The Canadian Real Estate Investor

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage Canadian Investor Rodeo Tickets free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageCanadian Investor Rodeo Tickets free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageCanadian Investor Rodeo Tickets free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageCanadian Investor Rodeo Tickets free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageCanadian Investor Rodeo TicketsSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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? Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

Work with Ryan & Neal at Keystone Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

This episode's second part 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. See omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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/ Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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" Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Come to our FREE Edmonton meetup Navigating Capital Event Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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. Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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) Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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". Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 Check out Rob's Website See Rob At the Globe & Mail GET M DDLE SCHOOL EVENT TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. Buy Jessica's Book Visit Jessica's Website GET M DDLE SCHOOL EVENT TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. GET M DDLE SCHOOL EVENT TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 GET M DDLE SCHOOL EVENT TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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. GET M DDLE SCHOOL EVENT TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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? GET M DDLE SCHOOL EVENT TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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 GET M DDLE SCHOOL EVENT TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

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.