8: Rates, Distress, and Where the Opportunity Is with Peakhill Capital's Harley Gold

EPISODE DESCRIPTION

In this episode, we're joined by Harley Gold.

Harley is the President & CEO of Peakhill Capital from the Greater Toronto Area of Ontario, who has closed in excess of $25B in loans in over 5,000 deals over the past 25 years in Canada and the U.S.

Harley has extensive financing experience in all real estate asset types including multi-family, senior housing, retail, industrial, hospitality, and land development. Prior to founding Peakhill Capital, Harley was the Vice President of Business Development at CMLS Financial for 11 years, where he originated for institutional accounts, including RBC and PHN.  Harley also worked for 6 years at a US mortgage banking firm, and was successful bringing US lenders into the Canadian market.

Harley holds a Master of Business Administration from Canisius College and a Bachelor of Arts in Economics from the University of Toronto. He is a founding director and the Chairman of the Board of Lighthouse Credit Union, a new credit union formed in 2022 focused on servicing the Jewish community.

Peakhill Capital is an Ontario-based commercial real estate investment manager focused on credit and equity investments across North America. Now with nearly 200 employees, Peakhill has originated over $17.5 billion in mortgages since launching in 2019, while also holding a current pipeline exceeding $3 billion in rental construction loans. Their vision is to shape the future of commercial real estate through a comprehensive platform defined by value creation and innovation.

Harley is here to discuss:

→ Peakhill's business model, how they increased 15% year over year to fund $6-7B in 2026, and their current $3B rental construction pipeline.

→ How Peakhill's Income Opportunity Limited Partnership has delivered 8-10% new returns over the past 6 years, which boasts a portfolio of over $800M, and equity from investors at $425M.

→ Peakhills's current risk appetite, which asset classes they focus on, and the distressed areas that they've avoided which have allowed them to thrive.

→ Where the opportunity is in the market right now, including retail, malls, and office buildings, and capitalizing on various government incentives, grants, and increased funding from program like Build Canada Homes.

→ Why Peakhill lends in Canada but invests in the US, where interest rates are going, and how putting together a flexible team is driving success.

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🌎 Peakhill Capital Website: www.peakhillcapital.com

🔗 Peakhill Capital LinkedIn: @PeakhillCapital

📸 Peakhill Capital Instagram: @peakhillcapital

🔗 Harley Gold's LinkedIn: @HarleyGold

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If you would like to learn more about investing with Peakill, you can email us at info@hawkeyewealth.com, or visit our website: www.hawkeyewealth.com

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CHAPTERS

00:00 Intro

00:52 Today's Guest: Harley Gold & Peakhill Capital

3:32 How Peakhill is Up 10-15% YOY

5:00 Which Asset Classes Are the Focus

5:57 Peakhill's Current Risk Appetite

7:39 Current Distressed Areas

8:42 Where the Opportunity is Right Now

13:30 Why Peakhill Lends in Canada But Invests in the US

14:51 An Important Market Indicator - Rents

16:32 Peakhill Income Opportunity Limited Partnership

19:27 Where Interest Rates Are Going

21:11 Advice for the Industry

25:44 Wrap-Up

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