Conference – Exclusive Free Book
How Canadian real estate investors scale beyond bank limits and fund every deal on their terms
230-page PDF by Jose Salloum, FSA, IBC Expert, DDS
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Real Estate Wealth Warehouse
If you’re a Canadian real estate investor or entrepreneur building a portfolio, this is your blueprint to financial sovereignty.
Break Free From Bank Gatekeepers
Stop hitting the 3 - 5 property wall. Build your own "warehouse of wealth" so capital is available when you find a deal - not only when a lender says yes.
Tax-Advantaged Capital Access
Under Section 148 of the Canadian Income Tax Act, policy loans are generally not taxable. Access funds without triggering dispositions or bank approvals. Always consult your tax advisor.
Grow Money In Two Places
Use policy loans to deploy capital into properties while your cash value continues to compound. Dividends are not guaranteed and vary by insurer, but the aim is money working in two places at once.
Build A Multi-Generation System
Create a lasting financial infrastructure your family can use for 100+ years—for acquisitions, education, estate costs, and legacy planning—with privacy and control.
Jose Salloum, FSA, IBC Expert, DDS
AUTHOR OF
INFINITE FINANCIAL SOVEREIGNTY
Real Estate Wealth Warehouse
Inside this 230+ page playbook, you’ll learn how to create a private, tax-advantaged source of capital using participating whole life insurance structured for real estate. You’ll see how Canadian investors break through the 3–5 property ceiling, access funds without bank gatekeepers, keep cash value compounding while money is deployed, and scale from 1 to 5 to 15+ doors over time. The book includes Canadian examples, sample numbers, case studies, and worksheets so you can design your own capital warehouse. These principles have been used by families and business owners for over a century—now adapted specifically for Canadian real estate investors.
Capital Access Benefits:
1. Break the 3-5 property wall without begging banks for approval
2. Access capital in 7-10 days instead of waiting 30-45 days for bank financing
3. No credit checks or income verification when accessing your warehouse funds
4. Fund deals on weekends and holidays when banks are closed
5 Never lose a deal to cash buyers again—compete with cash-like speed
6. Eliminate TDS/GDS ratio limitations that stop portfolio growth
Tax & Legal Advantages:
7. Tax-free capital access under Section 148 of Canadian Income Tax Act
8. Reduce corporate tax from 50.2% to 12.2% using proper structures
9. Creditor-protected assets in most provinces (consult legal counsel)
10. Privacy from public records—no mortgages showing on title
11. Estate tax minimization strategies for wealth transfer
12. Avoid capital gains triggers when accessing funds
Wealth Building Features:
13. Compound growth while deployed—money works in two places simultaneously
14. Guaranteed cash value growth regardless of market conditions
15. Dividend participation averaging 6.2% historically (not guaranteed)
16. No market volatility—sleep soundly during crashes
17. Inflation hedge through real estate and insurance combination
18. Leverage multiplier effect—control more assets with same capital
Strategic Advantages:
19. BRRRR acceleration—refinance on your timeline, not the bank’s
20. Joint venture flexibility—become the money partner, not just the finder
21. Opportunity capital ready—pounce on distressed sales and foreclosures
22. Multi-property simultaneous purchases without sequential bank approvals
23. Commercial property access without traditional 35% down requirements
24. Generational wealth transfer bypassing probate and estate freezes
Your Invitation to Financial Sovereignty
If you’re serious about building real wealth, this is your blueprint.
If you recognize yourself in ANY of these descriptions, this book is calling your name
- First-time investors who want the right funding system from property #1
- Owners of 3–5 doors blocked by TDS/GDS ratios
- High earners ($120k–$200k+) seeking tax-efficient compounding
- Business owners leveraging corporate structures for capital efficiency
- Investors tired of "no" from lenders despite solid cash flow
- Strategic thinkers who know capital access beats deal hunting
- Builders willing to trade 7–10 years of discipline for lifelong sovereignty
- Legacy-minded families planning beyond one generation
- Savers able to commit meaningful annual contributions
- Systems thinkers who design infrastructure, not one-off deals
- Tax-conscious investors reducing drag across their portfolio
- Independence seekers who value control over appearance
- Portfolio scalers aiming for 10–15+ doors without bank bottlenecks
- BRRRR practitioners who want faster, more predictable cycles
- Risk managers seeking asset protection and privacy tools
- Multi-gen planners establishing a family banking framework
- Entrepreneurs needing flexible, on-demand opportunity capital
- Freedom builders targeting passive income to replace employment
✓ Instant digital access (PDF)
✓ No credit card required
✓ 230+ pages of strategies and case studies
✓ Written for Canadian investors
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★★★★★
From 3 Properties to 12 in 5 Years
“After hitting the TDS wall at 3 doors despite positive cash flow, I implemented the Real Estate Wealth Warehouse system. Five years later I own 12 properties generating $8,400 monthly passive income—financed through my warehouse.”
MT
Marcus T.
Calgary
Real Estate Investor
★★★★★
$847,000 Tax-Advantaged Capital Access
“As a business owner, the corporate structure strategies helped me avoid over $180,000 in taxes while building $847,000 in accessible capital. I acquired 7 properties in 3 years without a single bank application.”
SL
Sarah L.
Toronto
Entrepreneur & Investor
★★★★★
Finally Broke Through Banking Limits
“Banks rejected my 4th purchase despite $6,000/month net from my first 3. Jose’s system gave me on-demand financing capacity. I now own 9 properties and my warehouse has $520,000 in cash value.”
DK
David K.
Vancouver Real Estate
Investor
Results are individual and not guaranteed. Examples are for educational purposes only.
LEGAL DISCLAIMER
This book provides educational information only and does not constitute financial, legal, tax, investment, or insurance advice. No professional-client relationship is created by downloading or reading this material. All strategies involve risk, including potential loss of capital. You are solely responsible for your decisions and outcomes. Consult qualified professionals before implementing any concepts. Individual results vary based on numerous factors including personal circumstances, discipline, market conditions, and professional guidance. Past performance and case studies do not guarantee future results. The author and publisher disclaim all liability for decisions, actions, or outcomes related to this content. “Infinite Banking Concept” is a trademark of its respective owner.
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