In 2012, Kai Lu became a young landlord after his parents sold their business and bought him a property in China. After immigrating to Canada in 2014, Kai tried different ways of real estate investing, being a landlord, flipping, private lending, …he now focuses on private lending and commercial real estate investing.
From his own experience as an investor, Kai is able to identify the core issues investors have, and he uses his extensive network in the industry to find the best solutions.
Saajan is an experienced commercial mortgage professional with a strong track record of underwriting complex transactions across Ontario. His experience spans major financial institutions—including Canada’s Big Five banks—as well as a prominent private commercial lender, where he structured and underwrote diverse loans, including construction financing for purpose-built rental apartments, townhouse subdivisions, industrial condominiums, retail plazas, land development projects, and strategic acquisitions.
Combining institutional-grade credit discipline with private-market creativity, Saajan excels in comprehensive financial analysis, structured financing solutions, and meticulous due diligence. His rigorous approach ensures that every transaction aligns with both investor expectations and prudent risk management principles.
Saajan holds a Bachelor of Commerce (Honours) in Finance from York University. Beyond his professional commitments, he actively mentors finance professionals and maintains a keen interest in emerging trends shaping the Canadian real estate industry.
Today, Fouad is a proud member of Royal LePage Commercial – Signature Realty Inc., serving clients across both residential and commercial real estate. He holds active licenses with RECO (Real Estate Council of Ontario), LLQP (Life License Qualification Program), and as a Mortgage Agent Level One, which positions him uniquely at the intersection of real estate, insurance, and financial services. Passionate about helping people transform their property and financing goals into reality, Fouad is committed to being more than a “standard” realtor or broker, with new initiatives and services launching soon.
Gurleen Kaur is an experienced accounting professional with over three years of expertise in the field. She is known for her strong analytical skills, attention to detail, and commitment to accuracy. A creative thinker and quick learner, Gurleen continuously seeks opportunities to grow and bring innovative ideas to her work. Gurleen is passionate about helping individuals and families achieve their homeownership goals. With a strong interest in the mortgage industry, Gurleen takes pride in providing clients with clear guidance, personalized solutions, and a smooth lending experience. Gurleen genuinely enjoy building relationships, understanding client needs, and helping them make informed financial decisions with confidence.
Joe Beyhum decided to become a mortgage agent around 1 year after he bought his first home. Joe purchased a pre-construction townhouse at the end of 2021 and closed in April 2024. Being self-employed, without a T4, Joe wasn’t sure if he could get a mortgage with an A lender!! After securing his first mortgage, with an A lender, Joe learned that getting a mortgage was not as complicated as he first thought. Joe also learned that there are many great lenders, and they have all kinds of mortgages to suit everyone’s needs.
Joe’s vision is to help more people achieve the dream of owning a home, in a time where home ownership seems out of reach.
Joe’s mission is to educate the new generation of home buyers, and help them find the best solutions for their unique situation.
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