Podcasts about Reia

In this episode of REIA Radio, Owen and Ted kick things off with Thanksgiving chaos—bad smokers, ceiling fans from hell, and why home projects always take twice as long as you think. From there, they shift into real estate mode, talking through appraisal delays on Ted's car wash deal and how that impacts loan timelines and decision-making.They also break down the real value of REIA membership, including Home Depot discounts, national sponsor perks, and why most investors are quietly leaving money on the table by not using the benefits they already pay for. Ted shares the upcoming Omaha REIA price increase and how to lock in the lower rate before it changes.To wrap it up, they tease an upcoming follow-up interview with past guests Jay Kathol and Ashley Wells—diving into how much can change in just a few years, what went right, what went wrong, and how their portfolio and perspective have grown since their first appearance.If you're serious about building your network, cutting your costs, and leveling up as an investor, plug into your local REIA, grab your discounts, and make sure you're subscribed so you don't miss Wednesday's episode with Jay and AshleyYou can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

In this episode, the guys sit down with marketer and founder of Entrepreneur Addict, Matt Tompkins, to unpack the surprising overlap between addiction and entrepreneurship. They talk about the denial entrepreneurs live in (“I don't need help,” “I can do it all myself”), the fear of stepping away from the business, and what it really takes to build something that can run without you burning out in the process.Matt breaks down how most business owners are getting ripped off by marketing agencies, the red flags to watch for, and why you should stop chasing viral reels and start focusing on three simple things: your Google Business Profile, YouTube, and AI search. He explains how to demand real reports, track actual conversions (not vanity metrics), and build a brand that people trust before they ever pick up the phone.They also get into mental health, addiction, and the pressure of carrying a business on your back. Matt shares pieces of his own story, why entrepreneurs are especially prone to addictive behavior, and how telling your story openly can become your most powerful marketing asset—not just for leads, but for your own freedom.If you're a business owner who feels overwhelmed by marketing or burned by agencies, check out Matt's self-paced Entrepreneur Addict marketing roadmap—built specifically for entrepreneurs with busy, distracted brains—at entrepreneuraddict.com/REIA.If this episode hits home, share it with another entrepreneur, hit subscribe, and leave a review so we can reach more people who need to hear it.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

Good morning, good afternoon, and good evening, investors! Scott Carson here, fresh off a laptop-free Thanksgiving (a rare feat, I know!) and ready to kick some serious butt – because the year isn't over yet! While most folks are hitting the snooze button until January 1st, we're talking about making December count. If you're not already planning for a "14-month year" in 2026, you're already behind the eight ball. Forget flimsy New Year's resolutions; we're setting real goals and leveraging savvy strategies that'll make your competitors wonder what in the hell you're doing right!I recently dropped an episode with Corey Long (seriously, go listen to it!) that proved how AI is changing everything in business. And today, I'm showing you exactly how to integrate these game-changing tactics, plus some old-school smarts, to stand out from the crowd, raise capital, and find more deals than you can shake a stick at. Stop waiting for deals to fall into your lap, and let's get you in front of more eyeballs and earballs!In this episode, you'll learn:The Power of the Evergreen Pitch Deck: Don't just record your pitch deck once and forget it! Learn to update, record, and constantly rebroadcast it across YouTube, LinkedIn, and your email footers. It's your 24/7 offer machine, constantly working to attract investors and grow your brand.Become a Podcast Guesting Guru: Forget starting your own podcast (unless you want to!). Discover how being a guest on other people's shows is a credibility goldmine. Use tools like Listen Notes to find relevant podcasts, craft a compelling media one-sheet, and share your real-world case studies to reach new audiences and raise capital effectively.Leverage AI as Your Marketing Wingman: Say goodbye to writer's block! Learn how ChatGPT can craft compelling emails for IRA investors or perfect LinkedIn posts, saving you time and making your outreach sound professional. Zero excuses for not communicating your value!Strategic Networking & Goal Setting: Ditch the passive approach! Actively network at local REIA clubs and events (even holiday parties!). Plant seeds, collect business cards, and consistently follow up. Your "New Year" starts NOW – set 2-3 income-focused goals and use these weeks to lay the groundwork.Why You Must Adapt (or Get Left Behind): The market is changing, and doing business the "old way" is a recipe for mediocrity. Embrace AI, leverage social media, and find creative ways to get your message out. Most people aren't doing this, so when you do, you'll get results most only dream of.Look, you don't need a Harvard MBA to dominate. You just need to show up, be consistent, and leverage the tools available. The note business is booming, foreclosures are rising, and opportunities are everywhere for those prepared to seize them. Don't be that person nursing a turkey hangover in January!So, go out there, kick some ass, take some names, and get those podcast guest spots booked! If you want to refine your strategy or just pick my brain, hit me up at TalkWithScottCarson.com. Let's make 2026 your most productive and profitable year yet by building that credibility exponentially. Go out, take some action, and we'll see you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Canada is building homes at a record pace, but a closer look reveals a growing disconnect between what's being constructed and what Canadians actually need, want, or can afford. While total units under construction sit at all-time highs, homeowner-oriented housing tells a very different story. Single-family home starts have fallen to levels not seen since 2009, even dipping below those of 25 years ago when adjusted for population growth. Over just three months, single-family starts are down more than 9%, condo starts are down over 11%, and yet purpose-built rental construction is up more than 30%. Building permits, the clearest leading indicator show Ontario and British Columbia at a 40-year low for single-family approvals, all but guaranteeing a future shortage of that housing type. The trajectory is clear: fewer Canadians will live in single-family homes, not by choice, but by supply design.That supply shift is already reshaping the rental market. Canada now has roughly 180,000 purpose-built rental units in the pipeline, including an extraordinary 16% of British Columbia's entire rental stock currently under construction. Contrast that with 2012, when fewer than 2,000 rentals were being built nationwide. Today, that number exceeds 35,000 annually. Vacancy rates, which hit a historic low near 1.5% in 2024, have already climbed to roughly 2.5%, with growing evidence they could push into the 4% range over the coming years. Rents are responding quickly. In Metro Vancouver, average one-bedroom rents fell in November to roughly $2,164 — down 9% year-over-year — with similar declines now seen across 17 of Canada's largest metro areas. For investors, particularly institutions that piled aggressively into rental housing, this is an inflection point worth watching closely.Against this backdrop, Ottawa has rolled out its latest housing intervention: Build Canada Homes, a new federal agency aimed almost entirely at affordable rental and social housing. The program brings long-awaited clarity around income-based definitions of affordability and outlines a three-pillar strategy focused on financing, building, and industrializing housing production. But it also exposes critical blind spots. The program does not target market-rate ownership or middle-class housing. Its standardized design catalogue emphasizes low-rise, low-density buildings, often with small unit sizes, at a time when cities are short family-sized homes and need density. Innovation is championed rhetorically, yet without a clear plan to reconcile higher upfront costs with housing volume or to modernize zoning and building codes that frequently block new construction methods before they scale.Absorbing this supply would normally rely on strong population growth. That engine is stalling. Telecom data tracking mobile phone additions shows population growth slowing sharply, with 2025 on track for one of the weakest increases in over 70 years — and federal policy aimed at slowing it further.Taken together, the picture is sobering. Canada is producing housing but increasingly rentals instead of ownership, volume instead of suitability, optics instead of outcomes. Until supply aligns with real demand, regulations match ambition, and confidence is restored, the housing crisis is unlikely to ease. The question isn't just what Canada is building it's who it's being built for, and whether that answer still works. _________________________________ Contact Us To Book Your Private Consultation:

This episode is a replay from our live Omaha REIA event in early November, where Ted brings back Casey Gregersen—Wyo Houses and Bighorn Capital—for a deep dive into the Revive Method, the strategy his team is on track to use for 100 flips and roughly $5M in revenue with dramatically reduced risk.Casey breaks down how investors, wholesalers, and private lenders can all plug into this model by using the “Big 3” filters (equity, time, and value-add), structuring deals so the seller shares in the risk, and baking his profit directly into the rehab budget instead of gambling on an uncertain ARV. He walks through real case studies, the underwriting spreadsheet he uses, and why this approach protects you when interest rates, comps, or contractors don't cooperate.You'll also hear Casey's story—going from W-2 at Shell to 400+ units, 70–100 flips a year, and still coaching his kids' teams—and how systems, processes, and a clear “why” (choosing family over work) shaped the way he now builds businesses and helps other investors do the same.If you're a fix-and-flipper tired of skinny margins, a wholesaler sitting on “almost” deals, or a lender looking for better-protected opportunities, this episode gives you a playbook you can start using on your very next lead.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

Canada's housing market is being pulled in more directions than ever. Court cases, collapsing construction, political battles, and rising costs are all converging at once — and the result is a level of uncertainty we haven't seen in years. This week, we're breaking down what's making headlines, what's just noise, and what could materially reshape housing across B.C.We start in Port Coquitlam, where a decade-long Kwikwetlem land claim has resurfaced, putting major institutional sites from the Riverview lands to Gates Park, back into the legal spotlight. The case is currently paused while provincial negotiations take place, but after the recent Richmond ruling and new cases in Kamloops and Sun Peaks, municipalities are bracing for more challenges. With 95% of B.C. land unceded, these decisions could set the tone for years of litigation.Cross-border tensions are rising too. Several Alaska tribal nations have now petitioned the B.C. Supreme Court, arguing they should have a legal voice in Canadian resource projects including the Red Chris Mine, a federally fast-tracked, nation-building development. Their claim builds on the 2021 Desautel ruling, which recognized U.S.-based tribes as Aboriginal peoples of Canada. If the courts agree again, the implications for Canadian sovereignty, consultation rights, and investor confidence could be enormous.Meanwhile, housing supply is weakening. Starts are falling across B.C., with multi-family projects in larger centres down sharply. Calgary is considering reversing its citywide rezoning, Burnaby has scaled back Bill 44, and pre-sale markets continue to collapse — all of which point to even lower starts ahead. But there is one major outlier: the Heather Lands proposal has returned with towers as tall as 46 storeys, driven by a massive attainable-housing initiative involving the Province and the MST Partnership. If approved, 85% of the 4,200 homes on site would be below-market — a scale almost unprecedented in Vancouver.Demographics are shifting too. The median homebuyer age is rising rapidly, especially in the U.S., where it has surged to 59. Wealthier, older buyers are dominating the market, while first-time buyers shrink to record lows. Canada hasn't seen the same extreme jump yet, but affordability constraints suggest we're heading in that direction.On the financial side, the fallout from “Condo Day” continues as the Belvedere project in Surrey enters creditor protection, revealing just how fragile pre-sale economics have become. Nationally, CREA reports modest price increases and slightly higher sales, but Ontario's downturn continues to drag the national average lower.And finally, inflation cooled to 2.2%, but not for the reasons that matter most to homebuyers. Gas prices did the heavy lifting, while shelter costs — rent, insurance, and mortgage interest — continue pushing inflation higher. Core measures remain sticky, meaning cheaper mortgages aren't coming anytime soon.Policies, courts, construction, demographics, and financing are all colliding at once. Understanding which forces are temporary and which are structural has never been more important. This week, we break it all down — and what it means for your next move in B.C.'s housing market. _________________________________ Contact Us To Book Your Private Consultation:

In boardrooms around the world, executives invest millions in team-building retreats and quirky office perks, while shareholders ask just one thing: show us the results. Is a "great culture" just pizza parties and ping-pong tables, or is it the non-negotiable foundation for sustainable profit? What happens when you take that controversial question and force two of property management's most respected leaders to argue opposite sides? Welcome to EDGE CASE — our new debate series where we test assumptions, challenge the status quo, and expose what people really think. TODAY'S BIG QUESTION: Is company culture overrated, and are results all that really matter? THE TWIST: They flipped a coin to decide who would argue which side — they may be arguing against their own beliefs. IN THIS ROUND Tameka Smith — With over two decades in property management, she's founded and sold a boutique rent roll, been named REIA's Australian Property Manager of the Year, and was recently made an Associate of the REIA. Sophie Lyon — A 30-year industry veteran and Partner at Real+, Sophie has worked with iconic Melbourne brands and now focuses on training the next generation of property management leaders. ABOUT EDGE CASE We're here to challenge traditional thinking in an era of disruption and change. Each episode tackles a controversial topic the industry whispers about — but rarely talks about out loud. This is intellectual combat designed to make the entire real estate industry smarter. THE FORMAT: Round 1: Opening arguments Round 2: Cross-examination Round 3: Evidence bombs Round 4: Direct confrontation Round 5: Rebuttals Round 6: TRUTH REVEAL (they drop the act) VOTE: Do real estate agents still deserve their bad reputation? Cast your vote in Monday's Elite Agent Brief (http://thebrief.eliteagent.com/) SUBSCRIBE: Don't miss upcoming EDGE CASE episodes — where bold minds debate the questions that shape the future of real estate. Chapters Chapters 00:00:54 Welcome to Edge Case: Meet Your Debaters 00:07:09 Opening Statements: Culture vs Results 00:11:02 Round 2: Cross-Examination Gets Heated 00:14:36 The Data Battle: Amazon, Netflix, and Toxic Cultures 00:18:14 Final Arguments: Finding the Balance 00:21:05 Truth Reveal: What They Really Believe 00:23:42 Perks vs Authentic Culture: The Real Distinction 00:31:31 Gen Z, Expectations, and the Future of Work Connect with Tameka Smith Website: www.tamekasmith.com.au LinkedIn: https://www.linkedin.com/in/tameka-smith-084142104 Instagram: https://www.instagram.com/tamekasmith2/ Facebook: https://www.facebook.com/tamekasmithconsultingAU/ Connect with Sophie Lyon Real+: https://realplus.com.au LinkedIn: https://www.linkedin.com/in/sophielyon Discover More From Elite Agent & Samantha McLean Join the Spark Community for Innovation in Real Estate: https://spark.eliteagent.com Sign up for The Brief for Daily Real Estate News: https://thebrief.eliteagent.com Explore AI Tools, Prompts and Workflows for Real Estate: https://aipoweredagents.com Connect with Elite Agent on Socials Instagram: @eliteagentmag Twitter/X: https://x.com/eliteagentmag LinkedIn: https://www.linkedin.com/company/eliteagentmag/ #EliteAgent #ThoughtLeaders #RealEstateAI #PropertyTech #AustralianRealEstate #TamekaSmith #SophieLyon #RealEstateLeadership #RealEstateAgents

A man goes into a coma, wakes up totally paralyzed, gets fired from his job in the hospital… and somehow his investments are doing better than before.In this episode, AJ Osborne walks us through the day his body shut down from Guillain-Barré syndrome, what it felt like to wake up trapped in his own head, and the moment he realized his real estate investments were quietly keeping his family afloat while he fought to stay alive. He talks about the guilt, the pain, the look on his kids' faces the first time they saw him in the ICU—and the pride of knowing he'd built something that took care of them when he couldn't.From there, we dig into how that experience reshaped his entire mission: why he doubled down on self-storage, how he built a business that works without him, and why most people are stuck on the “earn a paycheck, hope it works out” treadmill. AJ breaks down supply and demand in housing and storage in plain English, what investors get wrong about cycles, and why owning assets (not just having a job) is the real line between security and chaos.We also get into working with family (without blowing it up), why the education system trains employees instead of owners, and how younger investors can still win in a world of high prices, high rates, and wild inequality—if they're willing to change the playbook.If this conversation punches you in the gut a little, don't just nod and move on. Share this episode with someone who's depending 100% on their job, then take one concrete step toward owning an asset this week—no matter how small. To learn more or connect with AJ, visit cedarcreekcapital.com or find him on Instagram and YouTube by searching “AJ Osborne Self Storage” or “Cedar Creek Capital.” And make sure you're subscribed to REIA Radio and plugged into your local REIA so you're not trying to figure this game out alone.You can Join the Omaha REIA - https://omahareia.com/join-todayOmaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIACheck out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/Timber Creek Virtual - https://timbercreekvirtual.com/services/MagicDoor - https://magicdoor.com/reia/...

In this episode of Medsider Radio, we sat down with Kaitlin Maier, co-founder and CEO of Reia. Reia has developed a self-managed pessary — a collapsible device that empowers women to treat pelvic organ prolapse comfortably and independently. A mechanical engineering graduate of Dartmouth, Kaitlin previously worked at Sherpa Technology Group, developing patent strategies for leading life science and technology firms. In this conversation, Kaitlin shares how she and her co-founders turned a student project into an FDA-cleared product using resource constraints as a design advantage. She explains how to turn FDA feedback into forward momentum, why running an NIH-funded randomized controlled trial (RCT) strengthened both credibility and confidence, and how non-dilutive funding can buy the time and control founders need to build on their own terms.Before we dive into the discussion, I wanted to mention a few things:First, if you're into learning from medical device and health technology founders and CEOs, and want to know when new interviews are live, head over to Medsider.com and sign up for our free newsletter.Second, if you want to peek behind the curtain of the world's most successful startups, you should consider a Medsider premium membership. You'll learn the strategies and tactics that founders and CEOs use to build and grow companies like Silk Road Medical, AliveCor, Shockwave Medical, and hundreds more!We recently introduced some fantastic additions exclusively for Medsider premium members, including playbooks, which are curated collections of our top Medsider interviews on key topics like capital fundraising and risk mitigation, and 3 packages that will help you make use of our database of 750+ life science investors more efficiently for your fundraise and help you discover your next medical device or health technology investor!In addition to the entire back catalog of Medsider interviews over the past decade, premium members also get a copy of every volume of Medsider Mentors at no additional cost, including the latest Medsider Mentors Volume VII. If you're interested, go to medsider.com/subscribe to learn more.Lastly, if you'd rather read than listen, here's a link to the full interview with Kaitlin Maier.

For years, one of the driving narratives in Canadian real estate was deceptively simple: population growth equals home-price growth. Between 2021-2023, that tailwind was unmistakable — massive immigration, booming temporary residents, and a swelling demand for housing fueled price rises across the country. But that story is now changing. The latest federal budget from Ottawa projects zero population growth for the first time in modern history — a signal that the era of “Demographic Alpha” may be over.In British Columbia, the October numbers underscore the shifting landscape. Home sales across the province dropped by 10% year-over-year, with only 6,370 units sold, yet the average price ticked up to $987,600 (a modest 0.8 % increase). At first glance, that may seem counter-intuitive—especially given the drop in the Greater Vancouver region, where prices actually fell 3.4%. What it reveals is a province where local dynamics are diverging: outside the Lower Mainland some markets are still inching up.Nationally, every province except Ontario is showing year-over-year price increases. Ontario is down about 2.9%, even though pockets within have seen drops of 30 % or more. Two regions — Newfoundland and the Northwest Territories — are up more than 10%. So while the broader narrative remains “prices rising,” it's the hyper-local story that matters.Let's go back to population. For decades, Canadian real estate bulls pointed to one immutable fact: we kept growing. New people meant new renters, new buyers, new demand — the structural scarcity argument. But Ottawa's policy shift is turning the page. Between 2020 and 2024, population growth was arguably the strongest single driver of housing returns: it boosted rentals, shortened vacancy, supported pre-construction profits. Now the federal government's reduced intake of permanent and temporary residents is removing that force. Growth dropping from 3% to near zero rewrites the math of valuations.The consequences are broader than real estate: GDP growth in recent years has largely been powered by population expansion. With shrinking labour-force growth and rising youth and newcomer unemployment already flagged by the Bank of Canada, housing demand will be impacted. In effect, immigration policy is now acting as a rate hike — cooling demand without touching interest rates. For investors and developers, the easy “demographic premium” is gone.Condo starts continue to collapse. New sales of condo units have tanked, and about 18 months later condo starts follow that trajectory. We're seeing new-home construction at 15-year lows, fewer jobs in building trades, fewer units coming to market. And then there's the demographic domino effect.So what does this all mean for you—or for anyone who's betting on real estate? The thesis of perpetual population-driven housing demand is under threat. Scarcity is no longer guaranteed. The fundamentals are shifting: slower growth means slower demand, longer lease-ups, muted appreciation. For developers, investors and agents alike: adaptation is key. The era of demographic tailwinds is fading. The question now is: who will stay ahead in the new chapter? _________________________________ Contact Us To Book Your Private Consultation:

The real estate market is shifting fast, and not every strategy that worked a few years ago still works today. In this episode, we bring together experienced investors to uncover what's really working right now for investors. Randy Thomason has been investing for over 30 years and currently operates in the Little Rock, AR market. He has vast experience in everything from wholesaling to probate and is a wealth of knowledge. In addition, he runs the largest REIA in Arkansas…the ARKREIA. Nick Monge is a broker and investor in the Denver, CO market who, for the past several years, has specialized in creative finance after discovering William's podcast and 12 House Blueprint.  He buys several houses each month in one of the most competitive markets in the country. Whether you're new to creative finance or already closing deals, this conversation will help you understand how top investors are adapting, what's changing in the market, and how to stay profitable while others struggle.

Vancouver home prices just dropped for the seventh straight month,  and the November stats paint a clear picture: momentum is fading, listings remain high, and the winter slowdown is now colliding with a wave of economic and policy turbulence. In this week's episode, we break down everything from the federal budget fallout to land title uncertainty in B.C., and what all of it means for prices heading into 2026.Let's start with Ottawa. The latest federal budget was pitched as a housing plan, but for many Canadians dreaming of ownership, it landed more like a broken promise. Funding for the Build Canada Homes program was cut nearly in half, the MURB tax incentive was quietly shelved, and the much-hyped “development charge relief” was watered down. Instead, the lion's share of new spending targets rentals and supportive housing — not ownership. Worse, the government has committed to running the largest deficit in Canadian history over the next five years. With Ottawa already paying $55 billion annually just in interest, that figure could easily double if rates stay higher for longer. For context, in the 1990s, when interest payments hit 33% of total revenue, the government faced a full-blown fiscal crisis. Today we're at 10%, but trending up — and if that number hits 20% or more, markets, rating agencies, and mortgage rates will all start reacting. The key takeaway: Canada isn't in crisis yet, but it's walking a thinner line than most realize.Meanwhile, jobs data surprised to the upside, with 67,000 positions added in October — nearly all of them part-time. Private sector hiring picked up for the first time in months, but construction jobs fell again, particularly in B.C., where the slowdown in new builds is clearly visible. In Metro Vancouver, employment dipped 0.3%, and the unemployment rate edged up to 6.3%. Economists now expect the Bank of Canada to hold rates steady into the new year. It's a signal of cautious stability — the economy isn't collapsing, but it's far from thriving.And then there's the land claim shock. A recent B.C. Supreme Court ruling recognized Aboriginal title for the Cowichan Tribes over a section of southeast Richmond — an area including roughly 150 private parcels — and struck down parts of the law that made land titles “indefeasible.” The decision, now on appeal, effectively allows two forms of ownership to co-exist on the same land — something that no lender or insurer can practically underwrite. And finally, the November housing stats. Sales rose 21% month-over-month to 2,257 — the second-strongest month of 2025 — but still sit 14% below last year and 14.5% under the 10-year average. Inventory, at 15,797 active listings, is up 13% year-over-year and sits 36% above the decade norm. The sales-to-active ratio now rests at 14%. Detached homes sit at 11%, townhomes at 19%, and condos at 16%. The HPI benchmark price dropped again, down 0.8% month-over-month and 5.1% from the March peak to $1,132,500 — the lowest level since March 2023.By the end of this episode, you'll understand where prices are heading next, how the budget's deficit math could affect mortgage rates, and why land titles — not just listings — are suddenly the biggest wildcard in B.C. real estate.Foreclosures Video: https://www.youtube.com/watch?v=feD5v2ByQQc&t=5s   _________________________________ Contact Us To Book Your Private Consultation:

This week on The Vancouver Life Real Estate Podcast — the Bank of Canada cuts rates again. But are we at the bottom of this cycle, or is another surprise still coming? As Ottawa gears up to unveil its massive 2026 federal budget, we break down how an $80 billion deficit could completely reshape Canada's interest rate path and keep borrowing costs higher for longer. What does that mean for homebuyers, investors, and renters? We'll unpack it all — from a slowing economy to a shifting housing pipeline that's seeing record rental construction, collapsing building permits, and an alarming wave of cancelled condo projects.The Bank's latest 25-basis-point cut brings the overnight rate to 2.25%, right at the bottom of its neutral range. While that offers a small reprieve for variable-rate holders, economists warn we're nearing the end of this easing cycle. With GDP growth projected at just over 1% for the next two years, and the Bank declaring that U.S. trade tariffs are “fundamentally reshaping Canada's economy,” we're entering an adjustment phase — not a boom. At the same time, the government's expected fiscal stimulus could actually push rates higher over time, as bond markets demand more to finance record-level deficits.Meanwhile, Canada's housing pipeline is starting to fracture. New single-family and condo starts are plunging while rental construction surges to all-time highs. Over 110,000 rental units are now underway — half of all new housing starts in the country — even as student demand collapses and rent incentives pile up. In contrast, homeowner-driven construction is at its lowest since 2009, setting the stage for tighter resale supply in the years ahead. The collapse in new condo sales, record cancellations, and vanishing launches in the GTA only reinforce what's coming — a short-term freeze that could sow the seeds for the next supply crunch.Mortgage renewals continue to bite, with payments rising roughly $105 per $100,000 borrowed — the steepest increase since the early '90s. Most borrowers are opting for three- to four-year fixed terms, betting that rates will be lower by mid-decade but perhaps discounting the inflationary pressures that could come with a massive budget. But with consumer confidence now at levels last seen during the financial crisis, Canadians are hesitant to make big moves — even as mortgage affordability improves to its best point since 2021.And while October's housing data shows signs of life — with sales volumes and prices at their highest levels of 2025 — the real question is whether this marks a turning point or just a temporary blip. Between fiscal stimulus, trade uncertainty, and a fragile job market, Canada's housing story is once again at a crossroads. By the end of this week's episode, you'll know exactly where this market is heading next — and how to position yourself before the next cycle begins. _________________________________ Contact Us To Book Your Private Consultation:

According to the latest data from the Canadian Real Estate Association, national home sales declined by 1.7% month-over-month in September, ending a string of steady gains that began in the spring. Even so, this was still the strongest September for sales since 2021. On a year-over-year basis, transactions were up 5.2%, while both new listings and total active listings fell 0.8%. That left just 4.4 months of inventory available nationwide — the lowest level since January, and below the long-term average of five months.The Home Price Index dropped 0.1% month-over-month and is now down 3.4% year-over-year. Average prices, meanwhile, rose a modest 0.7% compared to last year. Regionally, B.C. and Ontario are the only provinces still showing price declines, while every other province posted gains. Yukon led the pack with a 13.4% annual price increase.But when you adjust for inflation and measure from the February 2022 peak, the story changes dramatically. Real home prices in Canada are now down roughly 29%. In nominal terms, they're down 18%. Hamilton has taken the biggest hit—down about 40% after inflation—followed by the GTA and then Vancouver, which is sitting around a 20% real decline. On the flip side, Greater Moncton and Saskatoon are actually up roughly 19% nominal, or about 8% in real terms, since that same peak.The widening gap between new listings and completed sales continues to point toward more downward pressure on prices ahead. And even though affordability has “improved” from the record-breaking lows of 2024, it remains completely out of reach for most Canadians. In Vancouver, the monthly mortgage payment on a median-priced home still eats up about 87% of the median household income — a figure that's almost comically unsustainable.So where does that leave us heading into the final stretch of 2025? Will collapsing affordability finally force the next rate cut — or will the Bank hold the line, freezing the market even further? We break it all down — from record-level mortgage exposure to the cities where prices have quietly crashed 40%.This episode also marks a huge milestone — Episode 300 of The Vancouver Life Real Estate Podcast. Since launching on June 22nd, 2020, the team has released a new episode every single Saturday without missing a week. Now with over 7,000 subscribers and 70,000+ monthly views, The Vancouver Life remains one of Canada's most consistent and data-driven real estate channels.To celebrate, we're giving away our exclusive Home Seller's Manual — the guide we use to help clients sell for top dollar. It includes prep strategies, curb-appeal tips, organization hacks, and a 100-point checklist showing which areas matter most. To get your copy make sure you watch the episode and comment TOP DOLLAR.We also unpack Vancouver's sweeping new rezoning — a city-initiated move affecting over 4,000 properties across the Broadway Plan and Cambie Corridor. Projects that meet the new criteria can skip rezoning entirely, shaving up to 12 months off approval times. It's a bold step toward faster housing — but with costs high and demand soft, will developers take advantage?Episode 300 of The Vancouver Life Real Estate Podcast — available now and join the discussion about where Canada's housing market is heading next. _________________________________ Contact Us To Book Your Private Consultation:

In this episode of REIA Radio, hosts Ted Kaasch and Owen Dashner dive into their recent adventures at two major real estate events — the National REIA Owners Conference and BP Con in Las Vegas.Ted shares behind-the-scenes stories from meeting national speaker David Pickron and reveals how REIA groups nationwide are evolving. Owen breaks down his top takeaways from Chris Voss, including three negotiation “Golden Nuggets” that can change the way you approach deals, investors, and even everyday conversations.From late-night networking in New Orleans to high-level investment insights from industry pros like Brian Burke, this episode delivers a mix of humor, hard truths, and practical strategies you can use right now.

Canada's housing market is undergoing a fundamental transformation—not just in prices, but in the types of homes being built. From Toronto to Vancouver to Calgary, developers are hitting pause, construction starts are slowing, and the mix of housing completions over the next 3 to 5 years is shifting dramatically. Single-family homes and condos, the traditional pillars of Canadian homeownership, are seeing major declines in new construction, while purpose-built rentals are quietly surging to record levels.Toronto, often viewed as a leading indicator, has seen residential units under construction fall by 2.3% in just the last month and nearly 11% year-over-year. The most significant drop is in condo construction, which is down 16.4%, alongside a 17.1% decline in single-family homes. Meanwhile, purpose-built rentals have jumped 15.5% year-over-year. Vancouver and Calgary mirror this trend to varying degrees. Calgary, in particular, stands out with purpose-built rentals up nearly 55% year-over-year.This shift signals a fundamental reorientation in Canada's housing pipeline. Fewer condos and detached homes are on the horizon, while rental supply is set to expand significantly. The likely outcome is continued downward pressure on rental rates, declining returns for individual condo investors, and increased resale activity as holding becomes less attractive. At the same time, the construction of new single-family homes is virtually non-existent outside of legacy luxury pockets like Shaughnessy, West Vancouver, or Point Grey.Compounding this trend, the future pipeline is showing further weakness. Building permits have fallen 2.4% year-over-year, and when adjusted for inflation, the value of those permits has dropped by nearly 8%, representing over $560 million in reduced residential development. Single-family home permits are down over 10%, and even the more resilient multifamily sector is beginning to slow. Since peaking in December 2024, multifamily permits have declined nearly 29%.These trends suggest that despite aggressive government incentives to stimulate new housing, developers are losing confidence. Rising costs, softening demand, and bureaucratic friction are now overpowering policy carrots. This disconnect between government ambition and market risk tolerance is emerging as a critical obstacle to new supply.Nowhere is this more visible than in Burnaby. As one of the first cities to aggressively implement British Columbia's multiplex zoning legislation, Burnaby fast-tracked significant densification across formerly single-family zones. But as those projects break ground, residents are pushing back. From 4-storey laneway houses to high-density builds with zero parking, public backlash has prompted the city to reconsider.Together, these data points paint a picture of a housing market that is not just cooling, but reshaping. The supply mix is being rewritten, urban policy is facing backlash, and economic signals are increasingly bifurcated between headline strength and structural weakness. For homeowners, investors, and policymakers alike, the next chapter in Canada's housing story won't just be about prices—it will be about purpose. _________________________________ Contact Us To Book Your Private Consultation:

This week on The Vancouver Life Real Estate Podcast, the question hanging over the entire country's housing market finally takes center stage: How long will this downturn last?BMO Capital Markets has drawn a striking parallel between today's Canadian correction and the U.S. housing crash of 2007 — a comparison that has rattled even the most seasoned market watchers. Senior Economist Robert Kavcic doesn't mince words: Canada's housing bubble is now in the slow-motion phase of its deflation. Prices, he notes, have been falling for more than three years despite record population growth — a pattern eerily reminiscent of the U.S. trajectory nearly two decades ago.The difference this time? Canada's decline is unfolding more gradually, and that could make recovery slower, too. BMO's data suggest it could take another five years before prices claw their way back to prior peaks, placing today's correction somewhere between the U.S. Great Recession cycle and Ontario's prolonged 1990s slump — a potential 12-year arc from top to trough and back again. The bank calls the last decade's explosive price growth a “perfect storm” unlikely to repeat: cheap credit, pandemic migration, millennial peak demand, and speculative fervor all hitting at once. Those conditions, they argue, are gone for good.Meanwhile, Canada's rental market is flashing its own warning signs. Asking rents have fallen for a full year straight — down 3.2% nationally and more than 5% in B.C. and Alberta — with two-thirds of all purpose-built projects now dangling incentives just to fill units. Institutional landlords may weather the storm, but smaller investors are bailing out, adding even more supply to a fragile market. The slowdown is visible upstream, too. Architecture billings — a leading indicator of future construction — have fallen for 18 consecutive months across North America, the longest slide on record. In B.C., developers are pausing or cancelling projects, from downtown high-rises to suburban townhomes. The stalled Tsawwassen Town Centre redevelopment has become a case study in the friction between city councils, community character, local residents and development economics.And yet, amid the austerity, Vancouver's City Council just took an unprecedented step: approving a 0% property-tax increase for 2026. After years of back-to-back hikes totalling more than 30%, Mayor Ken Sim's administration says the city will instead “find efficiencies” to ease the strain on families and small businesses. Supporters call it relief. Critics call it unsustainable. But not all the headlines are grim. In False Creek, a shimmering symbol of Vancouver's high-end resilience emerged: the Tesoro Penthouse, a 5,000-square-foot full-floor residence with panoramic views, listed for $1,5,500,000  just sold for a record-breaking price — the most expensive sale ever recorded in the area. The transaction, closed by The Vancouver Life team, stands as a reminder that even in a cooling market, the city's top tier still commands global attention.From the deep freeze of development to the fragile thaw in rentals, this episode dissects what these parallel shifts mean for Canada's broader housing future — and whether patience, not policy, will be the only real cure for a market learning how to land. _________________________________ Contact Us To Book Your Private Consultation:

Canada's housing market is shifting faster than the headlines suggest—and not in one direction. On paper, “affordability” is improving as prices slip and the overnight rate eases to 2.5%, taking ownership costs back toward late-2021 levels. But the market isn't responding like 2021 because confidence has fractured. Job openings fell 4.2% month-over-month, construction vacancies plunged 14.3% in a single month, and there are now more Canadians on EI (~550k) than there are job postings (~460k). That backdrop makes a million-dollar decision a hard sell. Meanwhile, the presale engine that funds future supply is sputtering: the GTA's August logged just 300 new-home sales—down 42% year-over-year and 81% below the 10-year norm—with Vancouver operating at roughly a third of typical activity. Builders are finishing what's already in the ground, but not launching new projects, setting up a delayed-impact shortage later this decade even as today's prices grind lower.Policy is tightening, too. OSFI's 2026 capital rules will stop investors from “re-using” the same rental income to qualify for multiple mortgages and will push more loans into income-producing buckets that carry higher capital charges. Combined-loan products will be treated as defaulted across the bundle if one piece fails. Translation: leverage gets harder for small investors just as institutions—REITs, pensions, private equity—face fewer practical constraints and can buy at scale. The likely result is a further professionalization of the rental market and a harder path to wealth-building via real estate for the middle class. At the same time, the long-standing premium of new-build over resale is wobbling. In the U.S., resale has flipped to price above new for the first time in decades—a signal of builder discounting, smaller product mixes, and the powerful “rate-lock” effect that traps owners in ultra-low mortgages and starves resale supply. Canada is different (shorter mortgage terms), but presale discounts and “more reasonable” launch pricing are appearing here, too.Macro currents aren't providing much lift. Housing starts fell 16.3% month-over-month to a 246k pace, with rentals (≈102k) almost matching all single-family plus condo starts—unsustainable without firmer demand and cheaper capital. BC's single-family permits have collapsed to ~45-year lows, underscoring just how thin end-user appetite is at current price points. Households remain stretched: the debt-service ratio ticked up to 14.4%, near 15-year highs for interest costs, and yet arrears improved modestly and net worth rose with equity markets—an uneasy equilibrium that doesn't restore confidence. On the ground, October stats still read “slow grind”: sales in Greater Vancouver hovered ~20% below the 10-year average, months of supply kept the market balanced, days-on-market rose for a sixth straight month, and the HPI slipped again—down ~4% from March's high and back to early-2023 levels. Add it up and you get a market in reset: prices easing, presales anaemic, credit tighter for small landlords, and starts rolling over. In this episode, we unpack what that means for buyers eyeing value, sellers recalibrating expectations, and policymakers deciding whether to intervene—or let the reset run its course. _________________________________ Contact Us To Book Your Private Consultation:

Canada's housing market is being battered from every angle, and the cracks are widening into a full-blown crisis. Population growth, the single biggest driver of housing demand, has nearly stalled. Statistics Canada reported Q2 growth of just 47,000 people — a 0.1% increase and the second-slowest pace since 1946, excluding the pandemic. For a country that has leaned heavily on immigration to fuel housing, GDP, and tax revenues, this 80-year low is seismic. Developers who banked on endless inflows are now sitting on record inventories, while Vancouver and Toronto — the markets most dependent on population surges — are already showing demand erosion and softening rents.At the same time, supply battles are intensifying. Century Group's Tsawwassen redevelopment was slashed from 1,433 homes to just 600 after NIMBY pushback, despite meeting planning requirements. In Burnaby, petitions against densification threaten to stall family housing. This kind of resistance highlights how hard it will be for cities to meet ambitious housing targets.Meanwhile, renters are gaining some leverage. Vancouver rents are falling, down 9.3% year-over-year to $2,825, and rental starts have surged to record highs. Landlords are offering concessions, a sharp reversal from the bidding wars of recent years.Toronto, however, is flashing red. Power-of-sale listings — Ontario's faster foreclosure alternative — have exploded 14-fold since 2021, now averaging 140 a month and hitting a record 1,200 active listings. Distressed sales are growing while resale volumes remain stuck near generational lows.National home prices reveal a market split in two. The benchmark fell 20% from the 2022 peak to $686,800, but this correction is almost entirely in Ontario and B.C. Ontario prices are down 26%, B.C. 12% — yet eight of ten provinces hit new record highs this year, with Newfoundland leading.Zooming in, Vancouver's inventory has soared to 18,100 homes — the highest in 12 years — while the benchmark price fell for the fifth straight month. Toronto's market is drowning in inventory, with prices down $312,000 from peak. Together, these metros are dragging national averages while the rest of Canada continues to climb.This isn't just a cooling cycle — it's a structural reckoning. Population growth is slowing, supply is stalling under community resistance, rents are correcting, and distressed sales are rising. The fundamentals that fuelled Canada's boom — immigration, cheap credit, and confidence — are eroding. The fight for affordability and stability is only just beginning. _________________________________ Contact Us To Book Your Private Consultation:

Yesterday, both the U.S. Federal Reserve and the Bank of Canada cut interest rates by a quarter point. On paper it may sound small, but in reality it was a major signal. Central banks rarely move in tandem unless the global economy is flashing warning signs. In this case, the cuts were not acts of strength, but indications of a weakening economy. The Fed acted on the back of softening labour and inflation data. The Bank of Canada responded to one of the worst employment reports the country has seen since the financial crisis, alongside a GDP contraction and a decade-long stagnation in productivity.Canada has shed 106,000 jobs in just two months, the steepest decline since 2009 outside of the pandemic years. The unemployment rate sits at 7.1%, though the reality is worse given the growing number of discouraged workers who are no longer counted in the labour force. GDP shrank 1.6% on an annualized basis in the second quarter, far worse than expected (0.6%), and per capita GDP has not grown since 2016. Productivity has declined in 15 of the past 18 quarters, leaving Canada stuck while the United States continues to pull ahead. Against that backdrop, rate cuts were inevitable. They are not preemptive adjustments - rather it feels like recession management.What holds the system together in moments like these is confidence. Confidence in the housing market, confidence in the stock market, confidence in government. Yet for many Canadians, that confidence has already been shaken. Housing prices have surged far faster than wages, eroding real purchasing power year after year. Families increasingly feel that elected officials have failed them, and the erosion of trust has become a slow leak. Rate cuts might offer a momentary reprieve for borrowers, but they cannot restore confidence on their own.Vancouver, by contrast, is experiencing a rental paradox. Sales ticked up slightly in August, but remain nearly 60% below peak levels. The sales-to-new listings ratio has fallen below 40%, a threshold that historically precedes price declines. Inventory continues to rise, months of supply sit at their highest since 2012, and the price index slipped again last month. At the same time, rental construction is surging. Metro Vancouver will see a 17% increase in rental supply over the next two years, while Kelowna is on track for a staggering 33% increase. With population growth slowing, this supply wave will inevitably push vacancies higher, something Vancouver has not experienced in years. Renters will see relief in the short term, but single-family permits are at record lows, which points to severe shortages by the late 2020s and a return to undersupply by the 2030s for both asset classes.The central bank cuts will ease borrowing costs slightly, and some buyers will return to the market. But rate cuts cannot create demand where none exists, nor can they resolve structural oversupply. In fact, by keeping weak projects alive longer, they may extend the correction rather than shorten it. What truly matters is confidence. Rate cuts feel like gifts, but they are really warning signals. They tell us that fragility is here, not ahead. The question is whether we treat this fragility as a chance to reset and rebuild trust, or whether we allow confidence to erode further. Because when confidence is restored—in our homes, in our markets, and in our leaders—the system doesn't just hold. It thrives. _________________________________ Contact Us To Book Your Private Consultation:

Vancouver's rental market is undergoing substantial rental correction. For years, the story was one of relentless increases: month after month of record-high rents, bidding wars for apartments, and vacancy rates scraping along the bottom. But the tide has shifted. In fact, Vancouver has just recorded the sharpest annual drop in average asking rents among Canada's major markets. According to Rentals.ca, apartment listings in Vancouver fell nearly 10% year over year to around $2,820. One-bedroom units led the way down, declining more than 8% to an average of $2,515, while two-bedrooms also softened. The notable exception is three-bedroom units, which remain in scarce supply and saw rents climb more than 6% year over year.But while headline rents on newly listed apartments are retreating, the broader picture is more complicated. CMHC data shows that rents across the existing purpose-built rental stock in Vancouver continue to rise, up about 5.5% year over year, even as the vacancy rate nudged higher to 1.6%. That is the highest vacancy rate the region has seen in a decade, aside from the pandemic period, yet it is still well below what most economists would consider a balanced rental market. The discrepancy between falling asking rents and rising average stock rents highlights a fundamental dynamic: newcomers to the market may be finding more leverage, while existing tenants continue to see increases when they renew or adjust their leases.Another major factor reshaping the market is supply. For years, Vancouver was criticized for under-building purpose-built rental housing. That has changed. Metro Vancouver added roughly 2,467 new rental units in 2024 alone, with the City of Vancouver accounting for more than 500 of them. In fact, Vancouver represented nearly half of the region's new rental housing starts. Developers, facing more difficult financing conditions and slower condo absorption, are increasingly pivoting away from strata sales and delivering rental product instead. The result is a short-term bulge in completions that is giving renters more choice, while also forcing landlords of new projects to offer incentives like free months of rent or reduced parking fees to fill units.The question, then, is where does this market go next? The outlook is nuanced. On one hand, more supply is coming, immigration is expected to moderate, and the labour market is showing signs of strain. All of these factors point toward softer rent growth and potentially more incentives in the short term, especially in smaller, premium units that already face price resistance. On the other hand, family-sized rentals remain undersupplied, and demand for two- and three-bedroom units remains resilient. In this episode, we sit down with Keaton Bessy, owner of GVTPM, to break down what's really happening on the ground. We look at the contradictions in the data, the impact of new purpose-built supply, and the growing divide between small apartments and larger family homes. We also discuss the potential influence of interest rate cuts, the tactics landlords can use to stay competitive in a cooling market, and the kinds of concessions renters are now beginning to ask for. _________________________________ Contact Us To Book Your Private Consultation:

Canada has long lived off its mythology: a country of opportunity, stability, and growth. But 2025 is stripping away that veneer. For the first time in a generation, the country is experiencing a profound reversal of the very forces that powered its ascent — population, jobs, and GDP — and nowhere are the consequences clearer than in the housing market.Last year, more than 106,000 Canadians left the country — the largest exodus since the late 1960s. At the same time, Ontario and B.C., the twin engines of the national economy, have registered record-low population growth, a stark reversal for regions once defined by relentless inflows. This hollowing-out of the demographic base isn't just a number; it's the erosion of demand, the shrinking of ambition, and the quiet departure of the very people meant to sustain the future.The labour market tells a similar story of unraveling. Toronto's unemployment rate has breached 9% for the first time in 15 years. Construction jobs — the bedrock of Canada's housing-dependent economy — are vanishing by the tens of thousands. The irony is suffocating: even as cranes dot skylines, the hands that once built Canada's growth are being sidelined. EI claims are surging, unemployment benefits ballooning, and yet the only jobs being created are in government. Housing — once Canada's great safety blanket — now exposes the fragility. Toronto just suffered its worst July for new home sales in more than 40 years. Inventory has ballooned to nearly 60 months' supply. Sales volumes are lower than at any point in modern history, plunging beneath the brutal downturns of the 1990s. And in a historical first, more Canadians are signing leases than purchase agreements. Renting has become not just an economic choice, but an existential one: a sign that ownership, the foundation of middle-class identity, has slipped out of reach.Vancouver, long sheltered by its global allure, is not immune. September numbers reveal prices sliding for a fifth straight month, down to levels last seen in early 2023. Detached homes, once the city's crown jewel, are now weighed down by foreclosures, while days on market stretch longer with each passing month. Inventory sits well above the 10-year average, foreshadowing further declines.Meanwhile, the broader economy has hit an iceberg. GDP shrank in the second quarter, with exports collapsing nearly 8% and business investment plummeting. Machinery spending, non-residential construction, the very lifeblood of productivity, is bleeding out. What keeps the economy afloat? Government spending and consumer credit. Households dip into savings to buy cars, Ottawa borrows to mask deficits, and capital flees anything resembling long-term growth. The illusion of stability is preserved only through debt.The housing correction now unfolding is one of the sharpest on record. Real home prices are down 24% since 2022 — faster than the infamous crashes of the '80s and '90s. Affordability remains shattered, even as values fall, because incomes refuse to keep pace. What once felt like a bubble slowly deflating is beginning to look like a collapse.The story of 2025 is not just about numbers on a chart. It is about a country forced to reckon with its limits, its illusions, and its future. And the question hanging over it all: is Canada prepared for what comes after the myth of endless growth? _________________________________ Contact Us To Book Your Private Consultation:

In this replay of her keynote from the REIA Mastery Series Day, Jeri Schlickbernd delivers a powerhouse session on how to think like a true real estate CEO.With 20+ years in the game and 300+ flips under her belt, Jeri breaks down how she and her husband built a full ecosystem of income-generating businesses around their real estate portfolio—from construction and property management to sales, coaching, and short-term rentals.She shares what it took to shift her mindset from solo operator to scalable business owner—and why most investors stall out without ever making that leap.

In this week's episode, we sit down with Canada's No. 1 BMO Mortgage Specialist, Mychal Ferrera, to break down what's really happening in the housing and lending markets as we head into the fall season. Historically, autumn has been one of the busiest times of year for Canadian real estate—but 2025 is shaping up to be anything but typical. Between lingering inflation pressures, a sluggish jobs market, and whispers of a U.S. rate cut, buyers and homeowners alike are wondering whether now is the moment to act—or wait on the sidelines.Mychal offers his perspective on where fixed and variable mortgage rates are likely to trend in the coming months. With the Bank of Canada holding steady since June, and speculation mounting that further easing may be required to stimulate growth, the conversation tackles whether locking in a fixed rate still makes sense—or if a variable product may offer more flexibility in an uncertain environment. We also explore the big picture: affordability. While home prices across Canada remain, on average, about $150,000 lower than their 2022 peak, affordability is still the No. 1 barrier for many would-be buyers. Mychal shares how clients are navigating tighter budgets and what strategies lenders are using to help people make the numbers work.We revisit one of the most stressful chapters in recent mortgage history: trigger rates and payment shocks. Last year, homeowners feared widespread defaults as record-low pandemic mortgages reset into a much higher-rate world. Mychal walks us through what actually happened, how most borrowers weathered the storm, and what he's seeing now as a massive 60% of all mortgages are set to renew in 2025–2026. With billions in household debt up for repricing, the stakes are enormous—and the way Canadians respond could define the housing market for the rest of the decade.But it's not all doom and gloom. Mychal also gives us an inside look at new mortgage originations heading into fall. Are buyers cautiously stepping back into the market, hoping to snag a deal? Are refinances stabilizing? Or is the wait-and-see mentality still dominating? His insights cut through the noise and provide actionable guidance for both buyers debating their next move and homeowners staring down a renewal.Finally, we look ahead: will there even be a fall market in 2025? Activity has been muted through much of the year, but history shows Canadians can't stay on the sidelines forever. Whether it's pent-up demand, lower rates, or simply buyers adjusting to the “new normal,” this season could surprise us.This episode is a must-listen for anyone curious about where rates, affordability, and market activity are heading. _________________________________ Contact Us To Book Your Private Consultation:

Canada's housing market just dropped a fresh set of numbers, and depending on your lens, the story looks like either the start of a recovery - or the next chapter in a much longer crisis. In this episode of The Vancouver Life Real Estate Podcast, we take a comprehensive look at the national sales figures, falling rental rates, long-term home price forecasts, softening inflation, and the controversial foreign buyer ban. The narrative forming around Canadian real estate is one of contradiction - where current data trends directly oppose the longer-term projections.Starting with national home sales, July marked the fourth straight month of gains, with sales rising 3.8% month-over-month and a cumulative 11.2% increase since March. The GTA led the rebound, surging 35.5% from spring lows. Year-over-year, sales rose 6.6%. However, new listings and inventory remained virtually flat, with total active listings up 10.1% from last year. Despite these gains, sales volumes remain historically low. Benchmark prices are still down 3.4% compared to last year, though average prices are up a modest 0.6%, painting a picture of a market in limbo — balanced, but directionless.On the rental front, data from Rentals.ca and Urbannation shows a surprising national decline of 3.7% in average rents, bringing the Canadian average to $2,121/month. Vancouver saw a notable 9% drop year-over-year, with tenants now spending 37.5% of their income on rent — well above the 30% affordability threshold. One-bedroom units in North Vancouver now average $2,630, the highest in the country. However, the GTA presents a dramatically different picture. A report shows that Toronto is on track for a 235,000-unit rental deficit over the next decade, driven by a collapse in condo presales and a 50% drop in housing starts. Meanwhile, a new long-term forecast from Concordia University suggests that Vancouver detached home prices, currently averaging $2.4 million, could reach $3 million by 2032. Even if housing completions double — a goal many doubt is achievable — prices are still projected to rise to $2.8 million. On paper, this equates to a manageable 3.2% annual increase, yet it underscores the structural imbalance in supply and demand that continues to define Vancouver's market.One of the most thought-provoking topics in this episode is the renewed conversation around Canada's foreign buyer ban. Developers are lobbying to lift the ban for pre-construction units to revive sales, but public sentiment remains firmly opposed. Yet few acknowledge the irony: Canadians are the second-largest group of foreign buyers in the U.S., purchasing $6.2 billion worth of real estate in the past year. While countries like New Zealand and Switzerland restrict foreign ownership, Canadians remain free to buy abroad without similar restrictions. The U.S. has not imposed any such ban — and Canadians continue to snap up property there, especially in Florida.Ultimately, this episode doesn't offer a clean conclusion because the data doesn't either. Sales are up, but from record lows. Prices are down, but future projections remain more bullish. Rents are falling in the West but threaten to explode in the GTA in the years to come.  _________________________________ Contact Us To Book Your Private Consultation:

In this episode of "People Not Titles," host Steve Kaempf interviews Andrew Holmes, CEO and Founder of the Chicago Real Estate Investor Association, who shares his journey from struggling agent to successful investor and mentor. Holmes discusses overcoming challenges, building wealth through rentals, and the value of disciplined, long-term strategies and mentorship for financial independence.www.chicagoreia.orgPodcast Introduction(00:00:00)Welcoming Andrew Holmes (00:00:33)Andrew's Early Ambitions & Heritage (00:01:17)College Years & Self-Education (00:02:30)Influential Books & Mindset (00:03:59)Dropping Out & Early Real Estate Struggles (00:05:55)Cold Calling & Overcoming Self-Doubt (00:06:39)Perseverance & Empathy for Beginners (00:10:03)Mastering Cold Calling & Early Career Growth (00:11:05)Transition to Real Estate Professional (00:12:28)Desire to Invest & Early Financial Struggles (00:13:26)Reverse Engineering Success (00:14:33)First Investment Property & Setbacks (00:15:24)Starting Over in Chicago (00:16:10)Flipping During the Market Crash (00:18:30)First Flip Partnership & Building Confidence (00:19:35)Scaling Up Flips & Realizing the Treadmill (00:21:17)Transition to Rentals & Building Wealth (00:23:03)Chicago Real Estate Investment Association (00:27:46)Mastery Program Philosophy (00:28:27)Mastery Program Results & Approach (00:29:58)Keys to Success in Mastery (00:32:54)Building Cash Flow & Legacy (00:35:06)Accessing Mastery & Getting Started (00:39:15)Ongoing Support & Mastermind Value (00:41:13)Success Stories & Taking Action (00:43:47)Closing Remarks & Partnership (00:47:05)Podcast Outro (00:48:34)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

The Canadian real estate landscape is undergoing a tectonic shift. This week's episode dives deep into the fast-moving changes reshaping how Canadians think about buying, building, and even owning their homes. From pre-sale condo collapses to landmark legal rulings, the real estate rulebook is being rewritten in real time.Toronto's pre-construction condo market has plunged to its lowest sales levels in over 30 years. With 57 months of unsold inventory (5x the long-term average), developers are frozen. This isn't just a housing problem — it's a credit crisis. When developers can't sell, they can't refinance or start new projects, and that slowdown ripples through the economy, triggering job losses, GDP contraction, and shrinking tax revenues. Already, 22,000 construction jobs have been lost across Canada.One bold proposal gaining traction could dramatically lower the cost of new homes — without cutting a single development charge. It's called the Direct-to-Buyer Development Charge System, where instead of developers burying fees into the final home price (then layering taxes and financing costs), buyers would pay DCs directly to the city at closing. The result? On an $800,000 home, buyers could save up to $68,000. It's a rare win-win: cities keep their funding, developers lower their pricing, and buyers skip tax-on-tax penalties. But to work, all three levels of government would need to cooperate — and that's the biggest hurdle.Perhaps the most profound shift this week? The B.C. Supreme Court's decision to grant Aboriginal title over significant land in Richmond, including areas held under private and Crown ownership. For the first time, fee-simple title — the gold standard of ownership — was ruled “defective and invalid” in part. This ruling has massive implications for property law, title insurance, financing, and long-term investor confidence. An 18-month moratorium has been put in place for negotiation — but the uncertainty could put an even deeper freeze on real estate activity across B.C.From failing condo sales and falling land prices to new ownership models and legal ambiguity — the way Canadians perceive real estate is being reshaped at an unprecedented pace. Whether you're a buyer, seller, investor, or policy maker, this episode unpacks the trends, risks, and opportunities redefining the market.

Canada's Housing Market Is Hitting a Breaking Point — and the August 2025 numbers prove it.Vancouver home prices have slipped to their lowest level in over two years. Toronto prices? Wiped back to 2020 levels — erasing nearly all the gains from the pandemic boom. Inventory is piling up, sales are stagnant, and in some cases, sellers are watching hundreds of thousands in value disappear.Meanwhile, the rental market — long thought to be untouchable — is cracking. Landlords are offering months of free rent to lure tenants, vacancy rates are climbing, and incentive-adjusted rents are falling fast. Investors are quietly exiting, major developers are hitting pause, and Canada's construction pipeline is suddenly at risk.It's not just housing feeling the pinch. Job vacancies have plunged to an 8-year low, the labour market is weakening at a worrying pace, and more Canadians are putting off retirement entirely — not by choice, but because the rising cost of living has left them with little or nothing to save. The “Bank of Mom & Dad” is under strain, debt is rising among older Canadians, and an entire generation is staring down the possibility of working well into their 70s.In this episode, we break down:The August 2025 Vancouver housing stats — including the first-ever July sales increase over June in history.Why Toronto's home prices are in full reversal mode.How the rental market is shifting — and why that could mean less housing built in the years ahead.The growing economic pressures that are reshaping how Canadians live, work, and retire.The rise in foreclosures and what it signals for the months ahead.This isn't just another market update — it's a snapshot of a housing and economic system under pressure from all sides. Whether you're a homeowner, renter, investor, or simply trying to understand where Canada's economy is headed, this is an episode you can't afford to miss.Watch to the end, then let us know in the comments: Do you think this is the start of a slow decline — or a sharper correction waiting to happen? _________________________________ Contact Us To Book Your Private Consultation:

Canada's real estate industry is officially in crisis mode.In this week's episode, we break down why some of the country's most powerful developers — names like Polygon, Westbank, Beedie, and Mosaic — have joined forces to publicly plead for help. From record-breaking drops in pre-construction sales to massive project cancellations and widespread layoffs, the development industry is sounding the alarm louder than ever.Why now? Because new housing starts are collapsing. Because financing has dried up. And because if nothing changes, tens of thousands more jobs are on the line.So what are they asking for? A controversial — and potentially game-changing — solution: lifting the foreign buyer ban to unlock critical investment capital. Is this the lifeline the industry needs, or just another band-aid on a broken system?We explore both sides of this heated issue and propose alternative solutions, including government-backed construction financing to ensure new homes can still be built for Canadians — by Canadians.Plus:

What happens when precarious urban cultural laborers take data collection, laws, and policymaking into their own hands? Buskers have been part of our cities for hundreds of years, but they remain invisible to governments and in datasets. From nuisance to public art, this cultural practice can help us understand the politics of data collection, archives, regulatory frameworks, and urban planning. Busking also responds to underlying questions on the boundaries of the rights to the city, and who has a voice in shaping how our cities are planned and governed.A transnational exploration of street performance, Urban Music Governance examines the intricate limits of legality, data visibility, and resistance from the perspective of those working at the social and regulatory margins of society. Based on a decade of fieldwork in Rio de Janeiro and Montreal, this book offers a lively account of why such an often-overlooked practice matters today.By investigating the role of busking in contemporary society, Urban Music Governance presents an original interdisciplinary study that exposes how power dynamics in policymaking decide issues of access—and exclusion—around us, above and below ground. Jess Reia is an Assistant Professor of Data Science at the University of Virginia, USA, working on data justice, technology policy, and urban governance. Alex Hallbom is a Registered Professional Planner in British Columbia, Canada. He sits on the editorial board of Plan Canada, the professional publication for planners in Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

What happens when precarious urban cultural laborers take data collection, laws, and policymaking into their own hands? Buskers have been part of our cities for hundreds of years, but they remain invisible to governments and in datasets. From nuisance to public art, this cultural practice can help us understand the politics of data collection, archives, regulatory frameworks, and urban planning. Busking also responds to underlying questions on the boundaries of the rights to the city, and who has a voice in shaping how our cities are planned and governed.A transnational exploration of street performance, Urban Music Governance examines the intricate limits of legality, data visibility, and resistance from the perspective of those working at the social and regulatory margins of society. Based on a decade of fieldwork in Rio de Janeiro and Montreal, this book offers a lively account of why such an often-overlooked practice matters today.By investigating the role of busking in contemporary society, Urban Music Governance presents an original interdisciplinary study that exposes how power dynamics in policymaking decide issues of access—and exclusion—around us, above and below ground. Jess Reia is an Assistant Professor of Data Science at the University of Virginia, USA, working on data justice, technology policy, and urban governance. Alex Hallbom is a Registered Professional Planner in British Columbia, Canada. He sits on the editorial board of Plan Canada, the professional publication for planners in Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/performing-arts

What happens when precarious urban cultural laborers take data collection, laws, and policymaking into their own hands? Buskers have been part of our cities for hundreds of years, but they remain invisible to governments and in datasets. From nuisance to public art, this cultural practice can help us understand the politics of data collection, archives, regulatory frameworks, and urban planning. Busking also responds to underlying questions on the boundaries of the rights to the city, and who has a voice in shaping how our cities are planned and governed.A transnational exploration of street performance, Urban Music Governance examines the intricate limits of legality, data visibility, and resistance from the perspective of those working at the social and regulatory margins of society. Based on a decade of fieldwork in Rio de Janeiro and Montreal, this book offers a lively account of why such an often-overlooked practice matters today.By investigating the role of busking in contemporary society, Urban Music Governance presents an original interdisciplinary study that exposes how power dynamics in policymaking decide issues of access—and exclusion—around us, above and below ground. Jess Reia is an Assistant Professor of Data Science at the University of Virginia, USA, working on data justice, technology policy, and urban governance. Alex Hallbom is a Registered Professional Planner in British Columbia, Canada. He sits on the editorial board of Plan Canada, the professional publication for planners in Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/anthropology

What happens when precarious urban cultural laborers take data collection, laws, and policymaking into their own hands? Buskers have been part of our cities for hundreds of years, but they remain invisible to governments and in datasets. From nuisance to public art, this cultural practice can help us understand the politics of data collection, archives, regulatory frameworks, and urban planning. Busking also responds to underlying questions on the boundaries of the rights to the city, and who has a voice in shaping how our cities are planned and governed.A transnational exploration of street performance, Urban Music Governance examines the intricate limits of legality, data visibility, and resistance from the perspective of those working at the social and regulatory margins of society. Based on a decade of fieldwork in Rio de Janeiro and Montreal, this book offers a lively account of why such an often-overlooked practice matters today.By investigating the role of busking in contemporary society, Urban Music Governance presents an original interdisciplinary study that exposes how power dynamics in policymaking decide issues of access—and exclusion—around us, above and below ground. Jess Reia is an Assistant Professor of Data Science at the University of Virginia, USA, working on data justice, technology policy, and urban governance. Alex Hallbom is a Registered Professional Planner in British Columbia, Canada. He sits on the editorial board of Plan Canada, the professional publication for planners in Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/sociology

What happens when precarious urban cultural laborers take data collection, laws, and policymaking into their own hands? Buskers have been part of our cities for hundreds of years, but they remain invisible to governments and in datasets. From nuisance to public art, this cultural practice can help us understand the politics of data collection, archives, regulatory frameworks, and urban planning. Busking also responds to underlying questions on the boundaries of the rights to the city, and who has a voice in shaping how our cities are planned and governed.A transnational exploration of street performance, Urban Music Governance examines the intricate limits of legality, data visibility, and resistance from the perspective of those working at the social and regulatory margins of society. Based on a decade of fieldwork in Rio de Janeiro and Montreal, this book offers a lively account of why such an often-overlooked practice matters today.By investigating the role of busking in contemporary society, Urban Music Governance presents an original interdisciplinary study that exposes how power dynamics in policymaking decide issues of access—and exclusion—around us, above and below ground. Jess Reia is an Assistant Professor of Data Science at the University of Virginia, USA, working on data justice, technology policy, and urban governance. Alex Hallbom is a Registered Professional Planner in British Columbia, Canada. He sits on the editorial board of Plan Canada, the professional publication for planners in Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/music

What happens when precarious urban cultural laborers take data collection, laws, and policymaking into their own hands? Buskers have been part of our cities for hundreds of years, but they remain invisible to governments and in datasets. From nuisance to public art, this cultural practice can help us understand the politics of data collection, archives, regulatory frameworks, and urban planning. Busking also responds to underlying questions on the boundaries of the rights to the city, and who has a voice in shaping how our cities are planned and governed.A transnational exploration of street performance, Urban Music Governance examines the intricate limits of legality, data visibility, and resistance from the perspective of those working at the social and regulatory margins of society. Based on a decade of fieldwork in Rio de Janeiro and Montreal, this book offers a lively account of why such an often-overlooked practice matters today.By investigating the role of busking in contemporary society, Urban Music Governance presents an original interdisciplinary study that exposes how power dynamics in policymaking decide issues of access—and exclusion—around us, above and below ground. Jess Reia is an Assistant Professor of Data Science at the University of Virginia, USA, working on data justice, technology policy, and urban governance. Alex Hallbom is a Registered Professional Planner in British Columbia, Canada. He sits on the editorial board of Plan Canada, the professional publication for planners in Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/public-policy

What happens when precarious urban cultural laborers take data collection, laws, and policymaking into their own hands? Buskers have been part of our cities for hundreds of years, but they remain invisible to governments and in datasets. From nuisance to public art, this cultural practice can help us understand the politics of data collection, archives, regulatory frameworks, and urban planning. Busking also responds to underlying questions on the boundaries of the rights to the city, and who has a voice in shaping how our cities are planned and governed.A transnational exploration of street performance, Urban Music Governance examines the intricate limits of legality, data visibility, and resistance from the perspective of those working at the social and regulatory margins of society. Based on a decade of fieldwork in Rio de Janeiro and Montreal, this book offers a lively account of why such an often-overlooked practice matters today.By investigating the role of busking in contemporary society, Urban Music Governance presents an original interdisciplinary study that exposes how power dynamics in policymaking decide issues of access—and exclusion—around us, above and below ground. Jess Reia is an Assistant Professor of Data Science at the University of Virginia, USA, working on data justice, technology policy, and urban governance. Alex Hallbom is a Registered Professional Planner in British Columbia, Canada. He sits on the editorial board of Plan Canada, the professional publication for planners in Canada. Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling like you're working harder and getting less? You're not alone — and the numbers prove it.This week's episode of The Vancouver Life Real Estate Podcast takes a hard look at how Canada's exploding tax burden, runaway deficits, and fleeing capital are colliding with the nation's housing market. We connect the dots between Ottawa's unchecked spending, falling investor confidence, and a real estate sector stuck in a high-stakes slowdown.Let's start with the core issue: Taxes. The average Canadian household earning $114,000 now pays over $48,000 in taxes — that's 42% of gross income, up 181% since 1961 after inflation. And yet, despite this massive government take, Canada is operating without a federal budget, projecting a $92 billion deficit — possibly rising to $147 billion — one of the largest in Canadian history outside of COVID spending.The result? Investors are running. A staggering $83.8 billion in capital has fled Canada since February, 90% of it heading to the U.S. It's the largest recorded outflow in recent memory and a clear vote of no confidence in Canada's fiscal policies. Canadians themselves are turning to U.S. markets, pouring $14.2 billion into U.S. stocks in May alone, more than 4x last year's volume.Real estate is taking a direct hit. In Toronto, the new condo market is oversaturated. Urbanation forecasts over 31,000 completions in 2025 — 74% higher than the long-term average. With 64,000+ units under construction, we're building faster than we're buying. The result? Rising inventory, few new launches, and a ticking time bomb for pricing — especially if rates remain elevated.In Vancouver, the BC government has stepped in with “relief” for developers by backstopping $250 million in DCC feesto keep projects alive. But make no mistake — this isn't a discount. It's a taxpayer-funded subsidy. You are footing the bill, even as housing remains out of reach for many.Rents are shifting, too. Vancouver's 1-bedroom unfurnished rents rose $9 to $2,232/month, though still lower than last year. West Van remains highest at $2,617. But in Burnaby, rents are falling fast, down 7.6% year-over-year, with some neighbourhoods like Central Burnaby dropping over 16%.Why hasn't the market crashed yet? Equity. The average Canadian homeowner has 74% equity in their home — that's $511K on a $691K home. In Vancouver, the average homeowner sits on $868K in equity. That's why we're not seeing widespread foreclosures or a true collapse. Homeowners still have leverage — for now. Mortgage dynamics are changing. Since 2022, mortgage debt is increasing for Canadians 55+ while decreasing among those under 35. Why? Older Canadians are taking on debt to help their children — or to cover rising living costs. The “Bank of Mom & Dad” is becoming the central lender of last resort.Real estate sentiment is weak. After a short-lived spring rebound, confidence is flatlining, echoing what we're seeing in sales volumes. Buyers are hesitant, sellers are holding back, and uncertainty is the only constant.Where are rates headed? With inflation lingering and capital fleeing, don't expect the Bank of Canada to cut anytime soon. Fixed mortgage rates remain in the mid 4% range, while the U.S. holds firm at nearly 7%. The result? A stagnant, supply-heavy, high-cost housing market — with no easy way out. _________________________________ Contact Us To Book Your Private Consultation:

In this week's episode of The Vancouver Life Real Estate Podcast, we unpack a tidal wave of economic data that's painting a clear — and sobering — picture for Canada's housing and financial landscape. The big headline? There will be no rate cut in July. Inflation is ticking up again, job numbers came in scorching hot, and bond yields are surging — all of which are keeping fixed mortgage rates in the uncomfortable mid-4% range.— We begin with an announcement for homeowners: our team is hosting a live webinar that breaks down how Bill 44 (the Small-Scale Multi-Unit Housing Initiative) is reshaping Vancouver's real estate game. With over 700 building permits already submitted between Vancouver and Burnaby and projects under construction right now, homeowners can now partner with developers, leverage new zoning allowances, and walk away with up to $1 million more than a traditional home sale. Curious? We'll show you real numbers, real case studies, and a clear step-by-step process on how to get involved. Register at www.thevancouverlife.com/multiplex Next, we highlight the launch of our latest project, Sarena, a new 7-unit boutique townhome development in Richmond. Each 3-bed, 3-bath home is priced under $1M, allowing first-time buyers to claim the GST rebate while enjoying private outdoor space, timeless design, and air conditioning. Visit SarenaLiving.com for details.— On the macro side, Canada's June jobs report beat expectations, adding 83,100 jobs instead of the predicted 3,000 loss. While impressive on paper, most were part-time roles. Youth unemployment remains stuck at 14.2%, and wage growth continues to outpace inflation. Speaking of inflation — it's back up to 1.9%, and core measures remain sticky. That's why bond markets are pricing in zero chance of a July rate cut.We then shift to the June housing data for Canada: home sales are up modestly month-over-month and year-over-year, especially in the GTA. Inventory is hovering just below long-term averages, and national home prices are down only 1.3% year-over-year. It's what we call a "flatline market" — stable, slow-moving, and possibly already past the bottom of this cycle.Toronto gets its own spotlight. While condo prices are down 22% from peak and back to March 2021 levels, cash flow metrics are improving. Negative carry is down from -$950/month to -$300, and factoring in mortgage pay down, investors are now in slightly positive territory. Still, sales are tepid and inventory is high — a tipping point is coming, but we're not there yet.Then comes the gut punch: Toronto's pre-sale condo market is collapsing. Q2 saw only 502 new condo sales — a shocking 91% below the 10-year average. Over 4,300 units have been cancelled since 2024, and inventory has ballooned to 60 months of unsold stock. Developers are pulling back, new launches are rare, and some are converting to rentals to stay afloat.This episode is a wake-up call and a roadmap — whether you're a homeowner, investor, or buyer, understanding what's happening beneath the headlines is critical to making informed real estate decisions in 2025.

Even with high interest rates, record-breaking mortgage renewals, a historic surge in pre-sale inventory, and the highest resale listings we've seen in over a decade, Vancouver real estate prices haven't crashed. Over the past 12 months, prices have only declined 2.8%, and though they're down 7% from the peak three years ago, they're still up 12% compared to five years ago.So, the obvious question is: Why?Why have home prices remained so stable—especially when consumer sentiment is low, lending standards are tighter than ever, and the economic outlook feels bleak? The answer lies in a series of critical financial indicators that reveal the underlying resilience of the Canadian housing market.Let's start with household net worth, which reached a record $17.7 trillion in Q1 2025, up 0.8% in the quarter and a staggering 82% over the last decade. Debt-to-disposable income has improved to 172%—a 10-year low—and the debt servicing ratio is down from last year's peak. Most significantly, Canada's asset-to-debt ratio now stands at $6.68 to $1, near all-time highs. This means Canadians, on average, hold six times more assets than they owe in debt.This growing wealth has profound implications. Over 50% of Vancouver homes are mortgage-free. And when sellers don't get their desired price, they're increasingly choosing to delist rather than drop their asking price. In May, delistings jumped 47% year-over-year. This is not a market where sellers are forced to capitulate—many are simply choosing to wait.That said, this resilience doesn't reflect the experience of younger Canadians. Homeownership remains elusive, and as Boomers eventually look to sell, there's real concern about whether younger buyers will have the purchasing power to step in—unless wealth starts being more evenly distributed.Even insolvency data suggests a market in transition. While consumer insolvencies fell 2.6% in May, they're still 7.6% higher than pre-pandemic levels. Business insolvencies are down 13.3% year-over-year, indicating stabilization, but we're far from robust economic health.And a deeper divide is growing. The Bank of Canada's latest vulnerability report shows the highest share of delinquent borrowers in a decade—now at 2.6%. People are skipping payments on retail installment loans, credit cards, and car loans before defaulting on their mortgage or HELOC. This reflects rising stress among middle-income Canadians, the group that drives the broader economy—and that stress is slowing GDP and pushing unemployment higher.Meanwhile, developers are facing their own struggles. But a recent win: the BC government now allows 75% of development fees to be deferred until occupancy, easing the upfront financial burden. In Burnaby, for example, that could mean deferring up to $375,000 on a sixplex—money that can be used to fund construction instead.This episode breaks it all down: the financial landscape, the market psychology, the policy shifts, and what it all means for buyers, sellers, renters, and developers. Whether you're navigating the market today or preparing for what's next—this is a must-watch.Subscribe for more Vancouver real estate insights, and don't forget to check the links in the description for how to connect with us directly! _________________________________ Contact Us To Book Your Private Consultation:

In this week's Vancouver real estate update, we dive into the latest data and indicators painting a complex picture of the market. We start with the Housing Affordability Index, a measure of median household income against mortgage payments, taxes, and utilities. According to this index, Canadian homes have never actually been considered affordable—not once in the last 40 years. The most affordable period came in the late 1990s, when the metric dipped to 34%, just shy of the “ideal” target of 33%. Today, affordability sits at 55%. While that's a meaningful improvement from the record high of 63.5% in Q4 2023, it still remains well above the threshold of sustainable home ownership.Interestingly, Canadian affordability is now at the same level it was in 1990—just before a decade-long improvement in affordability followed. Whether or not that trend repeats remains to be seen. RBC's latest forecast doesn't think so. They project affordability will bottom later this year around 52%, then begin worsening again in 2026.On the inflation front, May CPI came in at 1.7%, unchanged from April. This marks the 18th consecutive month within the Bank of Canada's 1–3% target range. Core inflation registered at 2.9%, the upper end of the band but still acceptable. Mortgage interest costs remain a key driver, adding 0.4% to the CPI. It's important to note that most other countries exclude mortgage interest from their inflation basket. Without it, Canada's inflation would have been closer to 1.3%. Rented accommodations contributed 0.3%, but StatsCan's data appears to lag. While they report rents up 4.3% annually, Rentals.ca shows a 3.3% decline in the last year. Turning to interest rate expectations: markets are only pricing in a 30% chance of a rate cut at the July 30th Bank of Canada meeting. And as of now, there is just one more rate cut expected for the remainder of 2025. That outlook has cooled considerably, given earlier projections of more aggressive easing.Now to the July 2025 housing stats. Total home sales in Greater Vancouver hit 2,186 units in June, down 9.5% from last year and a staggering 26% below the 10-year average. It was the second slowest June on record—worse than the Global Financial Crisis and COVID shutdowns. This follows what was already the slowest May on record. The spring market never materialized, and current indicators suggest a muted summer and fall ahead.New listings reached 6,301 in June, up 10% year-over-year but down 5% from May. Inventory sits at 16,852 active listings, down 1% month-over-month but still 19% higher than a year ago and 44% above the 10-year average. At the time of reporting, inventory has climbed to over 18,200 active listings. The Sales-to-Active-Listings ratio remains at 13%—signaling a balanced market—for the 13th straight month. Detached homes are at 10%, townhomes at 17%, and condos at 14%.Prices continue to slide. The Home Price Index (HPI) dropped for the third straight month in 2025, down 0.3% month-over-month to $1,173,100. That puts prices 2.8% lower than one year ago. The median price stayed flat at $985,000, but remains up $70,000 year-to-date. The average price rose $9,000 to $1,275,000, its highest point in 2025, and up $68,000 YTD.The Vancouver housing market remains stable but sluggish and perhaps increasingly so. Affordability is slowly improving but remains historically poor _________________________________ Contact Us To Book Your Private Consultation:

In this week's episode, we're diving deep into one of the most dramatic real estate stories in Canadian history — the Fraser Valley housing boom and bust. During the COVID-era market frenzy, the Fraser Valley became a magnet for buyers looking to escape the city. Between 2020 and 2022, prices in cities like Abbotsford skyrocketed, with the average home price doubling from $500,000 to over $1 million in just two years. Fueled by low interest rates, remote work freedom, and the desire for more space at a better price, the Valley quickly became one of the fastest-appreciating regions in the country.But the surge didn't last.Since the Bank of Canada began raising interest rates in 2022, the Fraser Valley has undergone a rapid reversal. With interest rates now hovering around 5%, the market has softened dramatically, and prices are down approximately 25% from peak levels. In this episode, we're joined by Fraser Valley real estate advisor Conor Kelly, who walks us through the highs, lows, and what's next for this once red-hot market. From forced sales and shrinking equity to renewed commuting realities and a cooling demand, we explore how some homeowners are being pushed to sell at a loss and leave the Valley altogether.We begin by setting the stage with a look at the Fraser Valley before the pandemic. What was this market like pre-2020? And how did it shift so aggressively once the pandemic hit? Conor shares his on-the-ground insights into the feeding frenzy that took hold between 2020 and 2022, as well as how quickly sentiment shifted when interest rates started climbing.Next, we bring things to the present. The Greater Vancouver market is facing high inventory, slowing sales, and flat-to-declining prices — but is the Fraser Valley operating on a similar trajectory, or is it behaving independently? Conor compares the two markets and helps us understand how local dynamics, migration trends, and economic pressures are shaping today's Valley.We also explore an issue that's starting to impact the entire province — population decline. For the first time outside of pandemic anomalies, BC recorded a population contraction. And while Vancouver grabs the headlines, Conor breaks down how this trend is unfolding in the Valley and what it could mean for long-term demand.Then we turn to the pre-sale market, a sector facing serious challenges in Vancouver and Toronto, where developer bankruptcies and collapsing buyer confidence are freezing future supply. How is the pre-construction market faring in the Valley? Are developers hitting pause, or is there opportunity for those with longer timelines?Finally, we look ahead. What does Conor think is in store for the Fraser Valley over the next few years? Will prices rebound? Will affordability improve? And what should buyers or potential movers know before deciding to make the Valley their home?Whether you're a buyer, seller, investor, or just curious about where BC's real estate market is headed, this episode offers critical insights into one of the most volatile and revealing markets in the country. Don't miss this one — hit play to hear what's really going on in the Fraser Valley. _________________________________ Contact Us To Book Your Private Consultation:

Canada is entering a new and unfamiliar chapter—one defined not by explosive population growth, but by a dramatic slowdown that could rewrite the country's real estate narrative. In fact, Canada just recorded one of the lowest levels of population growth seen in over 70 years. Only two other quarters in modern history have posted weaker numbers: the height of pandemic lockdowns in 2020 and the global energy downturn of 2015. But now, for the first time outside of a crisis, population growth is grinding to a near halt—and the implications for housing are massive.Ontario and British Columbia—two provinces that have long driven real estate demand—actually saw population declines in Q1 2025, with Ontario contracting by 5,700 people and B.C. by 2,400. That's virtually uncharted territory for regions that typically lead the country in net migration and property price acceleration. The federal government's 2024 decision to scale back immigration targets—both temporary and permanent—has now triggered six consecutive quarters of slowing growth. Meanwhile, non-permanent resident totals dropped by over 61,000, even as deaths outpaced births by more than 5,600. What we're witnessing is a foundational demographic shift—one that's sending ripples through every corner of the housing market.This episode of The Vancouver Life Podcast dives deep into what this demographic reversal means for real estate prices, rental demand, construction starts, and investor sentiment. With record-breaking levels of purpose-built rentals under construction and fewer people arriving to occupy them, we expect continued downward pressure on rental rates. In fact, Metro Vancouver rents have dropped $114 over the past year, including $52 in the last month alone, bringing average monthly rent to $2,223. Even furnished units now offer only marginal premiums, making furniture investments for landlords a poor ROI.As demand slows, so do housing prices. Canada's national benchmark price fell for the sixth consecutive month in May, landing at $690,900—the same level we saw in May 2021 and nearly 18% below the 2022 peak. Inventory is rising, with more than 200,000 listings on the market nationwide, yet buyer sentiment remains fragile. Though sales inched up in May, they are still down over 4% year-over-year. And the only provinces seeing real price gains are smaller markets like Manitoba and Newfoundland—while the heavyweights of B.C. and Ontario drag the national average down.Housing starts are falling too. In B.C., starts dropped 29% from April to May alone. Multi-family builds fell even harder—down 33% month-over-month and 19% compared to last year. The six-month moving average for starts has dropped 30% since its peak in 2023, and that trend is expected to continue. Cities like Nanaimo and Kelowna have seen construction plummet by as much as 75% and 45%, respectively. The result? The pipeline of new housing is drying up—just as rental supply is peaking and demand is waning. _________________________________ Dan's New Channel:  www.youtube.com/@VancouversTopRealtor Ryan's New Channel: www.youtube.com/@ryan_thevancouverlife  _________________________________ Contact Us To Book Your Private Consultation:

Since the 1980s, Canadian real estate prices have increased 700% faster than wages, and the consequences of that imbalance are starting to surface across the country. In this episode, we unpack a dramatic shift in the housing market that could signal the end of a four-decade bull run. We begin with new data showing that real wages have barely moved in 43 years—up just 24%—while real estate values, even after recent declines, are still up over 160% after inflation. That divergence has fuelled inequality, made homeownership feel unattainable for younger generations, and created what some economists are now calling a return to neo-feudalism—where wealth and housing access are increasingly concentrated among the few.We also explore the Bank of Canada's recent messaging, where the odds of a rate cut in July have fallen to just 25%, with markets now pricing in only one more cut for the rest of 2025. That would leave mortgage rates not far from where they are today, providing little relief for buyers. Meanwhile, the condo pre-sale market is collapsing, especially in Toronto, where there is now over 58 months of inventory—meaning it could take until 2030 to absorb what's already built. As sales disappear, so too do new condo starts, and building permits in April dropped by 14.6% year-over-year, led by a 20.5% decline in multi-family construction, with Vancouver alone accounting for nearly $1 billion of the pullback.On the employment front, Canada's job market is flashing warning signs. The national unemployment rate rose to 7% in May, the highest in nearly a decade outside of the pandemic. Ontario hit 7.9% and Toronto 9%, with youth unemployment hitting a staggering 20.1%—the worst since the 1990s. As hiring stalls and cost pressures mount, many students and recent grads are being locked out of the workforce entirely, casting a long shadow over household formation and future housing demand. This is a leading indicator of broader economic weakness and a key reason why the housing market could be facing deeper structural problems ahead.Finally, while average rents in Canada have now fallen for eight consecutive months year-over-year, they remain 12.6% higher than just three years ago. That's a partial win for tenants, but another blow to investors who are already grappling with declining condo values and stagnant prices. Sales volumes are flat month-over-month and prices remain stable, but beneath the surface, Canada's housing fundamentals are shifting fast.This episode connects the dots between affordability, generational inequality, interest rates, and a rapidly softening condo sector. If you're a buyer, seller, investor, or simply trying to understand where Canadian real estate is headed next—this is the update you can't afford to miss. _________________________________ Contact Us To Book Your Private Consultation:

In Episode 218 of REIA Radio, we dive into the story of Nikki Klugh—a powerhouse interior designer, military spouse, investor, and community builder. From humble beginnings in Houston to becoming a finalist for San Diego Woman of the Year, Nikki shares how she transitioned from decorating rooms as a hobby to remodeling entire homes and spearheading multi-million-dollar real estate deals.You'll hear how a neighbor's offhand comment in Palo Alto planted the seed for investing, how Nikki and her husband leveraged a California property windfall to purchase 26 units in Omaha, and how she's involving her sons in building generational wealth—one unit and one system at a time. Nikki breaks down the intersection of design, investing, and tax strategy (yep—she's got professional real estate investor status with the IRS), and she dishes on why your traffic flow might matter more than your granite color.She also opens up about the challenges of restarting a business during COVID, building new community in Omaha, and how the power of intentional design and communication applies as much to family as it does to real estate.If you've ever wondered how to blend creativity with cash flow, raise kids while raising capital, or build a business that feels like purpose and not just profit—this episode's your blueprint.Reach out to Nikki Klugh:Visit https://nikkiklughdesign.comInstagram: @nikkiklughdesignFacebook: Nikki Klugh Design GroupIf you enjoyed this episode and got value from Nikki's story, help us keep the momentum going by leaving a review on Apple Podcasts or Spotify. Every rating helps us reach more real estate investors and storytellers just like you.Like what you heard? Follow us, share the episode, and don't forget to subscribe so you never miss a drop of REIA gold.You can Join the Omaha REIA - https://omahareia.com/join-today Omaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIA Check out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/RESimpli - https:...

Rebecca McLean, Executive Director of the National REIA, joins us to share key insights from REIA groups nationwide. We discuss generational investing trends, evolving wholesaling laws, and the biggest challenges investors face in 2025. From rising interest rates to regulatory shifts, this episode offers a national pulse on today's real estate market.

In Part 2 of the Real Estate Roundtable, host Joey Romero continues the conversation with REIA leaders Lisa Hoegler (LA South REIA), Larry French (CVREIA), and Dan Redig (SDCIA). They discuss their dream guest speakers, ongoing educational pursuits, and offer valuable insights into today's market sentiment. The episode wraps with predictions for 2025, practical advice for new investors, and the importance of connecting with local investor communities. For more information on this month's featured clubs and speakers, please see below:LA South Real Estate Investors AssociationSan Diego Creative Investors AssociationCoachella Valley Real Estate Investors AssociationIn this episode:REIA leaders share their dream guest speakers for investor club eventsOngoing personal education and growth strategies for real estate professionalsInsights into current market sentiment and how investors are reactingExpert predictions and economic outlook for real estate in 2025Actionable advice for new and aspiring real estate investorsThe importance of building relationships through local investor clubsThe Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

In this eye-opening episode of the Rent Perfect Podcast, host David Pickron flips the script—literally—as Scot Aubrey hijacks the mic to interview David about his first-hand experience renting by the room.  What started as a way to improve cash flow on two midterm rental condos turned into a real-world experiment full of lessons on communal living, fair housing considerations, roommate dynamics, and landlord headaches. From demanding tenants to surprise wins, David shares the challenges, red flags, and unexpected wins of diving into the rent-by-room model in today's shifting rental market.

In this episode of INVESTOR CLUB ROUNDUP SHOW  host Joey Romero sits down with REIA leaders Lisa Hoegler (LA South REIA), Larry French (CV REIA), and Dan Redig (SDCIA) for a dynamic roundtable discussion. They share how their clubs have adapted in a changing market—from flipping to finance, lunch meetups to online events, and a growing focus on ADUs. Tune in for valuable insights on local real estate trends, the power of investor communities, and how education is evolving across California's REIA landscape. For more information on this month's featured clubs and speakers, please see below:LA South Real Estate Investors AssociationSan Diego Creative Investors AssociationCoachella Valley Real Estate Investors AssociationIn this episode:Joey Romero introduces REIA leaders Lisa Hoegler (LA South REIA), Larry French (CVREIA), and Dan Redig (SDCIA)Lisa Hoegler shares LA South REIA's shift from flipping to finance and economicsLarry French discusses CVREIA's monthly meetups and local market focusDan Redig highlights SDCIA's hands-on approach and ADU trends in San DiegoREIA leaders reflect on club growth and adapting to market challengesLocal real estate investing opportunities unique to LA, Central Valley, and San DiegoThe role of community support and education in investor successImportance of dynamic speakers and staying connected through evolving formatsThe Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

In this episode of REIA Radio, we dive into the unconventional journey of Jordan Downey—from bagging ice at his family's plant and managing 10,000 hogs a day at Hormel, to becoming a CPA, tax firm partner, and savvy real estate investor. Jordan shares what it really takes to become a partner in a firm, how he learned to work smarter with his clients (and out-negotiate the other side), and why real estate is one of the best tax strategies for long-term wealth.You'll hear how his childhood in Grand Island shaped his work ethic, how living in his father-in-law's basement sparked his rental journey, and how he bought a trailer park in Missouri to build passive income. Plus, he drops serious gold on what most business owners miss when it comes to selling their companies—and why owning the real estate under your business might be the smartest move of all.It's equal parts tax insight, business acumen, and meat processing horror stories—don't miss it.If you enjoyed this episode, do us a favor: like, follow, subscribe, and leave a review. Your support helps us keep digging deep with guests like Jordan and continue bringing real, no-fluff investing stories to the REIA community. We appreciate every rating and share—it makes a huge difference.Watch us on YouTube: https://youtu.be/juW64jdGgSMYou can Join the Omaha REIA - https://omahareia.com/join-today Omaha REIA on Facebook - https://www.facebook.com/groups/OmahaREIA Check out the National REIA - https://nationalreia.org/ Find Ted Kaasch at www.tedkaasch.com Owen Dashner on Facebook https://www.facebook.com/owen.dashner Instagram - https://www.instagram.com/odawg2424/ Red Ladder Property Solutions - www.sellmyhouseinomahafast.com Liquid Lending Solutions - www.liquidlendingsolutions.com Owen's Blogs - www.otowninvestor.com www.reiquicktips.com Propstream - https://trial.propstreampro.com/reianebraska/RESimpli - https:...

Join Jason as he takes center stage in front of an enthusiastic audience in Omaha, Nebraska. During this live workshop, Jason delves into the secrets of shifting mindsets, setting ambitious targets, and breaking through barriers to achieve what might once seem impossible. Get ready to be inspired as audience members like Shanna, Mel Murray, and Owen, share their personal insights, adding layers of richness to this motivational experience. Whether you're a seasoned entrepreneur or someone rethinking their goals, this episode is packed with transformative ideas and personal anecdotes. Jason's insights could very well be the pivot point you need to elevate your life to new heights. Don't miss out on this mindset-shifting adventure! Timestamps: 00:00 "Unlocking Freedom through Mindset" 09:49 Dream Big: Shift Your Mindset 15:20 Aim Higher, Avoid Settling 16:20 "Play at an Exciting Level" 22:47 "Breaking Financial Patterns for Kids" 28:21 Mindset for Creating Desired Reality 36:21 Embracing Challenges for Future Generations 40:21 "Envisioning Personal Transformations" 49:20 Family Priorities and Travel Goals 54:12 From Tech Sales to Tony Robbins Coach 57:19 "The Price of Financial Independence" 01:05:21 Imprecise Directions and Certainty 01:08:59 Alignment Over Hard Work 01:13:10 Transcending Mindset for Transformation 01:21:41 "Processing Emotions to Relieve Stress" 01:25:48 Alignment Enables Achieving Goals 01:32:41 "Achieve the Impossible with Coaching" 01:33:28 Coaching Promotions & Contact Info ➡️ Get Coached by Jason: https://bit.ly/3USR6Gd Visit https://www.jasondreescoaching.com/ and explore what is possible: - Performance Coaching - Mindset Education & Training - Community & Peer Group - Mentoring & Mastermind