INVEST THE DOWN PAYMENT INSTEAD$0
Property value at retirement$0
Mortgage remaining$0
Cash fed in over the years$0
Surpluses banked & grown$0
Equity + banked surpluses$0
The pension you can drive past
A rental bought twenty years before retirement is a pension plan with a street address: the tenant amortizes the mortgage, and the rent that once fed the bank becomes income the month the balance hits zero. What the brochures skip is the feeding — the operating costs, the vacancies, the taxes, and the years the cheque runs the wrong way. This page prices all of it, and puts the result honestly beside the laziest alternative: the same down payment, quietly compounding. Owners running rentals often pair this with cash damming to make the home mortgage deductible along the way.
Financing the purchase, the renewal strategy, and the leverage that survives lender scrutiny — the property side of the retirement plan is this desk's work.
Arrange a confidential introduction
Ramin Hallaji, Principal — licensed in British Columbia (BCFSA) and Alberta, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca
Illustration only — not investment, tax, or financial-planning advice, and not an offer of financing. Constant rates and smooth growth stand in for lumpy reality: repairs cluster, tenants leave, rates renew. The model taxes rental income (rent less operating costs less mortgage interest) at your marginal rate, ignores CCA and its recapture, and treats appreciation as unrealized — selling costs and capital-gains tax on an eventual sale are the accountant's file. The portfolio alternative receives every dollar the rental would have needed, so neither side gets free money. Rentals need 20%+ down and qualify on their own rules; everything is confirmed per file. Private Wealth Financing arranges mortgage financing only.