The Equity Builders Club Podcast

Terrie from The Equity Builders Club
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Terrie Schauer from the Real Escape Investing Podcast shares her method for escaping the constraints of time, income and geography with the vehicle of real estate investing. By hacking the investing game, Terrie was able to support her family, train as an elite combat athlete, and live abroad. She’s sharing how you can use Real Estate investing to live your dreams too. Discover how you can reach financial freedom and get your life back with real estate. Hosted on Ausha. See ausha.co/privacy-policy for more information.

  1. 5D AGO

    How to Analyze a 5-Plex or 6-Plex in 10 Minutes

    If you’re analyzing a 6 plex in Canada and opening Excel before you’ve made a basic decision, you’re wasting time. In this episode, I walk through how to analyze a 6-plex in 10 minutes or less — the exact mental framework I use when evaluating small multifamily deals in Montreal. This is practical rental property underwriting without fluff, theory, or complicated spreadsheets. We cover: – The gatekeeper filters that eliminate bad deals instantly – A back-of-the-napkin NOI and debt service reality check – Risk scanning for tenant issues, CapEx exposure, and lease structure – Clear go / no-go criteria If you want to get faster and more confident at multifamily deal analysis in Canada, this episode will sharpen your process immediately. Want to go deeper? 🎟️ Join us at an upcoming Equity Builders Club event in Montreal: https://www.equitybuildersclub.com/events (Use code ML5 for $5 off) 📞 Book a free 30-minute strategy session to review your portfolio: https://www.equitybuildersclub.com/book-a-discovery-call 🎙️ Listen to the Equity Builders Club Podcast: https://equitybuildersclub.com/podcast 📘 Get Mindful Landlord on Amazon. Hosted on Ausha. See ausha.co/privacy-policy for more information.

    15 min

  2. FEB 25

    The Hidden Risks That Kill Small Rental Portfolios

    Most small landlords don’t fail because they can’t calculate cap rates. They fail because they underestimate risk. In this episode, we break down real estate risk management for small investors and the landlord mistakes that quietly erode returns over time. From bad debt and tenant risk to regulatory crackdowns, non-conforming properties, and personal burnout, the biggest threats to your rental portfolio often aren’t the ones on your spreadsheet. If you own rental property in Canada - especially small multifamily - understanding rental property risk isn’t optional. It’s the difference between sustainable cash flow and constant stress. We cover: – Bad debt and bad tenant risk – Non-conforming and “weird” properties (commercial overlays, illegal conversions, zoning exposure) – Regulatory risk (Airbnb bans, rooming house enforcement, rental law changes) – Personal burnout risk and operational overload If you want to build a portfolio that survives cycles, this episode will change how you think about risk Want to go deeper? 🎟️ Join us at an upcoming Equity Builders Club event in Montreal: https://www.equitybuildersclub.com/events (Use code ML5 for $5 off) 📞 Book a free 30-minute strategy session to review your portfolio: https://www.equitybuildersclub.com/book-a-discovery-call 🎙️ Listen to the Equity Builders Club Podcast: https://equitybuildersclub.com/podcast 📘 Get Mindful Landlord on Amazon. Hosted on Ausha. See ausha.co/privacy-policy for more information.

    20 min

  3. FEB 18

    Lease Transfers (Cession de bail) in Quebec: What Landlords Can Refuse in 2026

    Lease transfers — known in Quebec as cession de bail — are one of the most misunderstood parts of Quebec rental law, especially for small duplex, triplex, and plex owners in Montreal. Can a landlord refuse a lease transfer? What qualifies as a “serious reason” under Quebec law? Are you allowed to increase the rent? And what happens if you refuse for the wrong reason? In this episode, Terrie breaks down how lease transfers actually work under Quebec’s rental framework, what the Rental Board (TAL | Tribunal administratif du logement) looks at in real cases, and how small landlords can protect themselves in 2026. With vacancy rates shifting and tenant mobility increasing across Montreal and Quebec, understanding the lease transfer process is essential for protecting your rental income and avoiding costly mistakes. This episode covers: – The difference between a lease transfer and a sublease – When a landlord can legally refuse a transfer – What counts as a “serious reason” – Screening best practices in Quebec – How market conditions affect lease transfer strategy If you’re a small or mom-and-pop real estate investor in Quebec, this episode will help you navigate lease transfers strategically. Want to go deeper? 🎟️ Join us at an upcoming Equity Builders Club event in Montreal: https://www.equitybuildersclub.com/events (Use code ML5 for $5 off) 📞 Book a free 30-minute strategy session to review your portfolio: https://www.equitybuildersclub.com/book-a-discovery-call 🎙️ Listen to the Equity Builders Club Podcast: https://equitybuildersclub.com/podcast 📘 Get Mindful Landlord on Amazon. Hosted on Ausha. See ausha.co/privacy-policy for more information.

    22 min

  4. FEB 11

    Why Paying Off Your Mortgage Early Is a Terrible Financial Strategy (For Investors and Homeowners)

    Paying off your mortgage early is often framed as the ultimate financial win, peace of mind, freedom, and “no debt.” But from an investment and wealth-building perspective, it’s usually a bad decision. In this episode, we break the discussion into two parts. First, we explain why aggressively paying down mortgages on investment properties destroys returns. Interest is a business expense. Real estate wealth comes from leverage, appreciation, rent growth, and refinancing, not from racing to zero debt. If spending $10 to make $20 sounds like a good deal, your mortgage should be viewed the same way. Then we tackle the harder, more emotional question: why paying off your personal home loan early is often a mistake too. This comes down to the time value of money. Would you rather have $1 today or $1 twenty-five years from now? Inflation, opportunity cost, and capital flexibility all work against early mortgage repayment — even when interest isn’t tax-deductible. This episode challenges conventional wisdom around debt, explains why interest isn’t something to fear, and reframes mortgages as a tool, not a burden, when used correctly. If you’ve ever been told that being mortgage-free is the safest path to financial independence, this episode will change how you look at your home, your investments, and your money. Join us at an upcoming Equity Builders Club event or book a free strategy call with Terrie to talk through your systems, growth, and next steps. Events: https://www.equitybuildersclub.com/events Strategy Call: https://www.equitybuildersclub.com/book-a-discovery-call Hosted on Ausha. See ausha.co/privacy-policy for more information.

    26 min

  5. FEB 4

    Rising Vacancy Rates in Canada: What Montreal & Quebec Real Estate Investors Should Do

    Vacancy rates are trending up across Canada and Québec is no exception. In today's show, we break down what the data is actually showing, what we’re seeing firsthand inside our investor group, and how Montréal and Québec landlords should be thinking about risk over the next few months. This isn’t a sky-is-falling episode, it’s a reality check and a pep talk for when the market fundamentals shift. We look at recent vacancy trends in Canadian rental markets, how they’re showing up differently across asset types, and why some landlords are already feeling pressure while others aren’t. I also share my July outlook, including the indicators I’m watching closely and what they suggest about tenant demand heading into late summer and early fall. Most importantly, we focus on actionable steps smaller landlords can take now before vacancies turn into prolonged cash-flow problems. This episode tracks unit positioning and operational decisions that quietly compound risk and what you can do about it. We want you to stay ahead of the curve, not react after the fact. In this episode, you’ll learn: What current vacancy data is really telling us in Canada and Québec Patterns emerging inside our investor community on the ground My short-term outlook for July and early Q3 Practical ways small and mid-size landlords can reduce vacancy risk How to think about tenant demand, pricing, and execution in a shifting market If you own rental property in Montréal or anywhere in Québec especially if you’re a smaller operator, this episode will help you make clearer, calmer decisions in a market that’s changing faster than the headlines suggest. Join us at an upcoming Equity Builders Club event or book a free strategy call with Terrie to talk through your systems, growth, and next steps. Events: https://www.equitybuildersclub.com/events Strategy Call: https://www.equitybuildersclub.com/book-a-discovery-call Hosted on Ausha. See ausha.co/privacy-policy for more information.

    30 min

  6. JAN 28

    Digital Wisdom for Real Estate Investors: Why You Shouldn’t Automate or Delegate Before You Understand

    Episode Description Everyone wants to automate, delegate, and scale, but most people try to skip the part where they actually understand the work. In this episode, I talk about digital wisdom: why automation without understanding creates risk, not freedom, and how small business owners and real estate investors end up building fragile systems they can’t supervise, fix, or trust. We cover: Why you should never automate or delegate a task you can’t do yourself How using “cheap” or home-built software quietly costs you time and money Why best-in-class tools matter if you want to hire, delegate, and grow How choosing industry-standard systems makes scaling (and replacing yourself) possible Why digital threats are real business risks, and what I learned after our property management software was hacked If you’re building a business that relies on systems, software, or people, and you want it to scale without breaking. This episode will help you think more clearly about what to automate, what to learn first, and what to take seriously before something goes wrong. Want to go deeper? Join us at an upcoming Equity Builders Club event or book a free strategy call with Terrie to talk through your systems, growth, and next steps. Events: https://www.equitybuildersclub.com/events Strategy Call: https://www.equitybuildersclub.com/book-a-discovery-call Hosted on Ausha. See ausha.co/privacy-policy for more information.

    29 min

  7. JAN 21

    Listen Before You List: A Step-by-Step Checklist for Selling a Rental Property

    Listen Before You List: A Step-by-Step Checklist for Selling a Rental Property Selling a rental property isn’t just about putting a sign on the lawn — it’s a legal, financial, and strategic process that can cost you real money if you get it wrong. In this episode, we walk through a practical, step-by-step checklist for selling a rental or multi-unit property, starting after you’ve already decided to sell. This is the episode you save and come back to when things get real. We cover: How to choose the right broker (and why this decision can save you thousands) How to develop a smart listing and pricing strategy using real comparable sales How to think about timing, buyer type, and fast closes vs. maximum price What information to disclose — and what not to volunteer How to navigate offers and negotiations What to do after the notary: out-boarding, tenants, utilities, insurance, and capital gains planning Whether you’re selling a duplex, a small multi-unit, or a larger income property, this episode gives you the framework professional investors use to protect their bottom line. 🎧 Listen now — and listen before you list. Book a free strategy call, explore our 2026 Mastermind, or attend our upcoming Equity Builders Club networking events to start building the systems that make financial independence possible. Equity Builders Club Events - https://www.equitybuildersclub.com/events Book a discovery call - https://www.equitybuildersclub.com/book-a-discovery-call Explore our 2026 Mastermind after booking a discovery call- https://www.equitybuildersclub.com/book-a-discovery-call Hosted on Ausha. See ausha.co/privacy-policy for more information.

    30 min

  8. JAN 14

    Financial Independence Part 2: Burn Rate, Capital vs Income, and Smarter Wealth Decisions

    Financial independence isn’t a mindset or a destination. It’s a system built on math, discipline, and better financial decisions. In Part 2 of this series, Terrie Schauer breaks down the practical mechanics behind financial independence, starting with the most overlooked number in personal finance: your burn rate. Without knowing what your lifestyle actually costs, it’s impossible to replace income or build sustainable passive cash flow. This episode explores the critical difference between capital and revenue, why spending capital on lifestyle is one of the most common traps high earners fall into, and how real estate investors can structure income to support long-term independence. Terrie also explains income efficiency inside real estate investing, including the difference between sale proceeds and refinance money, how tax deferral works, and why avoiding taxes at all costs can lead to suboptimal investment decisions. Sometimes selling is the right move—the key is understanding opportunity cost and capital velocity. In this episode, we cover: • What financial independence actually requires • How to calculate and control your burn rate • Capital vs revenue—and why most people get it wrong • Using passive income to fund lifestyle without eroding wealth • Sale vs refinance strategies in real estate • Tax efficiency, opportunity cost, and capital velocity If you listened to Part 1, this is the “okay, now what?” episode. Book a free strategy call, explore our 2026 Mastermind, or attend our upcoming Equity Builders Club networking events to start building the systems that make financial independence possible. Equity Builders Club Events - https://www.equitybuildersclub.com/events Book a discovery call - https://www.equitybuildersclub.com/book-a-discovery-call Explore our 2026 Mastermind after booking a discovery call- https://www.equitybuildersclub.com/book-a-discovery-call Hosted on Ausha. See ausha.co/privacy-policy for more information.

    29 min
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5
out of 5
11 Ratings

About

Terrie Schauer from the Real Escape Investing Podcast shares her method for escaping the constraints of time, income and geography with the vehicle of real estate investing. By hacking the investing game, Terrie was able to support her family, train as an elite combat athlete, and live abroad. She’s sharing how you can use Real Estate investing to live your dreams too. Discover how you can reach financial freedom and get your life back with real estate. Hosted on Ausha. See ausha.co/privacy-policy for more information.

Information

  • Creator
    Terrie from The Equity Builders Club
  • Years Active
    2020 - 2026
  • Episodes
    203
  • Rating
    Clean
  • Copyright
    © Copyright 2026 All rights reserved.
  • Show Website
    The Equity Builders Club Podcast

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