“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent; real estate is the basis of wealth.”

– Theodore Roosevelt, Former U.S. President


S.O.M. Investments Ltd. is a real estate investment company. The Company is engaged in the purchase, ownership, management of rentals, and sales of real estate properties. The strength of investing in real estate is that properties are an asset that will fluctuate with market conditions, but that will hold and even gain value overtime. Real estate is an asset that can also generate passive income via rent. The aim of the business is to find undervalued properties and then hold the properties until they can be sold for a higher price. However, while the properties are being held, they can be rented so that they generate income for the business.

Our Business Strategy

  • We purchase distressed residential properties 30%-50% below current market value
  • We purchase, renovate and sell these properties to retail buyers and landlords

We pride ourselves in having a strong foundation of real estate knowledge and training. Our focus is on providing SOLUTIONS for our clients and finding VALUE for our investors by locating ugly, vacant homes that are eyesores and put them back into use after renovation.

Our core business lies within our systems, education and knowledge of the real estate industry. We did not just buy a CD off the Internet and become real estate investors overnight. We have spent thousands of dollars to learn how to be successful in this business and do it the right way the first time. Through our affiliations, we are connected with a national network of investors that provide continual support and weekly training on changes throughout our industry. This process has allowed us to circumvent many pitfalls most novice investors would make. Learning the hard way is not a phrase in our vocabulary and we certainly would not ask anyone to invest with us if we weren’t confident enough to invest ourselves!

We Follow A Strict Due Diligence Process

We have a systematic and disciplined approach when purchasing investment properties, putting each potential investment through a strict due diligence process. This rigorous set of criteria includes, but is not limited to, the following:

  • Comparable property analysis and examination by an certified, independent appraiser
  • An economic study of the neighborhood, city planning and development
  • Demographics of area, marketability, and growth potential
  • Statistics on the crime rate
  • Public transportation and schools
  • Overall condition of the property, including heating and air, plumbing, electrical, roof and structural condition

Our goal is to buy distressed homes in stable areas where there is still strong buying demand. Part of our grand vision is to improve the overall quality of living in both urban and suburban neighborhoods. In addition to improving overall quality of life, we are committed to increasing the value of real estate in our community. Our company builds value by rehabilitating properties that are in significant need of repairs. We are able to target distressed properties and breathe new life back into them by renovating and improving the condition of the property. By doing so, we are able to create beautiful homes and encourage home ownership.

Types of Properties We Target

  • Distressed properties in significant need of repairs
  • Properties where sellers need to sell quickly
  • Properties owned free and clear

Checking the numbers
The ability to identify a wise real estate investment is certainly a learned skill. We have been thoroughly trained and possess this skill – along with the intuition to spot these great investment opportunities in today’s market.

Not every opportunity is a “good deal” and we have built our company on a stable foundation knowing our numbers. If the numbers don’t make sense to us it certainly won’t make sense to our investors. Our goal is to be in business for many years and brand a company that will be passed down to our children, which cannot be accomplished by taking uncalculated risks.

A private money loan is a loan that is given to a real estate investor, secured by real estate. Private money investors are given a first or second mortgage that secures their legal interest in the property and secures their investment. When we have isolated a home that is well under market value, we give our private lenders an opportunity to fund the purchase and rehab of the home. Through that process, the lender can yield extremely high interest rates – 4 or 5 times the rates you can get on bank GIC and other traditional investment plans.

Essentially, private money lending is your opportunity to become the bank, reaping the profits just like a bank would. It’s a great way to generate cash flow and produce a predictable income stream – while at the same time, provide excellent security and safety for your principle investment. You can do what the banks have been doing for years … make a profitable return on investments backed by real estate. There is no other investment vehicle like it.

Sources of Private Money

  • Retirement Funds
  • Self-Directed Registered Retirement Funds (RRSP)
  • Life Income Funds (LIF)
  • Tax-Free Savings Accounts (TFSA)
  • Guaranteed Investment Certificates (GIC)
  • Personal Savings, Trust Fund or any other money sitting around …

Note: Many of these investments provide TAX DEFERRED PROFITS

Through private money lending, you have the opportunity to become the bank


Cash held in most types of bank accounts can be accessed quickly and can fund your deals in minutes, instead of hours or days. Fees are generally minimal for wire transfers and cashier’s checks.

Home Equity Line of Credit

A home equity line of credit is a very powerful source of funding that many people have and don’t even think of. Unleveraged equity is dead money and it’s not making any interest. You can easily tap into that money. It’s a way to make sure you’re in first position when we’re ready to pull the trigger and buy a property.

Personal & Business Lines of Credit

Personal loans and “signature lines of credit” can be obtained from most banks or credit unions by anyone with good credit and a stable income.

Retirement Accounts

More and more private money lenders are using their RRSP funds to invest in real estate. A self-directed RRSP is essentially the same as a traditional RRSP, but allows you to purchase a broader range of investments, including real estate.

Liquidated Securities & Investments

Investments are a way to put your savings to work earning more money. However, if your stocks and investments have not performed as you had expected, it might be time to consider other investments. As you know, stocks can be liquidated as and when you wish. Sometimes you need to liquidate your investments because you need the money for something you want to purchase such as real estate.

Piggy bankMost people think that an RRSP can only be used to purchase investments, like stocks and mutual funds. But that’s not true! You can get private mortgage loans using the funds which are already in your RRSPs and other retirement plans.

As it pertains to lending for real estate investments, enter the Self-Directed RRSP. The CRA has set forth guidelines on what you can and cannot invest in with your RRSP. Many people are surprised at the scope of options available. From tax liens, gold, real estate investments and real estate notes, RRSPs are much more powerful than most people ever realized. If you add to that power of a Roth RRSP which allows you to enjoy your earnings tax-free or deferred, and you’ve got a fast road to an easy retirement!

However, in order for you to use retirement accounts for loans, they must first be administered by a third party custodian. After selecting your custodian, you simply send a transfer form to them and they’ll do all the work for you, once you’ve done that you are ready to make private mortgage loans. We would be happy to recommend a local custodian we’ve worked with in the past who can assist you with setting up your account.

Retirement Accounts That Can Be Self‑Directed

  • Traditional RRSPs Tax Free Savings Accounts (TFSA)
  • Life Income Fund (LIF)
  • Registered Retirement Income Fund (RRIF)
  • Locked-In Retirement Account (LIRA)
  • Educational Savings Accounts (RESP)

Note: Profits can be tax free or tax deferred when you invest with one of these vehicles

Getting StartedIf we haven’t already, it’s important to sit down and discuss all these details in person. We will need a clear definition of what your goals are, i.e. long term investment or short term, and the amount you are comfortable initially investing. At that point, we will present you with any current opportunities that fit that criteria or contact you as soon as we have one that fits.

If you have any interest in this opportunity, please contact our office by phone at  (403) 774-7414 or send us an email:

Alanna Fagervik:

Frequently Asked Questions

When we have isolated a home well under market value, we give our private lenders an opportunity to fund the purchase and rehab of the home. Lenders can also earn high interest rates – generally 4 or 5 times the rates you can get on bank GICs and other Traditional Investment Plans.

On a new home purchase requiring renovations. The cost will be allocated to the purchase price, renovations, carrying costs, cost to resell, and also a small buffer for unexpected expenses.

There are many reasons, but the primary reason is, time and negotiation leverage. Many of the homes we are purchasing are in need of a quick sale within 10-14 days. A traditional bank requires 30-45 days to close a loan. Also, our leverage is far greater when we purchase using cash funds. Many traditional home sales fall out of contract because of financing issues, and this allows us to negotiate a much lower purchase price and reduce our risk.

Lending guidelines are also continually changing. New requirements include applications, approvals, junk fees, and strict investor guidelines. They also limit the number of investment properties that can be purchased by one company.

Absolutely. With your cash funding we can offer something very few buyers can. We are buying on their timeline in as little as 10-14 days.  Knowing that we’re going to renovate the home and buying in as-Is condition is a very important factor to most sellers of distressed property. They also won’t have to pay any additional fees.

This is a great question and valid concern. However, our strategy is not to speculate 3 years down the road. Our goal is to purchase quickly and sell even faster. Most of our projects are complete in 1-2 months and will be sold in 4-5 months. The market doesn’t tend to shift that dramatically in a matter of months – it’s typically a longer process for an area to decline. Remember, we’re buying in strategic areas where inventory is already low and demand is high; this greater minimizes our risk.

We currently pay 4-5 times what a typical bank GIC is paying. Our rates will fluctuate very little – all depending on the purchase price and rehab involved. Most of our lenders are paid from 10%. The lower the purchase price, we can sometimes afford to pay a little higher rate to make sure our lenders make it worth their time.

In this unlikely scenario, we would simply transfer ownership of the property to you, if possible. If for any reason we did not (or could not), then you have all the legal rights of a secured lender. The best way to legally protect your interest in case of a default would be to hire an attorney. They normally would seek to get your investment back, any unpaid interest, any collection costs, all your attorney fees and maybe even more. A legal representative could advise you if it makes sense to foreclose or seek ownership of the property to protect or recoup your investment.

It is our policy to pay for all the closing costs so that your entire investment goes to work for you. We will pay for the closing agent, document preparation fees, notary fees, overnight mail fees, bank wire fees and recording costs. We do not charge any fees or commissions to our private lenders.

No. There is no government backed guarantee on these privately held real estate notes. You’re deriving protection from the equity in the real estate. If at any time we were to default on the note, you have legal right to take the home (essentially foreclose on us). Many investors laugh about this one and say, “I hope you’re a day behind on payments. I’d gladly take this one off your hands”. You have to remember we plan for the worst and our homes have thousands of dollars of equity in them. Typically the worse case scenario is that sometimes we just don’t make “as much” as we hoped for.

Typically, we pay one large lump sum at closing on a short-term note. This is much easier to manage for both of us, especially if we’re working out of a retirement account. On a longer note, we will pay monthly, just like a typical mortgage.

The majority of our loans are set up on an 6-12 month note, but it depends on the size of the project. If we are doing a teardown and rebuild, we will have to wait on the county inspectors for approvals. This will cause delays. But, we account for all of those details upfront and will give you estimated time frame for the return on your investment.


Diane & Marcel Charrois

We met Alanna while participating in a real estate investment professional association event. Alanna was one of the speakers who told the story of her real estate journey.


Alanna taught us how investing in real estate could bring better returns than most other forms of retirement savings, and how real estate is a great investment. In the continuing months Alanna brought forward investment opportunities for us to consider, and ultimately pursue.


As an entrepreneur herself, Alanna carries with her, a vast knowledge of the real estate market and is continually keeping current on the new procedures and laws which govern this umbrella. We have the utmost confidence in Alanna as she has proven time and time again, to be extremely honest, knowledgeable, and educated in all facets of our professional relationship.


Our real estate journey with Alanna, and her company, SOM Investments, began as a Private Lending opportunity. This opportunity was delivered to us with accountable execution and full transparency. We were so happy with the investment return, and the education and guidance we received, that we did it again! As we continue our relationship as Private Lenders, we have now also entered into a joint venture with SOM Investments in the form of a passive income, rental property. Alanna has guided us through this journey, and three years in, we are thrilled to have pursued this real estate adventure.


We would recommend Alanna and her team at SOM Investments to any investor looking for an accountable partner who knows how to execute and deliver very favorable returns. Alanna’s depth of industry knowledge solidifies her value for the real estate investor. It’s been a Win Win experience.

I have known Alanna for several years as we have done many business transactions together. She is a very organized lady with her businesses as a realtor along with her SOM Investments company. Alanna has great qualities and strengths as I have seen over the years and how she has evolved her business and thinks outside the box to make things work. She is also very dedicated to her family and is in community involvement.

Kari & Gerry

We have been working with Alanna Fagervik and S.O.M. Investments for the past 2 years in short term and long term private lending opportunities. Alanna is professional, extremely trustworthy, prompt and knowledgeable. She is respectful of our time and makes sure we are up to date with all aspects of our investments. Private lending is a great ability to grow your personal capital at a better rate and Alanna and her company have made it a very comfortable experience. We highly recommend giving Alanna a call to see how she might be able to further your financial investment goals.

Anita Bamford & Janette Macmillan

We met Alanna in early 2015 at a networking event. We were inspired and intrigued to hear about all the success she was having flipping houses. This was the Real Estate avenue that we wanted to explore. After some time together to ask a lot of questions, we decided to partner on a house project together. We learned so much from them – from negotiating the purchase of the property through to the final staging and sale of the property. Being hands on in the project helped solidify the knowledge we gained. It was truly an invaluable experience which gave us the confidence to continue and successfully complete a project on our own. We continue to stay in touch, helping each other as we both continue to grow our businesses.