I lost everything in 2007 and rebuilt a $100M+ real estate portfolio without the bank. Now I show everyday people how. About Me: In 2007 I lost it all. Not "had a rough year" lost it, I mean the recession took the whole thing down to zero. We did all of our investing in Alberta, and had to rebuild from scratch after moving to the Okanagan. Over 300 deals later, more than $100 million in transactions, and a portfolio built on creative financing, seller financing, partnerships, and private lending. Deals most people think you need a bank and perfect credit to do. You don't. I've done them without either. That's what this community is about. Not theory from someone who read a book, real strategies from someone who has been broke, been burned, and figured out what actually works on the street. Condos, mobile homes, low money down, no bank qualifying, lease options, rent to own. The stuff they don't teach you anywhere else. Today I run a real estate investing education platform, host the Okanagan Real Estate Investment Group, and own houses, condos, development properties plus a 100-unit storage facility in West Kelowna. I'm still doing deals, still learning, still testing everything in real life before I ever teach it. If you want to build real financial freedom through real estate, whether you want to invest passively or learn to structure your own deals, you're in the right place. Come as you are. Ask questions. The more you talk, the more you learn. You get access to my Free Tools when you get started here on my Skool. I'm glad you're here. Julie, the Street Smart Diva

If homeownership is your goal, do not wait until you are applying for financing to check your credit. Use Credit Karma as a starting point, then consider reviewing your information through Equifax Canada and TransUnion Canada. Your credit report is information, not a verdict. The earlier you understand it, the more time you have to make better decisions. I host the free Denied-to-Keys training every Tuesday at 6:00 p.m. Pacific Time. Register here: https://okanaganreig.com/d2k-webinar-landing-page What is your biggest credit question right now?

I’m standing inside a vacant home owned by a motivated seller. The seller lives outside the country, doesn’t want to manage a remote rental, and doesn’t want to sell the property for a huge discount. That creates the possibility of a creative solution that could work for both sides. Potentially: - The seller gets relief from carrying costs - The buyer gets a path toward homeownership - The deal is structured around the actual situation instead of a bank’s standard checklist - I’ve personally purchased two homes for my family using creative strategies, even after a 420 credit score, bankruptcy, and foreclosure. That doesn’t mean every deal works. It means there may be more than one path. I’m breaking down how to identify and evaluate opportunities like this during my free webinar: Denied-to-Keys: How High-Income Renters Can Explore Homeownership Through Creative Financing Tuesday, August 25 at 6:00 PM Pacific Register here: D2K Webinar Landing page - Okanagan Real Estate Investment Group Comment KEYS and I’ll send you the link.

Success Story.... "Denied" to KEYS! Trisha and Mike knew their credit needed some work. Most banks wouldn't even look at their application. They always wanted a home of their own — but never actually thought they'd get to own one. On top of that, their kids kept getting sick from renting bad houses from bad landlords, and every year that passed felt like another year stuck. Here's what they DID have going for them: Desire Decent jobs Some down payment already saved That was enough. No bank. No mortgage application. Just a plan built around what they already had — instead of waiting years to fix their credit first. Since moving into their new home: Their kids' health has dramatically improved They've kept their credit clean They're already saving toward their next down payment Mike landed a better-paying job — the promise of homeownership gave him new motivation I walk through their whole story in the video. If you're a renter who's been told "come back when your credit is better," this one's for you. Comment KEYS and I'll send you the link to see how it's done. https://okanaganreig.com/d2k-webinar-landing-page

Hey there! I am here to remind you of our Q and A tomorrow happening right here on Skool! It's an exciting time to be in real estate for sure! I will be talking about my journey back to Homeownership after going through bankruptcy and foreclosure. It's a doozie of a story and also a story of HOPE. So many people think they cannot buy. I assure you. If I can go from 17 foreclosures on my credit bureau and a 420 credit score to Home Ownership, YOU CAN TOO! Below is the link: https://www.skool.com/live/g22bbxVjtZb