The Canadian Real Estate Investor: Recent Episodes
Daniel Foch & Nick Hill
The Podcast For Canadian Real Estate Investors.
The podcast features in depth discussion around investing in real estate, ongoing news in the Canadian real estate market, how to structure deals and grow your portfolio.
Show hosts Daniel Foch and Nick Hill bring experience, fresh takes, well-researched information and entertainment to a real estate investing podcast for Canadians.
Josh Findlay of BLD Financial joins us again to share all things commercial mortgages. How he started, the journey, and the main differences between small investments and big ones; plus some CMHC updates.
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This week we sit down with Toronto architect and developer Noam Hazan, the guy calling the "missing middle" the most alive part of Canadian real estate. After designing for global firms like Foster + Partners and Richard Meier, Noam now helps regular people turn single lots into fourplexes, sixplexes, and garden suites. We get into his own project, the numbers behind MLI Select and the HST rebate, the rise of the "citizen developer," and how to actually make these deals pencil.
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Four years after the 2022 peak, the first real signs of a floor are showing up, national sales are up 7% from the March low, inventory is tightening, and single-family completions in Ontario just hit their lowest level since 1990. But economists have been burned by three false starts already, and nobody wants to say the b-word out loud.
Meanwhile, over 13,000 Canadians filed for insolvency in June, up 11.5% year over year and running near 2009 levels. So which is it? Dan and Nick dig into whether this is a real bottom or a supply collapse dressed up as a recovery... and what it means if you're deciding whether to buy today.
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We are joined by Nichola & Matthew from M3 Development Management to discuss all things development mamagement a Calgary-founded firm with offices in Calgary, Canmore, Edmonton, Vancouver and Victoria, joins us to talk about the part of a deal nobody covers: what it actually costs to build. They work on the owner's side, no equity in the project, running feasibility, cost planning and project delivery on everything from Senakw in Vancouver to the BMO Centre expansion in Calgary. We get into Edmonton's constantly shifting infill rules, whether an eight-plex still pencils, how the same building prices out across five markets, and where construction costs sit today versus 2023.
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A complete breakdown of the Altus Group 2026 Canadian Cost Guide: $573 billion in active projects across 6,652 sites, with the real-world context investors and developers need. With presale prices down 13% from peak and a record 7,243 condo units cancelled in 2025, the feasibility math is under serious pressure. The episode also covers the $343 billion public infrastructure pipeline competing for the same labour and materials, a construction workforce that needs 85,000 additional workers by 2032, and tariff volatility that the cost guide explicitly doesn't account for. City-by-city comparisons across Vancouver, Calgary, Toronto, Montreal, Halifax, and more.
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If you bought a Canadian condo near the peak of the market, you may now be underwater, or losing money every month just to keep it. In this episode, Daniel and Nick tackle one of the hardest decisions facing Canadian homeowners and real estate investors: should you hold on, rent the property out, or sell at a loss? They examine real examples from the GTA, pre-construction deals, power-of-sale transactions and struggling flips before laying out a practical framework for making the decision without letting fear, ego or sunk costs take over.
You’ll learn:
• The difference between a forced seller and a scared seller
• Why your monthly “bleed rate” matters more than the paper loss
• How to calculate the true cost of continuing to hold
• Alternatives to selling, including refinancing, renting and adding units
• The legal risks of walking away from a pre-construction purchase
• Why Canadian mortgages generally don’t allow you to simply walk away
• How taxes and capital losses may affect the decision
• Warning signs that negative cash flow is damaging your personal finances
• The one question every underwater investor should ask: “Would I buy this property today?”
Selling at a loss doesn’t automatically mean you failed. Sometimes protecting your credit, liquidity and ability to invest again is the smartest move you can make.
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Nick & Dan are joined by Jacob Cohen, President of Daniels Corp. for a field report from inside a GTA development company. Why an activity slowdown worries developers more than falling prices, which input broke first: land, construction costs, rates, or sales velocity, and what still makes sense to build when almost nothing pencils.
With starts near zero since 2023, the completions that should land in 2027–2029 aren't coming. Jake walks through the math, the industry's sudden rush into purpose-built rental after 30 years of ignoring it, whether the investor-driven condo model is paused or finished, and what he'd tell an investor weighing pre-construction today.
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Brandon Sage of Landlord Property Management joins us to discuss everything you need to know about owning and managing property and tenants.
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Real estate searches in Canada just hit a five-year high, and Nick and Dan answer the nine questions Canadians are Googling most. Fixed vs. variable in 2026, what to do if you can't afford your renewal, where prices are headed, the best cash-flow cities, whether to incorporate your rentals, the new Airbnb rules by province, and how to save six figures on the principal residence exemption. Plus two rapid-fire bonuses: rent vs. buy, and the new 30-year amortization. No filler... just the answers.
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Multiplex starts just passed tower starts in Toronto for the first time. Condos have stalled, and the big builders aren't structured to build on tight low-rise sites, while most GCs can't properly analyze them. That gap is the whole opportunity.
We are joined by the founders of Reside Properties Ryan & Mattison, a Toronto developer with an unusual stack: years as a general contractor, time as MPAC counsel working with planners on highest-and-best-use, and a legal background in development. They build it, they know how the city values the land, and they know where the traps are. Zero vacancy across the portfolio.
We get into the product thesis; custom-home-quality condo alternatives with dedicated entrances, separate utilities, and real millwork, and why that holds up when the market turns. Then we spend the bulk of the episode on the five ways these deals blow up:
- The contractor who wins on price and makes it back in extras
- Timeline slippage: financing, utility connections, trades, inspections
- Fantasy rents that kill your refinance
- Building the wrong units for the micro-market
- One zoning misstep that turns $30K in DCs into $200K
Plus how Reside partners with landowners, and why the hard part has permanently shifted from approvals to execution.
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The Bank of Canada held its policy rate at 2.25 per cent again. Does that make fixed or variable the better mortgage choice in 2026, and could the next move still be a rate hike?
Daniel and Nick break down the fixed-versus-variable decision, the July 2026 Monetary Policy Report, inflation, growth, housing weakness, Government of Canada bond yields, and why CMHC MLI Select financing responds to more than the overnight rate.
We also explain what investors should stress-test before buying, how lender spreads affect multi-unit debt, and why a rate forecast cannot rescue weak NOI or a bad purchase price.
Sources include the Bank of Canada July rate decision, July 2026 MPR, official Government of Canada benchmark-yield data, and CMHC MLI Select materials.
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Nick and Daniel debate cash flow vs. appreciation in Canada's flat 2026 market, prices 21% off peak, near-zero population growth, a $400B renewal wall, and falling rents. They start in opposite corners but land on the same truth: there is no "Canadian market" anymore. Ontario and BC are falling while seven provinces hit record highs, so the winning strategy depends entirely on which "Canada" you're buying in.
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The average first-time homebuyer in Ontario is now 40 years old, according to Teranet's Q1 2026 Market Insights report. At the same time, first-time buyers became the most active buyer segment in Ontario, while multi-property owners fell from first place to third.
In this episode, we use Ontario as the case study, then widen the lens nationally. Bank of Canada data shows first-time buyers have generally accounted for about half of mortgaged home purchases in Canada since 2014. CMHC's 2026 Mortgage Consumer Survey shows first-time buyers are renting longer before buying, relying on co-signers, and still getting help from family gifts. CREA's latest national resale data shows a market thawing, but not booming.
This is not just an Ontario affordability story. It is a national buyer-quality story.
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Most small landlord disasters don't come from bad properties — they come from good properties run like a hobby. This is the unsexy episode that saves five-doors-or-fewer landlords more money than any reno or refi.
We break down the systems that actually matter: bookkeeping that tracks real cash flow, the insurance gaps that get claims quietly denied, and tenant screening that keeps you legal and paid. Then we go province by province on deposits, tribunals, dispute timelines, and 2026 rent-control numbers across Ontario, BC, Alberta, Quebec, and Atlantic Canada, closing with when to stop self-managing and the five biggest mistakes we see on repeat.
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Canada finally agrees housing is broken, but nobody wants to admit what fixing it costs. RBC says buyers stopped waiting for perfect. Teranet shows 36% of 2022 Ontario buyers reselling at a loss. OSFI loosened bank buffers, population fell a third straight quarter, and B.C. is fighting over a condo bailout. One question ties it together: who takes the loss?
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In this episode, we get real about why we take our events across the country it's not about selling courses from the back of the room, it's about the room itself. We break down how the right connections turn into partners, lenders, and closed deals, then hand you 8 networking tips worth stealing so you can actually work a room.
From there we go off the beaten path into weird and wonderful real estate car washes, marinas, self-storage, mobile home parks, and billboards the alternative assets most investors never consider. And since we recorded this one inside a working theater, we bring on the venue's owner to talk about running a building most investors would never touch.
Check out the Terminal Theatre
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Thousands of completed condos sit empty in a housing crisis, and now governments in Ontario and B.C. are using public money to fix it. Nick and Dan break down the Ontario "template", a government-backed buyer for unsold units, GST/HST relief up to $130K per home, and development-charge cuts, and ask whether it's smart housing policy or a bailout for developers who bet wrong.
They tackle the hard questions: Why does all this inventory exist? When does policy cross into rescuing private balance sheets? And why should a taxpayer in Halifax fund the cleanup of markets that leaned hardest into speculation?
The verdict is in the terms, not the headline: a real discount with long-term affordability is defensible; near-peak prices with a short affordability window is a bailout. Because in housing, somebody always pays, the only question is who.
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Ottawa and B.C. just unveiled a plan touching 2,200+ vacant condos, and the headline says taxpayers are now the buyer of last resort. Nick and Dan break down what was actually announced, billions in infrastructure, development-charge cuts, and a condo-conversion plan whose financing details won't drop until fall, and ask the question that matters: is public money buying real value, or rescuing a condo sector that overbuilt for investors? Smart housing policy or a bailout in disguise? It comes down to who takes the loss.
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CREA says home sales jumped 5.5% in May, but that "comeback" deserves a closer look. The seasonally adjusted bounce was real, yet actual sales were still 5.1% below last May, itself one of the weakest years in two decades. We break down why a strong monthly percentage can hide a market sitting near a 20-year low.
The real story underneath: Canada has split into two housing markets. Ontario and B.C. remain below their January 2022 peaks (down 16.1% and 9.1%), while New Brunswick, Newfoundland, Saskatchewan and much of the country sit near record highs. One national press release, two completely different realities.
We dig into why supply is tightening faster than prices are recovering, the gap between more buyers and more qualified buyers, and what would confirm a durable turn, plus a practical playbook for buyers, sellers, and agents.
The question we leave you with: Are Ontario and B.C. showing the rest of Canada where prices are headed, or is the rest of Canada showing them what recovery looks like?
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A 2026 guide to which home renovations actually return money for Canadian investors and homeowners. Walks through the big four (kitchens, bathrooms, basement suites, garden/laneway suites) with three-tier pricing across five cities, then covers the quiet high-ROI wins (paint, doors, flooring), the regret list (pools, smart homes, bedroom conversions), and the investor math, BRRRR, rental uplift, financing programs, and CRA capital-vs-current rules.
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Correction: KV Capital's ~$961M AUM as of June 2026 represents capital deployed across lending and investment strategies on behalf of investors, not real estate asset holdings.
Nick Hill and Daniel Foch are joined by Jesse Warwa, Senior Director of Origination at KV Capital, an Edmonton-headquartered, vertically integrated real estate firm. With nearly two decades in commercial real estate finance, Jesse breaks down what's driving Alberta's investment market, and why "Alberta is calling" is more than a slogan.
The conversation covers Edmonton's affordability edge , why steady supply has created a stable, cash-flow-oriented market, and the eastern capital now moving into the prairies. Jesse also demystifies CMHC financing, real timelines, the hoops, and why "5% down" headlines mislead, while stressing the fundamentals that separate winners from cautionary tales: nail your investment thesis, build the right power team, and underwrite with discipline using real numbers.
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A new Bank of Canada staff paper tracked 9 million mortgage holders and found that mortgage delinquency has a warning signal, and it starts about two years before the missed payment, on credit cards and lines of credit, not the mortgage. We break down the two-year timeline, why households protect the mortgage until everything else breaks, and what it means for buyers, investors, lenders, and anyone underwriting Canadian real estate. The takeaway: by the time mortgage arrears spike, the stress has been building for months, so watch the rest of the balance sheet.
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Statistics Canada just confirmed two consecutive quarters of negative annualized GDP. But half the country's economists say it doesn't count, the Prime Minister calls it "settling in," and the Bank of Canada is signaling the next move might be a hike, not a cut. We break down what the print actually said, why gold imports and frozen housing turnover are doing most of the damage, and what every Canadian real estate investor needs to do before the June 10th BoC decision.
Inside: the three lenses on whether this is a "real" recession, why fixed mortgage rates have a floor (not a ceiling), and the five things you should NOT do in this market.
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Every spring, Canadians convince themselves a lakefront cottage will "pay for itself" on Airbnb. Most won't. In this episode, Nick and Dan run the actual 2026 math — Royal LePage's $604K national median, Muskoka's slipping $950K, Atlantic Canada's 11.8% surge — and break down the $44K-a-year true carrying cost nobody mentions at the showing.
They explain why the short-term rental thesis is dead in most of BC and Ontario (with a new 2026 wrinkle: Kelowna's exemption), how Muskoka's by-law 2025-049 now forces three dark weeks in peak summer.
Plus the opportunity-cost comparison that makes most cottage buyers wince, and the five scenarios where buying one still makes sense. The takeaway: a cottage can be a great purchase. It's almost never a great investment. Know which one you're making.
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Ontario just hit a two-year high for publicly visible power-of-sale listings, and CMHC's Spring 2026 report confirms what the headlines miss: national mortgage delinquencies are still calm at 0.24%, but Toronto is up 45% year over year, Ontario is up 35%, and mortgage investment entities are running at 1.96%. This isn't a U.S.-style foreclosure crisis, it's stress becoming visible unevenly, by lender type, property type, city, and capital structure.
Dan and Nick break down the renewal cliff that turned into a slow grind, why banks quietly hiked loan-loss allowances 25–51%, how policy shifted first-time buyers into insured, longer-amortization debt, and why a distressed seller doesn't always mean a distressed price. If you want to track the data yourself, realist.ca has a Canada-wide power-of-sale tool, and Valery.ca has the deeper GTA view.
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Nick sits down with Josh Findlay, co-founder of BLD Financial, for a tactical deep-dive on financing Canadian real estate deals in today's market. They break down CMHC MLI Select (how the points work, why 95% isn't always 95%), compare CMHC construction financing vs. private-then-takeout strategies, and explore where bridge debt fits in. Josh explains why Edmonton remains one of the strongest MLI Select markets, the realities of underwriting in an elevated bond environment, and why young investors are racing to acquire assets. Practical advice for anyone scaling from small multifamily into mid-market development.
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The most common question in Canadian real estate investing has one real answer: capital is everywhere... you just need to know where to look. Nick and Dan walk through 14 distinct capital sources, from conventional A-lenders, B-lenders, and credit unions to HELOCs, BRRRR, private lenders and MICs, mezzanine debt, joint ventures, VTBs, CMHC MLI Select, Build Canada Homes, and family/network capital. Every source gets honest pros and cons. A reference episode, bookmark it and come back to the segments that apply to your next deal.
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CMHC's 2026 Mortgage Consumer Survey is out, and Dan and I dig into what the numbers actually say about Canadian homeownership right now.
The headlines: 35% of renewers felt financial pressure with payments up $375/month, but default concern dropped from 53% to 39%. 28% of first-time buyers needed a co-signer (54% leaned on parents). 23% got a down payment gift, median $30K. First-time buyers rented 7.6 years before buying. And 16% of researchers are now using AI in their mortgage journey.
The through line: stress isn't collapse, but adaptation isn't health. The Bank of Mom and Dad is now mortgage infrastructure, the path to homeownership is an endurance sport, and the trust layer in mortgage advice is fragmenting fast.
Canadian housing is stressed, adapting, and quietly being reshaped by family balance sheets and AI all at once.
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Nick and Dan break down the one line in the Spring Economic Update that actually matters: Ottawa wants private insurers to cover 5–8 unit buildings, with more flexibility for triplexes and fourplexes. Plus $7B accelerated for the Apartment Construction Loan Program.
The backdrop has flipped — population growth went from 3.2% to -0.2%, rental starts hit 5x the historical average, and asking rents are down ~9% since late 2024.
The core idea: Housing supply doesn't get built when politicians tweet. It gets built when a lender says yes. Legal density is permission, not a home. Policy can reduce friction but cannot repeal math.
The next phase isn't rate shock — it's financing, absorption, and project viability.
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A deep dive into 10 Canadian secondary markets worth serious investor attention in 2026. With Toronto condo sales at a 35-year low and Vancouver projects struggling to hit presale thresholds, capital is flowing into cities where the fundamentals actually pencil.
The episode covers Moncton (2.9% population growth, $386K avg price), Halifax (#1 nationally for investor interest, lowest office vacancy in Canada), Quebec City (13% YoY price growth), Ottawa (Ontario's highest industrial rents at $17.33/sq ft, 130K+ federal employees), Hamilton ($2.3B in building permits, LRT in final phases), Kitchener-Waterloo (200K+ tech workers, 46% job growth), Winnipeg (6% multifamily cap rates), Regina (2.9 months of supply, $343K benchmark), Saskatoon (100%+ construction growth, HQ to Nutrien and Cameco), Edmonton (most affordable of Canada's six largest cities), Victoria ($3.15B tech sector), and Kelowna (contrarian buyer's market play).
Each market analyzed for population, employers, housing prices, rental data, and the investor thesis.
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Nick and Dan break down Canada's four major modern recessions and what each did to real estate. Key insight: economic recovery and housing recovery are different timelines, Toronto took 13 years to recover from the 1989 peak, while Vancouver bounced back from 2008 in just 20 months. Bubble-driven corrections take far longer than externally-driven ones.
Looking ahead, oil shocks historically precede recessions, and USMCA trade tensions are the biggest 2026 risk. The playbook: audit your debt, build a cash reserve, know your local market, and make your buying list now, because the best opportunities in past recessions disappeared within months.
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Nick and Dan unpack Real Brokerage's acquisition of RE/MAX and argue the market reaction tells the real story, RMAX trading ~30% below the headline $13.80 deal value and REAX selling off signals investors aren't convinced the combination creates shareholder value. They frame it as two stressed models trying to solve each other's problems: RE/MAX needs modernization, Real needs distribution, but both are operating in a transaction recession (US existing-home sales at 30-year lows, CREA forecasting just 1% volume growth in 2026). The bigger thesis: we hit "peak Realtor" in 2022, and the brokerage subscription model, where agents are the customer, not just the labour, is starting to unwind in a Pareto-distributed industry full of net losers. Closes on the innovation paradox: brokerages need AI to retain agents, but not so much AI that consumers start questioning why they need the intermediary at all.
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Nick and Dan break down how AI is rewiring Canadian real estate layer by layer, search, valuation, mortgages, construction, and operations. They cover where it's genuinely transforming the industry (40% faster underwriting, 30% faster builds, QuadReal and Cadillac Fairview already at scale) and where it's hitting real limits (Zillow's iBuying collapse, hyperlocal market nuance, the negotiation itself). Skilled trades stay protected, Canada's 700,000-worker shortage by 2028 is the bigger story.
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Sits down with Keaton Bessey, broker-owner of Greater Vancouver Tenant and Property Management, to break down what it actually takes to own and manage rental properties and especially multiplexes in one of Canada's most tenant-friendly markets.
Keaton walks through property management fee structures and the hidden charges to watch for, his tenant screening process (income at 3x rent, plus the behavioral signals that matter more than the math), and how to keep "harmony" between tenants in small multiplex buildings where one bad neighbor can cost you three.
He shares practical playbooks for handling missed rent, insurance claims, and vendor management (including a great tip on how to cut a plumber bill in half), then closes with his own buy-box: a two-bed, one-bath near transit, run like a business, bought conservatively, and operated for the long haul.
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Prices aren't crashing, but almost everything just got cheaper. About 22% of new construction units have visible price cuts, but factor in the expanded HST rebate and roughly 90% of inventory is effectively discounted right now. Dan and Nick break down the data, the game theory keeping builders from cutting publicly, and why resale sellers are about to feel it first.
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40% of Canadians who'd rank in the top 1% of earners are already living in the U.S. and they're taking the productivity, the tax base, and the move-up housing demand with them. Dan and Nick unpack the brain drain, the February jobs collapse, the AI wildcard, and RBC's $1.8 trillion counter-narrative, and what it all means for Canadian real estate
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Everyone's been waiting for the silver tsunami to crash the Canadian housing market — a flood of boomer homes hitting the market, prices correcting, and millennials finally getting their shot. It hasn't happened, and it's not going to happen the way anyone expects.
In this episode, Nick and Dan break down the real story behind Canada's aging population: 9.2 million boomers who own 41% of Canadian homes, why they're not selling, and why the "silver tsunami" isn't a housing supply event at all, it's a slow-motion structural reshaping of Canada's economy, labour force, and wealth distribution.
- Why meaningful downsizing doesn't start at 65, it starts at 75, and what that means for timing
- The $1 trillion generational wealth transfer, and why it's widening inequality rather than closing it
- Senior housing: Canada's best-performing REIT category of 2025 (+62%) and the 450,000-unit supply gap by 2040
- The trades labour cliff, 700,000 skilled workers retiring by 2029 and what it does to your construction and reno budgets
- The small business succession crisis: $2 trillion in assets, 91% with no succession plan, and the ripple effect on commercial and residential real estate
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The CREA March 2026 release looked like a flat month on the surface — sales down 0.1%, listings down 0.2%, prices drifting lower. But underneath the headline is a real story: a mid-March bond yield spike drove fixed mortgage rates up 30 basis points, threatening to freeze out first-time buyers during the most important sales months of the year. CREA and TD both revised their 2026 forecasts downward, and the regional divergence is now the widest in recent memory, Alberta sitting at 3.2 months of inventory with prices rising, while BC is at 7.8 months with prices falling nearly 6% year-over-year. Nick and Dan break down what the rate jump means for buyers, sellers, and investors, why "balanced market" is a meaningless national average, and where the real opportunities and risks are heading into spring.
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What the "Great Wealth Transfer" actually looks like in Canada, and why it's really a Great Space Transfer. With $8.4 trillion in residential real estate (nearly 4x GDP) and boomers owning 41% of all Canadian homes (most mortgage-free), the inheritance story here isn't about stock portfolios, it's about houses, postal codes, and market access. They dig into the regional lottery (inheriting in Vancouver vs. Winnipeg), the Bank of Mom and Dad now enabling 1 in 3 first-time buyers, the cottage tax trap, the rise of multiplex zoning as a generational wealth multiplier, and the estate-planning conversations most Canadian families still aren't having. Practical takeaways for investors, heirs, and anyone navigating the Canadian housing market over the next two decades.
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A full breakdown of CBRE's 2026 Canada Real Estate Market Outlook, all 42 pages, every sector, every major market. With GDP slowing, the Bank of Canada holding at 2.25%, and CUSMA under review in July, the episode unpacks what uncertainty means for investors and where the opportunities are. Office is the surprise story net absorption at double the 20-year average, no new supply expected until 2030, and investment volumes rebounding after being cut in half. Multifamily is entering a transition year with rising vacancy, but seniors housing offers a compelling contrarian play. Industrial is finding its floor, retail remains quietly resilient, and $56 billion in capital is looking for a home. City-level spotlights on Toronto, Vancouver, and Calgary, plus sleeper picks in Halifax, Ottawa, and Saskatoon
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Canada's housing crisis isn't over, it just changed shape. Nick and Dan break down two major CMHC reports and find a market that isn't crashing, but isn't moving either. Construction is stalling, developers are pulling back, and the projects that should be getting built in 2026 simply aren't penciling. The result: a supply gap that keeps compounding in the background while everyone debates prices. They cover what the data actually says, why activity collapse is more dangerous than price collapse, and what buyers, sellers, and investors should be doing in a market defined by paralysis, not momentum. Plus, a conversation with CMHC's Mathieu Laberge on what the data really shows and what they're worried about next.
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- February 2026 home sales were 8.1% below last year — the weakest comparable data since the 2009 financial crisis — despite improving affordability, as tariff fears, job losses, and rising delinquencies keep buyers on the sidelines
- Canada lost 83,900 jobs in February and mortgage arrears are climbing, with Toronto and Vancouver facing the highest projected delinquency risk as softer prices, weaker resale liquidity, and a shakier labour market all hit at once
- The national average is masking a country moving in opposite directions: Toronto's benchmark price is down 7.9% year over year while Quebec City is up 12.3% and Alberta stays resilient — there is no single Canadian housing market, only a national average pretending to be one
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The federal GST rebate for first-time buyers is now live — and most people are missing the real story. Yes, qualifying buyers can save up to $50,000 federally (and up to $130,000 combined with Ontario's provincial rebate) on eligible new homes. But Ottawa's own numbers imply the average benefit is closer to $22,400 per home. So what's actually going on?
Nick and Dan break down the mechanics of the new rebate, why the government's own fiscal tables reveal this is less about affordability and more about keeping the construction pipeline from stalling, and why this policy is likely deflationary, not inflationary, for new home pricing. They also cover the existing purpose-built rental rebate, the retrofit gap nobody's talking about, and what buyers, investors, and sellers should actually do with this information.
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Nick is joined by Josh & Ehren from BLD to go over the myths and truths of commercial financing.
- CMHC demystified — the real qualification requirements, net worth, liquidity and experience you actually need to build multifamily in Canada (and why Instagram is lying to you)
- CMHC on the way in vs. out — the two main construction financing paths explained, when to use each, and what the risks are in today's volatile market
- How to get your first project done — practical advice on building your power team, finding a developer partner, and understanding tranches, soft costs and the true cost of building missing middle housing
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We are joined by Theorem Development founders & owners Faizan & Suraj who break down their business for us.
- A real multiplex deal, broken down: Suraj walks through a recent East Vancouver fourplex project from start to finish — $2M land acquisition, $2M construction, $350K in soft costs, and $6M in total sales revenue, delivering roughly 40% annualized return on invested capital to their citizen developer client.
- The biggest roadblocks holding back supply: From BC Hydro transformer upgrades that can cost $120K+ and delay projects by over a year, to 6–10 month permitting timelines that add $60–100K in holding costs, Suraj and Faizan break down exactly where time and money get burned — and who ultimately pays for it (hint: the buyer).
- Why Vancouver's multiplex math favors build-to-sell over buy-and-hold: Unlike Toronto where CMHC MLI Select financing pushes developers toward rental, Vancouver's strata title system and strong end-user demand at the $1.5–1.9M price point make merchant building the more compelling strategy, with 20%+ returns on cost.
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In this interview with Aboriginal law expert Tom Isaac we talk all about BC court rulings on Aboriginal title (e.g., Cowichan, Musqueam) that could undermine indefeasible land title, threaten private property and liquidity, and have broad economic and reconciliation consequences across Canada.
- Court language and agreements may mean Aboriginal title displaces Crown/fee-simple protections, creating clouds on property titles and making homes illiquid.
- Revenue-sharing and uncertainty threaten government services, investment, and the broader economy—hurting reconciliation and public welfare.
- Outcomes depend on appeals; the issue could extend beyond BC nationally, and citizen engagement (voting, public pressure) is critical to drive thoughtful policy.
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Rates, Inflation, Jobs, Missing Middle? What the heck is going to happen this year and beyond?! Tune into hear Nick & Dan's Real Estate predictions for this year.
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We are joined by Adam & Matt from the Vancouver Real Estate Podcast to have a catch up discussion and settle the argument as to which market has been worse. Toronto or Vancouver. Tune in to find out.
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Canadian borrowers and investors are shifting from variable and long fixed terms toward 3-year fixed mortgages in 2026, seeking short-term certainty without locking into long rates, and how that decision ties into portfolio planning, refinancing risk, and programs like CMHC MLI Select.
- Fixed (3- or 5-year) = predictable payments, easier modeling for equity/refinance and portfolio scaling.
- Variable = a macro bet (rates must fall for it to be advantageous); can cause sudden payment spikes.
- 3-year fixed = compromise: short-term protection with flexibility if rates decline; financing programs (e.g., CMHC MLI Select) can affect timing and cost.
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We cover a whole bunch of breaking news in this episode.
- Construction productivity is collapsing (−37% since 2001) amid a massive retiring workforce and small‑firm dominance, constraining new supply and raising costs.
- Affordability gains are concentrated in condos — not broad-based — while taxes, development charges and stalled starts (RESCON’s HST‑holiday pitch) risk deepening the supply shortfall.
- Financial and market stress is rising: power‑of‑sale listings are spiking in Ontario, rental affordability is worsening regionally (Nova Scotia worst), and growing private‑credit exposure could tighten financing for builders and buyers.
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The Bank of Canada and Better Dwelling argue Toronto’s condo boom was driven by investor speculation and presale funding, creating Ponzi‑like dynamics where ongoing new-buyer inflows were needed to sustain prices and projects; when demand and returns fell, many projects stalled, inventory surged, and systemic risk materialized.
3 major bullet points:
- Presale-dependent financing + high investor leverage (small deposits, assignment flipping) made the development model reliant on continuous new buyers rather than end-user demand.
- Rising interest rates, easing population growth, and oversupply collapsed expected short-term returns, leaving many investors with negative‑cash‑flow units and unsold inventory.
- Consequences: record unsold/returned units, halted starts and cancellations, developer stress : a market correction that resembles Ponzi finance dynamics but lacks outright fraud.
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Canada's weak housing market start to 2026, debating whether January's 16.2% year-over-year sales decline signals a deeper slowdown or just winter seasonality.
- National weakness across metrics: Sales down 16.2% YoY, new listings up 7.3%, sales-to-new listings ratio fell to 45%, and HPI down 4.9% YoY
- Regional divergence: Ontario markets (Hamilton, Oakville) down double digits, while secondary markets like Quebec City and Sudbury show double-digit gainsInvestor positioning:
- Buyers have more negotiating leverage; sellers need to price correctly as multiple offers are limited to select markets
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In this episode we sit down with a Vancity leader, Ryan Mckinley to unpack multiplex financing and policy across Canada. We explore why most multiplexes in Vancouver are strata-title, promoting homeownership, while Toronto’s market is trending toward rentals. Hear practical financing options for homeowners, investors, and small developers, plus a local case study and market outlook. We discuss the big opportunity for Toronto as condo ownership supply tightens, and how multiplexes can deliver lower construction and management costs, greater exit flexibility, and a pathway to more affordable ownership.
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Nick & Dan are joined by Tania Bourassa-Ochoa, Deputy Chief Economist at CMHC, who authored the recent report on the mortgage renewal wave.
Over 1.5 million Canadians have already renewed at higher rates, with another million coming. While Toronto arrears have quadrupled, nationally only 0.25% of mortgages are in arrears.
- 1.5 million households renewed, 1 million more coming — the largest renewal wave in modern Canadian history
- Toronto and Vancouver are most stressed, particularly pandemic buyers, but most Canadian homeowners are still paying
- Despite rising arrears, only 0.25% of mortgages nationally are in arrears — this isn't a nationwide housing collapse
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In this news episode, Nick & Dan cover major challenges in Ontario's housing market, including regulatory enforcement against brokerages, inconsistent multiplex approvals despite new zoning policies, a new RBC-REALTOR partnership, and a severe collapse in residential construction threatening the provincial economy.
- RECO Trust Account Scandal: Save Max brokerages had $2.7 million unlawfully taken from trust accounts for operating expenses, resulting in suspensions and account freezes — the second major trust breach after iPro's $10.5 million scandal.
- Multiplex Policy Inconsistency: Toronto's "gentle intensification" policy shows conflicting results, one six-storey project on Islington got approved while a similar Pharmacy Avenue project was rejected over parking and "neighbourhood character," despite both streets being designated for small apartment buildings.
- Construction Crisis: Ontario's residential construction is collapsing with housing starts down 58% in Toronto, single-family sales down 71% in the GTHA, and 2025 marking the worst year for GTA new home sales in 45 years, threatening to shrink the provincial economy by 1.5-2.5% in 2026.
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Canada's rental market in Q1 2026, revealing a major shift from growth to stagnation. The main takeaway is that rent growth has essentially stopped nationwide, with some cities experiencing declines. Join us as we go through the Yardi Rental Report
- Rent growth has flatlined: National rent growth is only 3.2% year-over-year (in-place rents) and new lease rents are up just 0.7%, with cities like Calgary and Toronto seeing negative growth on new leases.
- Vacancies at 5-year highs: National vacancy hit 4.5%, with Calgary at 6.1% and turnover exceeding 40% in some Western markets, giving renters unprecedented leverage.
- Operating costs squeezing margins: Average expenses are $8,000 per unit annually (highest in Ontario at $8,822), making it harder for landlords to maintain profitability as rent growth stalls.
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Nick & Dan do a comprehensive deep dive on Alberta's real estate market, part of "The Canadian Re Tour" podcast mini-series. We covers Alberta's economic fundamentals, major cities (Calgary and Edmonton), and mid-sized markets, with detailed data on home prices, rents, vacancy rates, and cap rates as of December 2025.
- Alberta has Canada's highest GDP per capita at ~$96,544, strong wages, and no rent control, making it attractive for cashflow-focused real estate investors.
- Calgary ($615,986 avg price) is more expensive and corporate-focused with 102 head offices, while Edmonton ($454,981 avg price) remains Canada's most affordable major citywith stable government employment.
- Vacancy rates have risen significantly in 2025—Calgary approaching 6%and Edmonton at 3.8%—due to a record 20,000 rental unit starts, helping stabilize the market after an extremely tight 2023.
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A January 2026 Senate report called housing "Out of Reach." We look at the report and cover the rental market squeeze, development charges, and regulatory delays that are driving up housing costs across Canada
- Toronto housing fees are staggering: New homes in Toronto carry approximately $200,000 in municipal fees, compared to under $10,000 in cities like Moncton or Charlottetown.
- Approval timelines are crippling supply: It takes an average of 11 years to get a new housing development approved and built from start to finish in some Canadian cities.
- Rental market reforms are coming: The Senate report recommends incentivizing rental construction through tax breaks, preserving affordable units, and potentially restricting institutional investors from buying up residential rentals
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BMO economist Robert Kavcic forecasts a "long and slow grind" toward housing affordability in Canada. Prices have fallen 17% from their 2022 peak, but remain unaffordable for many. Investors have exited the market, calling real estate "dead money" compared to equities, and Kavcic predicts prices will continue to decline, especially in the condo and rental segments.
- The current market favors buyers, with sellers more likely to lower prices than buyers are to pay moreGTA prices still falling
- Detached houses dropped 8% year-over-year and condos fell 3.8% in the Greater Toronto AreaRental market concerns
- Pre-construction condo buyers facing higher mortgage rates are forced to rent instead of sell, which reinforces bearish rental market outlook
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Trump's proposed ban on corporate landlords buying single-family homes with Canada's MLI Select program, arguing that financial incentives work better than bans for directing institutional capital toward building new housing supply.
- Policy Contrast: Trump's ban excludes new construction, potentially pushing institutional investors toward building rather than buying existing homes—inadvertently achieving what Canada's MLI Select program does deliberately through financing incentives
- MLI Select Mechanics: Canada's program offers 50-year amortizations and 95% financing for multi-family projects that score points for affordability, energy efficiency, and accessibility—making new construction more attractive than competing for existing homes
- Incentives vs. Bans: The fundamental lesson is that redirecting institutional capital through attractive financing works better than prohibition—creating alignment between investor profit motives and public policy goals without demonizing capital
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In this news episode we discuss how inflation-adjusted home prices have fallen back to 2017 levels, despite appearing stable nominally. Housing starts hit record numbers in 2025 but momentum is fading, with the Bank of Canada holding rates at 2.25%ahead of its January 28th decision. Meanwhile, inflation rose to 2.4% in December, with renters experiencing 4.9% annual rent growth while homeowners saw just 1.3% inflation.
- Real estate has lost real value: While home prices dropped only 4% year-over-year, inflation-adjusted prices are back to 2017 levels, with weak sales driven more by buyer hesitation than affordability.
- Housing construction momentum is fading: Despite 2025 being the fifth-best year for housing starts, the six-month average has been declining since September, with economic uncertainty pushing builders toward smaller projects.
- Renters face much higher inflation than homeowners: Renters experienced 4.9% annual rent growth in December—the fourth-largest jump since 1988—while homeowners saw only 1.3% inflation.
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We are joined by Fred Cassano, Partner and National Real Estate Leader at PwC Canada, discussing the state of Canadian real estate markets around the ULI Emerging Trends report.
- Market in Transition: The real estate market is experiencing mixed sentiments with a sense that it may be hitting bottom.
- Office Market Recovery: Office leasing is seeing renewed activity, particularly for trophy assets, driven by return-to-work mandates.
- Housing Supply Crisis: Canada needs to build 500,000 homes annually to meet demand, with government initiatives like BCH addressing supply issues.
- Capital Market Shifts: Private capital is filling gaps left by large institutions, with foreign investment in Canadian real estate increasing.
- Emerging Opportunities: Senior housing presents strong investment potential due to years of undersupply, while retail remains resilient by adapting to consumer needs.
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Nick & Dan are joined by Journalist & Podcaster Amber Kanwar for a discussion on her career journey in finance, the "In The Money" podcast, real estate investing (strengths, misconceptions, evolution in Canada, current market challenges), the Canadian economy's trajectory, and financial advice for young Canadians entering real estate.
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Nick & Dan explain Canada's Principal Residence Exemption (PRE) and Section 45(2) elections, focusing on how to protect tax-free capital gains when buying a second property. The discussion covers how capital gains work in Canada (50% inclusion rate), the PRE's tax-free benefit, and the critical Section 45(2) election that allows homeowners to continue claiming their former home as a principal residence for up to 4 years after converting it to a rental.
- One exemption at a time: You can only designate one property per year as your principal residence, but buying a second property doesn't immediately eliminate the exemption on your first home
- Section 45(2) election protects you: When converting your home to a rental, this election prevents a deemed disposition and lets you continue claiming it as your principal residence for up to 4 more years—but you must not claim depreciation (CCA) on the property
- Change-of-use creates tax exposure: Without the Section 45(2) election, moving out and renting your home triggers a deemed disposition at fair market value, potentially creating a taxable capital gain even though you haven't actually sold
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Canada's banking system is dominated by just six major institutions (the Big Five plus National Bank), which control over 80% of banking assets. While this concentration was designed for stability, it creates limited competition and flexibility compared to the U.S., which has thousands of banks with diverse underwriting philosophies.
- Illusion of choice: Canadians feel like they have banking options, but are essentially rotating through six institutions that behave similarly in terms of rates, underwriting, and credit requirements.
- Designed for stability, not competition: Canada's concentrated banking system was intentionally created post-Depression to prioritize safety over flexibility, which helped avoid failures during the 2008 crisis but limits competition.
- Different bank personalities: Each of the Big Six has distinct lending approaches—RBC prefers "vanilla" borrowers, TD is systems-driven, Scotia is unpredictable, BMO is business-friendly, CIBC is mortgage-aggressive, and National Bank is regionally focused.
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Nick & Dan discuss co-ownership structures for real estate, focusing on joint tenancy vs. tenants in common, and land lease properties. Joint tenancy means equal shares with automatic transfer to surviving owners upon death, while tenants in common allows unequal shares that pass to heirs. Land lease properties let you own the building but lease the land, offering lower purchase prices but with ongoing ground rent and lease expiration concerns.
- Joint tenancy requires equal ownership and unanimous consent for major decisions, with automatic survivorship rights.
- Tenants in common allows flexible ownership percentages and independent sale of shares, but no automatic transfer on death.
- Land lease properties have lower purchase prices since you only own the structure, but require ongoing ground rent and the lease eventually expires.
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Canada's housing market remains stalled despite lower interest rates. The problem has shifted from mortgage costs to fundamental affordability — buyers don't believe prices have reset enough, sellers are discounting to move properties, and the market lacks conviction on both sides. Then in the second half of the show we are joined by our amazing event hosts for some national updates.
- Market weakness is broad-based: National sales down 10.7% year-over-year, prices down 3.8%, with Toronto and Vancouver leading the decline.
- Rates aren't the issue anymore: The Bank of Canada cut rates four times in 2025 to 2.25%, but affordability concerns and economic unease still prevent buyers from acting.
- 2026 outlook is mixed: Spring 2026 is the earliest realistic turning point, with strong growth expected in Quebec City, Montreal, and Regina, while Toronto and Vancouver prices continue falling.
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Nick interviews Nathan Kennedy, otherwise known as New Money Nate discussing content creation, personal finance, and real estate investing.
- Nate's Background: Full-time content creator who started in 2018-2019 during college, grew to over 1 million followers across platforms, and transitioned from a full-time job to content creation in 2021 when social media income exceeded his salary.
- Content Philosophy: Takes a storyteller approach rather than giving direct advice, using scripted skits to educate viewers on personal finance topics while doing thorough research and consulting experts to ensure accuracy.
- Views real estate as requiring an "operator mindset" rather than a passive investment, warns against romanticizing it, and advocates for going in "eyes wide open" since success requires being hands-on initially before scaling to property managers.
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Canada's rental market experienced a dramatic shift in 2025, with vacancy rates rising to 3.1% nationally (the highest in a decade) due to record-high rental construction meeting slower population growth and reduced immigration. This has flipped the market from landlord-favored to renter-favored, with landlords now offering incentives like free months of rent to fill units.
- Vacancy hit 3.7% (highest since 1988), with landlords competing for tenants for the first time in a generation and offering significant incentives.
- Calgary maintained a balanced 5% vacancy despite adding 11% to its rental stock, thanks to strong interprovincial migration and employment.
- Despite rising vacancies, national rents increased ~5%, with landlords raising rates on existing tenants, and affordable units remain scarce.
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The etymology and historical evolution of mortgages, from ancient collateral practices through to modern Canadian mortgage systems, including key regulatory developments and fundamental mortgage terminology.
- The word "mortgage" derives from Old French meaning "dead pledge", with collateral-based lending traced back to the fifth century B.C.and formalized through Roman law
- Major transformations included CMHC's creation in 1945, the 1954 Bank Act enabling bank mortgages, and the 1970s establishment of the five-year fixed-rate standard, with recent stress tests implemented in 2018.
- Key terms include mortgage term (contract duration, typically 5 years), amortization (total repayment time, usually 25 years), and the distinction between fixed and variable rates, plus different mortgage types like conventional (20%+ down)and high-ratio (under 20% down).
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Canadian real estate investors face new uncertainty due to Aboriginal title claims, particularly following the August 2025 Cowichan case in Richmond, BC. This landmark ruling recognized Indigenous title over 300 hectares of land that included existing private fee-simple properties – the first time in Canadian history this has occurred. The decision has triggered financing issues, cancelled deals, and government intervention, with BC Premier Eby announcing $150 million in loan guarantees. While no one has been evicted, the ruling challenges the traditional concept of "indefeasible" title and creates uncertainty for property owners, lenders, and investors across Canada.
Plus in the second half of the show we are joined by an expert Bruce Pardy to get his perspective on the subject.
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We finish part 2 of all the terms you need to know. Land assembly (combining properties for larger projects), liens (legal claims on property for unpaid debts), land transfer tax (provincial/municipal tax on purchases), letters of intent (preliminary commercial agreements), and minor variances (zoning exceptions).
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In Real Estate, everyone speaks the same language but different sectors use different variations. Developers, flippers, lawyers, mortgage brokers, contractors, and realtors all use different variations of real estate terminology, in this episode we cover the first portion of very relevant terms you need to know. Each term includes what it is, how it works, why it's important, and practical context for Canadian real estate.
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We are joined by commercial real estate broker, podcaster, investor and overall great guy, Dayma Itamunoala. Dayma has extensive knowledge and experience in the multifamily space and has also spent years interviewing the top figures in Canadian Real Estate.
- What type of deals he is seeing right now
- What's working—and what's not
- How the podcast and LinkedIn changed the game for you
- Key lessons from interviewing Canada's top real estate professionals
- Emerging trends in the market
- Advice for professionals and investors just getting started
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We are talking conditions (contingencies) in Canadian real estate offers – protective clauses that allow buyers to back out of deals if certain requirements aren't met. After nearly disappearing during the pandemic housing frenzy, conditions are making a comeback as the market shifts toward buyers.
- Firm vs. Conditional Offers: A firm offer has no conditions and binds you immediately, while a conditional offer includes safety valves that let you walk away penalty-free if requirements aren't met.
- Main Condition Types: The most common buyer protections include financing (mortgage approval), home inspection, insurance, sale of existing property, assignment rights, and general due diligence.
- Market Context Matters: In buyer's markets you have leverage to include protective conditions, but in competitive seller's markets, conditions can make your offer less attractive.
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The history and evolution of condominiums in Canada, covering their emergence in the 1960s through today's challenges, with a focus on multiplex stratification. The we are joined by Ben Singer of SR Law for a deeper legal dive.
- Canada's first condo: The Brentwood Village townhouse complex in Edmonton (1967) was Canada's first registered condominium, enabled by the Condominium Act of 1967.
- Growth trajectory: Condos grew from less than 10% of Canadian homes before 1981 to 40-50% in recent years, with exponential growth since 1997.
- Multiplex stratification: Montreal and Vancouver have long embraced stratifying multiplexes into individually owned condo units, while Toronto is just beginning to explore this approach.
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We cover the PWC-ULI Emerging Trends in Real Estate 2026 report, which analyzes Canada's real estate market through interviews with industry professionals. The report highlights housing affordability challenges while noting resilience in alternative sectors like retail, student housing, and industrial properties. Despite current difficulties, industry leaders remain cautiously optimistic about adapting to find new growth opportunities.
- Housing remains the central challenge — Affordability issues are affecting the entire real estate market, with government programs like Build Canada Homes emphasizing modular construction to accelerate supply
- Alternative asset classes are outperforming — Retail, student housing, self-storage, seniors' housing, and industrial properties show strong performance, with approximately 7.6 million Canadians (18.9%) now 65 or older driving demand in seniors' housing
- Market is shifting to "the age of the operator" — Success now depends on operational excellence, cross-industry partnerships, and technology integration rather than just identifying the right asset class or location
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Ontario's Bill 60 (Fighting Delays, Building Faster Act, 2025) introduces major changes to landlord-tenant law aimed at speeding up evictions and reducing Landlord and Tenant Board delays. The legislation shortens timelines for tenants to respond to eviction notices, limits their ability to raise defenses at hearings, and reduces compensation requirements for certain evictions.
- Faster evictions for non-payment: Grace period cut from 14 days to 7 days, and tenants must now pay 50% of arrears upfront to raise maintenance issues as a defense
- Reduced tenant protections: Tenants can no longer raise new issues at hearings without advance notice, and appeal timelines shortened from 30 to 15 days
- Lower eviction costs for landlords: Landlords giving 120+ days notice for "own use" evictions no longer need to pay one month's compensation
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Nick & Dan discuss the benefits of owning a home, both financial (building equity, fixed mortgage payments, tax advantages) and emotional (stability, freedom, community), while acknowledging affordability challenges. They introduce the episode's focus: a step-by-step guide to buying your first home, including building a "power team" of professionals and using tools like the First Home Savings Account.
- Homeownership builds equity and wealth over time, unlike rent, while offering predictable costs through fixed-rate mortgages and potential tax benefits.
- Beyond finances, owning a home provides stability, freedom to personalize your space, pride in achievement, stronger community connections, and freedom from landlord-related frustrations.
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The Canadian housing market in October 2025 showed modest growth with sales up 0.9% from September, marking the sixth increase in seven months. The market is balanced but gradually tightening, with the sales-to-new-listings ratio at 52.2% and months of inventory at 4.4 months. Prices have stabilized, with the national average at $690,000 (down just 1.1% year-over-year) and the MLS Home Price Index up 0.2% month-over-month.
- End-user demand is returning as interest rates reach "almost stimulative territory," though buyers remain cautious due to economic uncertainty.
- After corrections in 2022-2023, home prices have stabilized and are moving sideways to slightly up, with year-over-year declines narrowing to their smallest levels since spring.
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We interview Jayden Haywood of River Developments on site at one of his 4+1 developments to discuss what we think is the best way for homeowners, developers, and investors to make money in Canadian Real Estate right now.
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Is real estate passive?! We look at real estate investing strategies, ranking 15 different approaches from most active (fix-and-flip) to most passive (turnkey rentals, REITs, and syndications).
- We explore the spectrum of real estate investment strategies, emphasizing that true passive income requires either upfront work to build systems or choosing inherently passive vehicles from the start.
- The more you do yourself in real estate, the less passive it becomes—the path to passive income involves either hiring property managers, partnering with experienced operators, or investing in vehicles like MICs and crowdfunding that require minimal involvement.
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Canada's Budget 2025 and its impact on housing policy. The hosts critique the $25 billion housing investment as insufficient, noting it includes infrastructure conditions, a limited GST rebate, immigration cuts, and controversial OAS spending — while the construction industry warns of job losses.
- The federal HST rebate on new homes up to $1 million only helps about 20,000 buyers per year nationwide — essentially a political soundbite rather than a broad affordability solution.
- BILD and the Large Urban Centre Alliance criticize the budget for relying on backward-looking data while new-home sales have collapsed 67-82% across major markets, warning that 100,000 construction jobs are at risk.
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Canada's housing market in 2025 is stuck in neutral—not booming or crashing, but stagnant. Despite interest rate cuts, buyer confidence remains low due to employment uncertainty and immigration policy reversals, creating a prolonged stalemate between cautious buyers and reluctant sellers. We're also joined by some of our national event hosts for some boots on the ground updates.
- Toronto has seen home values drop 25% since 2022 with condo prices down 7.5% year-over-year, while Winnipeg posted 7.2% price gains and Calgary remains 35% above pre-pandemic levels.
- Canada's population growth will hit near-zero in 2025-2026, down from 3%+ recently, with permanent resident targets reduced to 395,000 in 2025 and 365,000 by 2027, profoundly impacting rental markets and housing demand.
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We interview David Chilton, aka The Wealthy Barber aka a former Dragon. We had an amazing discussion about personal finance, entrepreneurship and money. We asked David;
- The original motivation for writing the book and what financial issues he observed
- Why he revisited the book and what needed updating
- Challenges faced as an entrepreneur in the financial industry
- Why "pay yourself first" remains relevant
- Evolution of money culture from the '90s to today (including TikTok finance)
- Views on real estate as a wealth-building tool for Canadians
- Advice for young Canadians considering entrepreneurship
- Advice for older Canadians approaching retirement
Buy the, Physical book, the Audiobook, or the Ebook
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We cover three major shifts in Canadian real estate:
- BC Land Ownership: The Cowichan Tribes won a land title ruling in BC Supreme Court, challenging ownership certainty since 95% of BC is unceded land. This creates risk for developers and lenders due to legal ambiguity.
- Ontario Rent Control: The government quickly abandoned plans to consult on "security of tenure" rules, showing the political power of tenants — over 50% of Toronto households rent. This reflects a shift toward renter-driven housing policy.
- Interest Rate Uncertainty: The Bank of Canada is signaling fewer rate cuts than expected, with markets pricing in a "pseudo-pause". This creates challenges for both homeowners and renters.
The common theme: power is shifting in Canadian real estate — Indigenous nations reclaiming land, tenants reclaiming policy, and the Bank trying to reclaim inflation control.
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We are on site at the OHBA's annual conference in Collingwood, Ontario where we had some amazing conversations with experts in the industry and spoke about things like policy, illegal building, and whats wrong and right with the industry right now!
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Nick and Dan analyze the CMHC Housing Design Catalogue, which offers over 50 free standardized housing designs across Canada. They explore opportunities for real estate investors including reduced design costs and faster approvals, while critically examining challenges like high construction costs, lengthy permit processes, and questions about Housing Minister Gregor Robertson's track record.
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In this news episode, BMO warns that Canada's housing market has been falling for three years, similar to the 2007 US crash. Recovery will take a long time. CMHC says today's Toronto condo slowdown is different from the 1990s crash because lending rules are tougher and buyers are more financially tested, meaning things won't get as bad. On the positive side, the federal government plans to cut development charges in half in the November 4 budget. Canada's hottest housing markets have moved to the Prairies and Atlantic Canada, with Newfoundland leading with 12.3% price increases.
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Nick and Dan break down the essential metrics every Canadian real estate investor needs to master: cap rate, DSCR, cash-on-cash return, and IRR. Using a detailed Hamilton duplex example, they demonstrate how to calculate each metric, explain what they reveal (and what they don't), and show how to use them strategically—from quick property screening to deep financial modeling.
- Cap rate is your screening tool: Perfect for quickly comparing properties across markets, but it doesn't account for financing or long-term performance.
- DSCR and cash-on-cash reveal actual profitability: These metrics show whether your property will make or lose money with financing—the Hamilton example had a terrible 0.61 DSCR and -10.5% cash-on-cash return.
- IRR captures the complete picture: It's the only metric that accounts for the entire investment lifecycle including appreciation, principal paydown, and your exit, showing you can still profit even with negative annual cash flow.
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Canada has a critical financial advice gap, where 51% of households are "unadvised" — a disparity that hits lower-income families hardest. The discussion explores how excessive regulatory burden and economic factors prevent middle-income Canadians from accessing professional financial guidance, leading many to rely on social media influencers instead. Through analysis of the CD Howe Institute's "Regulatory Reset" report, the hosts unpack how this advice gap affects mortgage decisions, homeownership wealth, retirement savings, and national productivity.
- Advised investors accumulate roughly 2.3 times more assets over 15 years than non-advised peers, yet only 38% of lower-income households receive financial advice compared to 60% of high-income households.
- 35% of Canadian retail investors now make investment decisions based on social media influencers rather than professional advisors, while banks leave a 16-percentage-point gap in the financial planning advice customers actually need.
- Financial services regulations have increased 51% since 2006, making it uneconomical for advisors to serve mass-market clients and contributing to underutilization of tax-advantaged savings programs — only 22.4% of eligible Canadians contributed to RRSPs in 2022.
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We are joined by the CEO and founder of WOWA for an in depth discussion of whats wrong with Canadian Real Estate and why are young people way less happy then they used to be.
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We profile Canada's wealthiest real estate moguls and developers, exploring their immense wealth, business strategies, and influence on the Canadian housing market. Nick and Dan examine both billionaires with major real estate holdings and dedicated property developers who've shaped Canada's urban landscapes.
- The wealth disparity in Canada is stark - the combined net worth of the 10 richest Canadians is now $261 billion (compared to just $60 billion in 2004), with many billionaires earning a typical Canadian's annual salary by January 2nd.
- Many of Canada's real estate fortunes began with immigrant families who arrived with nothing and built multi-billion dollar empires through strategic property development and investment.
- The episode questions what responsibility these ultra-wealthy individuals have to address Canada's housing affordability crisis, given their significant influence on the real estate market.
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OSFI has finalized revisions to the CAR guideline, effective Q1 2026, which significantly impacts how banks treat mortgages tied to rental income. The key change prevents borrowers from reusing the same income to qualify for multiple properties, which will make it harder for small investors to grow their portfolios.
- The 50% borrower-income test is reaffirmed, but now income used for one mortgage cannot be used again for another property. This could reduce mortgage qualifying amounts from around $700,000 to $300,000 for typical investors.
- B-side lenders (credit unions, private mortgage companies) not bound by OSFI regulations can fill the gap by continuing to consider global income, though typically at 1-3% higher interest rates.
- Combined loan products will be treated as a single risk, new IRB banks must start with high capital floors, and a new Credit Risk Management guideline is coming in January 2026.
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Small commercial real estate offers potentially lucrative investment opportunities that are often overlooked. The discussion covers different types of commercial properties, financing considerations, and strategies for maximizing returns.
- Commercial real estate offers different advantages compared to residential, including higher rents and longer lease terms (3-10+ years), providing more stable income when managed properly.
- Commercial mortgages differ from residential ones - they're based on the property's ability to generate cash flow rather than the borrower's ability to repay, and typically have higher interest rates due to increased risk.
- When investing, consider property classification (Class A-C), location, tenant selection, and market trends - with recommendations to look for multi-use zoning and appropriately sized properties to maximize value.
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We interview Sarah Larbi, where she discusses her real estate investment journey:
Sarah began with a "boring" buy and hold strategy, purchasing a small $129,000 house in Brantford with 20% down while working two jobs to save money.
She progressed from basic buy-and-hold to BRRRR (Buy, Renovate, Rent, Refinance, Repeat), then expanded into short-term rentals with cottages in 2018, and eventually developed a resort in 2022.
The importance of tenant screening after bad experiences, finding the right mortgage broker who understands investing, and evolving strategies with market changes - including mid-term rentals that generate 1.5-2.5x the income of long-term rentals.
Get in touch with Sarah Larbi
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We discuss the return-to-office (RTO) trend in Canada and its impact on real estate markets. Employers are increasingly mandating office attendance and the resulting effects on urban centers, housing markets, and workplace dynamics are fascinating.
- Canadian employers (government, banks, telecoms) are mandating 4-5 days in-office by 2026, with downtown foot traffic still 43% below pre-pandemic levels in Toronto.
- The RTO trend is affecting real estate markets, with downtown rental prices increasing while some remote workers who relocated during COVID face difficult decisions about moving back.
- Some employers may be using RTO mandates as a "layoff filter" to encourage voluntary departures without formal layoffs - a tactic that 25% of executives admit hoping will prompt staff to quit.
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The Canadian housing market shows signs of recovery with five consecutive months of sales gains, but it's not a full-on boom. The Bank of Canada cut interest rates on September 17th from 2.75% to 2.5%, which will provide some relief to variable-rate mortgage holders, with another cut expected on October 29th.
- Rising Supply vs. Modest Sales Growth: While August sales were up 1.1% from July (strongest August since 2021), new listings climbed 2.6% - more than double the pace of sales increase, shifting market power toward buyers.
- Price Stabilization: Home prices are under softening pressure with the national benchmark Home Price Index essentially flat (down 0.1% month-over-month) and 3.4% lower than a year ago.
- Rate Cut Impact: The recent interest rate cut will ease pressure on variable-rate mortgage holders ($15 less per $100K in monthly payments), but won't immediately solve the oversupply issue that's driving market conditions.
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We’re lucky to be joined by Bruce Croxon for a conversation on business, real estate, investing, and entrepreneurship. Bruce co‑founded and grew Lavalife, later selling it for more than US$150 million. He’s a former Dragon on CBC's Dragons' Den, a partner at Round13 Capital, and co‑host of BNN's The Disruptors. A serial entrepreneur and investor, he focuses on scaling Canadian tech startups — and he’s just a great guy. In this episode he shares candid, honest stories about failures, lessons learned, and his entrepreneurial journey.
Thanks to myAbode and Valery for setting this up!
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Canada's economy is facing significant challenges with unemployment rising to 7.1% in August 2025, the highest since 2016 (outside pandemic periods). The economy lost 66,000 jobs in August following 41,000 jobs lost in July. Trade tensions with the US are affecting tariff-exposed sectors, while the housing market shows a fragile recovery amid calls for interest rate cuts.
- Unemployment reached 7.1%, with 66,000 jobs lost in August, particularly in tariff-exposed sectors like manufacturing, transportation, and technical services; youth unemployment is especially high at 14.5%.
- Housing affordability remains challenging despite falling prices (GTA average home price down to $1,022,143 from $1,193,771 in 2022), with the housing cost-to-income ratio deteriorating to 7:1 nationally and 9:1 in Ontario.
- Markets strongly anticipate a Bank of Canada rate cut on September 17th (92% probability), with the policy rate currently at 2.75%, down from 5% in June 2024.
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What it means to be a millionaire in Canada in 2025, focusing on how inflation, real estate values, and wealth distribution have changed the significance of the million-dollar threshold.
- Due to inflation, $1 million today has significantly less purchasing power than in previous decades, with current dollars worth less than 4% of their 1915 value.
- Many Canadians are "paper millionaires" through home ownership but lack true financial freedom, as owning a $1 million home with a large mortgage doesn't equate to being wealthy.
- Canada's wealth remains heavily concentrated among baby boomers who hold over US$83 trillion in net wealth - five times that of millennials.
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The importance of networking, persistence, and face-to-face meetings in real estate success. Nick shares a story about persistently following up with a potential client for 8 months, resulting in a productive two-day meeting in Windsor. The hosts also discuss their "Unpacking Multiplexes" event and the critical housing needs and opportunities in Ontario.
- Persistence in relationship building is crucial - Nick's 8-month follow-up strategy demonstrates how consistency leads to business opportunities
- Face-to-face meetings dramatically change relationship dynamics and build the trust necessary for successful real estate deals
- Real estate success requires both understanding numbers (market data, financing options) and building relationships with the right people who can help execute projects
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iPro Realty, a major Ontario brokerage with 2,400 agents, was discovered to have a $10.5 million shortfall in their trust accounts in May 2025. Co-founders admitted to taking the money, but RECO (the regulator) negotiated a quiet settlement rather than pressing charges, leading to industry outrage and the resignation of RECO's Registrar.
- A Co-founder had previously sat on RECO's board until 2023,
- RECO kept the scandal secret for three months while attempting to recover funds, allowing iPro to continue taking client deposits despite the known shortfall
- The aftermath included the firing of RECO's Registrar and questions about the effectiveness of self-regulation in real estate
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Dan interviews Max Steinman (CEO of RentSync/Rentals.ca) and "Millennial Moron" (Jeb) about current trends in the Canadian rental market. They discuss the impact of increased purpose-built rental supply, declining demand in major cities, rising vacancies, and strategies for both large and small landlords to compete in this shifting landscape. The importance of location, the unintended consequences of rent control, and the need for a more balanced approach to housing affordability that addresses supply-side issues.
- Demand is down and supply is up, leading to declining rents and rising vacancies, especially in Toronto and Vancouver due to an influx of condo units into the rental market.
- Small landlords need to focus on providing excellent service, building relationships with tenants, being willing to negotiate on rent, and highlighting advantages like rent control to compete with larger purpose-built rentals offering incentives.
- Increasing the supply of purpose-built rentals can ultimately improve housing affordability and create a more stable rental market, but it's important to strike a balance and avoid over-relying on demand-side solutions.
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The Foreign Buyer Ban was implemented in January 2023 to make housing more affordable for Canadians by prohibiting non-Canadians from purchasing residential properties with up to 3 dwelling units in urban areas. The ban was recently extended until January 1, 2027. While politically popular, its effectiveness has been questioned due to numerous loopholes and its coinciding with rising interest rates, making it difficult to isolate its impact on the housing market.
- developers have called for lifting the ban, arguing it's stalling construction by blocking foreign capital needed for pre-sales financing, with housing starts in BC dropping 50% from March 2024 to March 2025
- The ban has multiple workarounds including obtaining permanent residency, buying properties with 4+ units, purchasing in rural areas, or investing in development projects
- The ban's effect on prices has been minimal compared to interest rate increases, with industry experts like Royal LePage's COO calling it "unnecessary" with "virtually no impact on home costs or supply"
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We discuss how modular construction and prefabricated housing can address Canada's housing crisis through improved labor productivity. The hosts examine Canada's productivity challenges compared to the US, particularly in construction, and explore innovative building methods that could accelerate housing production despite an aging workforce.
- Canada needs to double its housing construction to approximately 430,000-480,000 annual starts to restore affordability, but faces barriers including labor shortages and weak productivity in residential construction.
- A "silver tsunami" of retirements will remove about 270,000 construction workers (one-fifth of the workforce) over the next decade, creating an urgent need for productivity improvements.
- Innovative methods like modular construction can reduce build times by 20-50%, while mass timber requires half the workforce of concrete builds and speeds construction by 30%
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We explore whether Canada is moving toward a "renters economy" where more people rent homes rather than own them. It examines historical housing trends, current market conditions, and international comparisons to assess if Canada is following countries like Germany where renting is normalized.
- "You'll own nothing and be happy" represents a subscription-based future economy
- Canadian homeownership rose from 40% (1940) to 60% (1970s) due to post-WWII government policies
- Millennials face the highest barriers to homeownership
- Current construction favors rental units (108,000) over condos, boosted by CMHC incentives
- Germany normalizes renting with strong tenant protections, 11-year average tenancies
- Real estate makes up 28% of Canada's GDP, possibly diverting investment from more productive sectors
- A rental economy shift could improve tenant protections and amenities while increasing property values
- Canada appears to be gradually shifting toward a rental-focused housing landscape
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We open the show with an institutional perspective on the housing market and close it with our hosts who provide boots on the ground updates
- RBC/BMO Forecast: Home resales are down, but a rebound is expected in 2026, tempered by affordability, labor market, and immigration challenges.
- Regional Differences: Prairies and Atlantic Canada are more stable; Ontario and B.C. face imbalances, with prices dropping into 2026.
- Affordability & Pent-Up Demand: Lower rates and prices offer some relief, but affordability remains a key constraint, and improvements slow population growth.
- High Inventory: Ontario and B.C. are flooded with homes for sale, giving buyers more power while sellers need to compete for a strong come back.
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We are joined by Brian Dorr, President & CEO of DORR Capital, who have funded over 3 billion.
- Insights on how the public vs. private sectors have influenced Brians Capital's 13-year journey in real estate.
- The 4+1 new build initiative and its impact on housing.
- How standard lot sizes, capital stacks, development charges, and garden suite variances affect project timelines and feasibility.
- An update on the new sixplex zoning and its broader effects on housing development.
- A comparison of private financing vs. institutional capital and the importance of speed in project decisions.
- The Impact of MLI Select and whether CMHC changing role had an impact on the industry.
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We are joined by Brandon Sage on the shot to get his expert insights into the opportunity in multifamily as well property management.
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In this news episode, we break down whats going on in the market,
- Record numbers of Canadians are emigrating, with many heading to the U.S.
- Canadians are increasingly investing in U.S. stocks ($14.2 billion in May) while pulling back from domestic real estate
- Construction costs are rising well above inflation targets due to tariffs and skilled labor shortages
- Eliminating interprovincial trade barriers could potentially add 30,000 annual housing starts
- Down payment assistance has become essential for 70% of recent Canadian homebuyers
- Seniors are reluctant to downsize, which impacts housing availability for first-time buyers
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Toronto's Housing Policy Changes: Toronto now allows sixplexes in select areas and is waiving development charges for up to 6 units per lot, saving developers approximately $50-80k per unit.
- Nationwide Trend: This is part of a broader movement across Canada, with Vancouver, Edmonton, Calgary, Ottawa, and Halifax also implementing multiplex-friendly zoning.
- Economic Impact: Multiplexes offer a more accessible entry point for small-scale developers, with construction costs around $275/sq ft (less than half the cost of custom homes) and project timelines of 9-12 months.
- Investment Strategy: "Buy, Add Units, Rent, Refinance" is emerging as a new value-creation approach for investors, replacing traditional BRRR strategies in saturated markets.
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We look at cap rate reports from Colliers and CBRE and discuss whats happening in the commercial real estate world.
- National Market Overview: Canadian CRE remains stable (all-property cap rate: 6.67%) despite economic uncertainty; Bank of Canada cuts to 2.75% created favorable lending conditions.
- Asset Class Performance: Industrial leads with compressing cap rates (6.16%); retail rebounds as "investor darling" (5-6% range); multifamily maintains lowest yields (mid-4%); office struggles with rising cap rates.
- Regional Highlights: Toronto and Vancouver have lowest cap rates; Montreal faces highest office vacancy; Calgary industrial remains strong; Ottawa saw sharpest industrial cap rate drop (-75 basis points in Q1).
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We're joined by Ron Butler to discuss the current state of the Canadian real estate and mortgage markets, emphasizing how regulatory hurdles, high development costs, and cautious monetary policy are creating significant challenges. He explains that while mortgage rates are climbing, the Bank of Canada's stance remains cautious despite economic growth, which leads to a difficult environment for buyers, investors, and brokers alike. Overall, there's a recognition that market correction and adjustment are underway, driven by policy and macroeconomic factors.
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In this jam packed news episode we cover a wide variety of stories, including:
- Market Transformation: The Ontario cottage market is experiencing significant price drops (up to 20.3%) amid increasing inventory and cooling demand, while Canadian investors are withdrawing from U.S. real estate investments with potential for $650+ million flowing back into Canadian markets.
- Economic Uncertainty: Major Canadian banks have widely divergent forecasts for Bank of Canada's next moves, with some predicting no rate cuts in 2025 while others expect cuts of 75 basis points by early 2026, as Toronto's mortgage delinquencies have tripled to a 12-year high.
- Regional Rental Landscape: Canada's provincial rent control policies vary dramatically in 2025, from Ontario's 2.5% cap to completely uncapped increases in Prairie provinces, creating different investment opportunities and challenges across the country.
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We are joined by our amazing hosts to discuss the national market updates as well as go over the CREA stats.
- National home sales rose 2.8% in June 2025 (following a 3.6% increase in May), but prices remained flat at around $691,000, showing a rebound in activity but not in prices.
- Significant regional differences exist with Ontario and BC in buyers' market territory (Ontario at 38% sales-to-new-listings ratio, BC with 6.5 months of inventory), while Alberta and Manitoba remain sellers' markets with much lower inventory levels.
- "The Age of the Measured Move" where strategy and patience are key, with a stable but fragile market where buyers have real opportunities especially in Ontario and BC.
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We are joined by CMHC's Chief Economist, Aled ab Iorwerth, to discuss the findings of his new report. The report highlights the need to nearly double housing starts (from 250,000 to 480,000 annually) to restore pre-pandemic affordability by 2035.
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We explore Canada's economic stagnation, drawing parallels to Japan's "Lost Decade" of the 1990s. Canada is experiencing its own version of a lost decade with declining productivity (falling for 13 straight quarters despite an educated workforce), stagnant per capita wealth (producing no more wealth per person than in 2014), overreliance on real estate for economic growth (accounting for over 20% of GDP), lack of business investment in productivity-enhancing capital, rising household debt (101.2% of nominal GDP) with stagnant income growth, and housing shortages amid rapid population growth (creating a "population trap"). The hosts warn that conventional economic remedies may be insufficient, as demonstrated by Japan's decades-long stagnation despite trying various policy approaches.
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There are some major shifts in Canada's real estate market in 2025-2027, highlighting three key trends: Interest Rate Stabilization, Collapsing International Student Enrollment, Historic Population Growth Slowdown
- RBC predicts the Bank of Canada will maintain rates at 2.75% with no further cuts expected, forcing investors to adjust their strategies rather than hoping for lower rates.
- Many Canadian colleges are experiencing a 50% drop in international students due to federal policy changes, with some institutions like Conestoga College seeing up to 95% reductions. This is causing significant vacancy risks for student rental investors.
- Canada's population grew by only 20,107 people (essentially 0%) in Q1 2025, the lowest growth in almost 80 years. This is primarily due to reduced immigration and a decrease of 61,000 non-permanent residents.
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Should you buy a rental property or invest in a REIT? In this episode, Dan welcomes Simon from the Canadian Investor Podcast to break down the pros and cons of both strategies. Simon goes over some of the key metrics to look at when analyzing a REIT. From payout ratios and leverage limits to tenant base and growth strategy, we cover the critical factors that separate the good from the bad. Whether you're new to real estate investing or looking to diversify your portfolio, this episode will help you decide which path makes the most sense for your goals.
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Did you know approximately 10% of home sales happen without ever being publicly listed? Off-market properties offer exclusivity and advantages for both buyers and sellers, including privacy, reduced competition, and potentially better negotiation terms.
We explore what makes these deals unique, the appeal of "insider" opportunities, and detail strategies for finding these hidden gems. From driving for dollars and mail campaigns to leveraging wholesaler relationships, this episode gives Canadian investors practical methods to find properties before they hit the market.
These strategies help investors of all experience levels avoid bidding wars and secure better deals off-market. We also address potential drawbacks including pricing challenges and limited exposure, providing a complete view of off-market investing.
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How do Cap Rates work? Why & how they change & why every investor needs to understand them, especially in a down market.
- Cap Rate Math Impact: A 2.5% cap rate increase (4% to 6.5%) can cause a 38.5% property value drop, potentially eliminating equity for leveraged investors.
- Recession Patterns: Cap rates rise during downturns as investors require higher returns for increased risk, even when interest rates initially fall.
- Investor Strategy: Savvy investors avoid assuming further cap rate compression and instead stress-test for expansion to ensure investments can withstand market changes.
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Homeownership remains a strong aspiration for many Canadians despite affordability challenges. A Habitat for Humanity/Deloitte study shows significant benefits of ownership versus renting, including income growth and improved health outcomes. Yet, Canada's homeownership rate dropped from 69% (2011) to 66.5% (2021), with young adults particularly affected.
- Strong Desire Despite Challenges: 84% of young Canadians (18-38) believe homeownership is worthwhile despite affordability issues.
- Measurable Benefits: Homeowners experienced 28% higher incomes than comparable renters, with 73% reporting better physical health.
- Declining Accessibility: Homeownership among 25-29 year-olds fell from 44% to 36.5% over a decade.
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The Canadian housing market in May 2025 showed signs of movement but not a dramatic rebound.
National home sales increased by 3.6% month-over-month, primarily driven by Toronto, Calgary, and Ottawa. However, supply is outpacing demand, with new listings up 3.1% and total active listings up 13.2% year-over-year. The market has entered what's being called a "negotiation market" where buyers have more leverage and choices.
- The market is showing increased activity but remains cautious - sales are up but still 4.3% below last year's levels
- Supply is increasing significantly with the sales-to-new listings ratio at 47%, below the 10-year average of 55%
- Prices are stabilizing with the national average at $691,299, down 1.8% from last May, with significant regional variations - Ontario and BC showing declines while Quebec, Manitoba, and Saskatchewan are seeing increases
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This is a comprehensive guide for first-time real estate investors, covering everything from initial goal-setting to executing investment strategies. Here are three key takeaways:
- Foundation is Critical: Start by setting clear goals and understanding your "why," then create a detailed business plan that will guide your investment journey.
- Build a Strong Network: Success in real estate investing requires a power team of professionals (mortgage agents, real estate agents, lawyers, etc.) and active networking to build relationships that provide opportunities.
- Focus and Execute: Pick a specific asset class and market to focus on, thoroughly analyze deals based on numbers, and stick to your chosen strategy rather than getting distracted.
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Is the Canadian dream of homeownership still alive? We break down the latest CMHC Mortgage Consumer Survey, revealing how first-time buyers are really getting into the market.
- First-time buyers now make up 12% of mortgages (up from 10%), with over half using co-buyers and receiving family gifts averaging $74,000 ($150,000 in Ontario/B.C.).
- 65% of first-time buyers are at their budget maximum, with fewer using savings for emergencies (50% vs. 78% last year).
- Most buyers remain optimistic: 80% see homes as good investments, and 74% expect values to rise next year.
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Total household debt in Canada has reached $2.55 trillion, with non-mortgage debt averaging $21,859 per consumer. The situation is particularly concerning in Ontario, where mortgage delinquency rates have increased by 71.5% year-over-year.
- A "mortgage renewal wall" is approaching, with about 60% of all outstanding mortgages coming up for renewal in the next couple of years, facing significantly higher interest rates (4-5% range compared to previous sub-2% rates).
- Nearly a third of mortgage renewers are using debt to pay off other debt, while younger borrowers and lower-income households are showing increasing signs of financial stress.
- Credit card spending has decreased to its lowest since March 2022, suggesting cautious consumer behavior, but payment rates are falling, especially among Canadians under 35.
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We discuss the Bank of Canada's Financial Stability Report (FSR) for May 2025, which examines the current state of Canada's financial system and housing market. Here are three key points:
- The housing market shows high debt levels, with Canadians carrying approximately $1.73 in debt for every $1 of disposable income, making them vulnerable to economic shocks.
- Interest rates have decreased from their peak, creating a more positive outlook for borrowers, though they won't return to pandemic-era lows. TD forecasts this could help revitalize the housing market in 2025.
- About 60% of Canadian mortgages are due for renewal in 2025-2026, with most borrowers facing higher payments than their previous rates, though increases will be less severe than initially feared.
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The Canadian real estate market shows a clear geographic divide as of April 2025, with key differences between regions, we are also joined by our amazing hosts from across the country for some boots on the ground updates.
- Ontario and B.C. are experiencing price declines , while other provinces like PEI, Quebec and Alberta are seeing price growth.
- Population Shifts: Ontario lost 32,000 people and B.C. lost 10,000 to interprovincial migration in 2024, while Alberta gained 53,000 new residents, significantly impacting housing demand patterns.
- Ontario and B.C. show increasing inventory and softening demand, while Alberta, Quebec, and Atlantic Canada maintain tight inventory levels with sustained demand and competitive conditions.
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An interview with Adi Koparde, President of RealShare. We discuss real estate investing and fundraising in Canada, how to raise capital, and the compliance needed.
- the fundraising environment in Canada vs. the U.S.?
- the different fundraising exemptions in Canada?
- What is the role of an Exempt Market Dealer (EMD)?
- What should an investor look for when choosing a private real estate deal?
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In 2024, reported fraud across all sectors reached $638 million, with total losses since 2021 exceeding $2 billion. Officials estimate this represents only 5-10% of actual fraud occurring.
- Three main types of mortgage fraud are identified: fraud for shelter (everyday people misrepresenting finances to get homes), fraud for profit (industry insiders manipulating the system), and fraud for money laundering (criminals using real estate to clean illicit funds).
- A "Toronto model" of fraud has emerged where people claim fake high-paying jobs in China to secure mortgages, with bank employees sometimes colluding with scam centers to provide false documentation.
- The problem is exacerbated by Canada's housing affordability crisis and strict lending rules, which push some desperate buyers toward fraudulent practices.
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Brian Buffini built North America's largest business coaching firm, his company has trained over 3M professionals in 37 countries through lead-generation systems.
The company currently coaches 10,000+ business people across North America, while Brian travels globally speaking about "living the good life" and helping others reach their potential.
Reach out to Buffini
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A guide to financing options for first-time real estate investors covering both traditional and creative solutions for entering the market.
- House Hacking: Live in part of the property while renting other portions, allowing 5% down payment and using rental income for mortgage payments.
- Traditional Bank Financing: 20-35% down payment required, offering competitive rates for qualified borrowers.
- Alternative Financing: Private mortgages, VTB mortgages, and partnerships available for those who don't qualify with banks.
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Learn about the opportunities and challenges in missing middle housing as we interview experts Chris Spoke & Ben Singer
- Missing middle housing refers to duplexes, triplexes, fourplexes, and townhomes that add density while matching neighborhood character. These haven't been built in decades due to zoning restrictions.
- These properties offer higher returns than single houses, with basement suites increasing value by 30%. Multiple units provide steadier income by reducing vacancy risk.
- Recent zoning changes in Canadian cities now encourage these developments, with Toronto, Halifax, and Vancouver allowing 4-8 units per lot.
- The process and reasons behind the condo method
Get in touch with Chris Spoke & Ben Singer
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The March 2025 CREA statistics reveal a significant downturn in the Canadian housing market, with national home sales dropping 4.8% from February and down 20% since November's peak. The market is experiencing a divergence between regions, with Ontario and BC showing decline while Prairie provinces, Quebec, and Atlantic Canada maintain some price growth.
- Sales and prices are declining nationally, with the average price falling 3.7% to $678,331, marking the sharpest year-over-year decline in recent times
- inventory levels have increased 18.3% year-over-year, with a sales-to-new listings ratio of 45.9% - the lowest since February 2009
- Market sentiment is being heavily influenced by broader economic factors, including trade tensions, tariffs, and election uncertainty, leading to hesitant buyers and cautious sellers
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The key differences between residential and commercial real estate investing in Canada. Here are three main takeaways:
- Residential real estate is more accessible for beginners, requiring lower down payments (as low as 5% for house hacking, typically 20% for investment properties) and offering simpler management, though with lower returns (5-8%).
- Commercial properties require higher initial investments (20-30% down, sometimes up to 50%) but can offer superior returns through longer lease terms and net lease structures where tenants cover various expenses.
- While residential properties provide more stable income during economic downturns since people always need housing, commercial properties are more vulnerable to economic fluctuations, as evidenced by their performance during COVID-19.
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Canada's recent election where Carney won, with both major parties having similar housing and economic policies. The conversation explores post-election economic challenges, including trade tensions with the US and potential recession concerns.
- About 85% of Canadians voted for similar housing policies, with consensus on issues like lower taxes, help for first-time buyers, and the need to build 300-500k homes per year.
- Trade tensions with the US are creating economic uncertainty, with Carney and Trump scheduled to meet, while Deloitte predicts a recession and RBC forecasts a significant economic slowdown.
- The government is planning targeted responses including infrastructure spending and immigration policy changes, with permanent resident intake being reduced from 500,000 to 365,000.
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This episode's focuses on the seller's perspective in real estate transactions. We explore key considerations and provide practical guidance for homeowners looking to sell, addressing common questions about the selling process.
- Selling Costs: The total cost of selling a home includes REALTOR® fees (3-7%), legal fees (~$1,500), staging costs, cleaning fees, and potential mortgage penalties.
- Market Timing: While late spring and early summer are typically optimal for selling, market conditions can vary significantly, making timing subjective.
- Property Value Assessment: Realtors use Comparative Market Analysis (CMA) to determine property values by examining similar properties, analyzing sale prices, and considering factors like location, features, and market conditions.
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The Canadian federal election on April 28, 2025 presents three distinct approaches to the housing crisis:
- Liberal Platform (Mark Carney): Offers a middle path with both government intervention and market incentives, including a new federal housing developer (Build Canada Homes), MURB tax incentives for rental construction, and GST cuts for first-time buyers up to $1M.
- Conservative Platform (Pierre Poilievre): Proposes a free-market approach with significant tax cuts, including capital gains tax deferral for reinvestment, GST elimination on homes under $1.3M, and reduced government involvement in housing.
- NDP Platform (Jagmeet Singh): Advocates for a housing revolution with massive public spending, stronger regulations, and more tenant protections, including rent controls and restrictions on large-scale investors.
The election is notably polarized, with polls showing over 80% of votes concentrated between the Liberals (45%) and Conservatives (37%), while the NDP sits at 8% support.
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The common questions in the Canadian real estate market- Answered! We address concerns from both buyers and sellers in a challenging market environment.
- A detailed guidance on the home-buying process, starting with saving for a down payment and getting pre-approved for a mortgage, followed by finding a real estate agent.
- Comprehensive breakdown of closing costs is provided, with recommendations to budget between 1.5% to 4% of the purchase price, including various fees like legal costs, land transfer tax, and property adjustments.
- buying versus renting, discussing pros and cons of each option - such as equity building and stability for buying, versus flexibility and lower upfront costs for renting.
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Rod Gilbert, president of the Canadian Construction Association, highlights the construction industry's challenges including COVID-19 impacts and the housing crisis. He stresses the need for infrastructure investment, streamlined permitting, and solutions for labor shortages. Gilbert advocates for government support and improved construction job perception to attract workers, aiming to strengthen Canada's infrastructure future.
- GTHA condo sales hit a 30-year low in 2024, with just 4,590 units sold.
- Purpose-built rentals now exceed condo construction for the first time since 1993, while single-family permits reach historic lows.
- Construction employs 1.6 million people and adds $151B to Canada's economy, though facing workforce and infrastructure challenges.
Canadian Construction Association
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John Orr and Kyle Pearce share their transition from educators to real estate investors and podcasters. They explore real estate partnerships, the Smith maneuver for leveraging home equity, and tax optimization strategies. The discussion covers partnership dynamics, financial strategies including cash damming and vendor take back (VTB), and emphasizes the importance of understanding debt, cash flow, and building a strong financial team for long-term success.
Learn more and connect with John & Kyle here https://canadianwealthsecrets.com/
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The ongoing U.S.-Canada trade war is impacting Canada's housing market, with economists warning of significant effects across all economic sectors. The housing market is showing weakness with plummeting sales and price declines, while the stock market experiences extreme volatility with the S&P 500 dropping nearly 19% since early April.
- A nationwide 5% drop in housing prices is expected, with major cities like Toronto and Vancouver being most vulnerable
- Construction costs have fallen in Toronto and Ottawa, though trade tensions could disrupt this trend
- Toronto's March 2025 real estate sales hit their lowest levels since 1995, potentially signalling broader national trends
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Reporting from Toronto City Hall with Counsellor Brad Bradford where we do a deep dive into whats wrong with the Canadian housing market and his insights on how to fix it.
- Taxes & Development Charges
- Does growth still pay for growth?
- Can Missing Middle & Multiplexes help affordability
- Housing starts are down 68%
Get in touch With Brad Bradford
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A comprehensive guide to finding real estate investment deals, with three main core strategies. The key to success is being prepared to act quickly when you find a good deal and having your financing ready.
- Direct Searching: Both on and off-market approaches, including using listing platforms, working with agents, exploring FSBO properties, and "driving for dollars" to find potential deals
- Strategic Networking: Building relationships with a power team including agents, mortgage brokers, lawyers, contractors, and property managers who can bring deals to you
- Targeted Marketing: Being specific about what you're looking for (like "waterfront cottages" or "student rentals near campus") rather than just saying you want "real estate deals"
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Both leaders, Poilievre & Carney, are focusing heavily on housing affordability through different approaches. Carney emphasizes first-time buyers and economic management, while Poilievre promotes broader tax relief and supply-side solutions. The real estate market is currently experiencing a slowdown as investors and buyers wait for election results.
- The Canadian federal election is scheduled for April 28, 2025
- Major housing policies from the two main candidates:
- Carney (Liberal):
- GST removal on new homes under $1M for first-time buyers only
- Plans to eliminate carbon tax
- Emphasis on economic stability
- Poilievre (Conservative):
- GST removal on all new homes under $1M
- Proposed 1031-style exchange program
- Links federal funding to municipal housing targets
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In this jam packed episode we start by looking at a report on the rental market from two perspectives. Landlord & Tenant. We then look at the CREA stats followed by a live update from our national hosts.
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Live from the BUZZ conference to share a handful of the amazing interviews we had with leaders in the real estate space. we discussed AI, what agents can do to stand out in this market, where the market is headed, the importance of networking and more.
Buzz Media
- Raz Zohar - CEO and founder of Mave
- Samantha Hewit - Executive Vice President of Royal LePage Signature
- Steve Tabrizi - CEO and Owner of RE/MAX Hallmark Group of Companies
- Viginia Munden - Founder of Buzz Media & the Buzz Events
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OSFI is considering replacing the traditional mortgage stress test with a portfolio-level approach that shifts responsibility from individual borrowers to banks, limiting high loan-to-income mortgages to 15% of quarterly originations.
- Current stress test requires uninsured borrowers to qualify at either 5.25% or contract rate plus 2%, but OSFI found it didn't prevent accumulation of high loan-to-income mortgages.
- New 450% loan-to-income cap implemented January 31, 2025, restricts banks to issuing no more than 15% of quarterly mortgages to heavily indebted borrowers.
- Pre-construction condo market facing crisis with properties being appraised 10-30% below original purchase prices, highlighting need for regulatory oversight.
- Specific industries facing increased lending restrictions, including steel and aluminum workers, suggesting broader economic concerns affecting mortgage availability.
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Despite current negative sentiment about Canada, there are significant opportunities for growth and development, particularly in natural resources and technology sectors.
- Resource Wealth: Canada has vast natural resources including third-largest oil reserves, largest potash reserves, and 20% of world's freshwater, creating economic stability through jobs and revenue
- Future Growth Drivers: Data centers are emerging as a major opportunity due to Canada's cold climate and energy resources, while population growth aims for 100 million by 2100
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Its our Host Episode! We have our amazing meetup hosts provide us with some boots on the ground updates. We also look at RBC's latest housing market report, which shows growing optimism across Canada, with a national recovery expected in 2025.
- Surging listings in major markets
- Lower interest rates, and varied regional performance, with Alberta and Quebec showing particularly strong momentum while Ontario and BC expect modest growth.
- Connect with other investors and real estate professionals, and just overall great people at meetups across the country Come To A Free Meetup
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A deep dive into Rocket Mortgage's exit from Canada, highlighting how the Canadian banking system favours the Big Six banks. The episode also covers Hudson's Bay's creditor protection filing and CMHC's new MLI Select program restrictions, concluding with insights into Canada's most affordable cities.
Key Points:
- Rocket Mortgage's exit demonstrates how Canada's unique mortgage system and Big Six banks' dominance creates barriers for international competitors.
- Hudson's Bay, North America's oldest company, files for creditor protection amid retail sector challenges.
- CMHC implements sudden changes to MLI Select program, affecting investors' ability to bundle single-family home purchases.
- 8 of the 10 most affordable markets are in the same province
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The concerning decline in happiness among Canadians, particularly the youth, amidst a housing crisis that has significantly impacted affordability and well-being. Drawing insights from influential reports, we discuss the factors contributing to this trend and consider potential solutions, including the development of new cities to make housing more accessible.
- Canada has dropped in the world happiness index, with young Canadians (under 30) experiencing the steepest decline in satisfaction.
- Major cities like Toronto and Vancouver are among the least affordable in the world, with home prices soaring relative to income.
- Strategies for improving housing affordability may involve developing smaller cities to provide viable living options, rather than solely focusing on existing urban centers.
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The financial landscape is changing and thus, so are the challenges and opportunities in the real estate investing space. We look at 4 of the best ways to finance your deals in 2025 and beyond
- Vendor Take Back (VTB) financing strategies
- CMHC MLI Select program advantages
- The new Canadian government secondary suite loan program
- Owner-occupied high-value property financing (90% of $2M LTV)
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What is the reality of achieving passive income through real estate investing? We examine various real estate investment strategies ranked from most active to most passive, highlighting that true passive income often requires significant upfront work, systems, and team building.
- Most real estate investing is not initially passive - Despite popular belief, many strategies like property flipping, short-term rentals, and direct property ownership require significant active management.
- Spectrum of passivity - Investment strategies range from highly active (flipping properties, Airbnb) to moderately active (syndication, partnerships) to most passive (REITs, debt investments, MICs).
- "Who Not How" principle - To achieve true passive income, focus on building systems and teams rather than doing everything yourself, following the principle of "who can do this" instead of "how can I do this".
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A deep dive into the Canadian proptech industry's transformation, examining how despite funding dropping 62.5% to $300M in 2024, companies are emerging stronger with more sustainable business models. The episode explores successful case studies and the industry's shift toward practical, results-driven solutions.
- More than 530 proptech startups are now operating in Canada, with 80% concentrated in five major tech hubs
- The industry is split evenly between residential and commercial sectors (42% each), with 16% focused on construction
- Successful proptech solutions are showing concrete results: ParkChamp increased revenue by $1M in Calgary buildings, while EcoPilot achieved 10% energy cost reduction in Halifax
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The tariff drama continues, we go over which Canadian cities could be impacted & why.
- Ontario Manufacturing Cities Most Vulnerable: Five Ontario cities are among the top 10 most exposed to tariffs, with Windsor being particularly vulnerable due to its automotive sector. The auto manufacturing corridor employs over 25,500 workers across various facilities.
- Varying Housing Market Risks: Cities with higher housing prices like Oakville ($1.3M)and Brampton ($999K)could see larger impacts, while steel and aluminum cities like Saguenay ($315K)and Baie-Comeau ($225K)have lower price exposure.
- Sudbury Most Resilient: Despite $460M in U.S. exports at stake, Sudbury is identified as Canada's most resilient city due to its diversified mineral export market.
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As Millions of mortgages come up for renewal, we have been getting this question a lot. Fixed or Variable, whats the move for this year? We are joined by financial columnist and fellow Podcast Rob Carrick to discuss.
- Variable and fixed-rate mortgages are now at par after six BOC rate cuts, with the 5-year bond yield dropping significantly from 3.85% to 2.64%
- The Bank of Canada is expected to implement two more quarter-point rate cuts by July 2025, bringing the policy rate to 2.50%, with Big 6 banks forecasting even more aggressive cuts to 2.00-2.25% by year-end
- Market volatility is at levels not seen since 2008, with potential U.S. trade tensions and recession concerns creating an unpredictable rate environment
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We're joined by Jessica Moorhouse to discuss all things money, real estate, investing and success,
- Buying vs renting
- What a good relationship with money and success looks like
- Your "why" in business, investing & life & the concept of 'enough point', and how to find fulfillment beyond monetary success.
- The importance of homeownership; Buying vs renting
- A budget is essential for financial clarity and success.
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This is a discussion about five crucial real estate investment terms for 2025. Know these, understand these and utilize them!
- Location remains fundamental but has evolved - investors must now consider factors like tech hubs, remote work accessibility, and infrastructure beyond just traditional metrics.
- DSCR (Debt Service Coverage Ratio) is crucial for evaluating investment property viability, with 1.25 being a good benchmark to ensure sufficient income to cover mortgage payments.
- Mortgage renewals will be significant in 2025, with 1.2 million Canadians facing renewal - preparation should start 4-6 months in advance to negotiate better terms.
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The complexities of renting versus buying in Canada's current housing market, offering insights from both perspectives as a homeowner and strategic renter. We break down the financial implications, personal considerations, and market conditions that influence this important decision
• The true cost of homeownership extends far beyond the mortgage payment, including maintenance, taxes, and opportunity costs
• Higher homeownership rates don't necessarily indicate greater wealth - Switzerland's example shows renting can be part of a successful wealth-building strategy
• The decision between renting and buying should align with personal goals, financial situation, and long-term plans rather than societal pressure
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The U.S. is possibly implementing a 25% tariff on Canadian goods, with Canada announcing retaliatory measures including a $155B tariff package. This could lead to decreased exports, a weaker Canadian dollar, and higher import costs.
- Different regions face varying risks - Ontario's automotive sector, Alberta's energy industry, Quebec's aerospace sector, and BC's forestry industry are particularly vulnerable to tariff impacts.
- While the broader economy faces challenges, construction costs in Canada could decrease as materials originally meant for U.S. export get redirected to local markets at discounted prices, though this may be partially offset by Canadian retaliatory tariffs on U.S. building materials.
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We sit down with BMO's Senior Economist and Director of Economics, Rob Kavcic, to ask some tough questions:
- How does Canada's current housing market compare to previous corrections, and what's your outlook?
- How will the recent 25bps Bank of Canada rate cut impact real estate and the broader economy?
- Are rents decreasing currently? What's driving this?
- Given the price and rate changes, are we approaching the optimal buying opportunity?
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The "missing middle" housing represents a crucial opportunity in Canadian real estate, focusing on medium-density housing like duplexes, triplexes, and courtyard buildings that fill the gap between single-family homes and high-rise condos. The best opportunities lie in residential properties on major arterial roads in cities, where investors face less competition from first-time homebuyers. This development approach requires a comprehensive team, including legal, financial, and construction professionals, along with significant experience and capital
- Cities across Canada are changing zoning laws to accommodate missing middle housing, with Toronto specifically upzoning main roads to allow 6-10 units without site plan and up to 30 units with site plan
- The target market includes young professionals, younger families, and multigenerational households seeking alternatives to expensive single-family homes and small condos
- Success requires a strong project team, including expertise in multifamily underwriting, CMHC MLI select program understanding, and experience in construction and property management
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The Canadian real estate market enters 2025 facing key challenges: fluctuating rates, new laws, and economic shifts. As questions arise about recovery versus volatility, we'll explore market trends and opportunities through nationwide perspectives.
- The real estate market is experiencing tight inventory levels and improving prices, signaling a potential stabilization.
- CREA anticipates an 8.6% increase in residential property sales, fueled by anticipated interest rate stabilization and improved affordability.
- A notable uptick in market activity is expected, as real estate professionals and investors prepare for potential shifts in buying and selling dynamics.
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In this exciting episode, we take you behind the scenes of our visit to the CMHC headquarters in Ottawa, where we sit down with Chief Economist Mathieu Laberge for an in-depth conversation about Canada's housing market. From analyzing nationwide rent trends to discussing housing starts and the complex dynamics of supply and demand, this interview offers invaluable insights into the current state of Canadian housing.
Join us as we explore the latest data, reports, and expert analysis from one of Canada's most important housing institutions. Whether you're a real estate professional, investor, or simply interested in understanding the housing market better, this episode provides essential context and expert perspectives on the challenges and opportunities in Canadian real estate.
Featured Guest: Mathieu Laberge - Chief Economist and Senior Vice-President, Housing Insights at CMHC
Key Topics:
- National rent trends
- Housing starts and supply metrics
- Affordability challenges
- Supply and demand dynamics
- Latest CMHC research and findings
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The Canadian real estate market is facing significant transitions in 2025, with the Bank of Canada's policy rate at 3.25% and 60% of homeowners facing mortgage renewals over the next two years. National Bank forecasts potential rate cuts followed by hikes in 20261, while strong December job numbers cast doubt on anticipated rate cuts1.
- Capital gains tax changes are creating uncertainty, with the CRA moving forward with a 67% inclusion rate despite pending parliamentary approval1.
- Demographic shifts show seniors are now more likely to have mortgages than young adults, with 49% of mortgage debt held by those aged 45-64
- Variable-rate mortgages are expected to make a comeback in 2025 as interest rates trend downward, though economic indicators and potential U.S. tariffs could impact the market
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We examine whether foreign buyers significantly impact housing affordability and discuss the effectiveness of government measures like the foreign ownership ban. With insights into the top countries investing in Canadian real estate and a look at the opportunities Canadians pursue abroad.
- Impact Analysis: Evaluate how foreign investment influences housing prices and availability in Canada.
- Regulatory Measures: Discuss the effectiveness and loopholes of the Canadian foreign ownership ban.
- Global Investment Trends: Highlight the top foreign countries investing in Canada and the destinations where Canadians are investing abroad.
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Justin Trudeau announces his resignation as Prime Minister amid a housing affordability crisis, following his father's historic "walk in the snow" forty years ago. As housing costs and mortgage rates squeeze Canadian homeowners and renters alike, the Liberal Party faces record-low polling numbers. Potential successors Freeland, Carney, and Fraser must now address the party's troubled housing legacy and propose solutions to Canada's real estate challenges.
- Mark Carney's background in financial markets and monetary policy positions him as a strong contender to address Canada's housing market instability and mortgage affordability crisis
- The Trudeau government's housing initiatives, including the Home Buyers' Bill of Rights and attempts to curb foreign investment, largely failed to contain soaring real estate prices and rental costs
- As housing remains a top election issue, opposition parties are gaining ground with alternative housing platforms, promising to boost supply and address affordability through various policy measures
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Canada's rental market in 2024 saw record new construction and higher vacancy rates (2.2%), though still below historical averages.
New tenants faced 23.5% rent increases, while overall two-bedroom rents rose 5.4%. Despite more availability, affordability remained challenging as new construction focused on luxury units.
- Calgary led rent increases, while Toronto saw slower growth due to rent control and increased supply
- Calgary and Edmonton saw significant construction but longer vacancy periods
- Rent affordability remained a challenge, particularly in Ontario where payment delinquencies increased
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Despite current challenges, Canada remains positioned for growth, ranking among top G7 nations in GDP, population, and employment growth. Interest rates are expected to decline to around 2.25% by spring 2025, with the Bank of Canada aiming for a soft landing. The real estate market shows signs of recovery across various sectors, with investment volumes projected to reach $48 billion in 2025.
- Immigration policy changes will moderate economic growth, with temporary residents reducing from 7% to 5% of the population
- Commercial real estate shows sector-specific trends: office spaces prioritizing experience, retail expanding to secondary markets, and industrial market working toward normalization
- The investment market is projected to recover with improved sentiment and increased lending activity, though with more conservative underwriting approaches
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We look at how PropTech (property technology) companies are moving from Canada to the US market. A close look at how much bigger the US market is - with $24.7 trillion in commercial real estate and $88.9 trillion in residential real estate.
- Canada offers a strong foundation for PropTech companies with its robust education system, skilled talent pool, and favorable immigration programs that foster a thriving tech ecosystem
- The US real estate market is over ten times larger than Canada's, but the residential mortgage market is only 6.4 times larger, indicating Canada's higher home price-to-income ratio
- Successful expansion requires careful market selection, strategic partnerships, and focusing on customers with high growth potential
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Canadian real estate is showing recovery signs, with November sales up 2.8% and the first price increase in 18 months, but will it last? Winter activity has increased due to lower rates and mortgage reforms, though the recovery remains vulnerable to economic uncertainties.
- Sales-to-new-listings ratio rose to 59.2% in November, with inventory dropping to 3.7 months, indicating a tightening market favorable to sellers
- Ontario and British Columbia saw significant price drops since 2022 peak (-20% and -11% respectively), while Atlantic provinces showed strong growth
- Spring market performance will be crucial, with potential headwinds including economic downturn fears, slower population growth, and job losses
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This episode explores the varying lifespans of different building types, from historical structures lasting 500-1,000 years to modern commercial buildings lasting 60-80 years. It covers the economic life of buildings, including factors like location, property type, and market conditions that influence their viability.
- Building materials and construction quality significantly impact longevity, with concrete structures lasting around 100 years and steel structures lasting 100-150 years.
- The economic life of a building depends on multiple factors including location, property management, and market conditions, affecting its ability to generate revenue over time.
- Regular maintenance and understanding of depreciation are crucial for extending a building's lifespan, with various components having different life expectancies, from 15 years for paint to 100 years for masonry.
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The Emerging Trends report, collaboratively produced by ULI and PWC with 175 contributors, provides comprehensive insights into various markets and asset classes across Canada. While some markets struggle with high interest rates and construction costs, others like Calgary and Edmonton are benefiting from strong population growth and relative affordability.
- Toronto's condo market faces its "toughest challenge in decades" with record-high unsold inventory of 25,893 units and numerous delayed projects.
- Calgary leads as the top real estate prospect for 2025, driven by strong population growth (87,000 new residents) and economic diversification
- Secondary markets like Edmonton, Saskatoon, and Winnipeg are gaining attention for their affordability and growth potential, with Edmonton ranking 4th for overall real estate prospects in 2025
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The Bank of Canada has made its 5th consecutive rate cut, dropping rates by 50 basis points, creating a 150bps differential with US rates - the largest since 1997. While the housing market shows increased activity without price inflation, there's disagreement between former governor Poloz and current governor Macklem about whether Canada is in a recession. A recent poll shows Canadians prefer a strong dollar (61%) over lower interest rates (39%)
- The housing market is experiencing increased activity without price inflation, which the Bank of Canada views as a positive development
- Former BoC Governor Poloz believes Canada is in a recession, while current Governor Macklem maintains the economy is still growing, though slowly
- Current market conditions present opportunities for investors with falling prices and rates, but come with risks of declining rents and increasing unemployment
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This podcast episode features interviews from the 2024 Ontario Home Builders' Association Annual Conference in Niagara Falls with key figures in Ontario's home building industry, including conversations with the regulator responsible for consumer protection, builders, and other industry leaders. The interviews include discussions with Wendy Moir (CEO of HCRA), Mike Memme (Chair of OHBA and Co-Owner & Operations Manager of Mountainview Building Group), Scott Andison (CEO of OHBA), Dave Depencier (Past Chair of OHBA and Owner & President of Depencier Builders), and Miyoko Oikawa (Senior Manager, Stakeholder Liaison and Technical Services at OHBA).
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We explore the concept of rent-to-own real estate in Canada, comparing it to car leasing and explaining how it bridges the gap between renting and owning property.
- Rent-to-own offers two main agreement types: a lease option agreement where tenants have the choice to buy, and a lease purchase agreement where they're obligated to buy at the end of the term
- The typical structure includes an upfront option fee (1-5% of home price), monthly rent payments with a portion going toward the future purchase, and a predetermined purchase price
- This strategy is particularly beneficial for people who can't qualify for traditional mortgages due to insufficient down payment, low credit scores, or non-traditional income sources
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We explore critical challenges facing the real estate market and broader economy. From housing affordability concerns to visa expirations and commercial real estate trends, these developments are reshaping the Canadian market in significant ways, oh and will Canada become the 51st State?
- Housing affordability remains a major concern, with projections suggesting no significant improvement until 2035
- A potential demographic shift looms as visa expirations could lead to significant population changes
- The commercial real estate sector is experiencing a transformation, with a shift towards asset management and ongoing challenges for Vancouver developers
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Josh Findlay of BLD Financial serves mid-sized real estate developers executing projects in the $2M-$10M range in Canada. We discuss CMHC policy impacts, the MLI program's focus on energy efficiency and affordability, and emphasizes the need for sophisticated investment strategies and expert support.
- The $2M to $10M market is underserved by traditional banks, creating a significant opportunity in this "missing middle" segment
- CMHC policies are constantly changing and impact financing options, requiring ongoing attention to policy updates
- Risk management is crucial when dealing with high-leverage projects, emphasizing the importance of careful financial planning
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What are Development Charges (DC's) and what is the actual impact on housing & the economy. We are also joined by Matt Young of Republic Developments as an expert and advocate of DC's.
- Development charges are fundamental fees collected from developers to fund municipal infrastructure
- These charges have risen dramatically and are significantly impacting housing affordability
- The government is a major beneficiary, collecting substantial revenue through various taxes and fees on new home construction
- High development charges actively discourage builders from constructing new homes, affecting housing supply
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You may have heard of them, or maybe as a landlord, you've tried one, or as a tenant you’ve been on the receiving end of a renoviction. Thats renovation + eviction = renoviction. But what are they & why are we hearing so much about them right now.
- Good Faith Vs Bad Faith Renovictions
- The laws and bylaws being passed around the country
- Rent Control Vs. Vacancy Decontrol
- The case for Landlords & Tenants
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The Canadian real estate market showed significant recovery in October 2024, with home sales reaching their highest level since April 2022 and we hear from our host across the country for boots on the ground updates
- Market conditions vary by region, with Edmonton and Montreal emerging as the hottest markets while Toronto's condo market faces challenges
- Key highlights:National average home price rose to $696,166, up 6% year-over-year
- Inventory levels dropped to 3.7 months nationally, the lowest in over a year
- Interest rate cuts from Bank of Canada (125 basis points) have helped boost market momentum
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We are joined by Alkarim Devani of RNDSQR & MDDL, to talk all things Missing Middle!
As the co-founder of RNDSQR for almost a decade, Alkarim demonstrated his vision through numerous projects, including hundreds of middle housing developments and mid-rise buildings with heritage restorations, comprising over 200+ units.
In his new role as co-founder and CEO of MDDL, Alkarim is leading efforts to educate, empower, advocate for, and mobilize an ecosystem across Canada to support the development of middle housing in a simplified, transparent, and sustainable manner.
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The breakdown on the most recent CMHC report
- Shorter mortgage terms gain popularity as borrowers anticipate future rate cuts, with over half of new mortgages opting for shorter fixed-rate terms
- Canada faces significant risks with 1.2 million mortgages set to renew in 2025, potentially causing financial stress for homeowners transitioning from historically low rates
- Rising delinquency rates in non-mortgage credit products serve as early warning signs of broader financial stress among Canadian households
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We cover updates with our event hosts from across the country as well as the CREA updates,
- Canadian home sales increased 1.9% month-over-month in September 2024, reaching the highest level since July 2023, with a 6.9% year-over-year increase.
- New listings grew 4.9% month-over-month, resulting in a more balanced market with a sales-to-new listings ratio of 51.3% and 4.1 months of inventory.
- The MLS® Home Price Index rose slightly by 0.1% month-over-month, while the national average sale price increased 2.1% year-over-year to $669,630.
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The potential impacts of Donald Trump's recent election victory on Canadian real estate and the broader economic landscape. As the political winds shift south of the border, we explore how this change in U.S. leadership could ripple across various sectors in Canada.
Join us as we break down the key areas of concern, including:
- Trade relations and tariffs between Canada and the U.S.
- The revival of energy projects like the Keystone XL pipeline
- Immigration trends and their effect on Canadian real estate markets
- The potential for increased military spending and its impact on certain Canadian cities
- Changes in global market dynamics and their influence on Canadian bonds and currency
We'll cut through the noise of political rhetoric to focus on the real-world implications for Canadians, especially those in the real estate sector. Whether you're an investor, homeowner, or simply curious about how international politics can affect your daily life, this episode provides valuable insights and analysis.
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We dive deep into the latest developments shaping Canada's economic and housing landscape:
- Immigration policy shifts: Examining the potential economic impacts of reduced immigration targets and their effects on the housing market
- Housing market dynamics: Analyzing proposed tax changes, including the removal of GST on new homes, and their implications for homebuyers and builders
- Regional housing trends: Exploring the surge in housing starts in Alberta and comparing it to other major Canadian markets
- Rental market challenges: Discussing the rise of fraudulent rental applications in Toronto and strategies for both landlords and tenants to navigate this complex situation
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Saving for a down payment on a house in today’s market can be challenging, but we’ve got you covered. Dan is joined by Simon from The Canadian Investor Podcast in this part one of two episodes.
They break down essential strategies and tools for first-time home buyers, including how to make the most of the First Home Savings Account (FHSA), TFSA, and RRSP Home Buyers' Plan.
They explain how each account works, their tax benefits, and how to combine them to maximize your down payment.
Listen to Part 2 here:
Part 2 - Spotify
Part 2 - Apple Podcast
Part 2 - Web player
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We are live at the OHBA conference in Niagara Falls! Joined by Dave Wilkes, President and CEO at Building Industry and Land Development Association (BILD), Bob Schickedanz, past OHBA president & partner Farsight Homes & Kirstin Jensen, VP of Policy, Advocacy & Relationships.
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Bob Schickedanz
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We explore the five crucial preparations you need before diving into real estate investment. From understanding your personal motivations to building a power team and developing a capital strategy, we provide a comprehensive guide to ensure success in the real estate market.
- Define Your 'Why': Establish your personal motivations and goals to stay focused through challenges.
- Craft an Investment Thesis: Develop a clear, strategic plan tailored to your strengths and desired outcomes.
- Build a Power Team: Surround yourself with experts like agents, accountants, and contractors to support your journey.
- Develop a Capital Strategy: Align your financial resources with your investment goals and explore creative financing options.
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We analyze the Bank of Canada's recent decision to cut interest rates by 50 basis points, bringing the overnight rate to 3.75%, and its implications for the housing market.
- The Bank of Canada's significant rate reduction aims to support economic growth and manage inflation, but fixed mortgage holders may not see immediate benefits due to already priced-in rate cuts.
- Housing demand and prices remain complex, as rate reductions impact supply more than demand, with affordability challenges persisting despite lower borrowing costs.
- Recent CMHC policy changes allowing higher insured mortgage caps could expand purchasing power and influence market dynamics, particularly for first-time homebuyers in higher-priced segments.
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We explore the concept of owner-occupied commercial real estate, discussing its potential as a strategic investment for business owners looking to buy their workspace. Which businesses are best suited for this approach, the benefits and challenges it presents, and how financing for these properties differs from traditional methods.
- How Owner-occupied commercial real estate offers unique investment opportunities for business owners
- The key benefits and challenges include financial thresholds, potential exit strategies, and tailored financing options.
- Understanding the roles of realtors and bankers is crucial in navigating the process of purchasing these properties.
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In this jam packed news episode we cover a lot of ground, including:
- CREA policy investigation & tougher GTA building permits,
- Slowest rent increases in three years, and potential for low mortgage rates and prices.
- Canada’s slower inflation rate and China’s new overseas tax on ultra-rich impacting real estate.
- Record market share by Canadian real estate investors with concerns over market risk and speculators' exit strategies.
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We are joined on the show by EQ bank to tell us all about their new innovative banking product specifically for laneway and garden suites.
- Who is this product for?
- A step by step guide on how to apply and use this financing
- How appraisals impact the process
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There are been some very big announcements recently in the mortgage space for adding units, we go through them and tell you everything you need to know....so far
- Canada's new refinancing rules allow up to 90% LTV for adding secondary suites.
- Impact on Homeownership: Changes enable creative financing for "house hackers" to add units and leverage equity.
- Concerns and Criticisms: Discusses risks of mortgage fraud, capital gains tax, and effects on property values and debt.
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How challenging is it to secure deals with MLI Select, a program offering reduced premiums and longer amortization based on your commitment to affordability, accessibility, and climate compatibility? Does it truly deliver on its promises?
- How the point system determines eligibility based on affordability, efficiency, and accessibility.
- Examining the pros and cons, including long-term affordability commitments.
- Key steps for developers to successfully apply and secure MLI Select financing.
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We are joined by Scott Terrio who is a Certified Credit CounsellorManager, Consumer Insolvency, he to chat with us about a scary subject right now, bankruptcy in Canada
- Bankruptcy Overview: Analyzing real estate bankruptcies: Who's most affected?\
- Economic conditions: 2017 vs. now
- Financial Decisions: Bankruptcy vs. alternatives
- "House ATM" impact on investors
- Recovery Steps: Post-bankruptcy financial repair & Rebuilding financial stability
See more about Scott Here https://www.hoyes.com/about-hoyes-michalos/bankruptcy-trustees/scott-terrio/
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CMHC updates and CREA stats - plus we hear from all our meetup hosts and their market conditions.
- Despite recent interest rate cuts, the Canadian housing market remains stagnant, with national home sales showing only a modest 1.3% increase in August but down 2.1% year-over-year.
- New property listings are up by 1.1% but remain below historical averages, contributing to a balanced market where supply and demand are steady but not dynamic.
- The MLS® Home Price Index indicates flat housing prices from July to August, with a 3.9% decrease year-over-year, as buyers await further price drops and increased affordability from interest rate cuts.
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We are joined today by the CEO of Greybrook, Sasha Cucuz, who shares his thoughts on the market;
- Sasha Cucuz shares insights into recent market volatility, highlighting factors like fluctuating interest rates and changes in consumer sentiment.
- Evaluation of the Bank of Canada's efforts to engineer a "soft landing" with interest rates and their impact on real estate activity.
- Importance of addressing supply-side challenges in Canadian housing to solve the affordability crisis.
- Sasha's recommendations for investors: focus on finding capable partners and leveraging expert advice instead of a DIY approach.
Learn more about Greybrook
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We are honoured to be joined by Ethan & Elizabeth, partners & founders of cheap old houses - at this point, world famous for finding the best houses at the best prices and using love, skill and passion to bring them back to glory! we discuss,
- Great houses tell stories and evoke inspiration.
- What draws viewers or buyers to certain properties.
- The ongoing housing crisis across North America.
- Evaluating properties for timelessness, including considerations of wastefulness, character, and renovation potential, especially in restoring cheap old houses.
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We’re going to cover a few articles and reports today:
- 'We’re definitely not going to an old-age home’: Why seniors aren’t downsizing their homes and what it means for Toronto’s millennials
- “Canadian university cities facing surprising rental market downturn”
- “Canadian universities see international students' enrolment down 45 per cent after rule change. 'The system is just hanging on’”
- A report from Equifax that states that millennials are living at home longer and are most at risk from the economy
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Breaking news in the Mortgage world with some major changes on the horizon. But what do they mean? How will they take shape in the market?
- Ottawa to expand 30-year amortizations
- Increasing the insurable amount by 50% from $1M to 1.5M
- First Time Home Buyers & Investors
- Will these rules increase affordability
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In a world where deals are harder to come by - we are always looking for those creative ways to make them work....this is one of the best ways;
- What is a Vendor Take Back Mortgage?
- How Does a VTB Work?
- Benefits for Sellers & Buyers
- Common Scenarios for VTBs
- Risks and Considerations
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For real estate investors, leveraging mortgages is crucial for maximizing investment returns and optimizing cash flow. A deep understanding of financing options through mortgages can significantly enhance investment strategies, allowing investors to expand their portfolios efficiently.
- Have you ever wondered what goes on behind the scenes when securing a mortgage?
- What exactly are the roles and responsibilities of a mortgage agent,
- How do they secure the best deals for their clients? And can you save money by working with one?
- What kind of income can a successful mortgage agent expect
- What educational path is required to enter this profession?
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GDP growth, government spending, upcoming elections in Canada and the US, and how these things might factor into picking a market to invest in.
- The government is spending billions of dollars to make the economy look good, and it could have a massive impact on real estate in Canada
- a “ME-cession” rather than a “we-cession”
- Government cities tend to be more resilient during recessions for several key reasons
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We are diving into a new federal initiative aimed at tackling Canada's housing crisis. The government has announced 56 properties for conversion into affordable housing. We'll explore the implications and potential impacts of this plan.
- What does it mean for the housing market and affordability nationwide??
- Could this be the key to solving the housing crunch?
- Why do people seem upset and concerned about this?
- What is the governments real estate portfolio made up of and what types of buildings are these?
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Cap rates for different cities can provide valuable insights into potential investment opportunities. Here's how they can help you understand which cities might be better for investments:
- Return Comparison: Higher cap rates suggest better potential returns.
- Risk and Stability: Higher cap rates come with more risk; lower rates suggest stable markets.
- Trends: Changing cap rates can indicate market growth or maturity.
- Yield: Higher cap rates provide potentially higher yields.
- Market Efficiency: Lower rates may imply competitive markets; higher rates can suggest undervalued opportunities.
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Zoning is a crucial component of urban planning as it helps to guide the development of land and ensure the appropriate use of land for various purposes. If you're interested in investing in real estate, understanding zoning laws is essential. In today’s episode, we aim to answer the following questions:
- What exactly is zoning?
- How were the types and categories historically formed?
- What is the process of zoning, how are decisions made, and what are the financial benefits?
- What are some recent changes in legislation that support zoning?
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Recent reports show some positive changes in two significant areas: inflation and housing starts. This begs the question: have things shifted? Have we hit the bottom and are now beginning the slow and long journey back out of the mess we found ourselves in?
- Why is inflation falling, and what does it mean for the Canadian economy?
- What does cooling inflation mean for the rate environment?
- Does this mean we will see more housing being built?
- Activity in the mortgage market and the impending doom of the renewal wall
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We cover the most recent CREA report and look at markets across the country
- The biggest price increases & decreases in markets
- Buyers markets vs sellers markets
- Whats coming in the fall?
- Host updates from across the country
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A topic that’s as relevant now as it was during the dark days of the global financial crisis…Bankruptcies!
- Real estate developers facing an increasingly harsh financial climate,
- More than 300 Canadians filing for bankruptcy each day,
- How Canadians could walk away from their homes if house prices fall,
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From the time you wake up in the morning, you are bombarded with information and faced with making decisions. In fact, people make approximately 35,000 decisions per day!
Some decisions can be as simple as choosing which shirt to wear to work, while others are more complex, like deciding whether to move forward with a new career opportunity.
- Why We Feel Analysis Paralysis: Tips & Tricks for Overcoming It
- Gall's Law & The Paradox of Choice
- Experienced Investors vs. New Investor Challenges
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The condo market, which is clearly in recessionary territory, has conditions deteriorating to levels not seen in decades. What makes the situation more challenging is the role of investors in the presale market, which have made up to 70% or more of buyers.
- Challenges for preconstruction and resale condos in certain Canadian markets.
- Condos are a major challenge in Canada’s real estate and economy.
- Comparison of condo market with detached housing market.
- Evaluation of investment types: preconstruction, resale condos, and detached homes.
- Insights from a CIBC and Urbanation report discussed.
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The Bank of Canada has cut interest rates for the second time this year, on July 24th it cut 25 basis points. It cut its benchmark interest rate for the first time in four years back on on June 5 of this year. There are so many more questions to ask in this volatile, interest rate sensitive economy, such as
- why are they cutting
- what does this cut mean for buyers, sellers and mortgage holders
- Are there more cuts to come & if so, when
- and why we are seeing rate cuts and is that a good thing for Canadians?
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American or Canadian, it was the so-called “dream” in this part of the world for a long time to one day own a home. In this episode, we’ll look at:
- The affordability of Canadian vs. American cities
- Many Canadians thinking of a potential move, or at least an investment, south of our border
- Median incomes across North America and the cost of living
- Where the next real estate opportunities are
- And, once you have made it into the housing market, is it worth it?
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We cover top news stories and breakdown the important facts;
- why are roommates the fastest growing housing type in Canada
- What type of housing we should be building
- Interest rates and CMHC predictions
- the fastest path to homeownership for young Canadians
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In today's podcast, we're diving deep into the heart of Canada's real estate market! After a challenging year, an interest rate cut by the Bank of Canada has sparked a 3.7% rise in national home sales in June 2024.
While some markets, especially Ontario, are struggling, the rest of the country seems to be beginning a recovery.
Hear that from across the country with our newest segment where we have our national market experts weigh in - now you can here from people across the country and there specific markets
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Planning on being a landlord for the first time? Or maybe you're expanding your portfolio? If this sounds like you, listen to these questions and considerations before you buy your deal,
- Thesis, Timing, Financials,
- Mortgage, Location, Power Team
- Future Proofing, Tenants, Asset Management
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We look at OSFI's report on the biggest financial risk for 2024-2205
- Current risk environment Elevated interest rates and market uncertainty
- Real estate secured lending and mortgage risks
- Rising household debt costs
- Credit stress and changing depositor behaviour
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One of the most highly debated and constant questions we get,
- Overcoming the social stigma of renting
- Mortgage payment % premium over rent
- USA VS Canada - rent vs buy
- How TMI affects buying
- The real numbers behind renting & buying
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We cover a range of subject, including
- Why might a surtax be a good idea or bad idea?
- Modern Monetary Policy explained
- capital gains and the 1031 exchange
- MPAC Value Assessments
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We cover two Desjardins reports and try to answer some tough questions,
- How do skyrocketing construction costs impact the market & will these costs come down?
- When will housing become affordable?
- could rate cuts be the silver bullet to revive our economy?
- is now a good time to get involved in the housing market ?
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In todays episode we are covering a report that provides some valuable insights and tries to answer some tough questions
- How did we end up in this housing crisis
- What are the most affordable and least affordable markets & how did they become this way
- what is the greatest driver of these increased costs & how does Canada compare to the like of Australia, New Zealand, The USA & the UK
- we also look at a list of the most livable cities in the world, Canada makes some appearances and Toronto exits the top 10
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A deep dive into Saskatchewan with special guest Carla Brown
- Saskatchewan benchmark home price is $340,400.Compare that to the national average Average Sold Price$699,117
- What do you see as the biggest opportunities in the Saskatchewan real estate market right now?
- How we anticipate the Saskatchewan market will change in the next 5-10 years
- how do people build out the systems to properly invest out of province
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If you own a rental property, or are a self-employed worker or an entrepreneur, this strategy could help you pay less tax, according to some articles from Canada’s Big Banks we’re going to cover,
- Who is cash damming for?
- How does cash damming work?
- Advantages and risks
- Maintaining interest deductibility
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In this news episode we cover;
- Are people going back to work? we look at the occupancy levels for downtown Toronto to see whats happening, how does downtown canada match up against US cities
- Manulife chief economist says it is going to take at least a decade before housing in Canada gets to affordable levels
- We look at Development charges and the cost to build a home VS. what the government wants them to be sold at to hit affordability metrics
- & finally we look at the 10 most affordable markets to buy a home in Ontario
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Have you ever wondered what the world is curious about when it comes to real estate? From first-time homebuyers to seasoned investors, people are turning to Google to find answers to their most pressing questions. And in today's episode, we're uncovering the most Googled real estate questions, providing you with insights and and our takes on the answers,
- How do I buy a house & much can I afford?
- What is a mortgage, and what are the current interest rates?
- We also dive into buyers & Sellers markets ,
- The home inspection process,
- Improving your credit score, understanding closing costs
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Reporting Live from the OHBA conference in Ottawa we are joined by Dr. Mike Moffat to discuss,
- The Missing Middle, challenges & opportunities
- Development policy and development charges ( Dans posts)
- We talk about Twitter Drama
- The CMHC housing catalogue and financing options
Mike Moffatt
Learn more about the OHBA
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In this news episode we look at a few key stories,
- The PM says housing needs to retain its value
- Canadas expected to see more rate cuts that any other advanced economy
- CMHC is concerned about Canada crisis level mortgage bond buying
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We look at story of Canada's MURB program. From its lofty beginnings to its tumultuous end, we’ll explore how this initiative transformed the housing landscape, benefitted some, and left others wondering what went wrong.
We look at the historical background of MURBS, how the program worked, the good things that came from it and the bad things that may have shut the program down as well as what we can learn from that program to tackle todays housing crisis.
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A Historical Perspective on Canada's Real Estate Housing Market
- Is This the End of a Market Cycle?
- The Economic Cycle & The 80's, the 90s, GFC
- What Can We Expect in Canada’s 2023 Real Estate and Housing Market?
- Where Does the Bank of Canada Stand Today?
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We are joined by Natalka Falcomer of Houseful to chat all things real estate market, utilizing technology, building brokerages and AI.
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We look at a billionaire, who’s back by some of the worlds super rich, who has a crazy idea on how to solve the housing crisis.
this isnt first to attempt at this feat, Egypt , you know, pyramids, the nile river, all that good stuff, well, there major city Ciaro, with 22 million people, has major housing challenges and thats why their government along with private partners is building a whole new capital city, or trying to at least.
China, has built more than a few cities out of thin air as well, lots to get into, this is a fascinating episode, But before we get into the show, lets read a quick review from one of our amazing listeners.
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We are joined by Vince Gaetano,
- How MIC's operate and what returns they are getting
- Multiplexing in Toronto, 1unit to 4 or 5
- What young people should be doing in this economy
- Stories & lessons from the eerily similar 1990s recession
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Blackstone is the world’s largest alternative asset manager, with $1 trillion in assets under management . They serve institutional and individual investors by building strong businesses that deliver lasting value. They have some serious scale – with 12,500 real estate assets and 230+ portfolio companies.
But how did this company start? Why is there a blackstone and a blackrock, and whats the difference between the two.
We’ll also look at the man running the show at Blackstone, the CEO, who made over $296 million in 2022 alone, and the lessons that we can learn from this company and its leaders,
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We look at recent survey conducted by CMHC which is full of great data and insights, The state of homebuying in Canada
- at what buyers and seller are doing
- what mortgage products people are taking, renewing vs buying
- how much it takes for a down payment and we finish off with home renovations and some amazing green rebates that are avaliable,
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We look at the housing plan and pull some of the biggest opportunities from it. We discuss the new proposed capital gains tax and some strategies that you can use, as well 5 of the things you need to know from the housing plan,
- That one - Accelerated capital cost allowance for apartments
- Offering low-cost financing for homeowners to add additional suites
- Further incentivizing density to existing homes
- Modernizing housing data
- Helping municipalities legalize housing and streamline approvals
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We are looking at inventory, thats the number of homes currently listed on the market. We also look at whats happening in the rental market and we touch on something we actually haven't spoken about in a while…rate cuts, or rather, the possibility of when we are going to see the first rate cut, what that means for Canadians and real estate investors
& finally, if you want to leave Canada, you're not alone, over 4 million Canadians have left in the past several years and our current government wants to put a stop to that, but that manner in which they have proposed to do so is getting some serious backlash, But is it even real?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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We are going to go over the Who What When Where & Whys and How of Attending Events.
- You can potentially find deals, clients, partners and more
- Meet power team members & build meaningful relationships and even find potential partners. You can find mentorship, or become a mentor to someone, or be the person to connect two people that can help one another.
- You Learn about new technology, new systems and processes, and even meet the people that have founded these companies.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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In this episode we look at what capital gains is, a bit of a history on Capital gains in Canada, the recent changes made to the tax, why the government would do this and how if the effect Canadians as a whole and more specifically, investors, and even more specifically, real estate investors.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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Simon (our podfather) from the Canadian Investor Podcast joins Dan to discuss stocks vs. real estate. If you're looking for the first part its on the Canadian Investor Podcast.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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We cover the Housing Supply Report that CMHC just released, we cover the most important parts,
• housing starts in 2023 by housing type
• government programs aimed at increasing rental supply
• prolonged construction timelines caused by various supply-side challenges
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Have you ever Netflixed & chilled? well we have. it was research for this episode. We had April & Sarah from the June Motel on the show & it was awesome.
- friendship and navigating the waters of going into business with a friend,
- strategically using social media to build their business
- and of course we look at Building a business in real estate and how it caught the attention of a little tech company known as netflix and how that has changed the trajectory of their lives, their businesses and whats next for these two impressive moteliers
Go follow the June Motel on Instagram here and make sure to book your stay at one of there amazing locations.
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We look at some changes in the mortgage market that could really make things harder
- 30 year mortgages - will they help?
- OSFI's new leverage rules for lenders
- CRA direct links for your mortgage
****OFSI has released a new statement since we recorded this episode that this change applies to bank portfolios, not individual portfolios, and we will record and release an updated commentary soon.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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We don't get political on the show, but when given the opportunity to interview the two main ministers in charge of housing in this country, you take it.
Please, sit back, buckle up, and enjoy back to back interviews with Minister of Housing Sean Fraser & Scott Aitchison, Shadow Minister for Housing as we ask tough questions on the new housing plan.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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To best prepare you for the spring market, and the changing market conditions in the real estate industry and the general Canadian economy, here is a list of the terms that you need to know if you plan on buying, selling, investing or even just keeping up with the market this year
- Vendor Take Backs & Power Of Sales
- Deposit vs. downpayment & closing costs
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A very impressive team of people Friends of the show, have created their own blueprint, Its called the blueprint for Blueprint for More and Better Housing,
- The 4 main goals outlined in the blueprint were to make it low carbon, make it resilient, make it affordable and make it scale.
- How each level of government can allow more housing to be built
- Density, building codes, zoning, prefab & more
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In this episode, Dan & Nick talk about life before the podcast,
- Their backgrounds in real estate and entrepreneurship
- How they started the podcast and the businesses built around it
- How the Pod changed their lives and whats next
- THANK YOU!!!
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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The increase to the budget deficit was largely caused by slowing economic growth projections leading to lower tax revenues, but also due to an expected drop in revenue caused by the federal cap on international study permits
- Ontario deficit will triple as economy weakens, 2024 budget shows
- The 'renters' bill of rights' that was just announced, This bill, specifically geared to help younger people, aims to help protect those who rent their homes
- Remeber hitting the 40 million mark in June of 2023, well, less than a year later we are officially at 41 million
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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We look at a report from Real Estate Group Royal Lepage that sheds light on how many Canadians currently invest in real estate and how many plan too,
We also cover the Canadian Real Estate Association, better known as CREA, and their market report and statistics.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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These two are epic in so many ways, their impact on the investing community, the annual shareholders meetings, but also they idioms, anecdotes, investing lessons and principals,
We’ve gathered some of our favourites here and we are going to go through them and apply them to real estate investing.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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The Canadian federal government will, through the Bank of Canada as agent, purchase $3.75 billion of 10-year duration Canadian Mortgage Bonds (CMBs) in a syndicated transaction.
- What are CMB's ( Canadian Mortgage Bonds) and MBS's (Mortgage Backed Securities) ?
- How the government plans on using these bonds
- Foreign capital leaves Canada and we are almost at 41 million people
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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A recent report from Abacus Data that measured The Canadian Public Outlook for the Rest of 2024: Housing, Personal Finances and let me tell you some of it is not so pretty
15 cities in Canada had 50 per cent of list prices at more than $1 million, we go through the list.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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New affordable housing developments in British Columbia, the only catch they are 330 sqft and still very expensive
- $1,600 for the equivalent of 2 parking spots
- Ontario contractors expectations for 2024 - for labour, technology, their concerns and general outlook
- Toronto smashing its housing construction targets by 51% and As a reward, Ontario is giving the city $114 million in funding.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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In this jam packed news episode we cover,
- Mortgage delinquencies & business insolvencies
- Should municipalities be able to compel builders to use land? construction and development report with some surprising numbers.
- a list of places across Canada that have major incentives for you to move there, including selling properties for only a dollar,
- Dan shares a story the newest page on the Financial Consumer Agency of Canada, otherwise known as FCAC’s website titled - Paying your mortgage when experiencing financial difficulties - Dan tells, us a little about the website, why the page is there and what it has on it, then what happened after he made some content on it,
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We go over the top buyers markets in the country, but we also look at what determines a buyers market, a sellers market and if its a good time to buy real estate in any of these markets,
- Buyers and sellers market
- Sales to new listings ratio & months of inventory
- In depth looks at the top 25 buyers markets
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We dive into the recent CMHC rental market report,
- Supply & demand metrics in all major markets
- Which cities have the highest arrears
- Where has rent risen the fastest and vacancy rates across the country
- The purpose built rental market vs the condo market
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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We are joined by by author & journalist Gregor Craigie to discuss his book and reasearch, Our Crumbling Foundation: How we solve Canadas housing crisis.
- Late stage housing cycle
- The human cost of housing
- Its going to get worse for the next few years
Follow Gregor on Twitter @GregorCraigie
Purchase Our Crumbling Foundation
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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Real estate rent and home prices are forcing Canadians into doing some crazy things
- People are living in a hotel instead renting, because its cheaper
- Canadians are travelling across provinces just to be able to make do
- Is living on a cruise ship actually cheaper than rent?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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HSBC is in trouble again, this time with mortgage fraud - half a billion dollars worth.
- Whats going on with the banks & the bad loans
- New FINTRAC regulations for Anti Money Laundering for brokers & developers
- Are rate cuts off the table? - Canada’s job numbers vs Inflation & whats next
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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In today's environment, there are numerous obstacles to new commercial real estate development opportunities. These include escalating borrowing rates, stricter banking regulations, increasing insurance costs, and geopolitical risks, among others. Additionally, a significant constraint to development is the rising cost of construction.
- Key building materials like concrete and structural steel have gone up by 55% and 53% respectively since Q1 2020
- We have a massive skilled trades shortage, for example only 455 skilled trades came in out of 500k new immigrants
- Solutions for investors
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The only certain things is life - Death & Taxes - we are going to be talking about all things property taxes, what you need to know about them, why they exist, what they are based off of , how to pay them and more
- sale, cost & income approach
- the highest & lowest areas for taxes
- why taxes matter to investors
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We do a deep dive into the absolute mess that has become student rentals and what the future of this profitable investment vehicle is,
- Ontario colleges increased enrolment on average 240%, with some growing in the thousands of %
- Queens University has a major deficit and is reliant upon international student
- RCFI Let universities be part of the solution to Canada’s housing crisis
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We look at what every investor should be doing, new or veteran;
- Educating yourself & writing business plans
- 3 great ways to great value
- Must know financing options & solutions
- How to execute something
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We are joined by Samantha Sanella, a senior managing director at Cushman & Wakefield who discusses the amazing report she helped produce on single family investments
The evolution of the $4.4 trillion single-family rental (SFR) sector in the United States serves as a case study to demonstrate how conversions of individually owned single-family homes (SFH) to institutionally owned rental units can provide a dual benefit to renters and investors alike. This strategy creates quality rental housing options for tenants and can generate predictable, recurring cash flows for investor-owners.
Find more about Samantha here
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We are joined by @millennialmoron to get his take on the what is wrong with Canadian Real Estate
Find him on instagram & tiktok @millennialmoron
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In a new report by Cushman Wakefield they present the evolution of the SFR sector, compares the U.S. and Canada (specifically Ontario), identifies transferable SFR strategies, and explores opportunities to approach the Canadian market differently.
- single family rental strategies
- converting, renovating, and densifying single-family home residential properties
- Layering on a densification strategy to the acquisition-and-rehabilitation of residential properties via Accessory Dwelling Units (ADU) or substantial renovations can enhance investors returns.
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This 10-year, $82+ billion plan was launched in 2017 with the aim of providing more people in Canada with access to safe, affordable, and inclusive housing, but has it accomplished its goals?
- Goal is to reduce or eliminate the housing need for 540,000 households, create 160,000 new housing units, renew and repair 300,000 homes, and protect and expand 385,000 community housing units by 50,000.
- the Multi-Unit Residential Building (MURB) program
- $48.3B New construction / repair or renewal of housing supply
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The who what when where & why of networking events,
- How to get the most out of networking
- Why building a network is vital to your success as an investor
- Refining you personal brand and pitch
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Zoocasa released a price analysis comparing benchmark price data from the Canadian Real Estate Association (CREA) for 21 major markets across Canada to see where home prices have dropped the most since June
- hedge fund betting on a Canadian housing market crisis had a double-digit
- the Great White Short
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Whats going on with our population?!
- People leaving Canada to buy European castles
- Nowhere near enough housing starts
- Canada is growing at the rate of African countries
- Interest rates Vs. Cap rates
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We are looking at mortgage rates, specifically when will may go in 2024
- What Happens When People Can’t Pay Their Mortgage,
- When interest rates will come down, or will they go up again?
- What Affects Future Bank of Canada Rate Decisions?
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We look at the ULI report on what to expect for 2024 and beyond, and Dan is joined by a member of the ULI team to get their perspectives
- higher for longer rates and how that will effect real estate
- more units and adding value
- the importance of liquidity
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Rent Control, a highly debated topic, especially these days. Will more regulation or less regulation with rent control help or hurt the housing market; we explore,
- How rent control effects landlords and tenants
- The differences between rent control rules across Canada
- Do High prices cure high prices?
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The tables have turned; the game has changed. It’s now back to understanding and abiding by the fundamentals of proper real estate investing.
- Liquidity is key. Having cash to deploy will be more important in the coming quarters than it has been in the last several years as the lending environment has tightened.
- Reanalyze your investment thesis
- Vendor take-back mortgages
- The construction of purpose-built rentals
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We are in a housing crisis, but the things with homes, condos, purpose built rentals, office towers, industrial parks and just about any type of real estate is, they take a long time to build. So the government has proposed the war-time housing act.
- What is the history behind the war-time housing act.
- Housing start statistics
- Will this new act make any difference?
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We look at the life and lessons from a great business man, Stephen Allen Schwarzman, but you may be more familiar with the company he cofounded. Blackstone.
- No one person, however smart, can solve every problem
- Time wounds all deals, sometimes even fatally
- You have to like pain, and love disappointment to be an entrepreneur
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We go over a report prepared that was researched & written for CMHC by the firm Ernst & Young. It looks at construction and development and the challenges faced by that sector to get projects going;
- Short-term response to market conditions will worsen a long-term structural housing supply challenge.
- The least expensive option for affordable housing often may already exist today.
- Over 50% of survey respondents have used MLI financing programs
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Vancouvers has introduced some new policy that will change the real estate and development landscape in the lower mainland. We are joined by expert Steve Saretsky, to get his take on the new legislation and its impact on investors & developers.
- The province has introduced legislation it estimates could provide up to 100,000 new homes near designated transit areas over the next decade
- summarized 95 page policy manual that the BC government put together for new legislation eliminating single family zoning
- How these rules effect land values and property taxes
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500 active proptech startups in Canada innovating within commercial real estate, residential real estate, and construction tech were covered and analyzed by the Proptech Collective in their recent report - we cover the report.
- what Real Estate Leaders, proptech founders & Venture Capitalists are saying right now and for the future.
- where the companies are located and how much funding they received
- how to use proptech as an investor
Check out the Proptech Collective
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We cover a report Dan puts together for his real estate brokerage - so we are touching on Immigration - Construction - Interest Rates - House Prices and more
- Canada’s 5-year bond yield has retreated to levels not seen since spring of this year – when we saw Canada’s strongest spring market.
- December and January will mark the long-term low for the number of homes sold in Canada.
- rental inflation and mortgage interest costs, shelter is the leading cost of inflation in both components: Mortgage interests costs at 30.6% & Rental rates at 8.0%
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Everyone is obsessed with Real Estate & the best/easiest way to get involved and make the big bucks seems to be becoming a real estate agent....well is that actually the case?
- How many deals realtors do in each province
- How much realtors are actually making
- Housing as a part of Canada's GDP
- How to be a good real estate agent
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Lots of news to cover these days and we go over some of the most important things for Canadian Real Estate Investors including;
- The "new" mortgage charter and how if will effect borrowers
- Payments that could go up 70%
- Open Bidding - what will it do to the market?
- The most expensive cities in North America
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We look at affordability across the country, and what income you need in each province and city to afford a home - we do a deep dive on a few of those key markets.
- Median household income in the country is $68,400. The national average house price in Canada hit $656,625 in October 2023
- We look at the average income vs the average price the difference between max purchase price and average home price
- 195 % average home price above max purchase price & $800,700 Difference between average home price and max purchase price
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Here is it, the step by step process to properly buying your first investment property by following the fundamentals of real estate and setting up for scale. This is a high level look at some of the material we cover in our course, realist
- How to pick a market
- How to analyze deals and build a power team
- Understanding finances & setting up for scale
- Executing and managing your first property
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Investment vs Speculation which could also be known as cash flow vs capital appreciation
- What are the differences between both? The pros and cons
- What expenses play a role in both and how much to measure your costs
- How to achieve a balanced approach
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This is literally the question everyone is asking at the moment, we do a deep dive.
- Are we in a recession ? What are the economist saying..
- Statistics Canada reported that the housing market contributed more to the gross domestic product, totalling approximately $267 billion.
- If inflation reaches the target of 2-3%, the Bank of Canada would feel comfortable to cautiously reduce interest rates slowly to see how it impacts that inflation.
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Airbnb, an amazing show sponsor, and other STR companies have been making the news for all the wrong reasons. Major cities across the country and the world are restricting short term rentals, we do a deep dive;
- The pros and cons of STR's
- Will restricting short term rentals help solve the housing crisis
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We are going to look at Bonds, specifically, What is a bond - Why are they important - How the effect mortgages and the real estate market.
- A brief history and a definition of bonds
- All the types of common bonds
- How Government bonds play a role in the economy
- Nick & Dans favorite jJames Bond cars
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What do New Zealand & Canada have in common? A housing Crisis, but they dealt with it in very different ways. We are joined by entrepreneur, speaker and developer Graham Carter who is familiar with both markets and provides insights on how the two countries have reacted.
LinkedIn - https://www.linkedin.com/in/graham-carter-8872508/
Website – thoughtsbygraham.com
Vertex - https://vertexdevelopments.com
Insta @thoughtsbygraham
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There is a new tax for real estate, the underused housing tax. We do a thorough analysis of what it is, who it effects and why the government implemented it.
- This tax was supposed to be implemented now but just got pushed another 6 months
- Why people haven't been responding to this tax
- What information is being captured from this tax
- How to calculate the amount you owe and how to pay it
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The Skyscraper Index is an interesting economic concept, and it's essentially a tongue-in-cheek theory that suggests a correlation between the construction of super-tall skyscrapers and financial crashes.
- Bankruptcy of Canada’s Largest Residential Tower
- The CN tower was completed in 1976, at a time when Toronto and Canada, in general, were experiencing significant economic growth
- Economic cycles and business cycles
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With Record Level Debt in Canada - Has the Mortgage Stress Test Worked ? We look at what the stress test is and why it was implemented.
- DTI - debt to income ratio - Canadians owe $1.84 for every $1 they earn
- debt levels across all age brackets
- changes being made to the stress test
- what happens when renewals come in in 2024-2025
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Markets come and go. Good ones, bad ones, flat ones ugly ones. So as investors, how do we act accordingly?
- Business cycles and recessions
- Business & real estate legends that capitalized on precious recessions
- How to invest in a down market and what you should be doing right now
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We look at a report from the Fraser Institute - Canada’s Growing Housing Gap Comparing Population Growth and Housing Completions in Canada, 1972–2022
- Nationally, Canada has yet to build more homes annually than it did during the 1970s. This is also the case in 9 out of 10 provinces.
- Throughout most of this period, Canada’s population grew by one to three people for every housing unit completed the previous year.
- In 2022, population grew by 4.7 people for every unit completed the previous year—higher than at any other time. - thats the national level
- Among the provinces, this ratio ranges from 2.8 people per home completed in Quebec to 11.3 people per completion in New Brunswick in 2022.
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We What is ReHousing ? Who is this meant for? We are joined by Conrad Speckert & Samantha Eby, two architect's on a mission to reshape the urban landscape by converting single-family homes into multi-unit housing, using affordable, common-sense design to yield high-quality, well-designed space.
- Tell us about the yellow belt and why is has been so restricting on growth
- Can we walk through the housing types in your catalogue, and some of the prices - categories Low, Medium, High
- What has adoption been like? Have you seen increased interest with recent policy changes across the country?
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Banking regulator says about $250B worth of home loans are either currently or soon to be negatively amortized
- 50 + year mortgages - how long could they get?
- Why & how a mortgage can become negatively amortized
- OSFI's new guidelines to deal with them
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We cover Dan's economic report, including:
- What inflation is doing & Job numbers
- Buyers Vs Sellers Vs Balanced Market
- More People are searching for VTB's and Power Of Sale Listings
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We look at one of the biggest tenants in the world, and one of the biggest landlords in the world, we’ll discuss how they become so big, what asset class they dominate and what we can learn from the way they do business.
- Amazon holds over $57 billion worth of land and buildings - more than any other US public company other than Walmart - making them one of the largest real estate owners….in the world
- Hamid Moghadam, The CEO, was the highest-paid executive of a publicly traded real estate firm, pulling in $25 million in bonuses and other compensation
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We look at an economic study from Desjardins, “How Low Can Prices Go in T.O.? Even A Severe Recession Likely Won’t Make Housing Affordable in Toronto”, we also chat about,
- Rental housing has a history of being stimulus or make-work project
- CMHC examines 1970s tax shelter as agency seeks solutions to rental crisis
- Lessons learned from the past 3 recession
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How the government and central bank can crash or save the economy as we head into more economic turmoil.
- What is a hard landing vs. soft landing for Canadian Real Estate.
- What is the role of a central bank
- HOPE - Housing - Orders - Profits - Employment
- Quantitate Tightening & Quantitative Easing
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The government is increasing the Canada Mortgage Bond issuance limit by $20 billion per year and designating the increased amount for funding mortgage loans on multi-unit rental projects insured by CMHC.
- CMHC predicting that Canada needs 3.45 million more homes by 2030
- Rental projects must have at least five rental units and can include apartment buildings, student housing, and senior residences.
- Canada makes 22.3 billion dollars from tuition fees, that is more than their most major export (auto parts) at 19.2 billion. 76% comes from international students
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Lots happening in the economy and the real estate market, we look at several different top news stories & sources,
- 3.45 million more homes by 2030 to cut housing costs
- How Mortgage Payments Stacked Up Over The Past 2 Years
- Half Of Canadians Think They Will Never Be Able To Buy A Home
- Canada No Longer Has The Lowest Inflation In The G7, Set To Accelerate
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People are leaving the most populated province like never before, but why? & where are they all going? We look at an RBC study and other data to explore this issue and how it affects real estate,
- A "cost of liveability" index, taking into account the average house price in each of these cities
- As Ontarian's exited, Atlantic Canada and Alberta welcomed newcomers
- Homeownership as a percentage of household income across the province
- How to use this data in your investment thesis
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We take a deep dive into mortgages, specifically pre approval and pre qualifications. This episode will answer all your mortgage questions,
- How to get a pre approval - what documents
- How long does a rate hold last and why get one?
- How debt & income effect your credit score
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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In todays volatile market this question gets asked more than ever, we try to answer it by analyzing it from different perspectives
- What are you planning on buying? where? & why?
- Who are you & whats your plan?
- What are your current finances and your financing options
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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We sit down the Anthony Scilipoti from Veritas and get him to argue both sides of the story.
- What’s the bull case for Canadian real estate right now
- What’ the bear case for Canadian real estate right now
- What areas in Canada do you expect to perform the best and worst?
- How can investors succeed in the next 12 months in Canada?
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Commercial Real Estate was the hottest thing for decades, but now it seems to be in trouble, is work from home killing our central business districs?
- The past & the future of commercial real estate
- How the modern office came to be
- Vacancy rates in Canada and around the globe
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Its the news, we cover the following topics and how they affect Canadian Real Estate Investors:
- TD: 48% of its mortgages had a remaining amortization>25-yrs
- Private mortgage lender Romspen cuts monthly distribution for fourth time
- Canadian new home prices edge down in July
- TD could face penalties in probe of anti-money laundering compliance in U.S.
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We get this question a lot, especially from aspiring real estate investor. To Rent or to Buy..that is the question. In the episode we unpack the pro's & con's of both strategies.
- Sunk Cost & Opportunity Cost
- ROI from Primary
- You have to be a really bad investor for ownership to make more sense than renting… and most people are really bad investors.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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Does Real Estate only ever go up or does the buying power of a dollar go down?
- We look at what inflation throughout Canadas history and how to beat it
- Real estate as an input output business
- Disinflation, Deflation and more
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The best investor of all time invests in DR Horton, Lennar & NVR, we cover why he does this, where we are in the cycle and finish the episode off with CREA stats n
- Warren Buffett’s Berkshire Hathaway disclosed $814 million in investments across three home builders
- Some of Buffett's best quotes and how they apply to Real Estate
- Where we are in the Cycle - HOPE CHART
- CREA stats
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Chinas property sector is the largest asset class in the world, and it's in trouble.
- How will this effect the global property market
- How would this effect Canada, will foreign capital leave?
- What are the potential outcomes
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We interview the President & Broker of Record at The Daniels Realty Corporation, Dominic Tompa. Dominic has been at Daniels for almost two decades and in the industry longer than that.
- We discuss recession cycles and what a recovery looks like
- The challenges facing developers and what can be done to solve them
- His three rules for investors and what the next big opportunities in Canadian Real Estate are
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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We get asked a lot, does it help to get your real estate licence or mortgage license if you are or want to become a real estate investor . We are going to be looking at every real estate related profession. Real estate adjacent, like you work with properties or building or financing or inspecting them,
- What each of they do,
- On average what they make,
- Does it help you as a real estate investor
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In the News episode we cover a variety of topics including,
- Cushman & Wakefield, JLL profits slide by more than 90%
- Canadian Inflation Is About To Get A Boost Due To A Base Effect
- Cities With The Most Remote, Hybrid Workers In Canada
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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In this episode, we cover Dan's Rare Report,
- Toronto construction costs are up 95.5% since 2017
- Slowest New Condo Sakes Market in A Decade
- Homes are taking longer to sell
- Asset Prices, Interest Rates, Incomes
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - realestatemeetups.ca
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This is from our time at the ULI spring meeting. It's one of our favourite interviews from the from the conference (which was attended by over 4000 re professionals from across North America). It's with a seasoned Real Estate Professional, a gentleman names Rob Spainer.
- How to re use and re develop spaces such as Malls
- His time at Intrawest travelling and developing ski towns
- What pull factors does a community need to attract people
- How people spend their time, is how you need to build a place
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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Learn More About Our Guest www.spaniergroup.com
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We look at some iconic Canadian Real Estate companies and measure them against the USA and the rest of the world.
- Why do pension plans love real estate investing
- Who's the biggest land owner in Canada
- Who are the biggest home builders and what we can learn from them.
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What Home Buyers Want, a pretty important topic for any realtors, flippers, value add investors and prospective homeowners.
- The most important and least important features to include
- Generational differences in wants & needs
- Building or renovating with the end user in mind
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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Nick
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William Zeckendorf's holdings would be $25 Billion if he was alive today. As a NYC real estate developer in the 1900's, he played real life monopoly. His 50+ years of expertise has been shared in his autobiography, here are 11 lessons every real estate investor should know.
- We looks at thing like Zeckendorfs famous Hawaiian Technique
- Working with the best talent
- Walking away from deals
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
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Municipal Benchmarking Report offers insights on how to improve municipal processes, fees and charges that are impacting housing affordability and supply in Canada
- average cost of government charges levied by municipal governments on low-rise new housing development averages almost $62,000/unit. Toronto is at the high-end of that, with government charges amounting to over $189,000/unit.
- Greater Toronto Area and Hamilton (GTHA) saw approval timelines worsen by 18%.
- Biggest Issues & How to fix them with best practices.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
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Nick
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Dan
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Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
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We look at the most recent rate hike as well as the Financial Consumer Agency of Canada’s (FCAC) report examines and compares the financial well-being for 3 groups of Canadians
- Quantitative Easing & Quantitative Tightening
- Housing Contributions to GDP
- 1 in 3 Canadians is having trouble paying their bills
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - realestatemeetups.ca
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Nick
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Dan
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Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
In this special episode Simon, of The Canadian Investor & Dan continue their discussion on the future of Commercial Real Estate.
Spotify
https://open.spotify.com/episode/17UE6N0pE4JPTf0Vbu89CF?si=d85c2eba68c748cb
Apple
https://podcasts.apple.com/ca/podcast/the-canadian-investor/id1534655273?i=1000620998597
Website
https://thecanadianinvestorpodcast.com/podcast/the-canadian-investor/episode/is-commercial-real-estate-really-in-trouble-part-1
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - next one Kitchener Waterloo - July 17th realestatemeetups.ca
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Nick
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Dan
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Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We sit down with Hooman Tibesh, the founder of Alliance REIT, Alliance is making waves in the missing middle space in some Toronto Neighbourhoods, buying, adding units, and returning profits to investors.
- At what point can someone actually turn their portfolio into a REIT?
- Investing as little as 20k through your RRSP or TFSA
- What are the main benefits and drawbacks of the REIT structure?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - next one Kitchener Waterloo - July 17th realestatemeetups.ca
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Nick
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Dan
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Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We sit down with Mike Woolf to talk Building products, specifically soundproofing and how to build with end users in mind.
- how to build using the right materials for ROI,
- How to comply with code
- Noise is the number one tenant complaint
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - next one Kitchener Waterloo - July 17th realestatemeetups.ca
Merch - realestatemerch.ca
Nick
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twitter.com/mybuddynick89
Dan
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Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
WHO you need to more add units to your properties - we’ve already covered the WHAT - that could be a current investment property, or one you’re planning to buy, and they WHY is because you are, or are trying to become an investor.
- A planning team, a municipal planner, but this could also include consultants for studies like environmental, forestry (trees), site plan control, landscape architecture
- For drawings - you need an engineer or comparably qualified person to stamp the drawings. You can submit “homeowner drawings”, but you likely need professionals like architects, BCIN, and engineers
- Building - you need a general contractor
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - next one Kitchener Waterloo - July 17th realestatemeetups.ca
Merch - realestatemerch.ca
Nick
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twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
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Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The Bank of Canada’s quarterly Indicators of financial vulnerabilities page - indicators we use to track the evolution of two vulnerabilities in the Canadian economy: the elevated level of household indebtedness and high house prices. we’re also going to be talking about the Bank of Canada’s evil arch-nemesis… inflation!
- Inflation is at its lowest since 2021 based on CPI
- But… Mortgage costs rising at almost 30% annually
- Without mortgages, CPI would have been 2.5%
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - next one Kitchener Waterloo - July 17th realestatemeetups.ca
Merch - realestatemerch.ca
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Lots of news happening, and it seems like the media has taken a more bearish tone;
- Canadian banks facing pressure to increase the amount of cash they hold
- CIBC being under remediation for letting people take on too much mortgage debt
- Toronto’s condo market being in a “moment of reckoning”
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Meetups - next one Kitchener Waterloo - July 17th realestatemeetups.ca
Merch - realestatemerch.ca
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
In our 100th episode we look at Canadas population hitting 40 million, and how it stacks up to other countries & GDP's
- How Passive is real estate investing?
- How much money do you need to be a Real Estate Investor?
- Do you need to be good at math and accounting to be a good investor?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
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twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We are talking about interest rates, the history of interest rates, the literal highs & lows, we also chatting on real, negative and neutral rates.
- A $1M mortgage over 30-year amortization at 5.5% pays $1.03 million in interest On that mortgage you’d pay $262,000 in interest over a 5-year term … and just $76,000 in principal
- We look at rate fluctuation since the 1930's and analyze cycles
- Decade by decade changes and the correlating economy and home prices
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
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twitter.com/mybuddynick89
Dan
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Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omny.fm/listener for privacy information.
We are looking at Private Mortgages, a deep dive, into who uses these loans, and for what,
- The terms, rates and ratios of private mortgages
- How to calculate the payments on private mortgages terms
- Based on data from the CMHC, non-bank lenders originated $183.61 billion worth of mortgage loans in 2021
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We’re talking about the most important metric to your real estate investment, DSCR, Debt Service Coverage Ratio.
- The list of cities that were most searched in Canada in Q1 of this year. 1st was Calgary then Toronto and Ottawa
- Both real estate investors andlenders use the debt service coverage ratio when analyzing rental property performance
- What is a DSCR, whats a good and bad one and how to calculate
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
In todays show we talk about the Bank of Canada and its Rate Decision, We also look at the IMF and a recent study they released. We also look at CMHC, thats Canadian Mortgage & Housing Corporation and why they say the Canadian economy can’t afford any more rate hikes, so buckle up, this a good one.
- How the rate hike will affect your variable mortgage
- IMF Reports high levels of household debt & large share of borrowing issued at floating rates are more exposed to higher mortgage payments resulting in a higher risk of defaults in Canada
- 46% of respondents in a CMHC said they must adjust their household budget.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We dive into a new report on Condo Investors losing money.
- What is a Debt Service Coverage Ratio and why its so important
- Condo deposit insurance & Tarion warranty
- Condo completion's per person in every major city
- Cash flowing investments vs. not cash flowing investments
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
One simple tool to compare multiple properties, Cap Rates. We've talked about them on the show a lot, but haven't done a deep dive, until now.
- Determine the Net Operating Income (NOI)
- How to calculate a cap rate with examples
- What is a good Cap Rate?
- Cap Rate Compression
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We go through a recent Statistics Canada report about real estate investors across the country, their incomes, their locations and their portfolios
- In 2021, household debt exceeded the size of the economy, with three quarters of the debt tied up in mortgages
- Established immigrants—those who landed before 2010—comprised a higher share of investors than their share of the provincial populations.
- Women represented around half of all resident investors in the five provinces
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The Bank of Canada’s Financial System Review is the topic of today’s episode - among other things like inflation going up, and the risk on fixed rates rather than variable rates right now.
- BoC: Mortgage payments could soar up to 40% in 3-years
- we’re fighting inflation with inflation, and it’s not working
- The differences between fixed and variable mortgages & many other types
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
TCI Meetup Event
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
- The 1% rule & The 2% rule
- 50% Rule for Expenses & The The 70% Rule for Reno's
- The 100:10:3:1 rule
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The pre con don, Jordan Scrinko joins us for our first episodes where we focus on condos and more specifically pre construction condos, are they investments?
- What is pre construction, we go through the whole process
- How to pick a good project & What happens when a project goes south
- What investment strategy works best
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Check out precondo
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The city of Toronto just legalized fourplexes, they made it legal to put 4 units in neighbourhoods lot in the city of Toronto without development charges. We look at how this legislation will affect housing supply, affordability & more.
- Decline in household size vs. increase in sqft
- How many empty bedrooms there are in Canada
- How long will it take to see meaningful change
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We have Patrick Cosette on to chat about his best strategies for your corporate taxes, he also shed his insights the smith maneuver.
- GST/HST vs Income Tax vs Payroll Tax
- OPEX vs CAPEX (applies to both personal & Corporate)
- What is the Smith Maneuver & is it worth it
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
As investors we always should be learning and one of the best ways to do that is to build genuine relationships with other investors, and the best way to do that is networking, and the best place to do that is at events .
- 15 tips to get the most out of networking
- ULI has a segment on the Spring Meeting, one of the largest Real Estate Events in the country
- How to network with intention
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The construction of new homes in Ontario is the highest-taxed sector in terms of production taxes.
- Developer margin (after tax) 10%
- Construction workers (after tax) 17%
- Value of Land and materials 23%
- Government gets 31%
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We spent the morning touring around beautiful Kingston, Ontario. We were there to look at Multifamily property but also to interview an impressive young man by the name of David, who is the founder and one of the owners of Axon Properties, a PM firm that has grown like crazy and manages 1500 units now and counting. David shares with us the most important lessons he's learned.
https://axonproperties.ca/
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We are looking at 12 Lessons from a very successful man who grew a family offices net worth into the billions.
- What qualifies a family office
- What services are offered
- Major ones in Canada and how they all invest in Real Estate.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We cover this and are wondering what is a Monetary Policy Report & why its important to real estate investing, we look at
- Changes in borrowing behaviour
- Substantial increases in borrowing costs & disposable income
- What Mortgages are Canadians choosing right now
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Canadian Real Estate Association (CREA) has released a new report, we look at the changes in home prices, volume of transactions and more,
- A great deal of the day in Regina, Saskatchewan for less than 500k
- seasonal & cyclical market changes
- Transaction volume is way down
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The Government has a new program to help first time home buyers, but does it really help? We look at this and other assistance programs
- A new government program that aims to help first time home buyers
- Is you primary residence an investment?
- Down payments & the Home Buyers Plan (HBP)
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
In this special episode we are joined by Adam & Matt Scalena, brothers, brokers, beauties and hosts of the Vancouver Real Estate Podcast. These two have been actively buying, selling and investing in Vancouver and the lower mainland for over a decade and they share their expertise with us, we chatted about:
- What makes Vancouver so investable
- Their strategies on picking markets & creating value
- The power of podcasts
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Vancouver Real Estate Podcast
See omnystudio.com/listener for privacy information.
In Chip Wilson's first ever interview on Real Estate we get an in depth look at his holdings, current projects & grand ambitions. Chip is an amazing, charismatic and highly intelligent entrepreneur who changed the fashion game, now he's looking to do the same for Real Estate. We sat with him & David Ferguson, the CEO of Low Tide Properties in their beautiful office in downtown Vancouver & discussed;
- Why stay & invest in Canada
- What every young entrepreneur and investor should be doing
- 100 year real estate strategy
- How much RE should be in your portfolio
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
CMGC has gamified possibly the best mortgage product in the country. We look at MLI select and how to gain enough points to qualify.
- Accessibility, Affordability & Energy Efficiency
- CMHC and their role
- Borrower & Guarantee Requirements
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
What do Ozark, Breaking Bad and Canadian Real Estate have in common....Money Laundering!
- The 3 steps to launder money and the 3 V's
- a $200,000 fine aims to expose money laundering
- How is Money Laundered into the economy
- Red Flags you can spot to stop it
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
A new practice is coming to Canadian Real Estate....Open Bidding. We cover this in detail;
- What is it Open Bidding
- Why does it matter & what affects will it have on Prices and Process
- We look at Australia's market which practices open bidding
- A 10% cap rate for less than 500k In Red Deer Alberta
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Its a mixed bag episode where we cover an array of great topics:
- Housing affordability seems to be improving
- Office Occupancy and return to office
- Rate pause & what happens next
- Immigration & Rental housing shortage
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We are joined by a special guest, a paralegal/property manager who has helped shape our business, we ask her about the following topics;
- Laws that govern the landlord and tenant relationship
- Rent control & Evictions
- How to screen tenants
- All the forms and notices you need to know
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
How the global banking system crisis could impact real estate investors - specifically trying to answer a few questions:
- The demise of a few banks, most notably Silicon Valley Bank & Signature Bank.
- Could we see small similar financial institutions in Canada suffer similar fates?
- Is Canada’s perception of global strength in finance due to banking oligopoly?
- Will rates come down sooner as a result of recession? - What do bond yields tell us?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We start things off by look at a survey that puts real estate as the top wealth building tool for 2023, but is. there a conflict of interest?
- A sweet deal of the day in Dartmouth at an 11% cap rate
- How much money can you make renting your roof to a cell provider
- what is a 15 minute city and why the push for them
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Today we’re going to do a back to basics episode by request - we will cover the first 3 things you need to do to become a real estate investor:
- Get a budget - mortgage pre-approval
- The Big Six Banks
- Find a market that fits that budget & establish return metrics
- Find a good property in that market
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We review a survey from MPC - Mortgage Professionals Canada. MPC basically represents mortgage professionals, like agents and brokers, and they release a great semi annual market report, this is that report;
- Mortgage renewals - fixed versus variable
- Home price expectations
- mortgage affordability & increased debt servicing cost
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Meetups https://www.meetup.com/pro/canadian-millennial-real-estate-investors/
See omnystudio.com/listener for privacy information.
Are higher rates causing these increases in rental and mortgage fraud? Nearly half of Canadians Think mortgage fraud is common, and almost 20% said it was acceptable.
- The best landlord due diligence story ever
- Market updates from TRREB
- Almost all of Canada fits into Ontario
- Are Constructionists the final price floor
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Where are the youngest cities in Canada, why are they young and what does that do for the micro and macro economies.
- Investment property for under 300k in Winnipeg 8% cap rate
- Age demographics in all the major Canadian markets.
- Where are the young people going and why does it matter as an investor
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
When is comes to the success any type of investment property it's likely fairly dependent on one thing. Vacancy. In this episode we look at CMHC's report covering vacancy rates across the country.
- Analyzing & calculating vacancy rates
- CMHC's housing report on every major city
- The effects of low vacancy on rent and ownership
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
We have gotten a ton of questions about this, so here it is, your roadmap to your first investment property. Check all these boxes and you will be a landlord.
- Understanding your WHY to writing a business plan
- Who’s on your power team an what roles they play
- Picking you market and picking your assets class
- Property management and tenants
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
The newest batch of CREA stats are out, we look at whats happening in major markets across the country, we also discuss;
- A big multifamily deal in a gorgeous neighbourhood
- Employment and the economy & why new jobs are no good
- Projected price drops based off prior corrections
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
You've heard us mention it many times over the episodes, Canada is headed late stage housing economy, well what does that even mean!? We cover;
- Late Stage Capitalism & End Capitalism
- Who percentage of populations own homes around the world
- Late stage indicators and how to spot them
- What this means for Investors in Canada
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
We look at how billionaire Sam Zell built his career in real estate, and take his investing & life principles, explore & unpack them,
- We take a closer look at Oshawa for the deal if the day
- Tiff Macklem most recent comments on Interest Rates
- keep Investing simple
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
News! & lots of it. We cover some great articles that cover the following topics,
- Toronto thinks it’s the centre of the universe, but the votes are in. And. Its not
- Mortgage & Title Fraud, what is it and how to defend against it
- $7500 to build a basement suite for Grandma from the Prime Minister
- & of Course we will touch on mortgages, both trigger rates and number of arrears
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
We are back at Greybrook’s office today for our second conversation with Sasha Cacuz. He provides valuable insight into what his investment and development team are doing in both Canada and in the USA, specifically Miami. We also discussed;
- Best case and worst case scenario for 2023’s real estate market?
- How should operators, investors, or developers be acting in this “new market”?
- Can Bill 23 have a meaningful impact
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
More people need co signers these days than ever before, but why? We explore why co signing is so prevalent in this market.
- What is co signing & why its so prevalent now, when you need one and how to get them off title
- Affordability, Homeownership, & the Canadian Dream
- The difference between drive till you Qualify and Co Sign till you qualify
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
A new rate hike & the new monetary policy report are changing the economy, sentiment is down and people are reacting in strange ways.
- Inflation, where it is & where we need it
- The BoC’s rate hike & monetary policy
- Bank of Canada overnight rate vs Government of Canada 5-year bond yield
- Most importantly fixed vs variable rates and how they have been affected
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
In this episode we do an in depth analysis of the Rental Report from RentPanda. It covers 30 major markets across the country and measures them in a variety of ways.
- Affordability: Household Income Vs. Individual Income
- Days On Market across the country
- Rent Rates & what to expect for the rest of the year
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
We start things off in the Garden City with a great Deal of the day, then take things national to talk CREA stats.
- Zoning Bylaws in Victoria, BC
- Buyers, Sellers & Balanced Markets
- National average home price is forecast to decline 5.9%
- Sales To New Listings Ratio
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
You know we don’t do many guests, but Patrick Cossette is a goldmine, so, he’s back by popular demand to talk all about everyones favourite topic....Taxes! Go check out the other episode we did with him, Episode 39: Buying Real Estate In A Corporation Vs. Your Personal Name.
- Active Vs. Passive Income
- HST/GST considerations for Flipping & Rentals
- Does investing through a partnership impact your tax profile
- Section 85 Election
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Stephen Ross is worth $11.6 billion dollars, but started with a 10k loan. In 50+ years of experience, he has built Related into the largest real estate developers in the US.
- What is PHD and why is it his hiring criteria
- The importance of working with partners
- The importance of DIY
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Support the show: https://www.patreon.com/TCREI
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Real Estate is full of acronyms, and there's one thats been getting a lot of attention recently, OPM - Other Peoples Money. This is sold as the dream, the easy way, and the get rich quick way. But is any of that true?
- What OPM really is & how to get it
- The pros and cons of Debt & Equity
- What is a Capital Stack
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Support the show: https://www.patreon.com/TCREI
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
- https://www.dealpath.com/blog/what-is-real-estate-mezzanine-loan-definition/
- https://www.altusgroup.com/insights/financial-structure-of-real-estate-development/
- https://www.canadianrealestatemagazine.ca/expert-advice/how-to-invest-in-real-estate-with-little-or-no-money-335037.aspx
See omnystudio.com/listener for privacy information.
We all want to scale to freedom and we do that by building a portfolio. But then what? Sell your portfolio? Buy a portfolio?
- Buying a portfolio vs. Building a portfolio
- The different types of portfolios & what a they look like
- Modern Portfolio Theory
- A 17 unit deal In Saskatoon with a 14% Cap Rate
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Support the show: https://www.patreon.com/TCREI
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
Upcoming Events:
Calgary - 3rd Friday of the month
Edmonton - last Wednesday of the month
See omnystudio.com/listener for privacy information.
If you listen real estate investment lore, you’ve probably heard about people looking for distressed properties, more specifically the buying of “foreclosed” properties. We cover the basics of these two unique deal types and more,
- The 3 D's of Real Estate
- Mortgage arrears and delinquencies
- The key differences between Power of Sale & Foreclosure
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Support the show: https://www.patreon.com/TCREI
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
Upcoming Events:
Calgary - 3rd Friday of the month
Toronto - January 21st
Edmonton - last Wednesday of the month
See omnystudio.com/listener for privacy information.
Extra Extra, It's a news episode see. We cover a bunch of great news stories that you need to know about including,
- What you need to know about the Foreign Home Buyers Tax
- Average income you need to buy a house and what the actual average incomes is in each province
- BoC’s Announcement and outlook for 2023
- National Banks Housing Affordability Monitor
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Barry Sternlicht is worth $4.7 billion dollars, he has built Starwood Capital into one of the biggest real estate investors in the world, these are the 17 principals he has used to succeed in building his Real Estate Empire.
- Let you winner run & bet the jockey not the horse
- Paying attention to public markets as a "small" real estate investor
- The coolest deal of the day yet, 9 doors, one property.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Where to invest? Thats the question we are always have in the back of our minds. We take a national tour of every major city across the country and look at the Return On Investment you get.
- Every major city, the ROI and other keys facts you need to know
- Major market trends and takeaways from the investors report
- Rent To Price Ratios nationally
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
There are so many different asset classes in Real Estate; in this episode we analyze markets across the country and look at Retail, Industrial, Hotels, Seniors Housing & Commercial properties and how they are performing.
- We look at all asset classes vacancy rates, cap rates & rental rates
- Which markets support which property types & what you can do with this info
- Dan is trying to buy a large moose statue
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Over the last decade or so, Countless businesses and models have been disrupted by technology and the speed of these disruptions is growing, we look at some of the companies trying to change real estate in Canada
- There are over 450 prop tech companies in Canada
- Digital mortgage lenders - property sharing - Landlord services
- Embracing change and utilizing technology
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
As Investor it's our mission to buy real estate and make deals, because in this environment deals are hard to find. So how do you make a deal a good one?
- VTB's & OPM, what they are and why you need to know
- Advantages for buyers and sellers
- How to negotiate a VTB
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Lots of news these days in Real Estate and it's easier than ever to just focus on the bad stuff. So we look at it, unpack it and shed some positive insights on what this market means for you.
- The latest interest rate hike and its effects
- Vancouver has more landlords than anywhere else in Canada
- Millennials are renting longer than any previous generation
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
We are always looking for new products in the mortgage space to help investors achieve their goals. We look at a product we are using on a 10plex we just took under contract
- Who is CMHC and what do they do?
- What is mortgage default insurance?
- Financing options for investors in all markets
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Two of every investors favourites ways to analyze and value a deal, but what do they mean, whats the difference and why are they the benchmark for so many investors?
- What is leverage and how to use it
- Cap Rate Pros & Cons
- Cash Flow/Cash on Cash Return Pros & Cons
- Operating, Investing & Financing activities
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Our first deep dive, boots on the ground episode. We spent a few amazing days in Calgary & Edmonton getting to know the cities and of course, connecting with investors, what we learned led to this episode.
- Alberta's Boom/Bust Economy
- U-Haul Index & RBL Crane Index
- Cap Rates across asset classes in Calgary & Edmonton
- Alberta is the only province that can build enough homes
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
We are in Bear Market territory as we witness major layoffs in Tech as well as in the Real Estate Space. Who's going to make it through this market & how!?
- The history of Bear & Bull Markets
- Analyzing and Planning for worst case scenarios
- CREA Stats and national updates
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Bruce Flatt is worth 4.4 billion and has grown AUM for Brookfield to almost 1 trillion Canadian dollars. These are the principles he has lived by for the last 30 years in business.
- We go over each point and make it relatable
- Encourage mistakes and drown out the noise
- be cautious of short term objectives and build based off integrity
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
The Episode you have all been waiting for! We have Patrick Cossette on the Podcast, Patrick is CPA & CA, founder and CEO of XTR financial group as well as a leader in the construction and real estate space.
- Is it better to buy personally or in a corp
- Main advantages of buying in a corp
- What investors need to know about taxes
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
From Rent to Own & Wholesaling to STR's & Flipping, we cover 12 ways to make money in Real Estate.
- Singapores population and economy are growing, but so it the actual geographical size of Singapore.
- Buying & Selling & Lending money for Real Estate
- Investing in real estate equities (REITs, MICs, etc)
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
60% of Canadians break their mortgage in an average of 33 months. Lots to talk about in the mortgage space. We look at some breaking news & do a deep dive on an increasingly common question. Should lock in my variable to a fixed?
- A Mortgage Fund in Canada has halted Payouts
- Only 5-6% of Canadians are switching from Variable to Fixed
- What penalties are there to break your fixed or variable mortgage
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
New Policy sets goals for record immigration over the next few years! Thats Great! Only issue is, where are they all going to live.
- We analyze Immigration patterns within Canada
- CHMC's Housing projections don't add up
- Major skilled labour shortages present more concern
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
We have a Senior Analyst from Stats Canada on to discuss Housing Affordability. This guy knows the data better than anyone, he wrote it...
- Homeownership declined in a number of Canadian cities
- Generational differences are we seeing in rental housing between boomers and millennials
- a 10 Cap Deal Of The Day in Alberta
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Daniel Dubois is a serial tech entrepreneur who at 18 years old started a Laneway Home Development company. After selling that he went on to help grow Airbnb across Canada, and most recently co-founding KEY
- 35 years to save up for a downpayment in Toronto & Vancouver
- Own and invest in top markets for as little as 15k
- Using KEY as an owner or investor
- Reach out to Daniel daniel@lifeatkey.com
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
Landlords, this ones for you. We cover top news stories including fraudulent tenant application documents and "professional" tenants.
- What is a professional Tenant and how to deal with them
- Legislation passed that increases density is great news for investors
- The Economist thinks Canadas economy is in trouble
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
Shakepay Bitcoin Survey
See omnystudio.com/listener for privacy information.
The BoC did it again. Another .50bps instead of the 0.75 expected, what does this mean for Canadian Real Estate Investors
- The BoC's Monetary Policy and what is says about housing
- The Role of Centrals Banks
- PreCon Condo sales at an all time low
- Twitter is mean to Realtors....do they deserve it?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Home prices are down, volume is down, rents are on the rise. This market is confusing and we try to make sense of it by analyzing the CREA stats.
- Biggest Gains & Losses Year over Year
- The places we are still Bullish on
- A Canadian publication named the Greater Moncton Area the best location for prospective homeowners in the country.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
First Place is great if its a win; but First Place on the UBS Bubble Index....is that a win?!
- We unpack the UBS bubble index
- Toronto is #1 Vancouver is #6
- What does this mean for Canada & for Investors
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Why do our cities look so different from the those in Europe? We explore whats known as the Missing Middle and the opportunities it presents.
- What is the Missing Middle?
- Condos Vs. Single Family Suburbs
- Building types and the cost per square foot
- The RLB Crane Index & Toronto has the most cranes, by far!
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We cover all the top news stories... are there is a lot going on.
- An old cookie factory turns into a huge residential development
- It looks like we are going to see more rate hikes
- Why is Toronto seeing a spike in bidding wars (they’re not)
- Canadas Population is setting new records
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The Oldest question in Real Estate Investing, Cash Flow vs. Equity. We look at why Cash Flow is more important, at least at the start.
- Rental Wash Programs, what they are & how to use them
- Why your first 3 properties need to cash flow
- The LTB has collapsed
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Where to Invest?! The question every Real Estate Investor constantly asks. In this episode we look at some key leading factors of Canadian Migration & what it means for Investors
- Drive til' you Qualify & Drive til' you Quantify
- Long distance investing & driving for dollars
- Why Migration matters and what to look for in growing/shrinking Markets
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
They can make or break a deal, but also make or break your heart. In this episode we analyze all things Tenants.
- How to attract great tenants by being a great landlord
- Evictions , Rent Control & Small Claims Court
- "Landlord Friendly" & "Tenant Friendly" Provinces & Territories
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Our first Guest Sasha Cucuz, CEO & Partner at Greybrook discusses the investing principals he uses & how they can be adopted by all investors.
- REIT's Vs. Private Equity
- Development vs. Traditional Investing
- Invest without actually owning property
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We look at Data around the buying frenzy during the pandemic and the lingering sentiment
- How Did the Pandemic Influence Home Buyers?
- Do People Who Made Big Moves Regret Their Decision?
- Would Homeowners Would Still Be Happy Even if the Real Estate Market Sees Significant Drop?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
The question we are all asking right now....Fixed Or Variable
- The history of mortgages
- Unpack & explain both fixed and variable products
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We cover a few hot new pieces and go over the CREA stats nationally
- Bancroft & the East Coast are solid but the rest of Ontario is down
- Developers are pausing projects
- Canadians net worth down by 1 trillion
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
Who you need on your team to get a deal done. Some obvious ones, some not so obvious.
- The Who not How mentality
- Each Professional and what role they play
- How to find and vet the best people to work with
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
We cover our top 5 return metrics, explain them using relatable examples
- Cap Rate
- Cash on Cash
- NPV - Net Present Value
- IRR - Internal Rate of return
- EM - Equity Multiple
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei
See omnystudio.com/listener for privacy information.
- BoC raises rates by a whopping 0.75
- Spirit of Halloween's real estate model
- What the rate hike means and will it be the last?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
Love him or hate him, we all know him. Mr. Musk and his many businesses could actually be a bull case for Canadian Real Estate
- Elon sells all his real estate and lives in a rented box
- Starlink and Tesla could be huge for the Canadian economy
- How could help rural growth
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
- Bill Gates loves Farmland
- We break down the Famous BRRRR strategy and if it still works in Canada
- We introduce out own original strategy - the BADASS strategy
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
- What does the Hollywood Sign have to do with Real Estate
- Renting your Primary Residence
- Waterfront Properties and Border Towns
- Why rents are on the Rise
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
- Nova Scotia & Alberta want you to move there
- Toronto & Vancouver Markets experience big losses from Peak Prices
- Dan analyzes an Air BnB Deal on JellyBean Row
- Which Markets are actually still growing
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
- Are Rates stressing you out? Do risings rates have you Triggered?! We explain what these mean & why they are important.
- Real examples of a trigger rate & what happens if you hit yours.
- Payment shock, and who will experience it
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
See omnystudio.com/listener for privacy information.
From Cap Ex To Cap Rates - AVR to FSBO - what they mean, how to use them, & why they are important.
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
See omnystudio.com/listener for privacy information.
- Evergrande and other major developers are defaulting on their loans
- People are refusing to pay their mortgages
- Sales of real estate are down over 70%
- We analyze all this and see what it means for the Canadian real estate investor
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
See omnystudio.com/listener for privacy information.
Do You...
- Sell your investment at a Loss
- Lock your variable rate on your investment to a fixed rate
- HOFDL - ride it out
- Get Creative
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval : https://www.ghmortgagegroup.ca/
See omnystudio.com/listener for privacy information.
- Who really owns Canada
- What you can use Raw/Vacant/ Crown Land for
- Vendor Take Back Financing
- Tiny Homes
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval : https://www.ghmortgagegroup.ca/
See omnystudio.com/listener for privacy information.
- B Lenders vs A Lenders
- Prices in 10 Years from now
- Single Family Homes vs. Multiplexes
- Hedges - not the shrubbery kind
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
Location
- Employment
- Demographics
- Future growth potential
- Local micro-economy
- Comparables
Lot
- Size, dimensions
- Conservation
- Zoning/Planning
- frontage, roads, traffic
- Topography & natural heritage
Building
Income
Individual
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/@mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
See omnystudio.com/listener for privacy information.
- Development Charges Increasing
- Why are Listings Being Cancelled?
- HELOC debt on the Rise
- Did Investors cause Hyperinflation in the Housing Market ?
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/@mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
See omnystudio.com/listener for privacy information.
- CREA stats - highest & lowest growth markets in Canada since Covid
- The U-Haul index and why its important
- Analyze deals in these high growth markets
- How to use the CREA information to your advantage as an investor
- Show Notes
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/@mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
See omnystudio.com/listener for privacy information.
- Different asset classes and the challenges/opportunities they present; including commercial, industrial and retail.
- How small and mid cap investors can invest in real estate outside of just residential
- LTV’s, cap rates, vacancy, and type of tenants for these asset classes compared to small multi - family investments
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/@mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
See omnystudio.com/listener for privacy information.
- What this rate hike means for investors and the challenges and opportunities it presents
- Stress Tests & Trigger Rates
- B Lenders are an investors friend, especially in bear markets
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
- The last 3 recessions and the effects it had on Canadian housing Market
- Inflation, Interest Rates, Home prices and sales volume, Cap Rates and the correlation between them all
- How to navigate through a rising rate environment
- Presentation on Rising Rates (Charts & Data)
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.
This is the preview episode of the Canadian Real Estate Investor Podcast!
We give you an overview of our backgrounds and expertise and what to expect from our show.
See omnystudio.com/listener for privacy information.
- Keeping your rents competitive and how to raise them
- The cost of lumber drops and what this means for renovations
- Rising interest rates, 0.50 or 0.75 and what this new rate does to purchasing power
- Home prices are down and so are the number of homes being sold
If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com
Nick
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch
Instagram.com/danielfoch
tiktok.com/@danielfoch
Get a Pre Approval G & H Mortgage Group
See omnystudio.com/listener for privacy information.