Inside Neighbours Foundation's Plan to Build 200,000 Attainable Homes

Neil Silvert: Hi, everybody. I'm Neil from the Your Grey Matters podcast. Welcome back. Welcome to this wonderful Canadian winter. Soon it'll be over. Hey, everybody. I just got back from an amazing conference. As you know, on this podcast, we love great people with amazing ideas. We love disruptive technologies and we love things that disrupt the way that we do things normally. And I heard this great speaker, his name's Jay Dollywall. And he said, have you ever thought about the fact that everything ever created in this world emanated from someone's imagination? And tonight we have two really, really wonderful guys to come on the show. They've got great minds. They both have obviously a terrific imagination. You'll understand what I mean over the next few minutes. And the topic today, however, is more of a troubling one. It's something that people do not like talking about over dinner because it's about Canadian housing market. Everybody knows somebody who's having a rough time getting into the market. Our national average house price is between six and $700,000. Things have improved maybe slightly, but home ownership still consumes a big portion of household income. We have today Andrew and Chris, Andrew Murray, Chris Beckwith. They're the founders of an organization. Now get this folks, a nonprofit organization where they want to build attainable housing. They're the founders of a company or a foundation actually called Neighbors Foundation. And I brought them here tonight to talk about their mission, their model. And I want to know if this can actually work. So I'm curious, as you know, I have a mortgage background, I've funded projects, and I'm curious about what these great guys are thinking. And I've known Andrew Murray for years. Andrew is an entrepreneur, he's a custom home builder, a Red Seal journeyman electrician, and he's got a really good background in construction management and real estate investment. He's led large-scale residential projects and brings hands-on technology and project oversight experience to the organization. It's not a neophyte. Chris Beckwith, he's also an entrepreneur. He's been in the roofing industry. He's a leader with that. He's got more than 30 years of experience, including 20 years of experience in ownership and leadership roles. He combines hands-on technical expertise in sales, operations, and business growth experience. And they present themselves publicly as founding directors of a non-for-profit organization called Neighbors Foundation. It was formed in 2025 with the goal of developing, get this folks, middle housing. and helping first-time buyers achieve home ownership. Fellas, welcome to the Your Gray Matters podcast.

Andrew Murray: Thanks for having us Neil.

Neil Silvert: Very glad to have you both. Andrew, you're welcome. Andrew, I'm going to start with you and let's just talk about what is your foundation trying to do? What's the purpose of this?

Andrew Murray: Well, we have a pretty big goal, Neil. We want to build 200,000 homes in 10 years. So it's a pretty big stake to get into. But we think it's worthwhile in Canada. The missing middle is a unique spot in the industry. As you know, you're a broker. People have just been priced out of the market. And it's not fair to Canadians. I'm, 47 years old. and I remember I could buy a house for 250,000 15 years ago. That was a stepping stone. went from rent, you bought your first home at 250 and then five years later you sold it and he kept on moving up, moving up, moving up. It's not there anymore for this, the missing middle. So there's a, there's another guy on our team too. His name's Phil. He couldn't be with us tonight. but he's another founder and Chris. And we said, well, how can we help people? How can we do this? How can we put our brains together as tradesmen and as construction guys and go, how can we solve this problem? And this is how Neighbors Foundation came to be. And we're just working hard to make it happen.

Neil Silvert: So what would be the price range that you're targeting?

Andrew Murray: , price range retargeting is between two 75 and four 50,000. So it's almost impossible. Like there is homes, you know, this,, there is homes in the market that are three 50, but you're going to have to put a hundred to 200,000 into them. So these, these are going to be new,, houses. That's our goal., this is, this is the problem is that.

Neil Silvert: Okay. Hard to buy at that level.

Andrew Murray: Most people only make 135,000 annual household income a year or less. So 80 % of the population makes between 60,000 or 55,000 actually, and 135,000. And you know, as a mortgage broker that at 135,000, you're not getting much. You're getting maybe 500 to 550,000 on that price range. Yep. And that's it. So. Really 80 % of the population is priced out of the market and we're here to solve that problem.

Neil Silvert: And I'm going to assume that this is for homeownership. Are you also building rentals? Are you doing infill? What's the target?

Andrew Murray: Yeah, we're doing right now we're actually we got a couple of things on the go. We're actually looking at some property down Niagara Way. And then we also have some property that we're looking up in Innisfil way, Barry Innisfil. That's that's the actual subdivision. Home ownership, your own place with your backyard, maybe a townhouse, maybe a semi, maybe a full. These are Slavon grade homes. Nothing fancy. Like, you know, our grandparents, they came to this country, they had nothing in their pockets and they got a wartime home on, the concession street in Hamilton, you know, for 5,500 bucks. really they didn't have basements. did, but these, these day and age, you don't need basements. So we're looking at about a thousand to 1500 square foot home, two, two bedroom, one bath, two, two and three twos. And then we'll have town homes and also a rental program. So we're really. really keen on rent to own, where you can rent some of our units and we'll teach you how to save and we'll teach you how to get into one of our homes in the five to 10 years. So it's a saving program, educational as well.

Neil Silvert: So is this actually purchase or is it a, so it's not a rent-own. This is an actual get in the market.

Andrew Murray: get in the market. So we have get in the market and then we have a rental program. we're doing in GTA, we're going to be building a six story or four story buildings, usually one to two bedroom and they're strictly going to be affordable rentals. And then we also have some six plexus going up as well. And there are two twos and they're strictly rent on. But when you rent from us, We will teach you and we'll help you get into a house in that five to 10 year period.

Neil Silvert: so it's really, it's not only purchasing a home and providing housing, it's an educational and planning and actual savings program to eventually get into a home. Correct. That's really important because you don't see a lot of that.

Andrew Murray: No, you don't see that at all. Like there is some programs out there. I've known some programs, but not too much. think Chris, you wanted to say something about that?

Neil Silvert: Yeah, go ahead, Chris. Jump in.

Chris Beckwith: So you know what we found out when we started Nevers Foundation? Originally it was strictly to build homes and sell them to that missing middle. But we started realizing that a lot of people are paying so much in rent, they're having a difficult time saving up for a down deposit. So what we realized is that by creating affordable rental, we'll help fast track them to save up to be able to afford. to buy one of our first houses. So we actually created a first, the first stepping stone was to buy a house with us. And then we actually inserted another stepping stone to help get to us. Because what we realized is that right now an average Canadian takes about 30 years to save up for their first house now. So what we've realized is that about approximately about 30 years, they're in their like mid forties by the time they buy their first house. But what we've done is by getting our houses down to about $400,000, they can save up, say in the first five years, they can save up a down payment and then get into one of our houses, live in it for another five, and they'll have obviously equity in that house if they want to sell it and get into that a little bit bigger house, right? They can get there in 10 years time versus 30 years, because we basically shaved off about 20 years off the timeline now.

Neil Silvert: It's amazing because in our day, my damn older than you guys, but you bought a house and then you paid it off in 30 years. You didn't spend 30 years saving up for a down payment. And that is the biggest commentary, I think, on our housing crisis more than anything else to me anyways. It's fascinating. That sounds really, really good. And so what I'm understanding is that your homes are really very wonderful homes. They're not gonna be the biggest home in the world. But you get in the market, they'll be comfortable. I'm going to assume that they're going to be in nice neighborhoods and you have a couple of bedrooms and you'll be able to come home from work and look around, say, I own this. And for those who aren't ready, they get to start in a rental program that will lead them to home ownership. Correct. Excellent. Wonderful guys.

Andrew Murray: We also, our communities are just not like, what this is where the foundation really will strive is that we want to build communities. We don't want to just build homes. So with the communities, we want to have those, you know, you want to barbecue in the back. Great. You can have your friends, people from the streets, but, who do you really have over at your house? You have family. And so you might have aging parents, you might have., you know, uncles or aunts, but that this isn't going to be a community that they all can live. We're also, we also have retirement communities that we're going to have inside of these communities so that the grandkids don't have to, you know, travel 20 minutes to go see their grandparents. They'll be in the community with you. And so we'll have a community center. We'll have,, programs that you can do in the community center. It's going to be, I know as a kid, we had 30 kids living on my street when I grew up. We played road hockey. played capture the flag. We played hide and seek. We played baseball in the field. And those kids that I knew, I still know some of them today. And those are the memories that I have. You go into community right now, you don't see that. You see nobody. Nobody knows their neighbors. Nobody. As Canadians, have lost our culture and our culture was our community and our community. We want to bring that back as Canadians. We want to bring back that culture. And that's why our communities will be just not a place to have a house and you're by yourself, but everyone will be together.

Neil Silvert: So guys, this is really good and I salute you for this. Let's drill down with the questions that every developer faces. And it simply is, where are you in the process? Have you secured land? Are you in permitting stage? Do you have drawings? Explain to me where you are right now.

Andrew Murray: I'll go with the land right now. Land, land is a problem in this country. We have the second most amount of land in the world and we have our land in the GTA and in Southern Ontario is the most expensive. And it is, we are having trouble finding land at a proper price. So there's lots of land out there, but people are wanting a little bit too much to make it happen. So we do have. two that we are talking to very well and they're coming online very quickly and they're getting to see once you talk to people and talk to these landowners, some of them will be like, no, but some of them really get it and they go, yeah, I can do that. So we're having a good success on that. have two that are kind of in a pipeline. Those two will probably won't build on those for about two and a half years, but that's okay because. we're going to be in a recession for two and a half years and we're not going to be coming out of it really for 12 years. you, all of us know this is 1989 all over again. I don't want to, we don't want to be down, but this is, this is the reality that we live in. So we're in a good spot where we can get these homes built. So when the markets does start increasing a bit, they're going to be able to get those homes at those prices.

Neil Silvert: So let's continue in that line and Chris, of course, jump in at any time. So you may have secured a couple of pieces of property. How big is that property? Like how many houses do you see yourself starting off with?

Andrew Murray: I wanted Niagara Falls Fort Airway. That one will probably be around $2,200 to $3,000. It depends on what we put in there. We're looking at a retirement community, which we could get higher amounts in. If it's just the townhouses and singles and a couple of low-rise, you're looking at about $2,200 for that one. We have one up in Innisfil that we can probably get about $1,600 in on that one with a mixed bag as well. of a semis, singles and towns. So right now for the first in two years, when we start going that year will probably be about 5,000, but then our rental program, we're looking to really ramp that one up. cause that's a little bit quicker to do. we're probably going to be in about five years have about, I'd say about three to 7,000 rentals. So we're talking in the first five years, you're going to have maybe 10,000 homes, but that's just right now. Once we get one going, we just keep going. we have a team that it's going to build. We're trying to use new technology to build quicker.

Neil Silvert: Terrific, terrific, this is good. Chris, let me ask you. So you've got a couple of pieces of property that you may be able to get a hold of. I'm only asking this question because I'm so fascinated. Many, many years ago, I was a trained fundraiser. That's what I did charitably. So I look at your businesses structured as a foundation. That tells you that you're looking for not investors, but donations. Like I'm looking at... how you're going to secure the land, pay for it. And then we all know it'll take all those years just to get the permits anyways with our slow system, but that costs a lot of money. So take us further into this.

Chris Beckwith: So when it comes to the fundraising, we teamed up with a guy, his name's Ross De Phil. so he's associated with Mark Wohlberg. He's doing all our fundraising for us. And basically all we're for is once we pen one deal with one of these land owners and we can put an address to it, we'll start pushing the fundraising. So that's what we're waiting for right now. Probably in the next couple of weeks, we'll have something. and then start looking for us on social media and Rasta Phil.

Neil Silvert: So tell me a little more about the fundraising. First of all, so in securing this land, you already have some money in the organization to purchase or it'll all be based on when this gentleman starts getting the fundraising done.

Andrew Murray: It will be, it's a, it will be a joint venture with, with, with the landowners. we will, they own the land. We come in as a joint venture. So we're the active partner. They have to, they see what we want to do. We tell them what we're doing and they're, all of them are, okay, let's do a joint venture. I have the land and, and, and the capital. Let's do this. Most of these guys don't want to. It's the construction industry is kind of dead for house, but home building. So. These guys still want to build, but they, they need a new platform to do it in. And we are that platform. So, so we are coming in with a, with a new idea, with a fresh idea that it's not new. It's been around for a long time and it's called attainable housing. The housing market that we've known has gone kind of out of control and we're trying to rein it back in a bit. so these, so these landowners see this and they want to play ball with us. So with the fundraising too, that's one aspect we are looking for corporate sponsors as well. Like any nonprofit and any charity, need, we're not charity, but we're nonprofit, we want to, any, anybody we can, we can still give you the tax receipt as a corporate donation. so that's what we're looking for. So that will go to the project and that will help it. We have a different structure. It's not just a nonprofit. We also have. how we structure it is that we have like three in one. So I can't get into it too much because it's it's kind of a priority to us. So, but yes, it's, it's a way that the nonprofit can work with a profit and, and we can work it so that everybody wins. And that's, and that's what we want.

Neil Silvert: Okay, and it's very interesting. So Chris, so the fundraiser goes to someone and I do not mean this to be disrespectful at all. I think that this is amazing. But what kind of donation are you looking for? I'm sure that you're not going to take a $10 donation.

Chris Beckwith: So we do have on our platform, can go online, we go on our website, you can see that there is a way of donating to us and it can go as low, I believe $10. But we're like, so as we do our fundraisers, we're looking at doing like special events for some dinners and we sell like, you per table, you would come in and we'd have entertainment that night. and not wait to bring awareness to us. Number two, if you go on and you want to register for one of these homes, you go on our platform. Okay, so it's still $100. You go on, you register for one of the homes. You have to fill out, there's some criteria to actually be able to buy one of our homes. So you can only buy one home. You can't have multiple homes. So it's just to help the missing middle families. You have to range between $55,000 and $170,000, I think is the gap, is the highest you can be. So as long as you're within that, within your household, you can get one of our homes. So that's helping to raise funds as well as they register for the homes.

Neil Silvert: So what you're saying, just so I understand, is a person makes the donations but it's towards a particular unit in the devout in our particular home.

Chris Beckwith: It's register to buy one of our homes. So this is where we're kind of like.

Neil Silvert: the donors are buying it.

Chris Beckwith: Yeah, they can buy it. Say you want to buy one of the neighbor's homes, you'd hop on our platform and you'd be put on this list and that's how you buy one of the homes. So it just helps like we through the clients to see who can buy one or not.

Andrew Murray: If there's a good database to have for that too, so people can go on, there's lots of questions that's there. Like how much you make, what do you do for work? Are you saving for a home? Do you know how to save for a home? If you don't know how to save for a home, we have an education program that can help you. And then it's a hundred dollars so that when we have homes to be sold, you will be notified., and the area you'll be notified if it's in your area or if it's, or any area will tell you. And then you're basically the first ones that have access to those, to those homes.

Neil Silvert: Now it's connected. Now I'm understanding. So they're putting the money in. It gives them first mover advantage, if you will. It helps you to have the seed money to do things. And it's a great partnership then at that time.

Andrew Murray: Correct. And then they get, they'll get newsletters as, as we, as we get in a project, we'll have pictures, we'll have this, we'll have that on the website. They'll get, because we have your email now. So now you'll get an email that says, Hey, we're this far into this project. Pre-sales are going to start at this day, at this time. And then you'll be on a list. So if you're, you don't have to wait in line, you just come. And then it's first come first serve, but you'll be the first to know that you can buy these homes. instead of going to the general public, it's a,

Neil Silvert: I Now I understand. I'm glad that you explained that. the thing is, and that's why I'm wanting to clarify for everybody who might find this of interest, because it is a different approach. You're not necessarily putting down a down payment at tens or hundreds of thousands of dollars. You're buying a position to be able to do that first. Correct. When the time is right. Is that correct? That is correct. Okay. Okay. And being a foundation, yes, if it's a corporation doing that, then you can give a corporate receipt. An individual can't really get a receipt. So it's not a charitable donation. then based on that answer, is it correct that a corporation, a real estate corporation, could come in and buy 100 houses from you up front? Or position 100. I position. So this is for individual people.

Andrew Murray: One per family.

Neil Silvert: One per family, okay?

Andrew Murray: One per 18 year old. But, but if you have a, so it just, you can't come and buy 10 up. Cause that's what happened with the market. The market happened with these investors, real estate people, brokerage, sorry, Neil, brokerages and they, and they went in for fams and friends and family. And they said, we'll buy 10. And then they bought 10. And then that price went up to the next point. And then the next point. And then when the general public went in there, they couldn't buy anything.

Neil Silvert: So what this is doing is protecting the buyers by buying one only that allows you to get into the market that any other way you perhaps would not be able to get in at this point. Then you also have a program for those, maybe they still put their $100 down, but they go into a preparatory program or talk a little more about that.

Andrew Murray: That'd be the educational program where we'll teach you how to actually save money. Different ways, know, the snail how, you know, the rule of seven. Some people don't know how to save. Like in our, in our school system, we are not taught to save. So we are going to, we're going to have a program that will teach people how to save money for a home. So that's one thing. Yeah. We have to educate the younger generation. If not...

Neil Silvert: It's brilliant. It's brilliant. And being a mortgage agent now for like, my God, 16 years this year, I wish every grade 12 high school student was forced to take the mortgage course. Over years, this country would be so much better off financially. That's what you're trying to do, not the mortgage course, but give that deep education.

Andrew Murray: Correct. So we need people like you, Neil, to come and say, if you need help, we'd love you to be a teacher. Do a little program, put it up. We'll put it up there. It's not just us. We want everybody. It takes a nation to fix this problem. We need 5.5 million homes. If you want to really think about that, not just CBC talking points, 5.5 million. We're talking about two pieces of land that we're looking at. It's about 300 acres and we can put on maybe 4,000 homes. So if you start really thinking about the math, it's not just us. We need 20 more, a hundred more like us to take on this initiative and go out and build these homes.

Neil Silvert: Okay, so what you're doing is you're trying to create and educate like-minded people so that we can literally turn them into a community and then build the homes to become a community Come If you know what I mean, yeah It's a different way. I want to ask you. Can you succeed without government support? Where do they fit in?

Andrew Murray: Correct. Correct. No, we need government support as well. Unless we get a massive amount of donations in and corporate donations. No, we're going to have to go try to get something from the government. Where a Canada homes is out there. We're going to try to go to, see what we can get from Canada homes. There's government grants. We're going to go for all of them. We're a nonprofit. We will try to get every one of them because the more money we get in, you know, the more money we can bring down the price. We're in it not to make that 300, 400,000 like the builders have been making. We're in it to make 50,000, 50,000 high volume at home. Correct. And every home that you sell at that 30 to 50,000 level, I can build three more because it just goes that much farther when you're buying land. just, yeah.

Neil Silvert: With a high volume of home This is really, really interesting. Part of that imagination that we were talking about a few minutes ago when we got started. Have you had a chance to talk to municipalities, CMHC, had any talks or response or?

Chris Beckwith: We have. We have talked to them. Yeah, we have went to the cities now. There are certain cities, maybe because of budgets and so forth, they're willing to do a little bit more. Barry was one that was willing to waive a lot for us. City Hamilton as well. But there's other cities that maybe for any reason they can't wipe as much. Some were only at 25%. But either way, it helps. But then from there we want to see what we can do on the federal level. Like we got to see ANA. And there's a little bit of process there to be honest with you when it comes to the government they don't make it easy. There's a lot you have to go through to try to get it's a lot. It gets a big process. doesn't take a it's certain projects will take months. So to see what we can get, you know.

Neil Silvert: Well, it's really frustrating. Let's be honest, the permitting in this country takes way too long. The opposition party of this country is, that's what they're screaming about the most, is that this country seems to do everything possible to slow down the process. And maybe, maybe they would open themselves up because you are going to need some real policy changes, I think, and permitting changes to carry this off in a timely fashion. Is that fair?

Andrew Murray: Yes, yes, the government needs to redline it. Yeah, they need to redline it. They need to it forward, fast track it wherever you want to call it.

Chris Beckwith: Oh, sorry, I was just gonna talk about the difference between the rental units and building homes. When it comes to the rental units, there are certain styles that if you build them, they're like fast-tracked. So you'll get permits with them within like three months, but that's not the case when it comes to building subdivisions. It's a little different. the country's on board or Ontario's on board when it comes to the rentals. but yeah, not the subdivisions. That's where we're gonna get a little bit of pushback, but we're hoping that with us being a nonprofit, I'm hoping they'll allow us to go a little bit faster than most.

Andrew Murray: So.

Neil Silvert: And if you're a nonprofit, because I know the people of the Gnosis, why are you the two of you and all these wonderful people involved with you? Why are you doing it? How are you going to pay yourselves? How does that fit in?

Andrew Murray: okay. we're, we're a business just like any other business. we, so a nonprofit or a profit, you still have to pay employees. Now we don't get paid as much as, a profitable business because we still, we have, you know, there is a certain only we can only take so much, but we do get paid. that one, I was also saying on the other side, we do have a profitable business. So the profitable business. is really the development side of our of it. So they work in kind of unison. And, and CRA is okay with that. So that's where we really will make most of our money, but we're not, our goal is not to make what the builders were making in the, in the last 25 years. Our goal is to build homes for people so they can have start their lives actually have a place to call home and to go come home from work and see their kids and have a family. People can't have families in this world. can't, they don't even, some people don't even want to get married because they can't afford and then they can't afford to have kids. This is not, we're, unfortunately we're dead as a country if this doesn't, if we don't get these homes built because no one's going to have kids anymore. No one's going to be and it's, and so. Yeah, we will take profit. There's no doubt that we will make some money on this, but it's not going to be on the backs of Canadians.

Neil Silvert: And let me say this, I asked the question because you have to have profit. I'm cheering you on because you can't have a company that fulfills what you guys may be able to do if you can't buy your own food. So I'm looking for you to be profitable. I'm an entrepreneur. You are trying to do something for the community, eventually make a profit out of it. but be able to have operating and capital money so you can get these hoses built. I'm hoping that developers won't push back against you. I'm hoping some of them will come on and actually support you. And boy, what you're thinking of is really different. You are correct though. In this country, we have more land than any other country in the world. We have the smartest people. We have the greatest natural resources. We should be the wealthiest country in the world. Politically, I hope we'll have change and we'll get that. But the market will need you guys even more when that happens. It's going to give people with dreams that chance. And I think that's what you're trying to do with this.

Andrew Murray: Correct.

Neil Silvert: Sure you are. Very good. Anything that can you, I can't think of anything that could stop you from doing this. Can you?

Chris Beckwith: No, absolutely not.

Andrew Murray: I don't, I don't think, think people, I think all people will hear it and think it's a, we, we haven't had any back backlash. The only people we've, I've actually got back clashes is on real estate agents. They all, because they're too low. They're the, it's too low. The market, that's not what the market's giving you. The market's saying it's 600,000. They should be selling it for 600,000. It's like, no, I'm selling it for 450. And these people are going to have $150,000 equity right off the hop. But guess what? These people aren't going to sell. They're not going to sell for five years because the bank's going to charge them to get out of that mortgage and they got to pay you. they're not going to, $150,000 is nothing in this economy. So.

Neil Silvert: I know a mortgage broker, I know a mortgage brokerage that might be interested.

Andrew Murray: Hey, we'll take everybody. will take a nation to do this. people talk and people talk and people talk and the politicians talk and the people talk. We have to get this. We have to get that and nothing gets done. We are three normal guys that just said, we're let's try it. We have to try. There's no, if we don't try it, nothing gets done. So that's what we're doing. We're trying.

Chris Beckwith: Oh, yeah, I remember too, even for us, even the bigger builders, you know, maybe at first they might be a little upset with us because their houses are much cheaper. But you can remember if we can get them into that house within five to 10 years versus waiting 30 to buy like a mad at me home, a Mars home, we got them there in 10. Then all of a they're buying their house 10 years or 20 years sooner. They should be actually patting us on the back. Right. Because right now it's like the market's dead. Right. So right now we're helping to inject that, you know, people to buy again and it'll get it rolling again, it'll get the engine running. Right now it's stalled. So we need to do something.

Neil Silvert: Well, I hope that you get all the support that you need. think it's a great idea. think that every single person should be going to your website, which we will post, which is called neighborsfoundation.ca. I'm glad to meet you, Chris. you're anything like Andrew, you're great people, seriously. I've known Andrew and Christina. have big dreams, but They have a habit of putting them to bed. They get them to work. And I like that with everybody. We're just going to sign off in a minute. But is there any other thing that I can ask you to bring to the public's attention or anything else you would want people to know?

Andrew Murray: Go to our website, register for a house, donate what you can. If you're a business or a corporate owner, yeah, follow us on Facebook. Anything, anything helps, you know, and even just, Hey, what can I do to help? know, we're not, nothing is too small. Nothing is too great. And, and knowledge is power. So we're just, as I said before, we're just three guys.

Chris Beckwith: Instagram

Andrew Murray: trying to try to do it. We don't know everything. We don't know some of the pitfalls. We don't know some of the things. If you're a big builder or if you have you guys thought about this or done this, this, we want to hear from you because this is how it gets done. If Canadians help Canadians, we will, we will be one of the richest countries in the world.

Neil Silvert: For sure and you're creating a group of like-minded people to help the country. That's what you're doing, right? Good for you. Well, I want to congratulate you guys. I hope that you will keep on with this mission Anything to help people buy homes nowadays and be comfortable and feel safe Our country needs that right now, but it's gonna take younger fine minds like yourselves and I mean that sincerely and everybody I am to reach out to Chris, to Andrew, their partners. Go to the website. Again, we'll post it for you. If you have questions, ask your questions, but don't ignore this because if this thing catches fire, and I think it will, then we can reduce dramatically over the next few years the disappointment that people have in not being able to buy a house. It's always said that a rising tide lifts all ships. And if we can get people thinking about the possibility, then the possibility will come alive. We believe that. So Chris Andrew, thanks for coming on to the Your Gray Matters podcast. Everybody, thanks for tuning in and we will see you again soon. Thanks for watching. If you found it interesting and you liked it, give us a thumbs up. If you're ready to subscribe, click right here. And if you'd like to see another episode, Click right here. Tell a friend, send us comments. Thanks a lot.