As a mortgage broker specializing in investment property financing, I have had the privilege of helping Tracy finance some of her investment properties over the years.

I have learned more about Tracy in the process and simply put: She is an inspiration and someone to look up to and learn from.

Tracy had the determination to build wealth for her family and partners – using Real Estate as a vehicle – while managing a busy career and taking care of two beautiful active twins.

When it comes to real estate…

Tracy has figured out the formula for investing in Real Estate to generate cash flow and support a desired life style.  

She is also a thought leader and educator. Ask Tracy about anything relating to investing! She will share from the heart and help you avoid the mistakes and get started.

I highly recommend Tracy."- DALIA BARSOUM, MBA,  Best Selling Author of

Canadian Real Estate Investor Financing: 7 Secrets to Getting All the Money You Want

'Tracy Ma of Financial Nirvana Mama translates the real estate investing journey into simple, actionable steps for anyone looking to build wealth through real estate.  Whether you are at the beginning, middle or end of your business plan, you will learn valuable real estate lessons and strategies on how to (or how not to) invest. All the rich (!) content is most importantly realistic and relatable.  This isn’t about get-rich-quick.  This blog is about finding a path that suits your lifestyle and answers your personal WHY?!  Financial Nirvana Mama oozes inspiration and the knowledge you’ll learn will become that little voice in your head encouraging (urging!) you to act NOW and achieve your goals.' - Daria Hill, Toronto

In knowing Tracy Ma for several years now, I can say with confidence that she is the real deal. If you’re looking for an expert real estate investor who is approachable and committed to your success - she’s your woman! Her cool website Financial Nirvana Mama is filled with inspiration, motivation and actionable content to help you no matter where you are in your journey. She cares about helping you build wealth and a life that fits for your goals. Talk with her - you’ll be happy you did! - Julie Broad, best selling author of More than Cashflow and founder of

'I love your blog because it is so relatable and has a lot of very practical and helpful information. I read every single article on your website as well as listened to one of your podcast you were featured on.

I would like to thank you again for taking the time to put together such a helpful blog, loaded with practical and simple stories/ tips and being such an inspiration. Keep up the incredible work, I wish you and your family many more great  successes and happiness in the future.' 

- From your biggest fan in Toronto, Angie

"I stumbled upon your website while researching and you have inspired me so much. I love reading your posts!" - Dinah, Canada

"I love you blog! It's refreshing to read and gives me hope that I too can do this! "Dinah, Canada

Tracy is such a bundle of knowledge and experience in Real Estate - a Julie Broad in the eastern side of Canada doing Real Estate investing. Very helpful and generous in giving her insights and solutions to problems encountered as I journey toward becoming a full-pledge Real Estate investor myself. Her website alone, is a wealth of information you would not want to miss. And if you can't find the answers you are looking for there, just drop her an email. - Ram, Canada