Would you lend someone $90,000 for a real estate deal if you'd never even met them in person?
In Episode 57 of Hustle & Homes, Matt and Jeff sit down with Mel and Kristen, owners of MK Integra Homes and two pharmacies in Nanaimo, BC, to talk about their journey into real estate investing and private lending.
Mel and Kristen aren't just talking about private lending. They're actually doing it.
We break down how they've used registered funds through Olympia Trust, accessed capital through HELOCs, funded real estate deals, and decided which investors they trust with their money.
But one of the biggest lessons from this conversation has nothing to do with interest rates.
It's about relationships.
Mel and Kristen explain what makes them interested in a deal, the red flags that make them walk away, why the person behind the deal matters, and how credibility can be built long before someone ever asks for money.We also get into:
• What private lenders actually look for in a deal
• Why equity matters
• Using RRSP funds for private mortgage investments
• How Mel and Kristen have used Olympia Trust
• Using HELOC capital for private lending
• First vs. second mortgage positions
• What makes a lender walk away from a deal
• Why communication and honesty matter
• Building trust before asking for money
• Their experience investing in Saskatchewan
• The difference between institutional and relationship-based private lending
• Why they believe investing can be about more than just making moneyAnd yes, we talk about why Mel and Kristen were comfortable lending Matt $90,000 to purchase a Saskatchewan property despite never meeting him in person.
Private lending isn't simply about finding someone with money.
It's about building relationships, understanding the deal, knowing the risks, and creating opportunities where everyone has a reason to win.
This episode is for educational and entertainment purposes only and should not be considered financial, legal, tax, or investment advice.
Private lending and real estate investing involve risk.
Always conduct your own due diligence and consult qualified professionals regarding your individual circumstances.
🎙️ Hustle & Homes Podcast — Episode 57
Keep hustling. Keep building. Keep closing.
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