Hong Multi Family Mortgage

Hong Multi Family Mortgage Seasoned real estate investor specializing in multi-family properties. I own & manage over 49 doors, and I do over 80M multifamily financing volume annually.

04/09/2026

When investing in real estate, focusing only on the interest rate can be a mistake. What really matters is the bigger picture—cash flow, long-term value, location, and overall return on investment. Smart investors analyze the full potential of a property before making a decision.

04/07/2026

One of the biggest misconceptions in multifamily investing is how down payments are calculated. Many people assume it’s based only on the purchase price—but lenders actually focus on the building’s income and expenses. A stronger performing property can sometimes require a much lower down payment.

04/02/2026

Many people think their salary limits their ability to invest in multifamily real estate—but that’s not always true. Lenders often focus more on the property’s income, expenses, and overall performance when deciding how much they can lend.

03/31/2026

Why invest in real estate? Because it’s a tangible asset and a long-term strategy that can build real wealth. Over time, property values can grow significantly, and refinancing can unlock new opportunities. That’s the power of multifamily investing.

03/26/2026

Sometimes the biggest opportunities happen when you least expect them. I visited a six-plex just out of curiosity, thinking I couldn’t qualify for another mortgage. But that visit introduced me to commercial financing—and it led to my very first multifamily property.

03/24/2026

At first, my motivation was to make my parents proud. But over time, I realized the strongest motivation comes from within—wanting to become the best version of yourself. When you grow, learn, and push yourself for your own goals, that’s when true motivation begins.

03/19/2026

Three years after arriving in Montreal, I bought my first property—a triplex. Living in one unit and renting out the others opened my eyes to the power of real estate investing. That single decision became the beginning of my investing journey and changed my financial future.

03/17/2026

From arriving in Canada with nothing to learning one powerful life lesson: sometimes the pressure we put on ourselves to succeed for others becomes the very thing holding us back. Letting go of that burden can be the first step toward moving forward and finding your own path.

03/07/2026

Is your property actually making money, or are you just ignoring the leaks? I’m sharing the three biggest mistakes property owners make, from charging under-market rent to ignoring vacancy rates and maintenance reserves. If you aren’t accounting for these, you don’t have real cash flow.

03/04/2026

The bank has a secret formula to decide if they’ll lend you money: it’s called the DCR (Debt Coverage Ratio). Think of it as a report card for your property. I’m breaking down the math of how much extra cash your building needs to make for the bank to call it a “win.”



03/02/2026

There’s a common myth that self-financing means “free.” In reality, it’s much better than that: it means your tenants are the ones building your wealth. They cover the mortgage and the expenses while you collect the cash flow and keep the equity. Here is how the math actually works.

02/28/2026

A lot of people think a duplex is safer because it’s “cheaper,” but the math says otherwise. With a duplex, one vacancy means losing 50% of your income. With a six-plex, one vacancy only impacts you by 16%. In this video, I’m breaking down why more units actually mean less stress and less risk.

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Montreal, QC

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+14389908124

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