Creating Your Brand as a Realtor and Investor with Jeff Wybo

In this episode, Sarah Larbi teams up with special guest co-host Sarah Eder to interview none other than Jeff Wybo. Jeff is a very successful realtor and investor who has built a huge presence on social media platforms.
Jeff’s career began in the Canadian Armed Forces. When returning home in 2012, Jeff started purchasing income properties in London, Ontario and has been focused on real estate ever since. Jeff has built a solid portfolio of income properties and a great reputation as a realtor helping investors.
Jeff Wybo hosts Investment Property Limo Tours to investors offering a creative approach to learning how to make money in real estate. He also focuses on selling The Agency’s luxury listings and offers a unique marketing ability via social media.
To learn more about Jeff find him at:
Instagram: @jeffwybo

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“Where Should I Invest” is brought to you in part through the sponsorship and support of Dalia Barsoum of Streetwise Mortgages. contact her to book a FREE Goals Analysis.

President and Principal Broker , Streetwise Mortgages
Best selling Author : Canadian Real Estate Investor Financing: 7 Secrets to Getting All The Money You Want 
Winner of the Outstanding Customer Service Award : CMP
Top 75 Brokers in Canada ( 2017 and 2018)  :  Canadian Mortgage Professionals Magazine ( CMP)
Mortgage Broker of the year ( 2017 , 2015 ) : Canadian Real Estate Wealth Magazine
[Direct: 416-985-4698 | | Toll Free & Fax: 1-800-208-6255 ]
Mail:  53 Berry Trail , Woodbridge , ON , L4H 2T4 | License # 12900

Top 5 Things You Should Know as a Young Investor:


Even thinking about investing after just finishing school can be scary.  Slow and steady wins the race so do not ignore getting started; 

1. Investing should be fairly boring and is a slow game. 
Avoid trying to get rich quick as it almost always backfires. Instead, pick simple tried and tested strategies and stick to them for the long run. Avoid the new craze and stick to what works. If you can’t explain the strategy to a 10-year-old, pass on it!
2. You will need more than one source of income if you want to become wealthy (At least 2-3 sources)
Most millionaires have 3-4 income sources. In 2018, you can no longer just rely on your job income. One day your job may be sent overseas, they will have the technology to replace it, or you may get sick and no longer able to work or have to take care of a family member. My favourite income sources are, investing in dividend stocks, real estate investing for cash flow, and starting a side hustle.
3. Real Estate Investing is not often suggested to you because Financial Advisors don’t make money suggesting that route. Banks also make more money by selling you their mutual funds.
Most advisors are commission based, meaning they get a percentage of your total invested assets each year. Telling you to take that money out and buy real estate would eliminate their income. Real estate investing has created the most millionaires than any other strategy. Learn and educate yourself and add real estate (hard assets, not REITs) to ensure proper diversification and to create more “passive” income.
4. You will waste so much money on fees by investing in mutual funds. Look at ETFs instead and self-manage for fees of <1%.
Management expense fees and commissions to pay the advisors and traders are a huge waste of money when it has been proven that investing in index funds outperforms actively managed funds. Better yet though, start learning about ETFs and use a self-directed account for the lowest fees.
5. House hack your first home instead of buying the biggest house your salary can afford you
Buy a duplex or triplex, live in one unit and rent out the others. You will have your renters pay off your mortgage, costs of living and often can end up with money in surplus. Use that to accelerate your savings. Once you have enough, rent out the unit you are living in and buy another house and rent out the other units. This is a quick way to wealth most don’t or won’t do.

I was recently interviewed on Dave Knight’s podcast First Responders Wealth Network

Building a Real Estate Brand and Managing the Property Manager with Adam Kitchener

In this episode of Where Should I Invest? the podcast, we interview Adam Kitchener a Real Estate Investor/Landlord and Property Manager.

Adam grew up in the real estate business. His father had built a small portfolio of properties, buying when Adam was a young age.

It was exposure to these properties that Adam developed his love for real estate, architecture and business. Following his father around to his properties, Adam learned the business from knee high and ground up.

In this Episode, you’ll learn. . .

– Strategies on building your real estate foundation
– Tips and Tricks on how to manage your properties
– Building your own real estate brand
– Tips what to look for in a property manager or management company
– How should an Investor manage a property manager or management company
– Tracking/handling/managing unpaying tenants and complaining tenants

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Get more about Adam Kitchener at:

Don’t forget:
Please Rate and Subscribe to this podcast 
For more content, or visit my website:

“Where Should I Invest” is brought to you in part through the sponsorship and support of Dalia Barsoum of Streetwise Mortgages. contact her to book a FREE Goals Analysis.


President and Principal Broker , Streetwise Mortgages

Best selling Author : Canadian Real Estate Investor Financing: 7 Secrets to Getting All The Money You Want 

Winner of the Outstanding Customer Service Award : CMP

Top 75 Brokers in Canada ( 2017 and 2018)  :  Canadian Mortgage Professionals Magazine ( CMP)

Mortgage Broker of the year ( 2017 , 2015 ) : Canadian Real Estate Wealth Magazine

[Direct: 416-985-4698 | | Toll Free & Fax: 1-800-208-6255 ]

Mail:  53 Berry Trail , Woodbridge , ON , L4H 2T4 | License # 12900

Recently, with a few real estate investing colleagues, I had the ‘pleasure’ of flying up to 10,000+ feet and jumping out of a plane, all in the name if fun!

Here is a link to a full video of my adventure – click here to watch

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At Last Millennials = Real Estate Investors

A recent Forbes article highlighted millennials as being the next real estate investors of single homes. You can read the full article by clicking here Why Millennials Are Poised To Be The Next Wave Of Single Family Rental Investors

This is a great article and one that is spinning millennials and real estate investing in a positive light. So happy to read these types of articles.
As it mentioned, we have access to so much more information than any generation has had before. Information that is accessible without needing to step outside our homes. Everything is available at our fingertips: Real estate podcasts, blogs, websites, mentors, courses and so much more. We are living in a lucky time where we can learn anything from anywhere and it is time we start to realize this.
We are slowly modernizing this entire industry and due to our population size, companies and industries are adapting to many of our asks and needs. I do think one day we will no longer be working with realtors as the main method of purchasing homes…. What do you guys think?
On another note, Millennials saw their parents go through the crash of 2008 and 2009 and even though they are cautious when investing in general for the fear of losing it all, I think some are starting to see the opportunity through investing in cash flowing assets that have tenants paying down your mortgage principals with each and every payment.
We can’t control the next downturn but at least we can prepare for it as we know one day it will be back. Let us prepare by getting the education and resources in place so that we are in the power to buy and purchase more of these assets when they go on discount next time around. Let’s use the technology to move us ahead and give us those answers.


Why Millennials Need to Develop Investing Habits

Financially Optimistic Millennials Aspire to be Millionaires, Retire Early

TD Ameritrade survey shows how millennials are redefining life milestones

This recent survey identified millennials as being a very positive and aspirational group, another example of the opposite negative labels we see far too often. Although US focused you can most likely draw similar conclusions for Canada.

“Millennials are graduating at record rates and it’s great to see that like most previous generations of college students, young people are optimistic about the future. On average, survey respondents expect to land a job in their chosen field and be completely financially independent by age 25,” notes JJ Kinahan, chief strategist for TD Ameritrade. “This is a financially optimistic group that’s feeling positive about the economy, the job market and their own plans. However, they will need to develop saving and investing habits that will help them reach some pretty big goals.”

The #1 trigger for gaining financial independence is for a millennial to move out of their parents home, the most logical conclusion to that is for them to be investing in their first home to do that.

You can access the full report by clicking here. 

What You Need to Know About the BRRR Method and Why it Works with Matt McKeever and Kellan Paniccia

Matt and Kellan live and invest in London Ontario.

Matt McKeever is a full-time Real Estate Entrepreneur who quit the rat race at 31 and Kellan Paniccia is a real estate investor who achieved financial independence through real estate.

Both are successful millennials that are giving back to the community by hosting monthly real estate clubs and sharing their knowledge through many avenues such as on social media and a youtube show.

Episode Highlights:

  • Learn about the BRRR Strategy (Sarah’s Favorite)
  • Hear about the 1% rule for Cashflow in Real Estate Investing
  • Finding Off-Market Houses
  • Tips on where to get leads and deals.
  • Listing Properties; Kijiji Vs Multi Listing Service

Contact Information:

For more information;

  • Matt McKeever: YouTube,,
  • Kellan: Instagram,

Where to Look for Good Flip Properties with Danielle Chiasson

Danielle started with Real Estate Investing at a young age specializing in flipping houses. She is now a successful real estate investor flipping properties. Hear her story on this podcast!

Image result for danielle chaisson

Danielle will also be speaking at the next SO REIT event on June 19th 2018 at 7pm at the Burlington Holiday Inn. If you are interested in hearing more from her register on Eventbrite here:

Episode Highlights:

  • What you want to know about flipping properties
  • Marketing for deals
  • Where to look for good flip opportunities
  • Risks and Downsides to consider

Contact Information:



Facebook:  and

Millennial Investing and Making it All Happen on the On Fire Podcast

Sarah was interviewed on the On Fire Podcast with Matt McKeever and Kellan Panniccia

 link to the On FIRE (Financial Independence, Retire Early website 

Here is a link to the interview – click here

Young voices from the housing market: “Our financial life centres around the costs of our home…”

A lot of millennials are disgruntled about their economic situation, a recent poll showed. To find out more, The Globe & Mail asked young adult readers to talk about their work experience, their housing situation and what makes them angry and hopeful. You can read what they had to say by clicking here or copy and paste

I find it unfortunate that we keep portraying millennials as a generation that is less fortunate than the others were prior. There are different opportunities and challenges today like there were 30 years ago and 30 years prior to that. As the time evolves, we need to adapt and come up with different solutions to the new problems we face.

Some have realized that creating more than one source of income is the way to go and some are still living and thinking like their parents and following their parent’s outdated advice of going to school and getting a safe secure job for the most part. In this new economy, we should be looking at creating different sources of income in addition to our jobs. One huge advantage we have that the generation prior didn’t is access to information online. So much can be done with the internet that would not have been possible then.

As for housing, it is more expensive just like it will be even more expensive in 10 years from now. Taxes will also be higher than they are today. Let’s stop complaining about it and take action on buying investment properties that cash flow to offset our own cost of living instead. I am still baffled that so many people think they need to buy their own house to live in before but they can’t afford it. Look outside of any major city and buy something for half the price, rent it out and ensure its cash flows. The mortgage pays down over 10 years and perhaps some appreciation will allow you to save much faster and more efficiently for buying your residential property in the future.

Click the button below to download my free report – “The 10 Questions Millennials Always Ask Me About Real Estate Investing”


Battle of the Sexes: How Millennials’ Financial Attitudes, Habits Differ by Gender


PNC Investments released findings from their 2018 Millennials & Investing Survey

Among respondents, female millennials report having saved an average of $66,700 for retirement compared to the $101,500 male millennials have saved

19 percent of female millennials and 36 percent of male millennials say they have a solid understanding of how to successfully invest their money

Male millennials place a higher premium on alternative investments (i.e., cryptocurrencies) to help them retire successfully

You can see the full infographic and report by clicking here or copy and paste

This is a very interesting article that shows that even though we are in 2018 there are gender differences when it comes to financial knowledge and investing habits. Women, including millennial women, are not as much risk takers when it comes to investing so they will save or invest more conservatively. However, with time on our side, this is the time to look for investment opportunities that are geared towards growth as we are able to absorb market downturns by holding on for the longer term. A market dip will not affect us as much as a baby boomer retiring in the next couple years. 

It is important that as a millennial man or woman, we look for the growth opportunities rather than being too conservative as we have the compounding effect on our side.

For example if you were to invest $10,000 today and not put in another dollar and wait 20 years here is what you would have:

Very Conservative/ GIC type of fund 1.5% = $13,469
Conservative fund mutual fund 3% = $18.061
Stock market balanced growth fund at 8% = $46,610
Growth fund at 10% = $67,275

As you can see being too conservative overtime will have a detrimental effect on your retirement plan.

Also, a very important thing to note is that fund fees and management fees can negatively impact your progress over time in the same way. In Canada, we pay ridiculously high fees.

Mentor Tip: Always ask how much the fund fee is as you may realize that you are losing most if not all of your money to the financial advisor you are paying that is pocketing this in commissions. And then factoring that each year inflation absorbs 2-3%of our return, going to conservative results in your dollars shrinking.  Over 20 years, a 2.5% fee will cost you $16,386! Reducing it by 1.5% to 1% or less by buying an ETF (exchange-traded fund) or the index, for example, can save you $4,184 in 20 years. And the more money you start with the more money you can lose to these fees.

It’s unfortunate that many don’t realize this until they are ready to retire. So as we are still young and have time on our side, let’s invest wisely now so that we can reap the rewards later on.

Click the button below to download my free report – “The 10 Questions Millennials Always Ask Me About Real Estate Investing”