Budget Friendly Events Toronto

Bachata Intermediate (L3-L4)

9.00pm-10.00pm Bachata intermediate Instructor :David We switch partners so it's ok if you don't have partner Drop in = $15 You can enjoy unlimited classes any days any time and learn variety of Dances Waltz, ChaCha, Salsa, Bachata Monthly plan = $100 for new members first month Address: 39 Glen Cameron Thornhill, unit 1 647-504-9876 Cell:647-504-9876

Sunday Night with Friends! (Dinner, Cocktails and Conversations)

Hello everyone, I'd like to invite you out to our **Sunday Night with Friends-Dinner, Cocktails and Conversations** get together. -Reserved seating, friendly people, good conversation and great food awaits! So please plan to join us if you can :) \*Joined by my other groups too; so we can anticipate a fantastic evening **Time: 6:30 p.m. -9:30 p.m.** **Location:** La Carnita - Good Fortune Bar (Main Floor) **Address:** 130 Eglinton Ave. Toronto, ON M4P 2X9 Free Paring on Eglinton on Sundays on the North Side (Just East of the Restaurant) Event Details Bellow: Sincerely, Steve Flemming (Organizer/Host) Event Details: **Sunday Night with Friends! (Dinner, Cocktails and Conversations)** -The great thing about this dinner party is you're free to move around to different tables and meet the other members too throughout the evening **Dinner Party Topics** may include but not limited too: Travel, Culture, Spirituality, Relationships, Modern Dating, Life after Marriage, Work/Life balance, Art, Technology, Economy, Music, Movies, Sports, Fashion, Hobbies, Books, Psychology, Philosophy, the Future, History, Pop Culture, Theatre, Living the Good life etc.) **Arrival Time:** \*Join us any time between 6:30 pm and 7:15 pm (if you can) for a fun and highly interactive evening as we get to know the members over dinner and great conversations (of your choice) Event goes until roughly 9:30 pm (stay later if you like) **Event Fee:** 5 dollars (cash only please) (HST included) or in advance by e transfer to **[steveflemming11@gmail.com](http://steveflemming11@gmail.com/)** \-\-\-\-\-\-\-\-\-\-\-\- **Friendly Reminder:** \*One beverage or appetizer minimum to support the venue- this is greatly appreciated :) \-\-\-\-\-\-\-\-\-\-\-\- **Parking Available:** \*Plenty of free street parking on Eglinton and (Residential area south/east of venue for free) **Close to Subway Station:** \*Also right beside the Yonge/Eglinton subway station \-\-\-\-\-\-\-\-

Summerlicious: Korean Dinner at Comma

The Friends and Fun Summer Patio Dinner Party! (July 19th)

Hello everyone, I'd like to invite you out to our **Friends and Fun Summer Patio Dinner Party!** -Reserved seating, friendly people, good conversation and great food awaits! *\*Joined by my other social groups too so we can anticipate a fabulous turn out!* **Date:** Sunday, July 19th, 2026 **Arrival Time:** Please arrive between 6:00 p.m. -7:00 p.m. (if you can) **Where to Meet us?** **Location:** Smoke Show **Address:** 744 Mt. Pleasant **Free Parking:** in Residential area and on Eglinton and Mt. Pleasant north of Eglinton **Eglinton and Mt. Pleasant Subway:** (Very close, 1 minute walking distance) Event Details Bellow: Sincerely, Steve Flemming (Organizer/Host) Event Details: **The Friends and Fun Summer Patio Dinner Party** -A great post Wold Cup Finals celebration among friends and new members -The great thing about this summer patio dinner party is you're free to move around to different tables and meet the other members throughout the evening **Optional:** **Dinner Party Topics** may include but not limited too: Travel, Culture, Spirituality, Relationships, Modern Dating, Work/Life balance, Art, Technology, Economy, Music, Movies, Sports, Fashion, Hobbies, Books, Psychology, Philosophy, the Future, History, Pop Culture, Theatre, etc.) \*Or you can just converse casually and organically :) **Arrival Time:** \*Join us any time between 6:00 pm and 7:00 pm (if you can) for a fun and highly interactive evening as we get to know the members over dinner and great conversations (of your choice) Event goes until roughly 9:30 pm **Event Fee:** 10 dollars (cash only please) (HST included) or in advance by e transfer to **[steveflemming11@gmail.com](http://steveflemming11@gmail.com/)** \-\-\-\-\-\-\-\-\-\-\-\- **Friendly Reminder:** \*One beverage or appetizer minimum to support the venue- this is greatly appreciated :) \-\-\-\-\-\-\-\-\-\-\-\-

Summerlicious: Dinner at Honey Chinese

SATURDAY BOWLING with SINGLES and FRIENDS! (Saturday July 11th)

Hello everyone, Plan to join us for a great day to Mix, Mingle and **Bowl!** \*Joined by my other groups to so we can anticipate a terrific turn out. \*Event details below \-\-\- **Location:** **Play Time Bowl** 33 Samor Rd, North York, ON M6A 1J2 **Free Parking** found all around the location \-\-\- Sincerely, Steve Flemming Organizer/Host [meetup.com/soulcity/](http://meetup.com/soulcity/) \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\- **Event Details:** **SATURDAY BOWLING with SINGLES and FRIENDS!** -A fun, well organized event with lots of socializing, mingling and of course ten pin bowling! -This event is totally co-ed for all levels and all ages -Bring along your friends if you like or come on your own; either way always a great time \*Dinner menu available too (Optional) -Free Parking as well all around the venue \-\-\-\-\-\-\-\-\-\-\-\-\-\-\- **Event Fee:** 40 dollars (Includes Social Mixer, 90 minutes of Bowling, and then more mingling after (optional) Also includes HST & Shoe Rental in the price) \*Cash only when you arrive or by e transfer in advance: **[steveflemming11@gmail.com](http://steveflemming11@gmail.com)** \*10 dollars if you wish to just take part in the (pre and/or after) mix/mingle party but not the bowling \-\-\-\-\-\-\-\-\-\-\- **Please arrive between 4:00 pm & 4:40 pm**-so I can secure lanes for everyone (You will see me (Steve Flemming) (and the group) when you walk in through the front entrance in the main bar/seating area \*We will have time to introduce ourselves and get to know each other before we begin the bowling :) \-\-\-\-\-\-\-\- **Friendly Reminders:** Located just south of 401 and just off of Dufferin (on west side) \*Parking is Free (located on both sides of building) Closest subway station is Yorkdale Mall -10 minute walk from the mall subway station \-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-

Greelz on Bloor - Nigerian food

Buying U.S. Real Estate: Section 8, Low Down Payments & Government Programs

**Buying U.S. Real Estate: $50K–$100K Properties, Section 8, Low Down Payments & Government Programs** Many Canadians and business owners are curious about buying real estate in the United States — but most people do not realize how different the U.S. investment market can be. In some U.S. markets, investment properties may be available in the **$50,000 to $100,000 range**, and qualified investors may be able to use financing, rental income, Section 8 housing programs, and other U.S. incentives to create opportunities that are difficult to find in Canada. This **free event** is designed for investors, entrepreneurs, business owners, and real estate professionals who want to better understand how U.S. real estate investing works — especially for rental properties, affordable housing, fix-and-flip projects, and long-term portfolio building. *** ## **What This Event Is About** This session will explain how investors may be able to buy U.S. real estate using investor-focused financing programs, rental-property loans, bridge loans, renovation financing, DSCR-style lending, and government-supported rental strategies such as Section 8 / Housing Choice Voucher housing. We will also discuss how investors can look for U.S. properties in more affordable markets, where entry prices may be significantly lower than many Canadian cities. The goal is to help attendees understand how to think about U.S. real estate investing from a practical, numbers-based, opportunity-focused perspective. *** ## **Why This Topic Matters** Many investors assume they need hundreds of thousands of dollars to start buying rental properties. In the U.S., that is not always the case. Depending on the market, property type, borrower profile, financing structure, and local program rules, investors may be able to explore opportunities involving: * Lower-cost investment properties * Rental income-based financing * Section 8 / Housing Choice Voucher tenants * Government-supported rent payments * Renovation and value-add opportunities * Fix-and-flip projects * Long-term rental portfolios * Bridge financing * Cash-out refinance strategies * Affordable housing investment models * Local, state, and federal housing-related programs This event will help explain how these pieces fit together. *** ## **Topics We Will Cover** ### **Buying U.S. Real Estate with Less Capital Upfront** Learn how qualified investors may be able to use financing to purchase U.S. investment properties without paying the full purchase price in cash. Certain rental-property financing structures may allow qualified buyers to finance a large portion of the purchase price. Some investor rental loan programs may allow up to approximately **75% loan-to-value on purchases**, which may mean a down payment of approximately **25%**, subject to the borrower, property, credit, reserves, and underwriting requirements. The session will explain what this means in practical terms and why the down payment is only one part of the deal. ### **$50,000 to $100,000 U.S. Investment Properties** In select U.S. markets, investors may find properties in the **$50,000 to $100,000 range**. These are not usually luxury properties, and they often require proper due diligence, local market knowledge, inspections, management, and realistic renovation budgets. However, for the right investor, lower-cost properties may create an opportunity to enter the U.S. market with less capital than many Canadian real estate investments require. We will discuss how to evaluate these properties, including purchase price, renovation cost, rental demand, property taxes, insurance, vacancy risk, property management, neighbourhood trends, tenant quality, exit strategy, financing options, and cash flow potential. ### **Section 8 / Housing Choice Voucher Rental Opportunities** One of the most interesting strategies in U.S. real estate is buying affordable rental properties and leasing them to tenants who receive rental assistance through the Housing Choice Voucher program, commonly known as Section 8. Under this type of program, the tenant may pay a portion of the rent, while the local housing authority may pay the approved subsidy portion directly to the landlord. This can create a more structured rental-payment environment for landlords, but it is not automatic. Properties must meet health and safety standards, rents must be approved, and the landlord must work with the local housing authority. We will discuss how Section 8 housing works, why landlords participate, how rent payments may be structured, what inspections are required, how payment standards work, what risks investors must understand, why property selection matters, and how Section 8 can fit into a long-term rental strategy. ### **DSCR and Rental Income-Based Financing** Many real estate investors are interested in DSCR-style lending because the property’s rental income may play a major role in the loan analysis. Instead of relying only on traditional employment income, some investor-focused loans may look at the income potential of the property, the borrower’s credit, the property value, reserves, and the overall strength of the deal. This can be especially interesting for business owners, self-employed individuals, Canadian investors, portfolio investors, investors with strong assets but complex income, and investors who want to scale rental holdings. ### **Bridge Loans and Fast-Moving Deals** Bridge loans may help investors move quickly when they find a strong opportunity. These loans are commonly used for acquisitions, refinances, repositioning, renovation, or value-add projects. We will explain how bridge loans may be used, why speed can matter in competitive markets, and what investors need to watch out for before using short-term financing. ### **Fix-and-Flip Financing** Fix-and-flip financing may allow investors to purchase, renovate, and resell residential investment properties. This section will explain how lenders may evaluate purchase price, renovation budget, after-repair value, investor experience, contractor plan, timeline, exit strategy, and local resale demand. ### **Buy, Renovate, Rent, Refinance** This strategy involves buying a property, improving it, renting it out, and then potentially refinancing into longer-term rental financing. For investors who understand the numbers, this can be a way to recycle capital and build a larger rental portfolio over time. We will discuss the opportunity, the risks, and the importance of having a realistic plan before buying. ### **Cash-Out Refinance Opportunities** Investors who already own rental property may be able to use a cash-out refinance to access equity and redeploy capital into additional properties, renovations, reserves, or other investments. This strategy can be powerful, but it must be evaluated carefully because pulling equity out of a property can increase risk if cash flow, rates, expenses, or property values change. ### **Short-Term Rentals and Airbnb-Style Properties** Short-term rentals can be attractive, but they require careful analysis. Local rules, zoning, occupancy assumptions, seasonality, management costs, insurance, and platform risk can all affect the economics. We will discuss how investors should think about short-term rentals before assuming the income will support the deal. ### **New Construction and Investor Builds** Some investors may choose to build instead of buy. New construction financing can be used for ground-up investment projects, but it requires a strong budget, timeline, draw schedule, contractor plan, and exit strategy. This section will explain how construction financing is generally structured and what investors should consider before pursuing a build. ### **U.S. Subsidies, Incentives, and Housing Programs** We will provide a general overview of U.S. programs, incentives, and subsidy-related opportunities that may support affordable housing, rental housing, community revitalization, energy efficiency, housing development, small business expansion, opportunity-area investing, and local economic development. Availability depends heavily on the property location, project type, buyer structure, local housing authority, state rules, federal program requirements, and current funding availability. *** ## **Who Should Attend** This event is ideal for: * Canadian investors interested in U.S. real estate * Business owners looking to diversify into property * Real estate investors * First-time U.S. property buyers * Fix-and-flip investors * Buy-and-hold rental investors * Section 8 housing investors * Builders and developers * Mortgage and lending professionals * Real estate agents * Investors interested in DSCR financing * Investors interested in affordable housing strategies * Anyone interested in learning how U.S. real estate investing works *** ## **What You Will Walk Away With** By attending, you will gain a clearer understanding of: * How U.S. real estate investing differs from Canada * Why some investors look at lower-cost U.S. markets * How properties in the $50,000 to $100,000 range may be evaluated * How low-down-payment investor financing may work * How rental income-based lending may help investors qualify * How Section 8 housing may provide government-supported rent payments * What risks exist with affordable rental properties * How to think about cash flow, financing, reserves, and exit strategy * How to identify programs and incentives that may support an investment thesis *** ## **Event Details** **Date:** Wednesday, July 8, 2026 **Event Fee:** Free **Registration:** RSVP required **Seating:** Limited seating available **Agenda** **6:00pm – 6:15pm:** General Networking **6:15pm – 8:00pm:** Seminar and Discussion **8:00pm – 8:15pm:** Questions and Next Steps *** ## **Important Disclaimer** This event is for educational and informational purposes only. Financing approval, down payment requirements, loan-to-value limits, Section 8 participation, rent approval, subsidy eligibility, grant eligibility, tax treatment, and program availability depend on the specific borrower, property, location, lender guidelines, local housing authority rules, credit profile, reserves, and overall deal structure. No financing, rent payment, subsidy, grant, investment return, or approval is guaranteed. Attendees should consult the appropriate legal, tax, lending, insurance, property management, and real estate professionals before making investment decisions. *** ## **Networking Opportunity** In addition to the presentation, this event provides an opportunity to meet other business owners, real estate investors, entrepreneurs, and professionals who are interested in U.S. real estate, financing, and wealth-building strategies. Please bring business cards and be prepared to connect with others who may be exploring similar opportunities. *** ## **About LeaderSHIFT** LeaderSHIFT is a leadership development program for CEOs, Presidents, entrepreneurs, and business owners who want to discover innovative strategies and capitalize on growth opportunities. The program focuses on practical ideas in leadership, finance, strategy, innovation, business development, and people. LeaderSHIFT is designed for growth-minded entrepreneurs and investors who want to think differently, identify opportunities earlier, and build relationships with others who are focused on taking their businesses and investments to the next level. Photography and audio/video recordings are not permitted without prior consent from Amit Kapoor. *** ## **Questions or Concerns?** Please feel free to reach out by SMS at **437-248-7424** if you have any questions or concerns. *** ## **Questions or Concerns?** Please feel free to reach out by SMS at **437-248-7424** if you have any questions or concerns.

TOPHATs Taste of Vietnam and Beer Bistro on King

Join Lawrence, your top hatted host, for Happy Hour at Beer Bistro, then Taste of Vietnam at City Hall. Please bring a folding chair to enjoy the show as seating in Nathan Phillips Square can be challenging. At 5 pm, I will reserve space for our group at Teller's Beer Bistro, where we will enjoy some Happy Hour Hops. https://beerbistro.com/ 18 King St E, Toronto, ON M5C 1C4 At 6pm, we will head to Taste of Vietnam, where we will enjoy food, drink, live performances, and shopping. 100 Queen St W, Toronto, ON M5H 2N1 https://www.tasteofvietnam.org/ At 9pm, our event will end, though the festival continues later.

Badminton Enthusiast

This group is for badminton enthusiasts who are passionate about exploring the connections between metabolism, energy, and exercise. We are welcome beginner plus, intermediate and advance level players looking to improve your skill or a seasoned player seeking to optimize your performance on the court, this group is for you! Join us for friendly games. This badminton session is a weekly event and it is followed with dinner together but it is optional. Since we have 3 courts and allowed the maximum of 24 players so that everyone signs up for this event will be placed on waiting list FIRST then will be moved to the joining list on WEDNESDAY MORNING. Court fee: It will be informed at the comment section by 4pm. Cost per person is either $162 (for 3 courts) divided by the number of players attended OR $108 (for 2 courts) divided by the number of players attended. My email address will be provided at that time for etransfer.

All-Level &Beginner Friendly $10 Drop In Saturday Morning @ CA Badminton

:Saturday Morning Drop In Cost $ 10 \*\*\* \* Included Plastic birdies, please try to have cash and pay before playing. \*\*\*(Cash Only) (Cash Only) (Cash Only) Location: 1370 Birchmount Rd, Unit 6 \*The close intersection in Birchmount Rd & Lawrence Ave. Time: Saturday 9:30 AM - 12 PM \*\*\*9:30 AM- 12 PM 3 courts available \*\*\*\*\* \*Please bring your own racquet, \*Please bring indoor gym sport shoes. (Change shoes in the club) \*\*\* \*This weekly gathering is for all levels (beginner to advance) badminton players. \*No outside food allowed. \* This event is for the purpose of playing friendly double games and for all levels of players from beginner to advance. Please do not use this as an opportunity to do training and singles games. Attendance in effect -please give at least 24hr notice in advance for cancelation so others may have time to react. Late show and no-shows maybe permanently removed from group and unable to rejoin. \*Only registered members can participate; visitors are not permitted. If you wish to participate, please register as a member first, and then view the event details and participation instructions. \*\*\*\*\*\* ⚠️⚠️⚠️ To ensure efficient use of event slots, all registered participants must confirm their attendance with the group administrator by the specified deadline (if there is a waitlist). If attendance is not confirmed within 72 hours of the event start time, or if you are absent, your slot may be reassigned to a candidate on the waitlist or a new member. This rule aims to ensure fairness and maximize the participation opportunity for all members. Since the venue cost is shared by all confirmed participants, those who do not attend must notify the administrator before the deadline. Failure to notify the administrator by the deadline will result in payment of the venue cost. Thank you for your understanding. \* Please note: Failure to pay the venue cost will result in removal from membership. * Slot allocation is based on the order of candidate responses. To ensure fairness and better coordination, when a registered candidate cancels their slot, the administrator will send a notification to all candidates individually each time slots open. Due to limited slots, slots will be allocated on a first-come, first-served basis according to the response time. \*Please be sure to notify the administrator 24 hours before the event start time if you need to cancel. Late cancellations will require payment of the venue cost. Thank you for your understanding and cooperation. \*If Violations occur repeatedly, the final decision rests with the super administrator. Thank you for your understanding and cooperation.

The Goodman Pub