20 Years in Canadian Finance, Now He Only Buys $70K Cleveland Duplexes | Carlos Rodrigues

<p>Carlos Rodrigues spent 20 years in Canadian financial services. Mutual funds, life insurance both levels, and a full mortgage broker with five agents under him. He tried to start his own fund. Canadian compliance costs killed it. </p><p>Now he drives 4.5 hours each way from Hamilton to Cleveland, Ohio to buy duplexes for $70,000 that appraise at $170,000 after renovation. </p><p>In this episode, we get into: </p><ul><li><p>The $70,000 duplex near the Cleveland Clinic with a toilet falling through the floor </p></li></ul><ul><li><p>How Section 8 rentals pay 20 to 30% above market, with one tenant paying $14 of her $1,400 rent </p></li></ul><ul><li><p>Why 100% loan-to-cost financing is back, and why this isn't 2008 </p></li></ul><ul><li><p>The joint venture partner who added $30,000 to $40,000 in renovation scope while Carlos was at Home Depot </p></li></ul><ul><li><p>The contractor who ghosted him a week before closing </p></li></ul><ul><li><p>How ICE enforcement is hitting the US construction labor pool </p></li></ul><ul><li><p>Cleveland's side yard program: buy a vacant lot next to your house for $100 </p></li></ul><ul><li><p>Why Carlos won't invest in Hamilton anymore, even though he lives there </p></li></ul><p>Plus my own update: my Hamilton duplex tenant has been non-paying for 7 months, $12,000 deep, and we're still waiting on the LTB. This is the world we're operating in. </p><p>Want the investment loan strategy that produced a 40.6% return since September 2025? </p><p>I'm hosting a free training on Saturday May 30 (Oakville hybrid) and Tuesday June 2 (Zoom only). Walking through the complete strategy, the math, every loss scenario, and how it fits alongside a real estate portfolio. </p><p>Register at: <a href="https://wealthhacker.krtra.com/t/uqyHFbipnPrK" rel="ugc noopener noreferrer" target="_blank">⁠https://wealthhacker.krtra.com/t/uqyHFbipnPrK⁠</a></p><p>Connect with Carlos: </p><p>Website: cashflowcarlos.com, Instagram &amp; TikTok: @cashflowcarlos </p><p>Connect with Erwin: </p><p>Podcast: tafipod.ca </p><p>Free Wealth Freedom Blueprint: infinitywealth.ca/freereport </p><p>Book a Wealth Planning Call: linked at <a href="https://www.infinitywealth.ca/" rel="ugc noopener noreferrer" target="_blank">⁠www.infinitywealth.ca⁠</a> </p>