Real Stories In Real Estate podcast focuses on the challenges, success and yes, even the failures in real estate investing. With every failure comes lessons learned, which can push someone to success and greatness tomorrow. Join us as we chat with guests so you can learn from their experience on your way to building wealth through real estate. We'll discuss many different types of real estate transactions such as aging in place, having a business in the home, and investment strategies such as using B lenders, buying during the bubbles, and buying your first home with a rental in it. Denise will chat with industry experts on a variety of topics, to give you weekly, easily-consumable blasts of information to jump start your adventures in real estate - whether as an owner or an investor.
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June 2, 2026Episode 5417 min
Navigating The System To Support #Tenants Who Need Help EP 054 RSIRE
What happens when a vulnerable tenant faces a dramatic rent increase in a building exempt from rent control?In this episode, Denise Laframboise speaks with Realtor Julia Seaton about her family's fight to protect her brother's housing while navigating Ontario's rental system. Their conversation explores tenant rights, mental health, housing affordability, disability supports, and the growing need for stronger protections for vulnerable renters. A thought-provoking discussion that highlights the human side of today's housing challenges.To get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 25, 2026Episode 535 min
When The Bank Says No EP 053 RSIRE #mortgageapproval
In this episode of Real Stories in Real Estate, Denise Laframboise breaks down one of the most frustrating experiences self-employed business owners face: getting declined for a mortgage by their bank.Denise explains why traditional banks often struggle to assess entrepreneurial income properly, why a “no” from the bank is not the end of the story, and how specialized mortgage strategies can help self-employed clients move forward confidently.She also dives into the critical relationship between mortgage planning and tax planning, explaining why accountants and mortgage brokers sometimes work toward different goals — and why collaboration between both professionals can make all the difference.This episode is packed with practical advice, reassurance, and real-world insight for entrepreneurs, incorporated business owners, freelancers, and self-employed Canadians trying to navigate the mortgage process without shame or confusion.🔑 Key TakeawaysWhy banks often decline self-employed mortgage applicationsThe difference between bank lending rules and real financial healthCommon myths about self-employed mortgagesWhy a mortgage decline is not the final answerThe importance of working with a mortgage broker who specializes in self-employed lendingUnderstanding A lenders vs. B lendersWhy alternative lending can be a strategic stepping stoneHow tax write-offs can affect mortgage qualificationWhy mortgage brokers and accountants need to collaboratePlanning ahead before tax season to improve borrowing powerHow entrepreneurs can structure income more strategically for future financing🔍 SEO KeywordsPrimary SEO Keywordsself employed mortgage Canada, mortgage declined self employed, self employed mortgage broker, mortgage for business owners, entrepreneur mortgage adviceTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 25, 2026Episode 5225 min
Selling & Moving On After #Divorce Or #Separation EP 052 RSIRE
In this episode of Real Stories in Real Estate, Denise Laframboise sits down with real estate professionals Robyn Yack and Cheryl Hoffman to discuss the emotional and financial realities of selling a home during separation or divorce. Together, they unpack the biggest mistakes separating couples make, why emotions can sabotage financial outcomes, and how having the right professionals in your corner can make all the difference. From cohabitation agreements and common-law relationships to separation agreements, support payments, and buying a new home after divorce, this episode is filled with practical advice and real-world insight.They also explain why working with professionals who specialize in divorce-related real estate transactions is critical, and how proper planning can help families avoid unnecessary stress, conflict, and financial loss.Whether you’re navigating separation yourself, supporting someone who is, or working in real estate or mortgage financing, this conversation provides valuable guidance on protecting your future while moving forward with confidence.🔑 Key TakeawaysThe biggest financial mistakes couples make during separationWhy emotions and revenge can hurt real estate outcomesThe importance of separation agreements before selling a homeWhy common-law relationships are treated differently legallyHow cohabitation agreements protect both partnersWhat happens when only one spouse is on titleThe risks of using the wrong realtor during divorceMortgage qualification challenges after separationWhy support payments impact mortgage approvals differently by lenderProtecting family down payments and gifted equityThe importance of wills and estate planning during separationHow specialized professionals help reduce stress and conflict🔍 SEO KeywordsPrimary SEO Keywordsdivorce and real estate, selling a house during divorce, separation and mortgage advice, common law separation Ontario, divorce real estate specialistTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 12, 2026Episode 5119 min
Using Your Equity To Downsize EP 051 RSIRE
In this episode of Real Stories in Real Estate, Denise Laframboise shares a powerful replay of a webinar that resonated with homeowners across Ontario: how to strategically get ahead before downsizing. Many retirees and long-time homeowners are sitting on significant home equity, but they’re not quite ready to leave their family home yet. Denise explains how today’s unique market conditions—where large homes have softened in value while condos are deeply discounted—may create an incredible opportunity to buy your future condo now while keeping your current home. She walks through real-life examples of using refinancing, HELOCs, and reverse mortgages to purchase a future downsizing property without dramatically impacting monthly cashflow. The episode also explores how these strategies can give homeowners more control over timing, reduce stress during life transitions, and potentially create stronger long-term financial outcomes. Whether you’re thinking about downsizing to a condo, bungalow, or cottage in the future, this episode offers practical insights into how to plan ahead, protect your lifestyle, and make smarter real estate decisions in today’s market. 🔑 Key TakeawaysWhy today’s condo market may be a rare buying opportunityHow retirees are leveraging home equity strategicallyThe pros and cons of refinancing vs HELOCs vs reverse mortgagesHow to buy your future home before you’re ready to moveWhy timing the market matters when downsizingHow reverse mortgages can preserve cashflowThe hidden stress of waiting too long to make a downsizing planWhy having a transition plan creates more control and flexibilityReal financial examples comparing different mortgage strategiesHow to avoid rushed decisions during health or lifestyle changes🔍 SEO KeywordsPrimary SEO Keywordsdownsizing strategies for retirees, reverse mortgage Canada, buying a condo before downsizing, retirement real estate planning, HELOC for downsizingTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 12, 2026Episode 5033 min
Co-Owning A Property - Protect Yourself Before It's Too Late EP 050 RSIRE
In this episode of Real Stories in Real Estate, Denise Laframboise sits down with real estate lawyer Paria Rad to break down the growing trend of co-owning property—and the legal risks most buyers never think about until it’s too late. With affordability challenges pushing more people to buy homes with siblings, friends, parents, business partners, and unmarried couples, co-ownership has become increasingly common. But what happens when someone wants out, relationships change, or one owner contributed significantly more money than the other?Denise and Paria unpack the critical importance of co-ownership agreements, how title should be structured, what happens during relationship breakdowns, the risks of co-signing, and why planning the exit strategy before buying is one of the smartest decisions you can make. They also dive into:Joint tenancy vs. tenants in commonProtecting down payment contributionsCommon-law relationships and property rightsParents co-signing for adult childrenEstate planning and ownership disputesHow improper documentation can lead to expensive litigationWhether you’re buying with a partner, family member, or friend, this episode is packed with practical legal and mortgage insights that could save you thousands of dollars—and a lot of stress. 🔑 Key TakeawaysWhy co-ownership is becoming more common in today’s marketThe biggest mistakes people make when buying property togetherWhat every co-ownership agreement should includeWhy “50/50 on title” doesn’t always mean equal ownershipThe legal risks of buying property with friends or familyWhat happens when one co-owner wants to sellProtecting yourself in common-law relationshipsRisks parents face when co-signing mortgagesHow wills and estate planning affect co-owned propertiesWhy planning the exit strategy matters before buying🔍 SEO KeywordsPrimary Keywordsco-ownership agreement Ontario, buying property with family, buying a house with friends, co-signing mortgage risks, joint tenancy vs tenants in commonTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 1, 20266 min
How To Help Your Kids Buy A Home EP 049 RSIRE #mortgage
In this episode of Real Stories in Real Estate, we break down the smartest ways parents are helping their kids get into the housing market today.From co-signing and co-buying to gifting down payments (and even using home equity as an early inheritance), there are more options than ever—but each comes with important considerations.We walk through the pros, cons, and potential risks of each strategy so you can make the right decision for your family—without impacting your own financial future.If you’re thinking about helping your kids buy their first home, this episode is a must-listen.🔑 Key Points for Podcast PlatformsWhy more first-time buyers need family support in today’s marketCo-signing explained: benefits, risks, and impact on credit and borrowing powerThe importance of ensuring affordability—not just qualificationCo-buying strategies (duplexes, shared ownership, investment structures)Tax and legal considerations when buying property togetherGifting a down payment and the rise of “early inheritance”Using home equity (HELOC, refinance, reverse mortgage) to help childrenHow to structure support without impacting parents’ cash flowAvoiding common mistakes when helping multiple children🔍 SEO Keywords for Discoverabilityhelp kids buy a house Canada, co-sign mortgage Canada, gifting down payment Canada, first time home buyer help parents, reverse mortgage for family supportTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 1, 2026Episode 4827 min
Real Estate Transactions Post - #Divorce EP 048 RSIRE
In this episode of Real Stories in Real Estate, Laframboise Mortgage is joined by Marlene Doss to talk about what you need to know when navigating real estate during a #separation or divorce.We break down the key steps involved—from understanding ownership and separation agreements to handling the sale or transfer of a property. We also dive into the legal details many people overlook, including estate planning updates, cohabitation agreements, and how title ownership can impact your future.If you’re going through a separation or supporting someone who is, this episode will help you understand your options and make more informed decisions during a challenging time.🔑 Key Points for Podcast PlatformsWhy real estate is often the largest asset in a separationUnderstanding ownership when only one person is on titleThe importance of a separation agreement for clarity and financingHow real estate lawyers handle sales and buyouts during divorceWhy timelines can be longer than expectedThe value of working with one lawyer vs. multiple partiesJoint tenancy vs. tenants in common explainedProtecting your interests through title changesWhy cohabitation agreements matter—even before issues ariseUpdating wills, powers of attorney, and estate plans during separationThe importance of having the right professional team in placePrimary Keywordsdivorce real estate Canada, separation property division Canada, real estate lawyer divorce, matrimonial home rights Ontario, joint tenancy vs tenants in commonTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 1, 2026Episode 475 min
What Options Do You Have With a Free & Clear Home? 047 RSIRE
In this episode, we explore how homeowners with free-and-clear homes are taking advantage of today’s market by buying their future condo now—while prices are lower—and moving later on their own terms.Learn how strategies like reverse mortgages, refinancing, and lines of credit can unlock equity without impacting your lifestyle, giving you flexibility and control over your next move.If you’re thinking about downsizing in the future, this is a smart strategy you’ll want to understand.Why mortgage-free homeowners are in a strong position right nowThe opportunity created by lower condo pricesBuying your future home before you need itUsing equity through HELOCs, refinancing, or reverse mortgagesHow reverse mortgages allow you to avoid monthly paymentsMaintaining lifestyle and cash flow while accessing equityRenting or using the condo before moving inAvoiding rushed decisions when selling a long-time homeCreating a flexible, low-stress transition planreverse mortgage strategy Canada, free and clear home equity, downsizing strategy Canada, buying condo before selling house, retirement real estate planningTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
April 9, 2026Episode 4634 min
Let's Talk Renovations w/John McClellan 046 RSIRE
The conversation delves into the world of building and renovations, highlighting the importance of understanding the building code and the growing trend of home renovations to meet changing needs. It also emphasizes the significance of proper construction and renovation practices for homeowners and contractors.TakeawaysHome renovations are a popular trend for homeowners looking to stay in their homes and make them work for their changing needs.Understanding the building code and the importance of proper construction and renovation practices is crucial for homeowners and contractors.Chapters00:00 Introduction to Building and RenovationsTo get in touch with Denise:Web: http://LaframboiseMortgage.caEmail: experts@laframboisemortgage.ca Phone: 289-645-1568
May 13, 2022Episode 2127 min
Using An Accountant To Watch Your Bottom Line 021 RSIRE
#021 RSIRE Using An Accountant To Watch Your Bottom LineYou want to be a real estate investor…perhaps you already own a few properties, but do you have a good handle on the finances of your investments? What can be written off? What can't be? Can you pay your self as property manager? Is my HELOC deposit taxable?MIKE LIBBY is a Durham-based Chief Operations Offices of Your bottom Line, an accounting firm that works with many self-employed persons and investors. Whether it's personal income or corporate entities, Mike can help you figure it all out, to make sure you are getting the most money back, and not paying more than you have to.In this podcast, Mike shares some of the stories in his many years of helping others, and Denise asks some specific questions from an investor perspective.Join host award winning mortgage broker Denise Laframboise each week as she brings the good, the bad and the just plain ugly in real estate transactions, as told by real people. Success stories and tips on how to avoid the same pitfalls. We'd love you to please like, subscribe, follow and share these amazing stories.To get in touch with Denise:Web: http://DeniseLaframboise.caEmail: mortgage@DeniseLaframboise.ca Phone: 289-645-1568 ext 1
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