{"podcast":{"title":"The Truth About Financial Independence for Canadians","slug":"the-truth-about-financial-independence-for-canadians-50498","podcast_index_feed_id":50498,"rss_url":"https://anchor.fm/s/10492c5fc/podcast/rss","website_url":"http://www.truthaboutrealestateinvesting.ca/","image_url":"https://d3t3ozftmdmh3i.cloudfront.net/staging/podcast_uploaded_nologo/43616951/43616951-1779473831808-59c297ad6e3d7.jpg","author":"Erwin Szeto","episode_count":414,"summary":"Are you a Canadian real estate investor looking for real Canadian Content? You've found it! Since 2016, this weekly show has helped Canadians cut through the BS and uncover the truth about how to most effectively invest in real estate. Ranked as high as #81 globally in iTunes' Business category, host Erwin Szeto is a real estate investor and 4X Investor Realtor of the Year, with just under $500M in income property transactions. Erwin interviews top investors and wealth builders, sharing strategies that worked and didn't work. This is your blueprint for long-term wealth through real estate.","last_synced_at":"2026-06-26T00:18:17.654012+00:00","page_url":"https://stenobird.com/podcast/the-truth-about-financial-independence-for-canadians-50498"},"episode":{"title":"20 Years in Canadian Finance, Now He Only Buys $70K Cleveland Duplexes | Carlos Rodrigues","slug":"20-years-in-canadian-finance-now-he-only-buys-70k-cleveland-duplexes-carlos-rodrigues","published_at":"2026-05-28T14:42:44+00:00","page_url":"https://stenobird.com/podcast/the-truth-about-financial-independence-for-canadians-50498/20-years-in-canadian-finance-now-he-only-buys-70k-cleveland-duplexes-carlos-rodrigues","show_page_url":"https://stenobird.com/podcast/the-truth-about-financial-independence-for-canadians-50498","url":"https://podcasters.spotify.com/pod/show/erwinszeto/episodes/20-Years-in-Canadian-Finance--Now-He-Only-Buys-70K-Cleveland-Duplexes--Carlos-Rodrigues-e3k0v4j","audio_url":"https://anchor.fm/s/10492c5fc/podcast/play/120666707/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-4-28%2F425058514-44100-2-28540de4b3f3f.mp3","summary":"Carlos Rodrigues spent 20 years in Canadian financial services. Mutual funds, life insurance both levels, and a full mortgage broker with five agents under him. He tried to start his own fund. Canadian compliance costs killed it. Now he drives 4.5 hours each way from Hamilton to Cleveland, Ohio to buy duplexes for $70,000 that appraise at $170,000 after renovation. In this episode, we get into: The $70,000 duplex near the Cleveland Clinic with a toilet falling through the floor How Section 8 rentals pay 20 to 30% above market, with one tenant paying $14 of her $1,400 rent Why 100% loan-to-cost financing is back, and why this isn't 2008 The joint venture partner who added $30,000 to $40,000 in renovation scope while Carlos was at Home Depot The contractor who ghosted him a week before closing How ICE enforcement is hitting the US construction labor pool Cleveland's side yard program: buy a vacant lot next to your house for $100 Why Carlos won't invest in Hamilton anymore, even though he lives there Plus my own update: my Hamilton duplex tenant has been non-paying for 7 months, $12,000 deep, and we're still waiting on the LTB. This is the world we're operating in. Want the investment loan strategy that produced a 40.6% return since September 2025? I'm hosting a free training on Saturday May 30 (Oakville hybrid) and Tuesday June 2 (Zoom only). Walking through the complete strategy, the math, every loss scenario, and how it fits alongside a real estate portfolio. Register at: ⁠https://wealthhacker.krtra.com/t/uqyHFbipnPrK⁠ Connect with Carlos: Website: cashflowcarlos.com, Instagram & TikTok: @cashflowcarlos Connect with Erwin: Podcast: tafipod.ca Free Wealth Freedom Blueprint: infinitywealth.ca/freereport Book a Wealth Planning Call: linked at ⁠www.infinitywealth.ca⁠","meta_description":"Carlos Rodrigues spent 20 years in Canadian financial services. Mutual funds, life insurance both levels, and a full mortgage broker with five agents unde…","key_points":[],"chapters":[],"topics":[],"duration_seconds":4680,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-truth-about-financial-independence-for-canadians-50498/episodes/20-years-in-canadian-finance-now-he-only-buys-70k-cleveland-duplexes-carlos-rodrigues/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-truth-about-financial-independence-for-canadians-50498/20-years-in-canadian-finance-now-he-only-buys-70k-cleveland-duplexes-carlos-rodrigues.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}