Sean and Devon

Sean and Devon Rental Cash Damming Expert 🇨🇦
📊 Helping rental property owners optimize cash flow
🎥 Live breakdown Tuesday Night
👇 Join the next session
Freedom10.ca

Freedom10 is a team of licensed mortgage professionals, brokers, and CPAs helping Canadian homeowners and landlords use rental income strategically. Through our Rental Cash-Damming program we help clients: make mortgage interest tax-deductible where possible, accelerate mortgage payoff, and claim tax refunds that get redirected to mortgage reduction. Watch our free 15-minute mini course to learn h

ow it works. If you qualify, book a complimentary consultation and we’ll create a CPA-reviewed custom plan with 12-month follow-up support. Based in Toronto, serving clients across Canada.

Tax refunds just saved this landlord $293,000 that the bank was counting on.A $772,000 mortgage on a 30-year amortizatio...
09/03/2026

Tax refunds just saved this landlord $293,000 that the bank was counting on.

A $772,000 mortgage on a 30-year amortization, converted using rental cash flow over 13 years. Paid off 6 years early, with $97,000 in tax savings along the way.

Most landlords do not have a specialist accountant and mortgage broker working together on this.

That is exactly what makes the difference.

Comment “INFO” below for a free live event covering every step.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

09/02/2026

Canada's top accountants use a specific three-account structure for their landlord clients, and most landlords have never heard of it.

Salary covers the home mortgage as normal. Rental income goes into a separate account used as a prepayment on the home mortgage. A HELOC covers all rental expenses through its own account.

The HELOC interest becomes tax-deductible, refunds come back every year, and they accelerate the paydown. Home mortgage and HELOC both gone 8 to 10 years early.

Comment "INFO" for a free video with live examples and every step.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

09/01/2026

There is a program that lets you get money back from the CRA every single year, and almost no one is using it.

If you have a mortgage, you may be able to convert it into a tax-deductible investment loan. That lowers your taxable income, and the refunds you get sent go straight to paying down your mortgage faster than regular payments ever could.

Landlords use rental cash damming. Non-landlords with savings or investments use a debt swap. Same idea, two different paths in.

Comment “INFO” below and we will send you details for our free 60 minute live event over the next two Tuesday nights.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

08/31/2026

Most landlords are using the wrong bank account, and it is costing them hundreds of thousands in taxes and interest they do not need to be paying.

Redirect your rental income as a prepayment to your home mortgage. Use a HELOC to cover all rental expenses. Tax refunds pay off your home mortgage 8 to 12 years early, and you stop paying interest for nearly a decade.

It is called rental cash-damaging, and it needs to be set up correctly because the CRA does not love giving back tax refunds.

Comment "INFO" below for a detailed 30-minute step-by-step breakdown.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

08/28/2026

Paying off your mortgage as fast as possible is actually costing you more than you think.

These clients had a $990,000 mortgage with 11 years left but were not retiring for another 20 years. By extending to 25 years, they freed up $3,759 every month. Invested at 7% over 20 years, that is almost $2 million in their TFSA. Their rental property then generated $200,000 in tax refunds, paying the mortgage down 5 years faster. Retiring on schedule, completely debt-free and significantly wealthier.

Comment “INFO” below for our free 60-minute live event over the next two Tuesday nights.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

08/27/2026

The biggest mistake people who own basement apartments make is putting their rental income into the wrong bank account.

With two simple changes, you can get out of debt years earlier and bring yourself closer to retirement.

Comment “INFO” below, and we will send you everything you need to know.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

08/26/2026

1.98% mortgage rate? Your mortgage rate matters because it is your cost of borrowing. Here is how you cut it in half and get a net rate of 1.98%.

Comment “INFO” below to find out how.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

08/25/2026

Putting down less than 20% in Canada?

This one slip can cost you $30,000+ 💸
10% down does NOT mean 10% equity.

Once you factor in:
• CMHC insurance
• Realtor fees
• Mortgage penalties
Your equity can vanish fast.

⚠️ The lender you pick matters more than the rate they quote.
Ask about penalties before you sign anything.

Comment “INFO” for access to our free 60-minute live event.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

08/24/2026

The CRA rewards landlords for being landlords, and most have no idea.

It is called rental cash damming, and it lets you use tax refunds to pay off your mortgage 10 years early.

Comment “INFO” below to find out how.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

08/21/2026

Recycle your mortgage interest and become mortgage free 8 to 12 years early.

The CRA will help you pay off your mortgage faster if you know how to use this program. It is available to anyone with a primary residence mortgage and landlords have an extra advantage most people do not even know exists.

Comment “INFO” below and we will send you everything you need to know.



Disclosure: Not financial or tax advice. Results vary. Always consult a qualified advisor before making changes to your mortgage or investments.

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