The Canadian Real Estate Investor

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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. 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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? 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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? 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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. 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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.

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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 [email protected] Sign up for our Course Course Meetups - realestatemeetups.ca Merch - realestatemerch.ca Get a Pre Approval G & H Mortgage Group Work with Landbank www.land-bank.ca 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.

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 named Rob Spanier. 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Learn More About Our Guest www.spaniergroup.com Join ULI uli.org 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 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. 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 GroupSee omnystudio.com/listener for privacy information.

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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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.

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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 sit down with Hooman Tabesh, 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Attend a Meetup meetups Get Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank 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 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 [email protected] 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.

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 [email protected] 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 [email protected] 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 [email protected] 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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’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 and lenders 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.

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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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 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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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’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 [email protected] Sign up for our Course Course Sign up for the Newsletter Meetups meetups Merch merch Get a Pre Approval G & H Mortgage Group Work 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.