FREE LIVE WORKSHOP · THURSDAY, NOVEMBER 12 · 7:00 PM ET ON ZOOM
FREE LIVE WORKSHOP · TUESDAY, NOVEMBER 17 · 7:00 PM EST ON ZOOM
CASH
DAMMING
DECODED
LIVE EDUCATION SESSION FOR CANADIAN HOMEOWNERS WITH A RENTAL
Your mortgage may be the most powerful financial tool you own. Learn how rental cash damming, an advanced version of the Smith Manoeuvre, puts it to work. One hour, plain language, live Q&A.
DATE
Tues, Nov 17, 2026
TIME
7:00 to 8:00 PM EST
WHERE
Live on Zoom
COST
FREE
LIVE EDUCATION SESSION FOR CANADIAN HOMEOWNERS WITH A RENTAL
CASH
DAMMING
DECODED
Your mortgage may be the most powerful financial tool you own. Learn how rental cash damming, an advanced version of the Smith Manoeuvre, puts it to work. One hour, plain language, live Q&A.
DATE
Thu, Nov 12, 2026
TIME
7:00 to 8:00 PM ET
WHERE
Live on Zoom
COST
FREE
WHY THIS MATTERS
MOST HOMEOWNERS ONLY USE THEIR MORTGAGE ONE WAY
You make the payment, the balance goes down slowly, and that is the end of it. If you also own a rental, there is a smarter way to organize the money that is already moving through your accounts every month.
LEVERAGE
YOUR MORTGAGE IS A TOOL
Most Canadians never think of their mortgage as flexible. With the right structure, it can help you make real headway instead of just sitting there.
AN OLD IDEA
USED FOR DECADES
Wealthier Canadians have structured their debt this way for a long time. We will cover where the strategy came from and why it works.
STRUCTURE
ORGANIZE YOUR DEBT ON PURPOSE
Small changes to how your mortgage and rental money flow can help you pay down your home faster, just by making your regular payments.
WHY THIS MATTERS
MOST HOMEOWNERS ONLY USE THEIR MORTGAGE ONE WAY
You make the payment, the balance goes down slowly, and that is the end of it. If you also own a rental, there is a smarter way to organize the money that is already moving through your accounts every month.
LEVERAGE
YOUR MORTGAGE IS A TOOL
Most Canadians never think of their mortgage as flexible. With the right structure, it can help you make real headway instead of just sitting there.
AN OLD IDEA
USED FOR DECADES
Wealthier Canadians have structured their debt this way for a long time. We will cover where the strategy came from and why it works.
STRUCTURE
ORGANIZE YOUR DEBT ON PURPOSE
Small changes to how your mortgage and rental money flow can help you pay down your home faster, just by making your regular payments.
THE BIG PICTURE
HOW RENTAL CASH DAMMING WORKS
The idea is simple. Instead of letting your rent pay the rental's bills, you point it at your home mortgage. A line of credit attached to your mortgage covers the rental's costs.
Rent goes to your home
Rent from your rental is used to pay down your home mortgage faster.
Room opens up
With the right kind of mortgage, what you pay down becomes available on your line of credit.
The line covers the rental
That line pays the rental's costs, so the property keeps running as usual.
Your accountant handles the tax side. On this call we keep it to the concept, the mortgage structure that makes it work, and the questions to bring to your accountant.
THE BIG PICTURE
HOW RENTAL CASH DAMMING WORKS
The idea is simple. Instead of letting your rent pay the rental's bills, you point it at your home mortgage. A line of credit attached to your mortgage covers the rental's costs.
Rent goes to your home
Rent from your rental is used to pay down your home mortgage faster.
Room opens up
With the right kind of mortgage, what you pay down becomes available on your line of credit.
The line covers the rental
That line pays the rental's costs, so the property keeps running as usual.
Your accountant handles the tax side. On this call we keep it to the concept, the mortgage structure that makes it work, and the questions to bring to your accountant.
AGENDA
WHAT WE WILL COVER IN 60 MINUTES
FOUNDATION
THE SMITH MANOEUVRE, QUICKLY
What it is, where it came from, and how rental cash damming builds on it.
THE IDEA
WHY IT WORKS
The basic logic behind the strategy, explained without the jargon.
ANDREW
THE RIGHT MORTGAGE
How readvanceable mortgages work, what lenders look for, and why timing around your renewal matters.
ZACH
THE LANDLORD'S VIEW
How this fits into owning and running rental property day to day.
FIT
WHO IT SUITS
The situations where this makes sense, and the ones where it does not.
LIVE
YOUR QUESTIONS
Open Q&A with both hosts. Bring your situation and we will talk it through.
AGENDA
WHAT WE WILL COVER IN 60 MINUTES
FOUNDATION
THE SMITH MANOEUVRE, QUICKLY
What it is, where it came from, and how rental cash damming builds on it.
THE IDEA
WHY IT WORKS
The basic logic behind the strategy, explained without the jargon.
ANDREW
THE RIGHT MORTGAGE
How readvanceable mortgages work, what lenders look for, and why timing around your renewal matters.
ZACH
THE LANDLORD'S VIEW
How this fits into owning and running rental property day to day.
FIT
WHO IT SUITS
The situations where this makes sense, and the ones where it does not.
LIVE
YOUR QUESTIONS
Open Q&A with both hosts. Bring your situation and we will talk it through.
FIT
IS THIS SESSION FOR YOU?
LIKELY A GOOD USE OF YOUR HOUR
• You own your home and at least one rental, or a home with a rented suite
• You have built up equity in your home
• Your mortgage renewal is coming up in the next year or two
• You want to understand the strategy before talking to your accountant
PROBABLY NOT FOR YOU YET
• You do not own a home yet
• Your monthly cash flow is already tight
• You want detailed tax advice. That belongs with your accountant
• You are looking for an investment opportunity. None will be offered
FIT
IS THIS SESSION FOR YOU?
LIKELY A GOOD USE OF YOUR HOUR
• You own your home and at least one rental, or a home with a rented suite
• You have built up equity in your home
• Your mortgage renewal is coming up in the next year or two
• You want to understand the strategy before talking to your accountant
PROBABLY NOT FOR YOU YET
• You do not own a home yet
• Your monthly cash flow is already tight
• You want detailed tax advice. That belongs with your accountant
• You are looking for an investment opportunity. None will be offered
YOUR HOST
WHO YOU WILL HEAR FROM
HOST · REAL ESTATE INVESTOR
ZACH CAHILL
Zach is a full-time real estate investor and operator based in Ontario, working mainly in Sudbury and London. He is the founder of Rent Live Own, a rent-to-own housing company, and has been involved in more than 250 real estate transactions over the past seven years.
On this call Zach shares the landlord's side: how rental owners can think about their mortgage as part of their overall plan.
CO-HOST · MORTGAGE BROKER
ANDREW MACDONALD
Andrew is a mortgage broker who helps homeowners and real estate investors set up readvanceable mortgages for the Smith Manoeuvre and rental cash damming. He will explain how these mortgages work and what to plan for.
YOUR HOST
WHO YOU WILL HEAR FROM
HOST · REAL ESTATE INVESTOR
ZACH CAHILL
Zach is a full-time real estate investor and operator based in Ontario, working mainly in Sudbury and London. He is the founder of Rent Live Own, a rent-to-own housing company, and has been involved in more than 250 real estate transactions over the past seven years.
On this call Zach shares the landlord's side: how rental owners can think about their mortgage as part of their overall plan.
CO-HOST · MORTGAGE BROKER
ANDREW MACDONALD
Andrew is a mortgage broker who helps homeowners and real estate investors set up readvanceable mortgages for the Smith Manoeuvre and rental cash damming. He will explain how these mortgages work and what to plan for.
MORTGAGE BROKER · TANGO FINANCIAL · FSRA Licence #13691
QUESTIONS
COMMON QUESTIONS
Is this really free? What's the catch?
It is free. This is an education session. No investment, deal or financial product will be offered or sold on the call.
Do I need a rental property?
For rental cash damming, yes. That can be a separate property or a rented part of your home, like a basement suite. If you do not have a rental, the session still explains the Smith Manoeuvre, which does not need one.
Do I need to change my mortgage?
The strategy usually needs a readvanceable mortgage. Andrew will explain what that is and why the timing around your renewal matters.
Will you go deep into tax?
No. We are not accountants. We cover the concept and the mortgage side, and give you the right questions to bring to your own accountant.
Will there be a recording?
The live session is the best experience because you can ask questions in real time. Register anyway and we will follow up with you if you miss it.
QUESTIONS
COMMON QUESTIONS
Is this really free? What's the catch?
It is free. This is an education session. No investment, deal or financial product will be offered or sold on the call.
Do I need a rental property?
For rental cash damming, yes. That can be a separate property or a rented part of your home, like a basement suite. If you do not have a rental, the session still explains the Smith Manoeuvre, which does not need one.
Do I need to change my mortgage?
The strategy usually needs a readvanceable mortgage. Andrew will explain what that is and why the timing around your renewal matters.
Will you go deep into tax?
No. We are not accountants. We cover the concept and the mortgage side, and give you the right questions to bring to your own accountant.
Will there be a recording?
The live session is the best experience because you can ask questions in real time. Register anyway and we will follow up with you if you miss it.
REGISTER
SAVE YOUR SEAT
One hour on how rental cash damming works and the mortgage structure behind it. Free. No pitch.
DATE
Thu, Nov 12, 2026
TIME
7:00 to 8:00 PM ET
WHERE
Zoom link sent by email
Opens the booking calendar. You will get the Zoom link by email after you book.
REGISTER
SAVE YOUR SEAT
One hour on how rental cash damming works and the mortgage structure behind it. Free. No pitch.
DATE
Tues, Nov 17, 2026
TIME
7:00 to 8:00 PM EST
WHERE
Zoom link sent by email
Opens the booking calendar. You will get the Zoom link by email after you book.
IMPORTANT INFORMATION
This webinar and page are for general educational purposes only. Nothing here or in the session is tax, legal, accounting, financial or investment advice, and nothing is an offer or solicitation to buy or sell any security or investment. No investment opportunities will be presented.
Strategies that involve borrowing carry risk, and results depend on your own situation. Zach Cahill and Andrew MacDonald are not accountants. Mortgage information is provided by Andrew MacDonald, [BROKERAGE NAME], FSRA Licence #[XXXXX]. Speak with a qualified accountant and other professionals before acting.
IMPORTANT INFORMATION
This webinar and page are for general educational purposes only. Nothing here or in the session is tax, legal, accounting, financial or investment advice, and nothing is an offer or solicitation to buy or sell any security or investment. No investment opportunities will be presented.
Strategies that involve borrowing carry risk, and results depend on your own situation. Zach Cahill and Andrew MacDonald are not accountants. Mortgage information is provided by Andrew MacDonald, Tango Financial, FSRA Licence #13691. Speak with a qualified accountant and other professionals before acting.
© 2026 Zach Cahill Real Estate · [email protected] · (705) 419-1644 · zachcahill.ca
Terms & Conditions · Privacy Policy · Disclaimer
© 2026 Zach Cahill Real Estate · [email protected] · (705) 419-1644 · zachcahill.ca
Terms & Conditions · Privacy Policy · Disclaimer