Servicing the Greater Toronto, Greater Golden Horshoe and Simcoe Region

Your dream of investing in real estate can happen this year…

Even if you don’t know the first step.

Rather you are going zero properties to one or from one property to ten, Chai Harjo provides the mentorship you need every step of the way. From creating your initial strategy to actually walking through the property, you have access to guidance and experience from someone who has actually done it.

Don’t miss this opportunity

Schedule a FREE 15 min consultation

Realistic

Practical

Simple

Straightforward

We provide grounded and true-to-life insights into the world of real estate investing with a focus on realistic expectations. We offer real-world information and advice. This is not a “get rich quick” program. Down to Earth Mentor is for people who are serious and passionate about investing in real estate.

If you’ve been waiting to invest because…

You don’t have enough money for a downpayment.

You are worried about getting bad tenants.

You are waiting for the market to drop.

Chai has helped many first time and seasoned investors who have all waited to invest for those same reasons. Our Down to Earth mentorship produces results even when roadblocks and considerations surface. Just because it isn’t easy doesn’t mean it isn’t the right time. Many of our clients were hesitant to pursue investing because it’s harder to get financing from big banks, it’s harder to find a great deal, harder to find a great tenant and create a positive cashflowing property and are worried about 

government policies on rent control. Chai has helped many investors succeed over the last __ years. Those investors were faced with the same market, the same hurdles, and the same excuses for why they shouldn’t invest now. Will you be Chai’s next success story? Or will spend another year waiting for perfect conditions that may never happen? Find the money. – Mitigate Potential Problems – Pick the right property at the right time.

We know how to overcome the challenges investors face, because we have experiences and overcame those same challenges first hand. Whether you’re just starting out or you’re a seasoned investor, the advice and guidance I can provide will help you enhance your portfolio, make smarter investment decisions, and have a clearer understanding of what to look for when assessing potential properties.

Stop waiting. It’s time to…

Generate a continuous stream of income! Create real financial security in you and your children’s future! Invest in tangible assets you can see and touch!

We have different programs for every stage investors

First time investors

ready for their first property

Investors ready

to actively invest in multiple properties

Great to Awesome

who wants to invest in Canada

What impressed me the most about Chai, is his organization.

To my first meeting with him,( I believe we were financing 4th rental ?!) he brought a 3 inch thick folder,with glossy pages of ALL Documetns that I need to make get him a quick a approval. He made my job easy and I made his approval easy. Win win.

When a customer comes in knowing what he wants is one thing but when they know what I need, like in any good relationship it makes your rapport smoother and much more effective for everyone. When customer shows appreciation for your work, patience and openness to provide any document require, it is a pleasure to work for and you naturally want to do everything in your and power of people above you to get them approved.

Chai mastered Human psychology of interpersonal relationships and that shows in how many people that he referred to me who follow what he recommends to me without a question.

Alexandra Stinson

Mortgage Advisor

 

 

Down To Hearth
5.0
2019-02-19T02:51:59+00:00

Alexandra Stinson

Mortgage Advisor

 

 

To my first meeting with him,( I believe we were financing 4th rental ?!) he brought a 3 inch thick folder,with glossy pages of ALL Documetns that I need to make get him a quick a approval. He made my job easy and I made his approval easy. Win win. When a customer comes in knowing what he wants is one thing but when they know what I need, like in any good relationship it makes your rapport smoother and much more effective for everyone. When customer shows appreciation for your work, patience and openness to provide any document require, it is a pleasure to work for and you naturally want to do everything in your and power of people above you to get them approved. Chai mastered Human psychology of interpersonal relationships and that shows in how many people that he referred to me who follow what he recommends to me without a question.

Chai is attentive to a home inspector’s findings and has the team of resources to improve a given property

“A while back, I met Chai through a Real Estate Investment Forum. He stood out from all those that approached our vendor’s table.

The initial observation was his soft-spoken demeanor, genuineness, and experiences paired up well with his intelligence & astute eye for opportunities.  When he mentioned he had over 10+ properties, then you listen very closely. There were very few investors that had more than 5. Fast forward a couple of years and our initial observation has changed even more positively.  His ability to assess an area that requires renovations and repairs & his dedicated team of resources help provide assuring confidence for his clients.

Being a home inspector, we are hired for identifying concerns before they become expensive ones. To explain the property’s fundamentals and hazards are paramount.  There are no perfect houses and when one is planning to buy a house and spending 6-7 figures, they should fully understand their investment. We are asked often about providing direction for given circumstances (i.e. aging furnace, removal of walls etc…). Even though we have never seen a perfect house, our recommendations are to ensure the bare minimum in safety and health preventative measures are in place. This provides a sense of comfort for any buyer or investor.

Chai is attentive to a home inspector’s findings and has the team of resources to improve a given property. He sees opportunities to increase cash flow opportunities and teaches his students how best to achieve their financial goals.

Robert Kin, B.A. (Hons), PHPIC

Founder of Superior Home Inspectors

Down To Hearth
5.0
2019-02-19T02:53:43+00:00

Robert Kin, B.A. (Hons), PHPIC

Founder of Superior Home Inspectors

“A while back, I met Chai through a Real Estate Investment Forum. He stood out from all those that approached our vendor’s table. The initial observation was his soft-spoken demeanor, genuineness, and experiences paired up well with his intelligence & astute eye for opportunities.  When he mentioned he had over 10+ properties, then you listen very closely. There were very few investors that had more than 5. Fast forward a couple of years and our initial observation has changed even more positively.  His ability to assess an area that requires renovations and repairs & his dedicated team of resources help provide assuring confidence for his clients. Being a home inspector, we are hired for identifying concerns before they become expensive ones. To explain the property’s fundamentals and hazards are paramount.  There are no perfect houses and when one is planning to buy a house and spending 6-7 figures, they should fully understand their investment. We are asked often about providing direction for given circumstances (i.e. aging furnace, removal of walls etc…). Even though we have never seen a perfect house, our recommendations are to ensure the bare minimum in safety and health preventative measures are in place. This provides a sense of comfort for any buyer or investor. Chai is attentive to a home inspector’s findings and has the team of resources to improve a given property. He sees opportunities to increase cash flow opportunities and teaches his students how best to achieve their financial goals.

Chai has the passion and determination to build a successful real estate business.

I get to know him when I first came to Canada. Over the years, I've seen him growing his assets in rental properties and move to bigger houses. Amazingly, at the same time he also protects his assets by leveraging insurance to minimize the financial loss to the family and business for unexpected reasons.  Most people think that insurance is an expense, especially life insurance, and not realizing the value and benefits of owning one. In this chapter, Chai will share with you the basics on what you need to know and what to look for in Insurance 101.

I'm very grateful to have a chance to work with him to create a proper and suitable protection plan to match his unique requirements. Everyone's situation is different therefore we need to assess, analyze and create a customized plan to address their needs. We also need to review and modify the plan on a regular basis as the situation and financial needs may have changed.  I also would like to take this opportunity to thank Chai for sharing his valuable knowledge as a mentor in investment properties. With his guidance and support, I was able to start my journey in rental properties and build my cash flow. With his help and thanks to his power team, the process of looking and finding the right property, tips and tricks on determining the market value and how to negotiate the ‘right’ price, home inspection, mortgage and closing steps, home renovation with choices of contractors and the process of finding tenant with the right property manager, becomes quite smooth and easy for someone like me who never own a rental property before. I would recommend you to talk to him if you want to start your journey in real estate investing.

Chai’s experience in owning many properties definitely shows when looking at opportunities for his clients. He is able to assess renovations that can fit one’s budget and use the more enticing materials and chic styles to help provide a more functional and valued property. He understands value and knows when to walk away.  I truly believe that Chai is motivated not only in his family’s success but largely through his students investments and their successes. He is definitely a helper and a kind person. I’m glad our paths have crossed”

 

THOMAS CHEN

Life Insurance Agent

Down To Hearth
5.0
2019-02-19T02:55:29+00:00

THOMAS CHEN

Life Insurance Agent

Chai has the passion and determination to build a successful real estate business. I get to know him when I first came to Canada. Over the years, I've seen him growing his assets in rental properties and move to bigger houses. Amazingly, at the same time he also protects his assets by leveraging insurance to minimize the financial loss to the family and business for unexpected reasons.  Most people think that insurance is an expense, especially life insurance, and not realizing the value and benefits of owning one. In this chapter, Chai will share with you the basics on what you need to know and what to look for in Insurance 101.

If you’re serious about investing in real estate, you must read this book.

If you’re serious about investing in real estate, you must read this book. “Down to Earth Real Estate investing – My Ten House Strategy & Real Life Journey” will empower you with the tools necessary to becoming a great Canadian real estate investor. Chai mentioned the importance of finding and valuing your mortgage partner. As being Chai’s Mortgage Broker, we have experienced and overcome many roadblocks during the finance process.

The complexities in today’s mortgage environment may be difficult to comprehend however partnering with a strong mortgage professional will enable more opportunities as they can anticipate challenges that may threat a potential real estate deal. Having a well versed mortgage partner in both real estate and mortgage industries can be a great asset as they have multiple strategies and resources for getting deals done. As Chai mentioned, attractive products and rates should not always be the deciding factor for your mortgage until the overall picture has been assessed between yourself and the mortgage professional. The saying “two heads are better than one” could not be any truer in any relationship. No matter what industry you work in or what investment appetite you have, reading Chai’s book will open the door to a new way of thinking and help achieve success and personal balance.

Robert Lovatsis 

Mortgage Broker, MOREX | Mortgage Exchange

Down To Hearth
5.0
2019-02-21T18:48:40+00:00

Robert Lovatsis 

Mortgage Broker, MOREX | Mortgage Exchange

If you’re serious about investing in real estate, you must read this book. “Down to Earth Real Estate investing – My Ten House Strategy & Real Life Journey” will empower you with the tools necessary to becoming a great Canadian real estate investor. Chai mentioned the importance of finding and valuing your mortgage partner. As being Chai’s Mortgage Broker, we have experienced and overcome many roadblocks during the finance process. The complexities in today’s mortgage environment may be difficult to comprehend however partnering with a strong mortgage professional will enable more opportunities as they can anticipate challenges that may threat a potential real estate deal. Having a well versed mortgage partner in both real estate and mortgage industries can be a great asset as they have multiple strategies and resources for getting deals done. As Chai mentioned, attractive products and rates should not always be the deciding factor for your mortgage until the overall picture has been assessed between yourself and the mortgage professional. The saying “two heads are better than one” could not be any truer in any relationship. No matter what industry you work in or what investment appetite you have, reading Chai’s book will open the door to a new way of thinking and help achieve success and personal balance.

As a Broker and top 1% performing agent throughout Canada I can truly say he knows his stuff. Well done my friend.

I first met Chai and Lenny at an open house off of Marsellus, a main street in Barrie, in the fall of 2013.   The young couple took turns coming into the home separately for their daughter was peacefully napping in the car.   The home was located across from the park and was what I’d call a “typical” starter home. Slightly on the smaller side but still 3 bedrooms and 2 bathrooms with a finished basement.   

The all brick 2-storey was right by the school and a short walk to the communities newest recreation centre equipped with a popular waterslide. The couple did not end up buying that home but we did stay in touch and they bought their next investment home off of me and the relationship began to flourish.   Chai is definitely Mr. Research and would make sure he knew all of the in’s and out’s about every property sometimes before even stepping foot in it but definitely once through if considering an offer. Lenny was more on the design side, putting bathrooms over here or a bedroom over there and always bringing laughter to the afternoon despite the excess amounts of snow they quickly discovered were our norms in Barrie.   

The entrepreneurial couple has since expanded to three children but perhaps more impressive is their real estate portfolio. Chai has a strong desire to help those whether from his native land of Indonesia or families who now call Canada home. He is committed to help others help themselves as well as the next generation start off on a better foot so they don’t have to work as hard as they did. His family has been a pleasure to get to know and service and I can’t wait to see the empire the children will one day take over.   They should be truly proud and as a Broker and top 1% performing agent throughout Canada I can truly say he knows his stuff. Well done my friend.

Kristin Cripps

Broker - Your Choice Realty Brokerage Corp.

Down To Hearth
5.0
2019-02-21T18:51:52+00:00

Kristin Cripps

Broker - Your Choice Realty Brokerage Corp.

I first met Chai and Lenny at an open house off of Marsellus, a main street in Barrie, in the fall of 2013.   The young couple took turns coming into the home separately for their daughter was peacefully napping in the car.   The home was located across from the park and was what I’d call a “typical” starter home. Slightly on the smaller side but still 3 bedrooms and 2 bathrooms with a finished basement.    The all brick 2-storey was right by the school and a short walk to the communities newest recreation centre equipped with a popular waterslide. The couple did not end up buying that home but we did stay in touch and they bought their next investment home off of me and the relationship began to flourish.   Chai is definitely Mr. Research and would make sure he knew all of the in’s and out’s about every property sometimes before even stepping foot in it but definitely once through if considering an offer. Lenny was more on the design side, putting bathrooms over here or a bedroom over there and always bringing laughter to the afternoon despite the excess amounts of snow they quickly discovered were our norms in Barrie.    The entrepreneurial couple has since expanded to three children but perhaps more impressive is their real estate portfolio. Chai has a strong desire to help those whether from his native land of Indonesia or families who now call Canada home. He is committed to help others help themselves as well as the next generation start off on a better foot so they don’t have to work as hard as they did. His family has been a pleasure to get to know and service and I can’t wait to see the empire the children will one day...

I wish Chai all the best in the future and on behalf of the Indonesian community; I thank him for writing and publishing this book.

I know Chai and his wife since they landed in Canada in 2004 when they joined my Indonesian community mailing list, ServiamTO.  Little that I know, one day his passion became a reality, to be able to become a real estate or property investor, which he did. I had the privilege and the honour to edit the early manuscript of this book. I was amazed from the start to the end. Not only his English was so  good, the way he wrote also mesmerized me and I am sure of other will be readers. He was able to write about a complex subject, property investment with such a clarity and ease that had I still some fund and time, I would gladly follow his footsteps. He also divided the content into several chapters that all are essential to know and to master if one wants to become a property investor. In short, his book is a must-read for anybody who has an interest to own and invest in property. Actually the book is also full of wisdom, hindsight, lessons to be learned, not only for property investor but for other people who are thinking or planning of doing a business in Canada. I wish Chai all the best in the future and on behalf of the Indonesian community; I thank him for writing and publishing this book.

Jusni Hilwan

47 Longbow Sq.

Toronto

Down To Hearth
5.0
2019-02-21T18:59:50+00:00

Jusni Hilwan

47 Longbow Sq.

Toronto

I know Chai and his wife since they landed in Canada in 2004 when they joined my Indonesian community mailing list, ServiamTO.  Little that I know, one day his passion became a reality, to be able to become a real estate or property investor, which he did. I had the privilege and the honour to edit the early manuscript of this book. I was amazed from the start to the end. Not only his English was so  good, the way he wrote also mesmerized me and I am sure of other will be readers. He was able to write about a complex subject, property investment with such a clarity and ease that had I still some fund and time, I would gladly follow his footsteps. He also divided the content into several chapters that all are essential to know and to master if one wants to become a property investor. In short, his book is a must-read for anybody who has an interest to own and invest in property. Actually the book is also full of wisdom, hindsight, lessons to be learned, not only for property investor but for other people who are thinking or planning of doing a business in Canada. I wish Chai all the best in the future and on behalf of the Indonesian community; I thank him for writing and publishing this book.
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