Podcasts about CMHC

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this episode of the Commercial Real Estate Podcast, recorded live on the sidelines of the Land and Development Conference in Toronto, hosts  Aaron Cameron and Adam Powadiuk sit down with Nadine Leblanc, SVP Housing Policy and Programs at CMHC. Nadine shares how CMHC... The post Innovating Housing Finance: What's Next for CMHC with Nadine Leblanc, SVP Housing Policy and Programs at CMHC appeared first on Commercial Real Estate Podcast.

The Canada Mortgage and Housing Corporation has said it is no longer possible to return Canada to 2004 levels of housing affordability. We cannot build enough new housing supply to hit that target. So it's changing its benchmark.Rachelle Younglai covers housing and real estate for The Globe. She explains the CMHC's new approach to affordability, what they say needs to happen to improve the cost of housing and what it means for home prices and rents.Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com

In this episode, Alex McFadyen of Flow Mortgage Co. addresses whether Canada is heading for a real estate and recessionary crisis, acknowledging that many Canadians are struggling with rising rents and mortgage costs. He breaks down the CMHC Home Affordability Report, which confirms severe housing supply issues, noting an annual shortfall of 200,000 new homes and that a 2030 timeline for resolution is no longer realistic. McFadyen also clarifies misconceptions about interest rates, explaining that fixed rates are trending upwards due to sticky inflation and surging oil prices, indicating rate cuts are not imminent. Despite headlines suggesting a crisis, he points out that over the past five years, real estate values are up across the country, and he emphasizes that affordability cannot be fixed without addressing the supply issue. Ultimately, Alex advises listeners to prepare for the market rather than trying to time it, as waiting could prove more costly, and he highlights that smart investors are actively seeking opportunities in the current climate.

From 5 to 450 Doors: The Real Estate Play That Could Fund Your Future w. Mark Silenzi & Nicholas Pasquale What if you could turn a $165K investment into over $900K—and never have to manage a single tenant? Imagine earning six figures of passive income from real estate—without being a landlord, without swinging a hammer, renovating anything, or chasing deal after deal.

Falling condo prices and declining rents might seem like good news forbuyers and renters today, but CMHC's Deputy Chief Economist warns this temporary relief issetting up an even worse housing crisis in the years to come. Aled ab Iorwerth sits down withAdam & Matt to reveal the alarming dynamics behind today's condo market in both Vancouverand Toronto, with project cancellations surging and the presale financing model under severestrain in both cities. As oversupply floods the market and individual investors flee, Canada'slargest metros face a critical question about their housing future. Will today's market stagnationdoom tomorrow's supply? Are we sacrificing long-term affordability for short-term relief? Andwith CMHC projecting Vancouver needs 7,200 additional homes annually over and abovecurrent construction levels, can the city actually ramp up production when developers areretreating? Don't miss this essential wake-up call about where Vancouver's housing market istruly headed.

What if your biggest rental risk wasn't vacancy—but poor planning?   In this episode, I break down what's really going on in today's rental market and why absorption has become one of the most misunderstood challenges in real estate. I share lessons from the field, explain why there's no housing crisis—but an affordability crisis—and what that means for your next project. From luxury vacancies to tenant incentives, the game has changed, and you need to be ready.   We dive into how to run a strategic location analysis, why rental demand has to be ultra-specific, and how your unit mix and amenities impact lease-up speed. I also unpack common mistakes in pro forma planning, how CMHC can hold back your loan, and why getting real data—not just listings—makes all the difference.   Tune in to learn how developers and investors can stay ahead by understanding absorption, adjusting to real demand, and using flexibility as an edge in today's shifting market.   —   Tired of spreadsheets and admin headaches in your rental business?   If you're a real estate investor looking to simplify operations and grow your portfolio, Kompas is your new best friend. This all-in-one property management and accounting software helps you automate the tedious stuff—like receivables, renewals, and leasing—so you can focus on creating value.   Boost your cash flow, improve your NOI, cut down back-office work, and scale with confidence.  

In this episode of Make Money Count, we reveal 2 powerful real estate strategies that are helping investors thrive in today's uncertain market.

In this fun and insightful episode, Neal and Ryan welcome the newest member of the Keystone team, Sam Horstman, as he joins the show for a special quiz format. Using the recently released 2025 CMHC Mortgage Consumer Survey, Sam tests Neal and Ryan's knowledge and assumptions on key trends in the Canadian mortgage market. They cover consumer behavior, social media influence, refinancing, home buying motivations, surprising stats around HELOCs, green renovations, and more. This episode offers a deeper understanding of current market sentiment and what it means for lenders, brokers, and real estate professionals. Don't miss it!Show Notes: 01:08 – Neal and Ryan catch up and talk about pollen, ticks, and kittens03:13 – Introducing Sam Horstman, new mortgage analyst at Keystone03:57 – Sam explains the CMHC Consumer Survey and sets up the quiz format06:13 – Which province saw the biggest jump in mortgage activity?07:23 – Average renting period before buying a home08:12 - Uptick in rental property transactions09:39 – How confident are consumers in their mortgage deals?10:35 – Are Canadians comfortable with their mortgage debt?12:16 – The top reasons people decided to buy a home16:04 – YouTube vs. Instagram vs. Facebook: which platform do consumers trust most?16:50 – Top online research sources for mortgage decisions17:43 – Do more consumers go to brokers or lenders for information?20:12 – How long does it save for a down payment now?20:56 – Most valuable professional during the home buying process: the unexpected answer22:42 – How many consumers have HELOCs?23:36 – Why do people add secondary suites?24:20 – Top consumer concerns about missing mortgage payments25:22 – Most and least popular green renovations27:28 – Fixed vs. variable rates: Which do consumers prefer now?29:57 – Neal and Ryan reflect on what the data says about consumer sentimentResources:CMHC Mortgage Consumer Survey 2025Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

This week, Vince dives into the 2025 CMHC Survey. The survey reveals First-time buyers are drowning in debt. Renewers are hitting a financial wall. Refinancers are pulling equity just to survive. The 2025 CMHC Mortgage Consumer Survey is here—and the results are SHOCKING. From sky-high down payments and emotional stress, to the renewal cliff and risky refinancing trends—this is a mortgage wake-up call for every Canadian. Whether you're in Toronto, Vancouver, or beyond, this affects YOU.For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

CMHC has released the details of their 2025 Mortgage Consumer Survey, and they are fascinating!Engaging with roughly 4000 homeowners across Canada, CMHC was able to gain some insight into homebuyers and their experiences purchasing a home and owning a home within the last 18 months. A few things to note that come out of the survey. 1.) 65% of first time home buyers paid the maximum they could afford for their home. 2.) 54% of the first time home buyers shared their home purchase with someone other than their partner or spouse. (Think co-signer on the mortgage.)3.) 35% of firs time home buyers cited lawyer fees as an unexpected cost of buying their home. 4.) 41% of first time home buyers received a gifted or inherited downpayment for their home purchase. And so much more!If you wish to follow along with the CMHC 2025 mortgage consumer survey as we break it down, you can click on the links below. https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys/2025-mortgage-consumer-surveyhttps://assets.cmhc-schl.gc.ca/sites/cmhc/professional/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys/survey-results-2025/mcs-ebook-2025.pdf?_gl=1Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtorwww.infinityrealestategroup.caMatt Legatto902-240-3304matthew.legatto@indimortgages.ca

Guest: Sabrina Guay, Specialist, Client Relations, CMHC

In today's episode of The Brian Crombie Hour, Brian interviews John Pasalis. John is the President of Realosophy Realty, a Toronto real estate brokerage which uses data analysis to advise residential real estate buyers, sellers and investors. As a specialist in real estate data analysis, John's research focuses on unlocking micro trends in the Greater Toronto Area real estate market. His research has been shared with the IMF and cited by the Bank of Canada and CMHC. Additionally, he's a frequent commentator on the Toronto housing market, a real estate consumer and comments on industry issues. John holds a B.Sc. in Economics from the University of Toronto and is a candidate in the Doctorate of Business Administration Program at the University of Toronto and Henley Business School (UK). He discusses what he believes caused our housing bubble/crisis - The Great Sell Off: How Hyper-Capitalization is Driving Canada's Housing Affordability Crisis. Brian concludes his show with his own assessment of our housing crisis, causes and solution. 

Explore the challenging realities of Canada's current housing market as Alex McFadyen unpacks the latest 2025 CMHC homebuyer study. Discover why a staggering 65% of first-time homebuyers are pushing their finances to the absolute limit and how a "co-ownership boom" sees over 54% teaming up with non-traditional partners just to enter the market. In a landscape Alex calls "survival of the fittest," gain crucial insights and practical strategies to navigate these turbulent times and make smarter homebuying decisions.

In today's Wholesale Hotline (Astroflipping Edition) Jamil links up with his childhood friend in Calgary to reveal a powerful Canadian financing model that allows developers to build multi-million dollar projects with just 5% down—and even get paid during the build.. Show notes -- in this episode we'll cover: How Calgary's RCG zoning and CMHC programs create eight-unit townhome projects (4 townhomes + 4 legal basement suites) that are tax-efficient, cash flowing, and fully rentable under one title. Why 3-bedroom rentals are the hottest untapped niche in Calgary, making up only 3% of the 69,000 available rentals—perfect for young professionals, families, and co-living tenants. Full breakdown of Canadian no-money-down financing: CHMC backs up to 95% of the completed value, 50-year amortization, sub-4% interest rates, and how U.S. investors can tap in via ULCs to avoid double taxation. How one smart development deal can set up your kids with $6K–$7K/month in cash flow, cover housing, and teach them real-world business responsibility—all while compounding wealth long-term. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Astro Flipping breakout

Send us a textIn this episode, we sit down with David Roff, Vice President of Business Development at Cranson Capital, to discuss all things related to raising equity for residential real estate development. David explains the intricate differences between equity and debt in the context of real estate projects, covering various forms of financing such as construction loans, bridge loans, and mezzanine loans. He emphasizes the importance of working with experienced developers due to the complex nature of high-stakes projects. David walks us through the detailed multi-step process that Cranson Capital follows for evaluating projects, the legal structuring involved, and the crucial factors investors consider when raising capital. He also delves into common mistakes developers make and highlights key considerations for successful project financing. With insight into current real estate trends and the impact of government policies on development feasibility, this episode offers invaluable knowledge for both new and seasoned developers.  How To Raise Capital For Real Estate Development?What do investors look for in real estate deals?What is a good IRR for real estate investors?How much equity does a developer need to raiseUnderstanding Equity in Real Estate DevelopmentDeveloper's Experience and Project FeasibilityLegal and Financial StructuringUnderstanding Profit Splits in Real Estate Development. What is a Waterfall?How does CMHC financing work? Common Mistakes in Development ProjectsIndustry Challenges and TrendsTimelines and Processes for Raising CapitalCranson Capital is a boutique investment banking firm based in Toronto, specializing in private real estate investments and private capital markets. The firm provides accredited investors with exclusive access to development opportunities across the Greater Toronto Area and Southern Ontario.For more information, please refer to RealEstateDevelopmentInsights.Com.

What if the best opportunity in today's mortgage market isn't residential... but building rentals? In this episode, I sit down with David Mayrand, a broker who specializes in multifamily construction and CMHC's MLI Select program. We unpack how this powerful financing tool lets developers build purpose-built rentals with as little as 5% down—and how you, as a broker, can plug into it. Whether you want to refer these deals, run your own, or just understand how to serve investor clients better, this conversation breaks down what's working, what's changing, and where the opportunity is. If you've been looking for a way to stand out and diversify, this is a massive opportunity. We'll cover: Understanding MLI Select - How CMHC's incentive program allows builders to finance up to 95% of new rental construction—and what “affordable” really means in their model. Refinancing with 95% LTV - Why builders who use their own capital are using this program to pull equity out and build again. Construction vs. Condo Market - Why purpose-built rentals are on the rise and how they compare to the struggling condo market in major cities. Tools for Brokers - David shares a new tech portal brokers can use to run pro forma financing scenarios—even if they're brand new to multifamily. How to Work with David's Team - Whether you want to refer and earn or learn and grow, David's team has options that let you plug into their systems, stay in the loop, and get paid.   To connect with David, you can check out the links below Facebook LinkedIn https://maoki.ca/ https://portal.maoki.ca/#/login   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my 3-2-1 Thursday Email I Love Mortgage Brokering is in partnership with Ownwell.  To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.

When is the right time to buy a home? For many, it's when they feel ready—personally and financially. But even then, timing the market, understanding future price direction, and interpreting shifting economic signals can complicate the decision. In this episode, we break down everything you need to know to make a confident, informed choice about buying a home in 2025.First, we examine the all-powerful & predominant force of interest rates. The Bank of Canada held steady in April, but with two more rate cuts expected in June and September, we could see the overnight rate drop to 2.25% by year-end. Variable-rate holders may feel relief by the fall, while fixed rates have remained mostly unchanged—making the 3.99% offers available now historically attractive, even if there's potential for further dips.But rates don't act alone. Sentiment plays a massive role. Despite consumer confidence hitting all-time lows, April brought a slight rebound—too soon to call it a trend. However, business sentiment continues to deteriorate, dragging down the Real Estate Outlook Index at its fastest pace since the 2022 rate shock. Sales volumes remain sluggish, and we don't expect a sharp bounce anytime soon.Real estate moves in cycles, and Vancouver's decades-long climb may be entering a slower phase. We revisit Toronto's 1989 peak, when prices fell 27% over seven years and took 22 years to recover in inflation-adjusted dollars. Could Vancouver follow a similar path after peaking in 2022? If so, prices may not reach those highs again until 2028 or later. Buying today means thinking long-term—and accepting that appreciation might not arrive on your timeline.Meanwhile, first-time buyers are getting older. In Canada, the average is now 33—up from 32 in the early '80s—while in Ontario it's hit 40. Surprisingly, Americans, with cheaper homes but more student debt, wait even longer (age 38 on average). What's driving Canadians to buy sooner? But supply is failing to keep up. March housing starts missed expectations by 14%, and condo construction is in freefall—down 45% from last year. Remove purpose-built rentals, and we're at 15-year lows. Ontario and BC, the provinces with the greatest need, are down 38% and 30% year-over-year. CMHC says we need 3.1 million more homes by 2030. At this rate, that's a pipe dream.On top of that, inventory levels are rising, especially in the pre-sale market. Vancouver could hit 3,500 unsold new condos by year-end—a 60% surge. With investor demand almost vanished (down from 50%, then 25% and now 7%!), developers are cancelling projects, and hundreds of homes won't break ground. Even with record immigration—Toronto just became North America's fastest-growing city—new supply is evaporating.We close with a mini-market update: May sales in Vancouver are trending at a six-year low (outside of COVID lockdowns), while inventory is at an 11-year high. Median prices are up slightly, but average prices are slipping. Could this be the inflection point?So… is now the right time to buy? That depends on your goals, your timeline, and your outlook. This episode delivers the data, trends, and insights to help you decide—with eyes wide open.Are you prepared to buy with the long-term in mind, even if prices don't rise during your ownership? Let's chat about it. _________________________________ Contact Us To Book Your Private Consultation:

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this special episode of the Commercial Real Estate Podcast, hosts Aaron Cameron and Adam Powadiuk explore the evolving landscape of commercial real estate lending in Q1 2025. From CMHC's shifting rental achievement requirements to construction financing strategies and Canada Mortgage Bond program changes.... The post State of Lending: Cracking CMHC and Navigating New CRE Lending Rules in 2025 with Aaron Cameron and Adam Powadiuk appeared first on Commercial Real Estate Podcast.

ome sales in Vancouver just hit their lowest point in six years, marking yet another painful milestone in what's quickly becoming one of the most uncertain and volatile real estate markets in decades. And if you're wondering why this is happening, just look at the bigger picture—consumer confidence in Canada just hit an all-time low. That's right—lower than the depths of the Great Financial Crisis, and worse than the early pandemic panic. Business confidence is in the same horrific state, and these weren't even recorded after Trump's tariffs took effect. With those now in place, pressure is mounting on the Bank of Canada as it faces a nightmarish economic puzzle: GDP is rising, inflation is expected to heat back up, the housing market is crumbling, and record levels of debt are coming due for renewal. Meanwhile, the March real estate data for Vancouver has just dropped, and we're breaking down all the key metrics—from collapsing sales volumes to rising inventory to surprisingly resilient home prices—and analyzing what all this means for home values for the spring 2025 market.Let's talk inflation. March came in hot at 2.6%, a big jump from the previous month's 1.9%, and far above expectations. Mortgage interest costs have fallen again for the 18th straight month, but inflation is now at a seven-month high, forcing the Bank of Canada into a tightening corner. And behind the scenes, 45% of businesses expect to raise prices more than 5% this year—double what it was just six months ago. While tariffs may warrant easing, inflation is pushing back hard, and markets no longer expect a rate cut in April. Meanwhile, GDP rose again—up 0.4% in January after a 0.3% climb in December—led by energy and mining. While the headline looks positive, remember: per capita GDP has been in decline for over two years. The BOC may take these numbers at face value, but it's a fragile recovery at best.South of the border, the U.S. Fed held its rate at 4.5% last month, with possible cuts later this year. But Powell made it clear: if inflation stays sticky, high rates could persist. Their GDP forecast was revised down and inflation up. The takeaway? If the Fed cuts, Canada could follow—especially as our economic risks grow and global trade uncertainty lingers. In the mortgage world, renewals are surging—up 110% year-over-year—and projections vary widely. BMO sees rates at 2% by end of 2026, while Scotia sees no cuts until 2027. The big banks don't agree, but they're all aligned on one thing: no hikes are coming. That's welcome news for those riding variable rates or planning their next move.New housing supply is in freefall. National housing starts dropped 4% month-over-month and 12% year-over-year, but BC is the epicenter of the downturn: starts plunged 22% just last month and are down 32% from last year. In Vancouver alone, they're off by 18%. This comes at a time when building permits are at rock bottom—meaning even fewer homes will be built in the years to come. While inventory is high now, the longer-term risk is a devastating shortage. Just look at the national data going back to 1972: while population growth has doubled, housing completions have actually declined. CMHC now estimates we'll be short 3.5 million homes by 2030. Add affordability and suitability issues, and we're heading toward a full-blown housing crisis. _________________________________ Contact Us To Book Your Private Consultation:

In this episode, I welcome back my dear friend and colleague, Dr. Jennifer Londgren. Season 2 continues as Jenna shares about the experiences that drew her to the field and how her journey to professional counseling was shaped by her love for people and understanding behavior. We discuss the significance of scaling impact through writing and public speaking, as well as the integration of faith and mental health in counseling practices. The episode concludes with reflections on the importance of community support and the ongoing journey of personal and professional growth. Jenna has been a supporter and contributor to Bethany's clinical mental health program from its very inception. I am truly grateful for our friendship and collaboration. Stick around for an extended outro where I share a bit more about our recent collaboration and the CMHC program's involvement at the Christian Association for Psychological Studies International Conference that took place in Denver, CO.

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.

Reporter Sam Cooper chimes in on CMHC mentioning how they are open to giving preferred rates to foreign investors to buy real estate in order to rent to Canadians. This could have a dark result if allowed.Send a one-time contribution to the show - https://www.paypal.com/donate/?hosted_button_id=XARF5X38AMZULListen to our Podcast on the go: https://podcasters.spotify.com/pod/show/elev8podcastTikTok: https://www.tiktok.com/@elev8podcast X: https://twitter.com/TheElev8Podcast0:00 - Intro1:20 - China Hits Canada with Tariffs5:45 - Warning Given to Canadians about Carney and China12:45 - Breaking Story

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

Send us a textIn this episode, we learn about the inner workings of two critical elements of the community-based ecosystem in Trieste:  the community mental health center (CMHC) and the psychiatric unit in the city's general hospital (known as the Psychiatric Diagnostic and Treatment Services or SPDC).  Tommaso Bonavigo, is a psychiatrist at the CMHC Maddalena.  He received his education at the Università degli studi di Trieste, graduating first as a doctor (2010) and then as a psychiatrist (2016).Alessandra Oretti is the interim director of the mental health department for the city of Trieste and also serves as the head of the central hospital's psychiatric unit.  She has worked in the Trieste mental health system dating back to 1994 and received her degree from the Università degli studi di Trieste in 1998. The Azienda Sanitaria Universitaria Giuliano Isontina (ASUGI) is the Health Authority which services the Friuli Venezia Giulia region.  Oretti and Bonavigo  are part of the team of ASUGI experts in the following cooperation projects:RING project (INTEGRATED STRENGTHENING OF THE PALESTINIAN HEALTH SYSTEM) led by the Italian Agency for Development Cooperation (AICS) in the West Bank area (mainly in the psychiatric hospital of Bethlehem)DUSM project (Diritti umani e salute mentale dei detenuti ) in Albania, which means Human rights and mental health of the prisoners in Albania,  led by a consortium of Italian and Albanian NGOsCollaboration with East London Foundation Trust for developing a pilot CMHC which will remain open 24 hours In this interview, you will pick up on these themes:The importance of the therapeutic relationship which is based upon trust built up over time. How services are integrated in Trieste and the ways in which all the various people impacting a service user – the social worker, nurse, psychiatrist, police (if warranted) and others – create a team around a person.How accountability is assured through the designation of catchment areas – which denotes a territory for which the staff in a CMHC feel responsible for the people they serve. Resources: How a small Italian city became a model for mental health care. Financial Times, Sarah Neville, December 2024. Guidance from World Health Organization:  "Comprehensive mental health service networks. Promoting person-centered and rights-based approaches.”   See chapter at page 18.  

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

So, wouldn't you believe that a day after we recorded the first part of this episode in October 2024, the very next day the Federal Government announced more changes to mortgages! So obviously I had to have Matt Shallo & Matt Legatto back on the podcast to break down the second round of changes from the Federal Government. The second round of changes focuses far more on homeowers being able to access capital (debt), to be able to renovarte their homes for additional units via backyard apartments, basement apartments, secondary suites, and laneway houses. How? CMHC is allowing changes to the after renovation value, and the loan ratio to that value, once the home renovation has been finished. Basically, you're allowed an ARV (after renovation value) of $2M, and you can access up to 90% of that new value in a loan against your property. A 10% increase from the original 80% loan to value CMHC would provide. As well as a few other minor changes. Enjoy!Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtor Matt Shallo782-640-8533matthew.shallo@indimortgages.caMatt Legatto902-240-3304matthew.legatto@indimortgages.ca.

  The Canada Mortgage and Housing Corporation (CMHC) has recently released its annual rental market report, and today, we sit down with its Deputy Chief Economist, Tania Bourassa-Ochoa to discuss what the report means for the future of housing in Canada. We begin with the work of CMHC and who its target market is before diving into its 2024 rental market report. Then, we unpack the recent rise of housing supply, how Montreal is a step ahead, why the number of multifamily units is beginning to match that of studio apartments, and how rent control measures may influence tenant behaviour and market stability. To end, we explore the consequences of Canada's ageing population and the growing number of families, what policymakers and housing developers need to be doing more of to meet high demands, key trends to take note of, and the future of Canada's housing market in 2025 and beyond.     Key Points From This Episode:   The ins and outs of the Canada Mortgage and Housing Corporation (CMHC). More details on CMHC's annual rental market report.  Understanding Canada's recent rise in supply and whether this growth is sustainable.  How Montreal is leading the way.  Why the gap between the number of condo starts and purpose-built rentals is closing.  How rent control influences rent increase at turnover.  The way current housing trends influence tenant behaviour and market stability.   Canada's ageing population and the growing number of families.  The distribution of the market (from studios to multifamily) and how it's evolving. Why housing policy should address both affordability and supply at the same time.  Whether policymakers and housing developers are doing enough to meet the demand.  Key trends and indicators that policymakers and stakeholders should be paying attention to.  What we can expect from Canada's housing market in 2025.    Quotes:  “Our goal is really to provide as much information as possible to help all of the stakeholders out there to make important decisions.” — Tania Bourassa-Ochoa [0:02:08]   “The main solution will be really focused around adding more supply, and I would even say to have a steady influx of supply that comes into the market every year. That is going to help to alleviate some of the pressures that we're seeing right now, for sure.” — Tania Bourassa-Ochoa [0:12:15]   “In the end, housing needs to evolve and change over time.” — Tania Bourassa-Ochoa [0:17:35]   “I think policy needs to address both supply but also affordability, especially for those lower-to-medium-income renters.” — Tania Bourassa-Ochoa [0:20:11]   “There's definitely place for more innovation; there's place for more productivity in the construction space, for sure.” — Tania Bourassa-Ochoa [0:23:11]   Links Mentioned in Today's Episode:   Tania Bourassa-Ochoa on LinkedIn  Canada Mortgage and Housing Corporation (CMHC)   CMHC on YouTube CMHC Fall 2024 Rental Market Report  Canadian Housing Survey Rentsync  Giacomo Ladas on LinkedIn Sync or Swim Podcast Sync or Swim Email  

Whether you realize it or not, in life, the numbers matter.  In business, the numbers really matter.  In real estate, you live and die by the numbers.  As we start a new calendar year, the end of last year studies start to emerge.  The fall 2024 Canadian Rental Market Report for “Canada and Selected Markets” is out and I am diving head first into it in this episode.  Join me in today's episode as I nerd out on the Canadian rental summary for 2024 as well as 19 Census Metropolitan Areas across Canada. This episode includes the CMHC 2024 Rental Housing Report in PDF, which is attached.

Are we truly healing, or are we just managing symptoms? In this insightful episode of the Waismann Method Podcast, hosts Clare Waismann, M-RAS/SUDCC II, Dwight Hurst, CMHC, and David Livingston, LMFT, explore the difference between coping with mental health challenges and achieving deeper emotional healing. Why do some people feel like they're making progress, while others feel stuck in ongoing treatment? How can identifying and addressing repressed emotions like anger and frustration lead to relief and healing? When are coping skills necessary, and when is it time to focus on resolving deeper emotional pain? How does the way we process emotions impact mental health, addiction recovery, and overall well-being? What can individuals do to move beyond survival mode and experience true emotional progress? This episode unpacks how emotions influence mental health and recovery and explores the ways we can move past symptom management toward meaningful healing. If you've ever wondered why certain struggles persist despite therapy or coping strategies, this discussion will offer valuable insights. Episode Summary Coping vs. Healing: While coping strategies help manage immediate distress, deeper healing happens when underlying emotional patterns are recognized and addressed. The Role of Repressed Emotions: Suppressed anger, frustration, and sadness can resurface as anxiety, panic, or unhealthy coping mechanisms. Learning to process these emotions directly can create lasting relief. Balancing Coping and Resolution: Coping skills are useful, but true healing requires understanding and working through past experiences rather than just managing symptoms. Therapy as an Active Process: Effective therapy goes beyond symptom relief—it encourages emotional exploration and helps people break free from patterns that keep them stuck. A Path to Lasting Well-Being: Mental health and addiction recovery are not just about endless symptom management—they involve finding the right tools to navigate emotions, process experiences, and move forward with clarity and strength. This episode offers an eye-opening look at what it takes to move beyond coping and experience real emotional progress. Don't miss it!

Join associate audio editor Hannah as she unpacks the mental health services on campus and what they can provide for you. The CMHC provides students with many services that can fit their psychiatric needs and makes it easy to access care for your mental health. Art By Madison Tran Music: Longhorn Essentials Theme by Audrey Piczak Lakal by Blue Dot Sessions Our Lament by Blue Dot Sessions Lost Stage by Blue Dot Sessions

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.

Natasha is joined by Erika Nordfelt, LCPC, CMHC, on this episode of the Natasha Helfer Podcast. They discuss her book, "Don't Walk Alone: Understanding the Dive Gift of Connection While Navigating Shame". Erika practices in Rexburg and Picatello. For more about her and her practice, go here:  https://www.greenstonecounseling.com/   To help keep this podcast going, please consider donating at natashahelfer.com and share this episode. To watch the video of this podcast, you can subscribe to Natasha's channel on Youtube and follow her professional Facebook page at natashahelfer LCMFT, CST-S. You can find all her cool resources at natashahelfer.com.  The information shared on this program is informational and should not be considered therapy. This podcast addresses many topics around mental health and sexuality and may not be suitable for minors. Some topics may elicit a trigger or emotional response so please care for yourself accordingly. The views, thoughts and opinions expressed by our guests are their own and do not necessarily reflect the views or feelings of Natasha Helfer or the Natasha Helfer Podcast. We provide a platform for open and diverse discussions, and it is important to recognize that different perspectives may be shared. We encourage our listeners to engage in critical thinking and form their own opinions. The intro and outro music for these episodes is by Otter Creek. Thank you for listening. And remember: Symmetry is now offering Ketamine services. To find out more, go to symcounseling.com/ketamine-services.

Send us a textCody Cox, CMHC, NTP, is a licensed psychotherapist and clinical holistic nutritionist and has several years of experience assisting individuals in overcoming various mental health challenges, including depression, anxiety, chronic stress, ADHD, bipolar disorder, and PTSD.Recently, he has expanded his services to include helping people with physical ailments through holistic and functional nutrition. Cody is passionate about harnessing the body's innate healing abilities, recognizing the time- honored principle that food is medicine.He has recently developed a keen interest in metabolic health and ketogenic therapies, drawing inspiration from thought leaders across the country who champion this groundbreaking research.Currently, Cody operates a private practice in Logan, Utah, with a mission to empower individuals to take control of their own health through the self-reliant, sustainable, and affordable approach that nutrition offers.His practice at Beaver Creek Wellness helps his clients find relief from general physical ailments, fertility concerns, stress, anxiety, or depression, and shows a way to get back on track, and to feel more energized again with a sustainable solution.Find Cody at-https://beavercreekwellness.com/IG- @beavercreekwellnessPodcast- Real Food Mental HealthDISCOUNT CODE- Use PODCAST24 to save 20% for any program until the the of 2024!!Special Love to-https://www.smilingmind.com.au/https://insighttimer.com/Find Boundless Body at- myboundlessbody.com Book a session with us here!

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this episode of the Commercial Real Estate Podcast, Adam and Aaron sit down with Francis Cortellino, Chief Analyst at CMHC, to discuss Canada's housing market challenges. They explore how immigration is driving rental demand, the impact of limited supply on affordability, and the... The post Housing Crunch: Immigration, Rent, and the Future of Canadian Real Estate with Francis Cortellino, Chief Analyst at CMHC appeared first on Commercial Real Estate Podcast.

Principle Season 5 Ep 3DaLynn Moore, Licensed Clinical Mental Health Counselor, CMHC, gives key strategies to stay out of fight or flight in relationships. Find more at https://www.moore-balance.com/Dadfluence - Become the dad who can influence your child for good: https://eks.teachable.com/p/dad

Mortgage Market Update From Canada's Top Broker - Dave Butler   Canada's #1 rated mortgage broker from 2017 - 2021, frequent radio guest Dave Butler from Better Mortgage Select joins me in studio. Dave's companies have handled over 26,000 mortgage loans and $9.6 Billion involved, so he's qualified to talk about the many new changes coming to mortgage rule changes; the new mortgage changes in January 2025, and a recent market update, including rates and amortization periods, and MUCH more! This is part 1 of a 2 part hour-long conversation with Dave.    Contact: Web: http://DaveButler.ca    This episode proudly sponsored by Mayfair Law Group.   Are you a landlord or tenant in need of legal assistance? Mayfair Law Group has got you covered! Our experienced team specializes in Landlord and Tenant Board services, providing expert guidance and representation for all your Landlord or Tenant legal needs. Contact us today at 416-546-1581 and let us help you navigate the complexities of landlord and tenant law.   Other Links: WATCH the podcast! https://www.youtube.com/@gary.hibbert

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/@danielfochSee omnystudio.com/listener for privacy information.

In this episode of the Student Counselor Podcast, I speak with Mackenzie Lewis, an intern at the University of the Cumberlands' counseling program. Mack shares her educational journey transitioning from student to intern, including finding practicum sites and dealing with imposter syndrome. Mack also speaks passionately about her specialty in women's health and her plans for future education, including a potential PhD.    Don't forget to rate and subscribe to the Student Counselor podcast on your preferred platforms and follow me on Instagram @student.counselor.podcast for more insightful content and updates. --- Support this podcast: https://podcasters.spotify.com/pod/show/vitorcsouza14/support

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.

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this special episode of the Commercial Real Estate Podcast, Aaron and Adam dive into the evolving landscape of Canadian commercial real estate lending, emphasizing shifts in CMHC-insured lending, especially in apartment financing. They explore the impact of new government policies on market dynamics,... The post The State of Lending with Adam Powadiuk & Aaron Cameron appeared first on Commercial Real Estate Podcast.

In this episode of the Student Counselor Podcast, I spoke with graduate student Kelsey from Arkansas, who shares her journey from a successful career in business administration, information systems, and technology to pursuing a master's degree in Clinical Mental Health Counseling. Kelsey discusses her educational background, her shift in career focus driven by a fascination with human behavior, and her internship experiences. She highlights the challenges of balancing work, studies, and personal life, especially dealing with family crises. Kelsey also talks about the rewarding aspects of being a student therapist, her aspirations post-graduation, and how she plans to manage a future private practice alongside her consulting business. Don't forget to rate and subscribe to the Student Counselor podcast on your preferred platforms and follow me on Instagram @student.counselor.podcast for more insightful content and updates. --- Support this podcast: https://podcasters.spotify.com/pod/show/vitorcsouza14/support

In this episode of the Student Counselor Podcast, I spoke with Jasleen Grace, a Clinical Mental Health Graduate student at New Jersey City University. Jasleen shares her background and her journey towards becoming a mental health counselor, influenced by significant professor during her undergraduate studies and her personal story with disability. We talk about her first experiences in practicum and discuss her goals post-graduation.   Jasleen started a group for mental health students on Instagram. Here's the link if you want to join = https://ig.me/j/Aba6_5bpLXJYxLqf/   Don't forget to rate and subscribe to the Student Counselor podcast on your preferred platforms and follow me on Instagram @student.counselor.podcast for more insightful content and updates. --- Support this podcast: https://podcasters.spotify.com/pod/show/vitorcsouza14/support

Bookkeeping & Tax Strategies for Real Estate Agents FREE WEBINAR! https://us06web.zoom.us/meeting/register/tZ0lfu2pqjotHtd6zgfjNfKWpW7kdWP33aLu   Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

As a past CMHC underwriter Pierre-Paul Turgeon always brings some perspective to Canadian housing through the multi-unit space. On this episode we speak about a funding option geared towards apartment construction, where the current state of the housing market has us headed, and what it means for the options our kids have in the future.

This edition of the Blue Collar Roundtable we are discussing the housing crisis in Canada. I'm joined by Shane Wenzel, the CEO of Shane Holmes Group and Jocelyn Burzuik, the President of Sundance Construction. We discuss the housing crisis, the CMHC's housing accelerator fund and the red tape that is destroying the housing industry. Cornerstone Forum ‘25 https://www.showpass.com/cornerstone25/ Clothing Link: ⁠⁠⁠https://snp-8.creator-spring.com/listing/the-mashup-collection⁠⁠ Text Shaun 587-217-8500 Substack:https://open.substack.com/pub/shaunnewmanpodcast E-transfer here: shaunnewmanpodcast@gmail.com Silver Gold Bull Links: Website: https://silvergoldbull.ca/ Email: SNP@silvergoldbull.com Text Grahame: (587) 441-9100

In this episode of The Canadian Investor Podcast, we dive into the latest Canadian CPI data as inflation finally hits the Bank of Canada's 2% target for the first time in a while.  Plus, we discuss the federal government's recent changes to mortgage policies, including raising the CMHC insured mortgage cap and extending amortization periods, and how these moves will likely negatively impact affordability for Canadian home buyers. We also take a closer look at Dollarama's impressive Q2 2025 earnings, and finish off with a recap of August's ETF fund flows, highlighting a record month for precious metal ETFs.  Tickers of Stocks & ETF discussed: DOL.TO, ZGLD.TO, XUS.TO, VFV.TO, ZSP.TO, XEQT.TO, ZEQT.TO, XIC.TO, ZCN.TO, HXT.TO, HSAV.TO, CSAV.TO Canadian Real Estate Investor - How 30-Year Amortizations Will Impact Canadians (Apple Podcast) Canadian Real Estate Investor - How 30-Year Amortizations Will Impact Canadians (Spotify) Canadian Real Estate Investor - How 30-Year Amortizations Will Impact Canadians (Web player) Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Dan's Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.