The Bank of Canada Strikes Back: Rate Cuts Begin

Message from Tom and Nick

The Bank of Canada Strikes Back!

More on that in a minute...

See that image up top?

That's the group of speakers we have for the next Your Life. Your Terms. Event and you guessed it...we're doing it with a Star Wars theme because we're very serious about using "the force" to live life on our terms!

We're ALREADY more than halfway full and we're still a month away.

And we think we know why...check out what's going on:

#1 We have the one and only Ben Rabidoux coming out to share his latest analysis on the Canadian economy, real estate transactions, rent rates, condo supply, single family home starts, new population trends, interest rate forecasts, and more.

#2 After that we're doing a panel with the CEO of Greybrook Securities, Sasha Cucuz, one of the largest private equity real estate companies in Canada. Craig Race will be there to share the latest on the "missing middle" and laneway type housing trends in Ontario.

Rock Star Mike Desormeaux will be sharing the latest investor activity across the entire Golden Horseshoe area and it's all hosted by Andrew Palhetas who has been a Rock Star Jedi for over a decade.

#3 We have the one and only, Dave Butler, of Better Mortgage Select, popping by to share brand new mortgage programs for investors who want to add second suites along with brand new short and medium-term vacation rental financing options.

#4 We'll be rolling out a brand new Rock Star Economic Update where I'll be breaking down the intersection of A.I., real estate, energy trends, Bitcoin and global macro economics. In my humble opinion, we're getting to the point where you need to understand this stuff if you're going to continue harnessing the force to live life on your terms.

#5 Young Jedi Knight, Nick Karadza, will be sharing his recent findings on new finance after a whirlwind trip to New York City. If you haven't heard about things like USDT, stablecoins, and global monetary settlement for individuals yet...you will. And if you're ready for these changes now the opportunities are endless.

#6 Dr. Kaitlin Link will be in-house to break down how we all need to take care of our physical bodies to battle The Empire. She is a medical doctor who worked in emergency rooms and is sharing what she's learned around health and taking care of yourself that is rarely, if ever, discussed by the mainstream medical community.

#7 We're also going to pull back the curtains and share the keys to creating income streams for any business, new, old, small, and large, from anywhere in the world, using the business and marketing principles we rarely share. We consider this knowledge the key to living life on our terms and we're sharing it with everyone.

When is all this happening?

Saturday October 18, 2025
7:00am Check-in opens
8:15am Event Begins
2:00pm Wrap Up
www.YourLifeYourTermsEvent.com

We have limited seating and we will reach capacity.

If you want to check out the ticket options and learn more visit: YourLifeYourTermsEvent.com

If you're a Rock Star Inner Circle Member, you can register and add guests for free on the Membersite. You can also reach out to the Membership team via email or phone to be registered.

OK, about those interest rate cuts by the Federal Reserve in the USA and by the Bank of Canada yesterday.

Look, we have too much debt in the world. And the governments have too much debt.

This debt needs to be refinanced so they cannot have "high" rates... it'd bankrupt them.

So even though inflation has not been fully tamed, they're now starting a rate cut cycle that we believe will continue on and off into Spring 2026.

We chatted with Richard Dias, one of the best Canadian economic analysts, to break this all down.

We were recording right after the cuts and have now released the chat...

You can click right here to check out that podcast now:

The next few months are going to be wild as central banks ease into a global economy that has some sectors serging (data centres, A.I.) and some sectors hurting (real estate).

Let's see how this goes.

Until next time...continue working on your Jedi skills and we'll see you on Saturday October 18, 2025 at the next Your Life. Your Terms. Event!

Tom & Nick

What If Your Next Investment Property Only Required a $10,000 Down Payment?

Real estate investors who are thriving aren’t the ones waiting for perfect conditions – they’re the ones getting creative. Whether it’s cash in hand or equity you can access, the key is keeping capital available so you can jump on the right opportunities.

That’s where Calvert Home Mortgage comes in. We specialize in short-term mortgage solutions built for real estate investors, like our low down payment ($10K) Flip/BRRR (Buy, Renovate, Rent, Refinance) mortgage option.

Instead of locking $50K+ into a down payment for a single property, you can keep your capital working by funding renovations that increase value, covering carrying costs, or jumping on the next great deal.

Here’s how it plays out in real life:

This real estate investor completed three flips in 15 months by putting $10K down on the first two properties and $55K on the third.

That’s only $75,000 in total down payments to acquire over $1.7M in real estate and pocket $155,000 in profit*.

Flip Details

Mortgage Details

By keeping capital free, they were able to fund renovations, cover carrying costs, and move quickly when the right opportunities came up.

Your next project could be closer than you think. With fast approvals, flexible terms, and common-sense underwriting, Calvert Home Mortgage makes it easier for real estate investors to keep their portfolios growing.

👉 Watch this short video to learn more about the Flip/BRRR process and how Calvert Home Mortgage can support you and your real estate investments.

*Net profits are not guaranteed and will vary depending on the project. Interest rates and fees are determined on a deal-by-deal basis. Rates are subject to change. Contact Calvert Home Mortgage for current rates.