Borrowing to invest, described mechanically
Each strategy here is written the way it actually runs — which account the money moves through, what the paper trail has to show years later, and how the arithmetic compares against not borrowing at all. The mechanics are the same for everyone; whether any of it suits your circumstances is a question for a qualified professional, not a web page.
Cash damming for rental and business income
The debt conversion for owners of rental property and the self-employed — which account each expense leaves from, where the trail breaks, and what it is worth.
Read cash damming for rental and business income →Cash damming vs the Smith Manoeuvre, and which one your income allows
Two Canadian debt conversions compared on eligibility, risk, speed and paperwork — with both calculators, and no thumb on the scale for either of them.
Read cash damming vs the smith manoeuvre, and which one your income allows →How the Smith Manoeuvre works, month by month
The month-by-month mechanics of the Smith Manoeuvre — which account each dollar moves through, what the lender does automatically, and what you have to do.
Read how the smith manoeuvre works, month by month →Smith Manoeuvre record-keeping, and the limits of a spreadsheet
What a Smith Maneuver spreadsheet tracks well, what it cannot evidence, and the record each draw needs if the interest claim is to survive a review years later.
Read smith manoeuvre record-keeping, and the limits of a spreadsheet →Smith Manoeuvre risks, and when the strategy does not make sense
Pros and cons of the Smith Manoeuvre without the brochure — leverage, rate and sequence risk, the deduction lost to bookkeeping, and who should skip it.
Read smith manoeuvre risks, and when the strategy does not make sense →The Smith Manoeuvre, account by account
The Canadian strategy that turns mortgage debt into deductible investment debt, described account by account — what it needs, what it returns, where it fails.
Read the smith manoeuvre, account by account →Most readers arrive having heard of one of these already — converting a mortgage into deductible investment debt is the one with a name attached to it. The same conversion for people with business or rental income needs no portfolio and no new borrowing appetite, and it is the one more households turn out to be eligible for.