerstone of my real estate portfolio. Currently, I manage about 90 doors, and with a few deals in the works, I’m hopeful to double that number in the coming months.


I share this journey because I want to emphasize that I have skin in the game. I’m working toward the same goals as many of you. I'm not just a mortgage broker or a financing person trying to administer transactions. I'm continually seeking the next best approach for my investment portfolio and my financial goals. At Synergy, our value add is sharing our experience and what we’re seeing in the market to help you succeed.


By focusing on cash flow and leveraging the fundamentals of real estate, you too can see your investments grow. Whether you’re just starting or looking to expand your portfolio, the key is consistency, diligence, and a keen eye for opportunities. Together, we can navigate the real estate landscape and achieve our investment goals.


If you’re interested in learning more about my journey or want to discuss your investment strategies, feel free to reach out. Let's work together to build a robust and profitable real estate portfolio.

"I have skin in the game. I'm not just a mortgage broker or a financing person trying to administer transactions. I'm still looking for the next best approach for my investment portfolio and my goals, and our value add at Synergy is really about sharing our experience and what we're seeing in the market."

Josh Perez
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What Older Canadians Should Know About Mortgage Financing

By Josh Perez • October 7, 2026
Retirement doesn’t always mean a mortgage-free life anymore. And that’s okay. Between higher home prices, rising living costs, and longer life expectancy, many Canadians are choosing to retire with a mortgage or refinance later in life to create more flexibility. The goal isn’t perfection. It’s having options that actually support the life you want to live. If you’re thinking about how a mortgage fits into your retirement years, you’re not alone—and you’re not out of options. Why work with an independent mortgage professional? Because retirement financing is not one-size-fits-all. Unlike a single bank, an independent mortgage professional can look across multiple lenders and solutions to find what truly fits your income, equity, and long-term plans—not just what one institution offers. Mortgage options available in retirement Traditional Mortgage Solutions Many retirees still qualify for standard mortgages. Pension income, investment income, and other retirement sources can often be used to support an application. If you have good equity and solid credit, this is often the lowest-cost option. Reverse Mortgages For homeowners 55+, a reverse mortgage can unlock tax-free equity from your home with no monthly payments required. There’s no income verification or medical questions, making it a helpful option for those who want to improve cash flow while staying in their home. Home Equity Line of Credit (HELOC) A HELOC allows you to access your home equity as needed and only pay interest on what you use. Many retirees appreciate the flexibility and like consolidating income and expenses in one place. Private Financing Sometimes life throws a curveball. If timing, income, or credit create challenges, private financing can act as a short-term bridge. It’s not usually the first choice, but it can provide solutions when traditional lenders can’t. If you’re approaching retirement—or already there—and wondering how your mortgage fits into the picture, let’s talk. A clear plan can make retirement feel a lot more secure and a lot less stressful.
Modern two-story house with a garage at sunset, warm lights on and a landscaped front yard

Self-Employed and Turned Down for a Mortgage? Your Income May Need a Different Approach

By Josh Perez • October 6, 2026
Self-employed in Ontario and denied a mortgage? Learn how lenders assess business income, documents, deposits, dividends, and alternative mortgage options.