# Mortgage Agent > Home Mortgage Simplified ## Posts - [Which Mortgage Should You Pay Off First? Good Debt vs Bad Debt for Landlords](https://roshandsouza.com/mortgage-payoff-strategy-for-landlords/): By Roshan D’Souza, Mortgage Agent Level 2, Mortgage Architects A smart mortgage payoff strategy for landlords starts with recognizing that not all mortgage debt is equal. If you own a home and a rental property, you have two mortgages that look almost identical on paper: same lender, maybe even the same rate. But financially, they are not the same debt, and treating them the same costs landlords real money every year. Key Takeaways Why Your Mortgage Isn’t All One Debt In Canada, mortgage interest on your principal residence is not tax deductible. It is a personal expense, full stop. But interest […] - [Covering a Rental Property Shortfall in Canada? You're Doing It the Expensive Way](https://roshandsouza.com/youre-probably-paying-cra-to-cover-your-rental-shortfall/): If you are dealing with a rental property shortfall in Canada, you are not alone. Hundreds of landlords across the GTA and beyond are covering a $400- $500 gap every month, and most are doing so in the most expensive way possible. The Rental Property Shortfall Canada Landlords Ignore Most landlords write a cheque from their chequing account every month. Clean, simple, no new debt. It feels responsible. But here is the problem: that money came from your paycheque. Which means before it hit your account, CRA already took its share. You earned significantly more gross than you needed to net […] - [Rental Cash Damming – How to Convert Your Mortgage Into a Tax-Deductible One](https://roshandsouza.com/rental-cash-damming/) - [Common Mistakes to Avoid When Applying for a Home Mortgage in Canada](https://roshandsouza.com/common-mistakes-to-avoid-when-applying-for-a-home-mortgage-in-canada/) - [What is home refinance and how to make sure you get the best deal in Canada.](https://roshandsouza.com/what-is-home-refinance-and-how-to-make-sure-you-get-the-best-deal-in-canada/) - [10 steps to save money for your home down payment in Canada](https://roshandsouza.com/10-steps-to-save-money-for-your-home-down-payment-in-canada/) ## Pages - [Offset Mortgage Canada: How Manulife One Can Cut years and Thousands of Dollars in Interest Off Your Mortgage](https://roshandsouza.com/offset-mortgage-canada-how-manulife-one-can-cut-years-and-thousands-of-dollars-in-interest-off-your-mortgage/) - [Services](https://roshandsouza.com/services/) - [Homepage](https://roshandsouza.com/) - [Maintenance](https://roshandsouza.com/maintenance/) - [Privacy Policy](https://roshandsouza.com/privacy-policy/) - [Terms and Conditions](https://roshandsouza.com/terms-and-conditions/): Website usage terms and conditions [comment]: # (Generated by Hostinger Tools Plugin)