The Bottom Line Podcast with Luca, Antonio, and Mike.

Luca DeLeo, Antonio Catalano, and Michael D'Andrea
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Welcome to The Bottom Line Podcast, the podcast where two seasoned real estate agents and a mortgage broker come together to provide you with our truths about the world of real estate. We’re your hosts Luca DeLeo, Antonio Catalano, and Michael D’Andrea. We’re here to cut through the industry jargon and expose the nitty-gritty details of buying, selling, and financing your property.

Episodes

  1. 29/06/2024

    Ep. 12 | The Real Estate Game: Getting Started and Growing 

    Starting a real estate business can be exciting but also challenging. In this episode Tony, Mike and I  share our stories, the values that drive us, and what makes us passionate about helping you win in the real estate game. We chat about: Tony's background transition into the mortgage industry  Luca and Mike’s journey into real estate and creating DanDell Group Strategies for building and maintaining strong client relationships. Things we wish we knew as a young realtor Treating clients like family Staying persistent and overcoming rejections  The emotional highs and lows of the industry  Expanding our investment portfolio  Proudest moments in the industry The need for continuous growth and education in the real estate industry And more! Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    39 min

  2. 16/06/2024

    Ep.11 | The GTA Market: Questions for Your Realtor and Mortgage Broker

    Welcome Back! The real estate market in the GTA is highly competitive, with frequent bidding wars and strategic use of lower listing prices to attract multiple bids. To win in the GTA market, buyers, sellers, realtors, and mortgage brokers need to ask the right questions to make informed decisions and set realistic expectations. In this episode, we explore the competitive buying culture in the GTA and key questions you should be asking your mortgage broker/realtor and questions they should be asking on your behalf. We touch on : The impact of buying culture in the GTA on buyer behavior The psychological aspect of bidding wars and perceived value Challenges in communication between realtors, buyers and sellers The effect of instant access to property listings and market data on buyer expectations Questions to ask your realtor Questions to ask your mortgage broker Utilizing mortgage brokers for better options. The importance of due diligence and asking the right questions. And more! Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    39 min

  3. 14/06/2024

    Ep. 10 | New CMHC Rules: Implications for Homebuyers & Investors

    Welcome back! The recent federal budget announcement has introduced several key changes aimed at addressing housing affordability and market stability. While these changes offer new opportunities and challenges, their effectiveness and long-term impact remain uncertain. In this episode we breakdown the major changes and their potential implications for homebuyers and investors. Our discussion touches on: New CMHC rules  The extension of the amortization period for insured mortgages from 25 to 30 years.  Increase in allowable RSP withdrawals for first-time homebuyers from $35,000 to $60,000 and requirements for repaying the withdrawals Federal budget incentives focused on newly built homes The monopolization of the housing market and the implications for smaller builders. Increase in capital gains tax from 50% to 66% for profits over $250,000 and expected impact on investors and potential sell-off before the new tax takes effect Alternatives for Canadian investors, including investing in US real estate Increase in power of sales due to rising mortgage rates New rule allowing tenants to report rent payments to credit bureaus Assessing a real estate agent based on their Monopoly game performance And more! Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    38 min

  4. 17/05/2024

    Ep. 9 | Spring Market: Bestselling Mortgage Products

    Welcome back! In this episode, we delve into the dynamics of the spring real estate market. Despite high interest rates, there's a cautious optimism among buyers, especially first-time buyers. We explore current trends in mortgage products, the market's reaction to fluctuating rates, and the types of properties buyers are focusing on. Our conversation touches on: Current mortgage products Benefits of choosing fixed rates for stability and flexibility Types of properties first-time buyers can realistically afford and consider in the current market conditions Real conditions currently observed in the spring market, including typical terms and contingencies in property transactions The importance of attention to detail and negotiation skills Interest rate predictions  and their impact on the real estate market Practical tips for navigating real estate transactions. And more! Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    33 min

  5. 14/02/2024

    Ep. 8 | How To Get The Best Deal In A Real Estate Transaction

    Whether you're a seasoned realtor, a first-time homebuyer, or an investor, the ability to negotiate effectively can be the key to unlocking favourable deals and maximizing your outcomes.  In this episode, we explore the importance of negotiation in making deals, opportunities in Alberta and Florida markets and digitizing your mortgage business. Join us as we  explore the depths of these topics and uncover insights that will help to stay ahead of the curve. We chat about: Role of negotiation in securing the best deal for your clients. It is important to build rapport with other realtors and get negotiations going. If you don't have a good rapport with that agent. They can make your life difficult. Negotiating with lenders - Establishing and maintaining rapport with lenders facilitates smooth transactions and ensures favourable outcomes for the client. The challenges and opportunities in owning properties in Alberta and Florida markets -  Knowing the intricacies of these regions is key to successful deals.  How technology is revolutionizing the mortgage business.  Improving Client Communication with Digital Tools - Clients can get in touch with their agent quickly and easily, at a time that is convenient for them. Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    33 min

  6. 24/01/2024

    Ep. 7 | From Airbnb Myths to Real Estate Realities – Exploring the Bottom Line in Housing

    Welcome back! In this episode, we dive into the contentions on short-term rentals and their alleged impact on housing affordability. While the game of Airbnb can be appealing, a claim has surfaced, asserting that short-term rentals are significantly responsible for the surge in rental rates. But hold on, do our hosts buy into this narrative? In this episode, we chat about:  - The Airbnb Debate: Is it friend or foe to affordability? We critically analyze its potential impact on housing costs. - How to reposition underperforming properties and boost your cash flow through strategic choices. - Different lending products at various life stages. Mortgage products are available for everyone, with advantageous positions and tailored solutions. - Tips for preparing for the spring real estate market, including proper pricing, presentation, and collaboration with realtors. - We explore the potential effects of upcoming American elections on real estate market rates. - We caution against realtors who prominently feature themselves in property videos, suggesting a focus on showcasing the property. Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    33 min

  7. 10/01/2024

    Ep. 6 | Navigating 2024 Real Estate, TRESA Changes, and Your Strategic Choices

    Welcome back! In this episode, we dive into the crystal ball for 2024 real estate and mortgage forecasts. Rates are holding steady until March, with potential drops in April. Bond yields are on a downward spiral, bringing fixed rates with them. The sidelines are crowded with eager investors, ready to pounce at the slightest rate of pullback. Are you ready to join the game? In this episode, we chat about: - Learn about the game-changing updates in TRESA rules and regulations, including open bidding and designated representation. - We share a summer offer showdown story, squeezing an extra 25k from the top bidder. Remember, it's always your choice, and the right realtor can make all the difference. - Insights on self-representation and a crucial information guide from RECO. With 70k realtors and 70k sales this year, choose wisely in this ever-evolving real estate landscape.  Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    38 min

  8. 27/12/2023

    Ep. 5 | BOC Holds the Key: Current Real Estate Shifts & Outlook For 2024

    Welcome back! We hope you enjoyed your holidays with your friends & family. As we head into 2024, we thought it would be great to discuss the events that unraveled this fall. From a surge in inventory affecting buyer decisions to a decline as the holidays approached, the market has seen its fair share of twists. In the episode, we discuss: The highs and lows of the market, from a notable surge in inventory impacting buyer decisions to a subsequent decline in activity as the holiday season approached. The effects of Bank of Canada rate holds and inflation rates, uncovering their influence on the current market climate and what lies ahead in 2024. Unpacking the newly introduced Canadian Mortgage Charter, dissecting measures designed to benefit mortgage holders. This includes temporary extensions, waived fees, and stress test exemptions. Whether you're a buyer, seller, or simply curious about real estate, this episode provides valuable insights into the ever-changing landscape. Tune in for a mix of market analysis, personal narratives, and our personal bottom lines for everyone navigating the market. Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    33 min

  9. 25/10/2023

    Ep. 4 | Profits in the Details: Choosing the Right Airbnb Property Investment

    Embarking on the journey of establishing your own Airbnb business is an enticing venture, often romanticized as a simple path to financial prosperity. The notion seems easy: secure a property, elevate its value, list it on the platform, and watch as a list of eager guests queue up to reserve your space. It appears effortless, luring a growing number of people into this dynamic realm of real estate investing. But the realities of Airbnb are more nuanced than meets the eye. As seasoned real estate experts and seasoned Airbnb entrepreneurs, we've gone through the highs and lows of this investment space. In this episode, we delve into our experience, offering invaluable insights into the art of property acquisition for Airbnb, and managing an Airbnb business. Our conversation encompasses: Discerning the art of identifying profitable Airbnb investments Navigating the intricacies of mortgage procedures for Airbnb property acquisitions A Glimpse into the Airbnb ventures of Mike and Luca, and the knowledge they’ve gained from owning several properties AirBnB horror moments Social media’s Influence on glamourising AirBnB and how it’s misleading people And more! Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    28 min

  10. 11/10/2023

    Ep. 3 | The Real Deal: A Deep Dive Into Buying & Selling Your Home

    The good ol questions in real estate, “when should you sell? Or “when should I buy?” These are questions that you’ll get different answers on all the time depending on who you’re speaking to.  In this episode, we provide you with our perspective on the common trends we notice in people when they’re looking to buy and sell. There are a lot of factors that go into making these decisions but we’re going to break down what certain things you need to have to make the best informed decision for you or your family. We dive deep into: The crucial aspect of determining when the right time to sell is. From market trends to personal considerations, we break down the factors that can influence this significant decision. Having the right agent for your property and why they should be going above & beyond to get the right deal for you.  We discuss the fine balance between pricing your property right and the pitfalls of overpricing. Learn how strategic pricing can be your key to a successful sale. Is real estate a better investment than stocks, or is it the other way around? We break down the pros and cons of both, helping you make an informed decision that aligns with your financial goals. Getting the right mortgage is pivotal. Antonio demystifies the mortgage process, offering insights into securing the best deals and avoiding common pitfalls. And more! Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    29 min

  11. 27/09/2023

    Ep. 2 | From Dream to Reality: Navigating the First-Time Home Buying Myths

    Welcome back to episode 2 of The Bottom Line podcast with Luca, Antonio, and Mike. Being in the industry has illuminated certain beliefs we commonly see with our prospective clients . The constant rhetoric is you need a certain amount of money to buy your first home, when to get into the market, and flux of do’s and don'ts when deciding to invest in a property.  In today’s episode we are going to debunk these misconceptions and provide you with a first hand experience of how we’ve made it happen for ourselves, and clients. On the show we discuss: How long should you be renting for Misconceptions with first time home buyers Options for first time buyers Getting into the market Co–signer & guarantors  Timing the market Precon debunked Buying at first sight Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    32 min
  12. Ep. 1 | Welcome To The Bottom Line Podcast

    20/09/2023

    Ep. 1 | Welcome To The Bottom Line Podcast

    Welcome to episode 1 of The Bottom Line Podcast! This show is hosted by Luca DeLeo, Antonio Catalano, & Michael D’andrea. We’re two real estate agents, and a mortgage broker within the Greater Toronto Area coming together to educate the masses about real estate in a fun & enjoyable way.  Join us on this journey as we provide you with real estate information that will aid you in buying & selling your property. In this very first episode, we provide you with our personal backgrounds, what led us to be real estate professionals, and why we started this podcast. We discuss:  Why we called the podcast “The Bottom Line” Our personal & professional backgrounds Our expertise within the industry What you can expect from this podcast moving forward Make sure to rate & review the podcast on all streaming platforms and subscribe to our YouTube channel! Send us a DM at @thebottomlinelma on Instagram to share your personal Bottom Line on the episode or if you have any questions regarding real estate!

    27 min
  • 12 Episodes

About

Welcome to The Bottom Line Podcast, the podcast where two seasoned real estate agents and a mortgage broker come together to provide you with our truths about the world of real estate. We’re your hosts Luca DeLeo, Antonio Catalano, and Michael D’Andrea. We’re here to cut through the industry jargon and expose the nitty-gritty details of buying, selling, and financing your property.

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