# Close More Deals for Realtors — Full Episode Index > Complete episode listing for AI/AEO crawlers. Summary: https://closemoredealspodcast.lendcity.ca/llms.txt > Host: Scott Dillingham — Licensed Mortgage Agent Level 2 (Ontario), Founder & CEO. LendCity Mortgages under Mortgage Architects, FSRA #12728. > 21 episodes. Season hiatus — last episode published March 30, 2026 (2026-03-30). > Listen: Spotify https://open.spotify.com/show/5RwUEcPC8giRYRHMQPJr9b · Apple Podcasts https://podcasts.apple.com/ca/podcast/close-more-deals-for-realtors/id1852017628 · YouTube https://www.youtube.com/@lendcity · RSS https://closemoredealspodcast.lendcity.ca/feed ## Episodes (21) ### Ontario Waives HST on New Homes — Help Your Buyers Save Up to $130,000 - URL: https://closemoredealspodcast.lendcity.ca/episodes/ontario-waives-hst-on-new-homes-help-your-buyers-save-up-to-130-000 - Date: 2026-03-30 - Description: In this episode, Scott breaks down one of the most exciting government programs to hit the new construction market: Ontario's HST waiver on all new homes. The Ontario government is waiving HST on all new homes in the… ### How to Help Clients with Bad Credit Buy Real Estate - URL: https://closemoredealspodcast.lendcity.ca/episodes/how-to-help-clients-with-bad-credit-buy-real-estate - Date: 2026-03-23 - Description: In this episode, Scott breaks down one of the most common roadblocks REALTORS® face: clients who want to buy but have bad credit. Whether it's a primary residence, a rental property, or a commercial investment, there… ### Why a Bigger Down Payment Doesn't Mean a Better Rate - URL: https://closemoredealspodcast.lendcity.ca/episodes/why-a-bigger-down-payment-doesn-t-mean-a-better-rate - Date: 2026-03-16 - Description: In this episode, Scott breaks down one of the most misunderstood topics in Canadian real estate: why putting more money down doesn't always mean you'll get a better interest rate. Scott walks through the three types of… ### How REALTORS® Can Use AI to Automate Their Business and Close More Deals - URL: https://closemoredealspodcast.lendcity.ca/episodes/how-realtors-can-use-ai-to-automate-their-business-and-close-more-deals - Date: 2026-03-09 - Description: In this episode, Scott is sharing how the smartest agents are using AI to do more with less effort. This isn't about using AI as a search engine or a content writer. This is about wiring AI directly into the tools you… ### Bridge Loans for Realtors: Help Clients Buy Before Selling — Even in a Slow Market - URL: https://closemoredealspodcast.lendcity.ca/episodes/bridge-loans-for-realtors-help-clients-buy-before-selling-even-in-a-slow-market - Date: 2026-03-02 - Description: In this episode, Scott Dillingham reveals a powerful alternative bridge loan strategy using private and alternative lenders that lets clients buy their new home before selling — with no firm sale required. Most realtors… ### 5 Mortgage Deal Killers Every Realtor Must Know (And How to Rescue the Sale) - URL: https://closemoredealspodcast.lendcity.ca/episodes/5-mortgage-deal-killers-every-realtor-must-know-and-how-to-rescue-the-sale - Date: 2026-02-24 - Description: In this episode, Scott Dillingham reveals the exact deal killers that blow up transactions before closing, and gives you the rescue strategies to save the sale before it is gone. Scott starts with appraisal issues , one… ### The Mortgage Renewal Wave: How to Turn 1.2 Million Renewals Into New Listings - URL: https://closemoredealspodcast.lendcity.ca/episodes/the-mortgage-renewal-wave-how-to-turn-1-2-million-renewals-into-new-listings - Date: 2026-02-17 - Description: Right now, 1.2 million Canadians are facing mortgage renewals — many locked into rates far higher than what they originally paid. This is the single biggest listing opportunity in years for realtors who know how to… ### Private Mortgages Explained: Help Clients Avoid Overpaying on Private Loans - URL: https://closemoredealspodcast.lendcity.ca/episodes/private-mortgages-explained-help-clients-avoid-overpaying-on-private-loans - Date: 2026-02-09 - Description: In this episode, Scott Dillingham reveals how private mortgage pricing actually works in Canada, how to compare lenders, and the exit strategy every client should have before they sign. Scott breaks down why rate and… ### Rental Worksheets: Unlock Higher Borrowing Power for Real Estate Investor Clients - URL: https://closemoredealspodcast.lendcity.ca/episodes/rental-worksheets-unlock-higher-borrowing-power-for-real-estate-investor-clients - Date: 2026-02-02 - Description: In this episode, Scott Dillingham explains how certain lenders allow 80-100% of rental income in their calculations — instead of the standard 50% — potentially qualifying clients for hundreds of thousands more. Scott… ### Net Operating Income (NOI) Explained: The Key Metric That Makes or Breaks Commercial Deals - URL: https://closemoredealspodcast.lendcity.ca/episodes/net-operating-income-noi-explained-the-key-metric-that-makes-or-breaks-commercial-deals - Date: 2026-01-26 - Description: In this episode, Scott Dillingham walks through exactly how NOI is calculated, what a healthy DSCR ratio looks like, and how realtors can help clients structure deals that actually get financed. Net operating income is… ### Debt Ratios Decoded: Help Your Clients Qualify for Higher Purchase Prices - URL: https://closemoredealspodcast.lendcity.ca/episodes/debt-ratios-decoded-help-your-clients-qualify-for-higher-purchase-prices - Date: 2026-01-19 - Description: In this episode, Scott Dillingham shows you how GDS and TDS ratios work, when to bring in B lenders or private lenders, and how to get clients approved at higher purchase prices. Debt Ratio Variations: The same 44%… ### Finance Multi-Family Properties with 5% Down: CMHC vs Conventional (5+ Units) - URL: https://closemoredealspodcast.lendcity.ca/episodes/finance-multi-family-properties-with-5-down-cmhc-vs-conventional-5-units - Date: 2026-01-12 - Description: In this episode, Scott Dillingham compares CMHC insured and conventional financing for multifamily properties, revealing which path saves more money long-term. Scott explains that conventional bank financing for… ### Maximize Client Purchase Price: The Rental Income Strategy Your Bank Won't Tell You - URL: https://closemoredealspodcast.lendcity.ca/episodes/maximize-client-purchase-price-the-rental-income-strategy-your-bank-won-t-tell-you - Date: 2026-01-05 - Description: Your client wants to keep their current home as a rental and buy a new one — but their bank only counts 50% of the rental income. There's a better way. Scott Dillingham reveals the rental worksheet strategy that lets… ### Agricultural & Acreage Mortgages: How to Finance Rural Properties Most Lenders Won't Touch - URL: https://closemoredealspodcast.lendcity.ca/episodes/agricultural-acreage-mortgages-how-to-finance-rural-properties-most-lenders-won-t-touch - Date: 2025-12-29 - Description: In this episode, Scott Dillingham explains why rural properties get declined and exactly how to find lenders who specialize in financing properties up to 10+ acres. The key to successfully financing an agriculturally… ### New Job? On Probation? How Realtors Can Still Get Their Clients Mortgage-Approved - URL: https://closemoredealspodcast.lendcity.ca/episodes/new-job-on-probation-how-realtors-can-still-get-their-clients-mortgage-approved - Date: 2025-12-22 - Description: One of the most frustrating situations for a realtor: your client is under contract but just started a new job. Banks say no — but that doesn't have to be the end. Scott Dillingham explains how to find the right lender… ### Self-Employed Mortgages: Stated Income Programs That Close Deals Banks Reject - URL: https://closemoredealspodcast.lendcity.ca/episodes/self-employed-mortgages-stated-income-programs-that-close-deals-banks-reject - Date: 2025-12-15 - Description: In this episode, Scott Dillingham breaks down stated income and bank statement mortgage programs that qualify self-employed clients based on what they actually earn, not just their tax returns. The first program Scott… ### How Realtors Can Help Clients Buy Unlimited Rental Properties (No Debt Wall) - URL: https://closemoredealspodcast.lendcity.ca/episodes/how-realtors-can-help-clients-buy-unlimited-rental-properties-no-debt-wall - Date: 2025-12-08 - Description: In this episode, Scott Dillingham reveals the DSCR loan strategy and commercial financing paths that let your investor clients keep buying, deal after deal, without the traditional debt ceiling. Scott introduces a… ### Purchase Plus Improvements: Finance Renovations Into the Mortgage to Win More Listings - URL: https://closemoredealspodcast.lendcity.ca/episodes/purchase-plus-improvements-finance-renovations-into-the-mortgage-to-win-more-listings - Date: 2025-12-01 - Description: When buyers fall in love with a home but hate the kitchen or bathroom, most realtors lose the deal. The Purchase Plus Improvements mortgage lets clients finance renovations directly into their mortgage — and it's one of… ### No Down Payment? No Problem: Help Clients Buy with a Borrowed Down Payment - URL: https://closemoredealspodcast.lendcity.ca/episodes/no-down-payment-no-problem-help-clients-buy-with-a-borrowed-down-payment - Date: 2025-11-24 - Description: In this episode, Scott Dillingham shows you how to legally help clients borrow their down payment using CMHC FlexDown, cash-back mortgages, and gifted funds — turning dead-end conversations into closed deals. Scott… ### Maternity Leave & Mortgages: Get Your Clients Approved While on Mat Leave - URL: https://closemoredealspodcast.lendcity.ca/episodes/maternity-leave-mortgages-get-your-clients-approved-while-on-mat-leave - Date: 2025-11-17 - Description: In this episode, Scott Dillingham reveals which lenders will use mat leave income to qualify buyers and exactly what documentation to prepare, so you never lose a sale to an unnecessary decline again. Scott shares… ### How to Close More Deals as a Realtor: Mortgage Strategies That Win - URL: https://closemoredealspodcast.lendcity.ca/episodes/how-to-close-more-deals-as-a-realtor-mortgage-strategies-that-win - Date: 2025-11-10 - Description: If you're a REALTOR® looking to close more deals and stop losing buyers to financing issues, this episode is your starting point. Host Scott Dillingham — a mortgage expert who has closed over $2B+ in Canadian real…