The Power of Belief and Relationships in Building Wealth: Insights from a Mortgage Expert

Josh Perez • March 19, 2024

I've got something important to share – something that could potentially change the way you view your financial journey. You see, after spending over a decade in the mortgage industry, I've come to realize that one of the most significant obstacles people face is their own self-doubt.

"Surrounding yourself with the right people who share your drive for progress can fast-track your success. It's about tapping into opportunities, having meaningful conversations, and ultimately building wealth."

Let's rewind to 2009 when I first dipped my toes into the world of mortgages, starting out in the banking sector. Fast forward to today, and I've had the privilege of engaging in countless conversations about people's financial situations. And let me tell you, I've witnessed some truly remarkable transformations.


Imagine sitting down for a casual coffee chat with me and browsing through my extensive database. You'd be amazed by the stories we'd uncover – tales of everyday individuals who defied the odds and achieved extraordinary financial success. But here's the kicker – these success stories weren't fueled by sheer luck or chance. No, they were the result of unwavering belief in oneself and the power of relationships.


You see, I firmly believe that surrounding yourself with the right people can propel you toward your goals faster than you ever thought possible. It's about forging connections with individuals who share your passion for progress and are eager to support you on your journey. These connections open doors to opportunities, spark insightful conversations, and ultimately pave the way for wealth-building endeavors.


I've seen firsthand how expanding your network and embracing a positive mindset can lead to incredible outcomes. It's about believing in yourself and the limitless possibilities that lie ahead. Together, we can turn dreams into realities and create a future filled with financial abundance.



So, let's embark on this journey together – one filled with optimism, determination, and unwavering belief in our potential. Together, we'll unlock new opportunities and chart a course toward financial prosperity.

Here's to believing in ourselves and the incredible journey that lies ahead.


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Deposit Lending And Bridge Financing

By Josh Perez • April 30, 2025
Let’s say you have a home that you’ve outgrown; it’s time to make a move to something better suited to your needs and lifestyle. You have no desire to keep two properties, so selling your existing home and moving into something new (to you) is the best idea. Ideally, when planning out how that looks, most people want to take possession of the new house before moving out of the old one. Not only does this make moving your stuff more manageable, but it also allows you to make the new home a little more “you” by painting or completing some minor renovations before moving in. But what if you need the money from the sale of your existing home to come up with the downpayment for your next home? This situation is where bridge financing comes in. Bridge financing allows you to bridge the financial gap between the firm sale of your current home and the purchase of your new home. Bridge financing allows you to access some of the equity in your existing property and use it for the downpayment on the property you are buying. So now let’s also say that it’s a very competitive housing market where you’re looking to buy. Chances are you’ll want to make the best offer you can and include a significant deposit. If you don’t have immediate access to the cash in your bank account, but you do have equity in your home, a deposit loan allows you to make a very strong offer when negotiating the terms of purchasing your new home. Now, to secure bridge financing and/or a deposit loan, you must have a firm sale on your existing home. If you don’t have a firm sale on your home, you won’t get the bridge financing or deposit loan because there is no concrete way for a lender to calculate how much equity you have available. A firm sale is the key to securing bridge financing and a deposit loan. So if you’d like to know more about bridge financing, deposit loans, or anything else mortgage-related, please connect anytime! It would be a pleasure to work with you.

Should You Double Down or Diversify in Real Estate Investing?

By Josh Perez • April 30, 2025
If you’re crushing it with duplex conversions, Airbnb rentals, flips, or student housing, you might be wondering: Should I double down on what’s working—or start learning about other strategies to diversify my real estate portfolio? It’s a great question—and one I get asked all the time. My typical advice? Double down on your strengths, outsource your weaknesses. If you’ve found a strategy that fits your skills, market, and cash flow goals, it’s smart to build momentum. But in real estate—especially in today’s market—it’s just as important to stay informed and flexible. Why Staying Educated Matters Real estate isn’t static. The rules of the game are constantly changing. Lending practices shift. Local bylaws evolve. What worked flawlessly last year may become less profitable—or even unviable—this year. Here’s what I mean: “If lenders and banks don’t want to lend as much on certain assets—like student rentals or short-term rentals—or they start to clamp down on duplex conversions, that changes your rate of return. That changes the rules of the game.” If your entire strategy depends on leverage (and let’s face it, most real estate investing does), changes in financing can dramatically shift the effectiveness of your current approach. Keep Learning, Stay Adaptable Even if you’re succeeding now, always keep learning. New strategies like BRRRR, rent-to-own, mid-term furnished rentals, or commercial opportunities might offer different advantages in changing markets. You don’t need to master them all, but you do need to understand how they work—and when it might make sense to pivot. Final Thoughts Crushing one niche? Keep going. But don’t ignore the bigger picture. As markets evolve, being aware of shifting rules, lender policies, and local regulations will give you the edge.  At the end of the day, the best investors aren’t just good at one strategy—they’re nimble, informed, and proactive. If you want to chat about how to strengthen your current investments and position yourself for what’s next, let’s connect.