Your rentals already generate cash flow.We help you put it to work on your debt.
Rental cash damming uses the rent you already collect as an additional prepayment on your home mortgage, and pays rental expenses with funds borrowed from a separate line of credit. We design the strategy together and help you set it up, implement it and track every transaction. You run it. You should always seek independent tax advice if you are thinking about implementing these strategies.
What We Do
Debt Conversion Strategies
Freedom10 helps Canadian landlords and homeowners design, set up and track debt conversion strategies. The strategy is simple. Running it correctly every month takes discipline. We design it together. You run it.
Smith Manoeuvre Certified Professionals on our team | BBB Accredited Business
How It Works
From first call to freedom
01
Apply and Share Your Numbers
A two-minute application tells us whether your situation is worth a closer look. If it is, you book a call and send your numbers on a short form.
02
Your Numbers, Modelled
Before the call, we model your current setup using the numbers you share with us to see what improvements are possible. On a 30-minute video call, we walk you through what we found and what working together would look like.
03
Implementation & Ongoing Support
We coordinate with your mortgage representative to confirm your structure supports the strategy, then help you set it up and support you for the first 12 months while you run it.
Meet the Founders
Devon Noble & Sean Smith
Devon and Sean are the founders of Freedom10. They help Canadian landlords and homeowners implement debt conversion strategies: rental cash damming, the Smith Manoeuvre and debt swaps.
From Our Knowledge Base
Expert Guides & Resources
Rental Cash Damming in Canada: The Mechanics, the Rules and the Setup
Rental cash damming in Canada: rent goes against your personal-use debt while a separate line of credit pays the rental's bills. The mechanics, the rules and the setup.
Rental Cash Damming vs Smith Manoeuvre: Which Fits Your Debt?
Cash damming vs Smith Manoeuvre in Canada: how each changes what your debt is used for, what each needs, the risks, and how the two can run side by side.
Cash Damming Eligibility: Is Your Debt a Fit for Rental Cash Damming?
Cash damming eligibility for Canadian landlords: who rental cash damming fits, the situations that complicate it, and when it isn't worth doing for your debt.
How Rental Cash Damming Works: Your Rent and Your Debt, Step by Step
How cash damming works, step by step: the accounts, the monthly sequence, the readvanceable line of credit and the paper trail showing what your debt paid for.
Ready to see what's possible?
Join our free 60-minute masterclass to see how these strategies could work with your actual numbers.
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