Keys and Capital

A smarter conversation about real estate, mortgages, and wealth building. Co-hosted by Mortgage Strategy Specialist Jonah Hoyos and investment-focused Realtor Zack Brittain, Keys & Capital shows you how to put the equity you already have to work, turning your home and your next property into a long-term wealth engine instead of just a monthly payment. Practical strategies, real scenarios, and clear guidance for Ontario homeowners and investors ready to build.

Keys and Capital is a business podcast hosted by Unknown Host, with 13 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Keys and Capital, a business show with 13 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Keys and Capital

  Every Smith Manoeuvre Accelerator Strategy RANKED (S to D Tier)

  Sep 3, 202620 min

  If you’re considering the Smith Manoeuvre and want to understand what it could look like with your own mortgage and financial situation, and would like me to run your own numbers, you can access the Smith Manoeuvre Certified Professional Calculator Here: https://www.smithmancalculator.ca/start/x6foe1wwwyiik7b8vqjztiexttd8rwc4 Not all Smith Manoeuvre accelerator strategies are created equal. In this video, I’m ranking some of the most common Smith Manoeuvre strategies from S Tier to D Tier based on how powerful, practical, and efficient I believe they can be. We cover: • The Plain Jane Smith Manoeuvre • Business Cash Flow Damming • Smith Manoeuvre Light • Dividend Prepayment & Reinvestment (DRIP) • The Debt Swap • Rental Cash Damming • Cash Flow Diversion • Prime the Pump I break down how each strategy works, where I think it makes sense, and some of the trade-offs to consider. Some strategies simply redirect cash flow you already have. Others can involve additional leverage and significantly more risk. And one strategy in particular gets my S Tier ranking because of just how quickly it can potentially accelerate the conversion of non-deductible mortgage debt into deductible investment debt. This content is for educational purposes only and is not financial, investment, legal, accounting, or tax advice. Speak with the appropriate licensed professionals before implementing any strategy discussed. Jonah Hoyos | Smith Manoeuvre Certified Professional | Tango Financial Lic. 13691 Mortgage Agent Lvl. 1

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  Keys and Capital

  You Don't Need 20% Down to Buy an Investment Property in Canada (Here's the Real Math)

  Aug 8, 202617 min

  Have a specific scenario you want run? Book a free call at www.chatwithjonah.com Reach Zack directly at Zack@phippsbrittain.com If you think you're stuck because you don't have 20% down for an investment property, that assumption might be costing you your next deal. Most new investors either overestimate what they need and stay on the sidelines, or underestimate and get blindsided at closing. In this episode of the Keys and Capital Show, Zack Brittain and I break down exactly how much cash you actually need, using a real $700,000 duplex in Waterloo Region run through three different financing scenarios side by side. Jonah Hoyos is a Smith Manoeuvre Certified Professional and mortgage agent Level 1 with Tango Financial, FSRA licence #13691. Zack Brittain is a real estate sales representative with Flux Realty Brokerage in Kitchener, Ontario. This content is for educational and informational purposes only and should not be taken as legal, financial, or tax advice. Always consult a professional for advice tailored to your circumstances.

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  Keys and Capital

  Every Type of Real Estate Investment Explained (And How to Finance Each One)

  Jul 28, 202629 min

  Want to know what you can actually qualify for on your next investment property? Book a free call at www.chatwithjonah.com Reach Zack directly at Zack@phippsbrittain.com Most people have one picture in their head when they hear "investment property." A single family home, or maybe a pre-construction condo downtown. But there's a whole menu, and the asset type you choose determines your down payment, your cash flow, and how far you can scale, before you even write the offer. In this episode of the Keys and Capital Show, Zack Brittain and I walk the entire ladder from single family rentals all the way to infill development projects. Zack covers the pros and cons from a realtor, investor, and owner-operator perspective, and I break down what the financing actually looks like at each rung.

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  Keys and Capital

  Baby Steps to Buying Your First Rental Property: Home Equity, Financing & Deals That Cash Flow

  Jul 21, 202639 min

  Most people think you need a big pile of cash to buy your first rental property. You don't, especially if you already own a home in Ontario. Realtor Zack Brittain and mortgage agent Jonah Hoyas break down the baby steps to your first door: how to unlock your down payment with a HELOC, refinance, or readvanceable mortgage; how debt service ratios really work (and why $600/month in payments can cost you ~$80–100K in borrowing power); the "First Date" strategy for narrowing your property search; why a 7/10 property in a 10/10 location beats the shiny listing; and how to run the numbers so your first deal actually cash flows. Plus: the properties lenders love (and the ones they won't touch), what happens between accepted offer and closing, and the three non-negotiable rules for your first investment property. Questions about your first door? Book a call with Jonah at www.chatwithjonah.com or email Zack at Zack@phippsbrittain.com . Zack Brittain is a real estate sales representative with Flux Realty Brokerage in Kitchener, Ontario. Jonah Hoyas is a Smith Manoeuvre certified professional and mortgage agent (Level 1) with Tango Financial, FSRA licence #13691. This content is for educational and informational purposes only and should not be taken as legal, financial, or tax advice. Always consult a professional for advice tailored to your unique circumstances.

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  Keys and Capital

  Smith Manoeuvre Accelerators: The Strategies That Compress a 25-Year Mortgage Into 10 (Part 2)

  Jun 26, 20269 min

  Want to know if the Smith Manoeuvre works for your numbers? Book a free call at www.chatwithjonah.com The basic Smith Manoeuvre works. But on its own it takes 15 to 20 years to fully convert your mortgage. In this video I show you how to compress that timeline dramatically, including one accelerator that can take a 25-year mortgage down to under 10. I also cover the part that almost nobody explains correctly: the lender rules that decide whether this strategy even works for you. Get this wrong and the whole thing quietly stalls. This is Part 2 of my three-part Smith Manoeuvre series. If you haven't seen Part 1, watch that first. Link is in the description. Here's what we cover in this video: The debt swap: how to instantly convert dormant savings or a paid-up GIC into tax deductible investment debt without changing your budget Cash flow diversion: how to reroute existing monthly savings through your mortgage first so your deductions grow every month without spending an extra dollar Cash damming: how landlords and business owners can use rental income to vaporize a 25-year personal mortgage in under 10 years The DRIP accelerator: how to make your dividends do two jobs at once Prime the pump: the one true leverage move in this strategy and why it requires eyes wide open The OSFI 65% rule: the government-imposed cap that throttles your readvancing and why most people don't know it exists Why picking the right lender is not a detail, it is the strategy, and how different lenders handle readvancing above the threshold in completely different ways The traceability rule: why your Smith Manoeuvre investments need a dedicated account that does one thing and one thing only The registered account trap: why moving your Smith Manoeuvre portfolio into a TFSA or RRSP will cost you your deductions and trigger a deemed disposition Smith Manoeuvre Light: the decelerator for anyone who wants to ease into this without going all in The Fraser Finagle: the final move named after the man who created the strategy and why it keeps compounding at a lower cost of borrowing In Part 3 I stop talking theory and run a real case study live in the Smith Manoeuvre calculator so you can see exactly how the timeline, the tax refunds, and the ending net worth play out. I'm Jonah Hoyos, a Smith Manoeuvre Certified Professional and mortgage agent with Tango Financial in Ontario.

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