Buy on Baltic

A Playbook to Building Wealth Through Rental Properties

28+

Years in Real Estate

10

Costly Mistakes Shared

1

Practical Playbook

Buy on Baltic book cover

BUY ON BALTIC. LIVE ON ST. JAMES. VACATION ON BOARDWALK.

Rich Spence learned the rental property game the hard way. Now he hands you the cheat codes. This book strips away the complexity of real estate investing and gives you a clear, proven system for finding, buying, and managing cash-flowing rental properties.

No jargon. No theory. Just the real lessons from a 28-year career in real estate and mortgage finance.

Read What’s Inside

THE PLAYBOOK AT A GLANCE

01

FIND IT

Discover how to identify cash-flow-positive properties even in cities you’ve never visited. Rich reveals his market-scouting method step by step.

02

FUND IT

Where does the down payment come from? Rich walks through equity take-outs, the BRRRR strategy, and how debt can actually work for you tax-free.

03

MANAGE IT

From picking the right tenant to knowing when to hand off to a property manager, learn how to build a portfolio that runs without consuming your life.

RICH SPENCE

Fintech entrepreneur. Real estate investor. Former President of Mortgage Centre Canada. And, first and foremost, a family-first husband and father.

Rich built this book originally as a guide for his own children, so they could one day manage their investments with confidence. It has since grown into a practical roadmap for anyone ready to start building wealth through rentals.

Full Bio
Rich Spence

Rich Spence

10 MAJOR MISTAKES TO AVOID

Rich lost hundreds of thousands of dollars learning these lessons. You don’t have to.

“Learn from the mistakes of others. You can’t live long enough to make them all yourself.” — Eleanor Roosevelt
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