The Canadian Real Estate Investor

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 Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

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​ See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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). Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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 Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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 Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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 Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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 Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups 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.

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. See omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Learn more at OHBA Bob Schickedanz Dave Wilkes Kirstin Jensen Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups 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.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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/See omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 See omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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? Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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? Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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? Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Attend Our Event On Multiplexes Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Attend Our Event On Multiplexes Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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, Attend Our Event On Multiplexes Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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 Attend Our Event On Multiplexes Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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. Attend Our Event On Multiplexes Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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? Attend Our Event On Multiplexes Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

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? Attend Our Event On Multiplexes Sign Up For The Next Webinar Realist Join the best community in Canadian Real Estate realist.ca Attend a Meetups Meetups Get a Pre Approval G & H Mortgage Group Get Financing with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.