Cover art for podcast Real Talk With Gary - Real Estate Investing

Real Talk With Gary - Real Estate Investing

168 EpisodesProduced by Gary Hibbert Real Estate InvestorWebsite

Gary Hibbert is a Full Time Real Estate Investor, Licenced Real Estate Agent, achieving various Realtor awards and an Educator. In 2008, he purchased his first investment property and through hard work and dedication, left the regiment of the corporate world to become a Full Time Entrepreneur in 201… read more


#167: Michael Zanzini Lorenzo Podda - Understanding Mortgages - Practical Money Skills with BM Select

#167: Michael Zanzini & Lorenzo Podda - Understanding Mortgages - Practical Money Skills with BM Select

On this episode Gary chats with Michael Zanzini & Lorenzo Podda, both from BM Select who have a solid history of helping clients with their financing needs. This episode will help you understand the many aspects of mortgages: what you can afford and why; how to get OUT of a mortgage; types of lenders; private lending; do you a NEED a corporation to invest, and MORE. Don't miss this one!



  • How they first got started in the mortgage industry
  • The process to get approved for a mortgage when you're self-employed
  • The difference between A & B Lenders
  • The role of private lending
  • How to structure joint ventures
  • What's involved when you need to break a mortgage
  • Buying in a corporation
  • The process of renewing your mortgage
  • How the stress tests affects what you qualify for 
  • Where the market is going and where they think it's headed
  • And MORE!


Michael Zanzini, Mortgage Agent:

Michael Zanzini is the Lead Mortgage Agent at BM Select, and has been working with investors primarily for over 8 years.  He manages portfolio structuring for investors and has grown into an industry leader all before the age of 35.  Michael combines professionalism and experience and routinely ranks at the highest level of Investment Mortgage planning in Canada. 

Lorenzo Podda, Underwriting Manager:

Lorenzo Podda is the Manager of the Underwriting Department at BM Select. He began his career at BM Select at the age of 17 while attending University for a Commerce Degree. Currently, at the age of 23, he manages a team of 11 Underwriters. Although, he has only been in the mortgage industry since 2017, Lorenzo has managed to guide and assist the BM Select team and has played an instrumental role in the teams number 1 standing over the past several years.


This episode proudly sponsored by McMurter & Associates.

They are a real estate and estate law firm who can be your partner for every major legal event in your life. If you're planning an estate, selling or buying real estate, they can help with over 30 years of experience. Their objective is to prevent you from worrying about the legal aspect of your transactions. From the first meeting, McMurter will provide you with straightforward legal advice, and no surprises., including a legal bill you didn't expect. 

Find them at:

Other Links:

Private Investing, visit

Real Estate Investment Club visit 

Gary's mentorship program visit 

Start your own Podcast visit

Tags:  #USinvesting, #taxes, #realestateincanada, #realestatecanada, #realestatepodcast, #realestateinvesting, #investingincanada, #investplusrealty, #househunting, #canadianrealestate, #canadianpodcast, #buyinghomes, #investmentproperties, #wealth, #howtobecomewealthy, #mindset, #realtor, #realestate, #explicit, #howtobuyrealestate, #safeinvesting, #safeinvestments, #landdevelopment #bespoke

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