Qüvera

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Qüvera Harish & Jasmine. We buy Real Estate and share the profits with our investors. Private Financing.

Mike Ponte giving out pearls of wisdom at the SAVVY INVESTOR Summit.Risk Management for Real Estate Investors. Lots of l...
04/11/2026

Mike Ponte giving out pearls of wisdom at the SAVVY INVESTOR Summit.
Risk Management for Real Estate Investors. Lots of learning happening.

Speed networking at the SAVVY INVESTOR Summit was an absolute blast! 🔥 Seven minutes per connection — proof you don’t ne...
04/11/2026

Speed networking at the SAVVY INVESTOR Summit was an absolute blast! 🔥 Seven minutes per connection — proof you don’t need to be in the same room to make a real one. Can’t wait to cross paths with these incredible people again!

Fantastic inspirational keynote address at SAVVY INVESTOR Summit this morning by Nikki Miller.Two quotes that stayed wit...
04/11/2026

Fantastic inspirational keynote address at SAVVY INVESTOR Summit this morning by Nikki Miller.

Two quotes that stayed with me:

“Every founder builds a company in their image”

“Make sure your worst enemy is not living between your own two ears”.

And the current financial forecast with - the very savvy Kyle and Ehren take us through what the future holds. We don’t ...
09/13/2025

And the current financial forecast with - the very savvy Kyle and Ehren take us through what the future holds. We don’t have a crystal ball 🔮 so this is the closest we get to peering into the mists of time!!

All ears as we are learning about it how to weather a recession (if/when it comes) in Canada at the Savvy Investors Summ...
09/13/2025

All ears as we are learning about it how to weather a recession (if/when it comes) in Canada at the Savvy Investors Summit Summit with

in the house at the Savvy Investors Summit. What a fantastic line-up today
09/13/2025

in the house at the Savvy Investors Summit. What a fantastic line-up today

At the amazing Savvy Investors Summit this weekend with Mike Ponte and . Looking to learn and network all weekend. Say h...
09/13/2025

At the amazing Savvy Investors Summit this weekend with Mike Ponte and . Looking to learn and network all weekend. Say hi!

Go Slow to Go Fast in Real Estate.Actor Viggo Mortensen once said the key to riding horses well on film was:“You have to...
05/30/2025

Go Slow to Go Fast in Real Estate.

Actor Viggo Mortensen once said the key to riding horses well on film was:

“You have to go slow to go fast.”

That lesson holds true in real estate.

Rushing into deals, skipping due diligence, chasing trends. That’s how mistakes get made. Costly ones.

But when you go slow, you build relationships. You run the numbers right. You investigate zoning, permits, and neighbourhood shifts. You structure deals that last.

Slow is where your reputation gets built.
Slow is how you spot the edge others miss.
And when you’re ready to move?
You can move fast—confidently.

Want long-term momentum in real estate? Start with patience, precision, and preparation.

Go slow to go fast.
After all, you don’t argue with the wisdom of Aragorn.

Looking forward to a fantastic learning session with Mike Ponte and the other speakers at the Investing Strategies Boot...
05/03/2025

Looking forward to a fantastic learning session with Mike Ponte and the other speakers at the Investing Strategies Bootcamp!

🚀 Turn debt into an income-generating engine (and score a new ride)—one smart arbitrage at a time. 🚗💨Ever thought about ...
04/30/2025

🚀 Turn debt into an income-generating engine (and score a new ride)—one smart arbitrage at a time. 🚗💨

Ever thought about using borrowed money to make more money? Here’s the play-by-play of how I turned my equity into a brand-new car, all while keeping cash flow positive:

⸻

1️⃣ Tap Your HELOC
I borrowed against my home equity line of credit (HELOC) at a competitive rate. Think of this as unlocking the value trapped in your house—without selling it.

2️⃣ Deploy into Private Lending @ 13.99% APR
Next, I lent that capital to vetted borrowers through private lending deals with Capitis at 13.99% annual interest. That extra yield really boosts your returns above typical market rates.

3️⃣ Collect Monthly Interest Checks
At 13.99% APR, every $10,000 you lend generates about $116.58/month in interest income. Those checks started hitting my bank account like clockwork. ⏰💰

4️⃣ Buy Your Dream Car
I used the monthly interest income directly to:
• Cover the down payment on my new car
• Service a 5.6% auto loan on the balance

Because I’m earning 13.99% but only paying 5.6% to the bank for my car loan, the spread not only covers the payment—it puts a little extra back in my pocket each month. 👍

Why It Works

✅ Positive Carry: You’re earning a higher rate (13.99%) than you’re paying (5.6% auto loan + HELOC rate), so your money works harder than your debt.

✅ Cash-Flow Friendly: Monthly interest checks fund your lifestyle purchase without dipping into savings.

✅ Leverage: You amplify your capital by putting other people’s money (your lender’s and bank’s) to work for you.

⸻

⚠️ Disclaimer: This strategy carries risk—private lending isn’t insured, HELOC rates can fluctuate, and amortization can eat into your spread. Always do due diligence, vet your borrowers carefully, and consult a financial advisor before leveraging your home.

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Ottawa, ON
K4M

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