The Cash Damming
Mini-Course for Canadian Landlords
Your rental income is already paying your mortgage.
Make it tax-deductible too.
Cash Damming is a CRA-approved strategy that redirects your existing rental cash flow to eliminate personal mortgage debt — while converting your rental expenses into fully tax-deductible interest. No extra cash required.
Start the Free Course → Read the strategy overviewFree · Account required to track progress · No credit card
What Is Cash Damming and Why Does It Matter for Canadian Landlords?
If you own a rental property and still have a personal mortgage, you're likely paying your home loan with after-tax dollars — while your rental expenses sit as non-deductible debt. Cash Damming fixes that structure without requiring any change to your income or monthly payments.
Rental income pays rental expenses. Personal income pays your mortgage.
Your rental expenses are deductible, but your personal mortgage interest isn't. You're using the wrong money to pay the wrong debt — and the CRA isn't helping you.
Rental income pays your personal mortgage. You borrow to cover rental expenses.
By redirecting your rental income to your personal mortgage and borrowing to cover rental costs, the borrowed interest becomes fully tax-deductible. The structure is CRA-approved and requires no extra cash.
You don't need a high income for this to work. Any Canadian landlord with a personal mortgage and rental property can potentially benefit — the strategy works by restructuring how money flows, not by requiring more of it.
See how this could work for your numbers
Use the Cash Damming calculator to model your rental income, expenses, and personal mortgage before taking the course.
What the Cash Damming Course Covers
The course focuses on the concept and the cash flow mechanics — how money moves, why the CRA allows it, and how to know whether your situation qualifies. It's built for landlords starting from zero knowledge of this strategy.
Why most landlords are structured wrong — and losing tax deductions every month
The fundamental flaw in how most Canadian landlords manage cash flow, and why it costs them thousands in foregone deductions annually.
How Cash Damming redirects your rental cash flow
A plain-language walkthrough of the cash dam structure — how rental income is redirected, how the borrowing works, and why the interest becomes deductible.
The wrong way vs. the right way — side by side
A direct comparison of a typical landlord's cash flow vs. one using Cash Damming — showing exactly where the tax advantage comes from and how the debt converts over time.
Who the Cash Damming Course Is For
This is built for Canadian landlords — anyone who owns a rental property and still carries a personal mortgage on their primary residence.
Landlords with a personal mortgage
If you own at least one rental property and still have a mortgage on your home, Cash Damming can potentially restructure how you pay both — making the interest on your rental debt deductible.
Self-employed Canadians and incorporated business owners
If you have regular business expenses flowing through your rental or corporation, Cash Damming can be especially powerful — and can work alongside the Smith Manoeuvre for maximum effect.
Investors looking to accelerate mortgage paydown
The redirected rental income hits your personal mortgage directly every month. Over time, the combined effect of deductible interest and faster principal paydown is significant.
Anyone frustrated by non-deductible mortgage interest
If you're already running a rental and wondering why your mortgage interest isn't deductible when your rental loan interest is — this course answers that directly.
This probably isn't for you if:
- You don't own a rental property or don't have a personal mortgage
- Your rental income is minimal or irregular — the strategy works best with consistent monthly cash flow
- You're planning to sell your primary residence in the near term
Not Sure If Cash Damming Works for Your Situation?
Book a free call with Austin to walk through your rental setup, mortgage structure, and cash flow. He'll tell you honestly whether Cash Damming makes sense — and what implementation would look like for you specifically.
No obligation · 30 minutes · Toronto & across Canada
Built by a Canadian Mortgage Strategist Who Invests in Rental Properties
Austin Yeh is a licensed mortgage strategist based in Toronto with Vine Group. He's personally acquired over 25 rental properties — including multi-family, short-term rentals, fix and flips, and BRRRR — and has worked with landlords across Canada to restructure their financing.
Austin built this course because Cash Damming is one of the most misunderstood strategies in Canadian real estate — most landlords have never heard of it, and those who have often can't find a clear explanation of how it actually works.
Featured in Toronto Life, University of Toronto Magazine, Canvas Rebel, and Yahoo Finance. Founder of RISE Network with 7,300+ members.
Trusted by Canadian Landlords and Investors
"I'd been a landlord for 4 years and had never heard of Cash Damming. After the course I realized I'd been leaving thousands in deductions on the table every year."
"Austin explains this in a way that actually makes sense. The concept clicked for me in the first module — I booked a call the same day."
"Clear, no-nonsense, and honest about what the strategy does and doesn't do. Exactly what I needed before booking a consultation."
Frequently Asked Questions About Cash Damming
Take the Free Cash Damming Course for Canadian Landlords
Learn the concept, understand the cash flow structure, and decide if Cash Damming is worth exploring for your rental setup. Free, self-paced, no obligation.
Start the Free Course →