The information contained herein (the “Information”) is intended for general informational purposes only and should not be relied upon by recipients hereof. Although the Information is believed to be correct, its accuracy, correctness or completeness cannot be guaranteed and has not been verified by either Aspire Holdings or any of its affiliates.

Views expressed in this presentation are based on research materials available from sources that Synergy REIN(and associates) considers reliable but neither guarantees, warrants nor assumes any responsibility or liability of any kind with respect to the accuracy, correctness, completeness, or suitability of, or decisions based upon or in connection with, the Information.

All real estate opportunities come with varying degrees of risk and past performance is not an indicator or guarantee of future results. Prices can go up or down and current performance may be lower or higher than any performance data quoted for comparisons.

* Father of 2 Awesome Daughters* Serial Entrepreneur* Broker Recruiter & Trainer* Real Estate Investor* My Personal Story

1. Requires large upfront capital2. Only the wealthy can participate3. It is too complicated & difficult4. Too much work5. Don’t know where to start

1. 15% Down Payment on CMHC - MUR2. Single person hold-co or JV partners3. Complicated = More Options to $$$4. Hire or outsource work = write-off5. Start small : Townhouse vs Warehouse

*Why own a warehouse vs a townhouse? Both are strata.

*IF both are $325,000 each

*25% down payment

*Appreciation or Cash-flow?

*Yr 1 - $2,500

*Yr 3 – $3,000 (20%)

*Yr 5 - $3,500 (20%)

*Renew 5 year + 50% tax

*Talk about financing later…

• Interior decorating/painting done by tenants• Longer leases 3-5 years + increasing rents• Many leasing agents CBRE,Colliers,Cushman…• CMHC financing lower than residential rates• Flexible down payment source & No 90 Days• Residential tenancy law vs business (hello bailiff!)

• Cap rate / DCR = rare chance of bidding wars• Assignments / Bird Dog = $$$• Tenant vs tenant conflict? See lease contract• If long term dentist vacates, how hard to lease to a new dentist? + higher rent

• No more leaky toilet phone calls at night

Residential*Emotional*Neighbour sold for?*Prestige (high-end appliances, hardwood)

*School/transit*Land value

Commercial*Logical*Cap Rate = NOI

Price*Local business traffic*Location suited to that type of property

*Income / rent rolls

WiFi Internet in home vs Apartment X 20+ Janitorial services & window cleaning Document shredding / offsite backup Onsite car-detailing & wash/cleaning Concierge service, catering, lunch delivery Outsource tech support, book-keeping Income source for your kids? Write-off? What other services can you provide?

•75% LTV•Appraisal required•DCR calculations•Property & business•Credit personal & Co•Story & experience

•Max 95% LTV / 80%•Appraisal optional•TDS/GDS•Income (employment & debt) & 50% of rents

•Credit of personal•Character of applicant

• Not advertised – “overall risk”• “A” business is 1%-2% higher• Amortizations max 25 years ***• Lender fee of 0.50 - 1% avg• Application/broker fee of 1-2% avg• Extensive documents required

• Legal fees – higher than residential• Appraisal fees – up to 5X higher than residential

• Environmental assessment (Stage 1-3)• Property Transfer Tax (Corp deferral only)• Annual review and renewal fees of $250-$2,500 (hidden in contract - beware)

• Much longer process (2-12+ months)• Reports can take up to 6-8 weeks• Longer time required for analysis• 4-6 weeks for realtor subject removals• Requires personal guaranty/corpguaranty

• Same lender offer 3 different rates

*Qualifying for that $325K townhouse vs warehouse?

*With 25% down payment

*2012 NOA - $10K

*2013 NOA – Zero income

*Which residential “A” lender would approve?

*Commercial lender Approved the warehouse

*3.15% 5 years fix term

How much do you save on $3.4M over 5 years?

>>>$64,656 + $48K in cashflow<<<

Build a Power Team: Hire a Commercial Broker Analyze your current situation Create investment strategy Connect with commercial realtor Start small or JV with other experienced commercial investors

Find a mentor Refer or co-broker to

commercial mortgage broker Start small and simple Be prepared to do more work Be paid what you’re worth!

I used to be terrified of heights and public speaking

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