Where Should I Invest? Real Estate Investing in Canada

Opportunities and Strategies for Real Estate Financing in 2025

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Jul 4, 2025

Dalia Barsoum, the founder of Streetwise Mortgages and a specialist in income property financing, shares invaluable insights on navigating the evolving real estate climate. She discusses strategies for handling mortgage renewals in a rising rate environment and highlights hidden opportunities in Ontario's market. Dalia offers advice on vendor takebacks to mitigate appraisal gaps, and explores emerging trends like turnkey properties and student rentals generating cash flow. She also examines financing options under Bill 23 and the emergence of new investors in the landscape.

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INSIGHT

Rates Have Reset To A New Normal

Interest rates fell from their peak but likely won't return to COVID-era lows anytime soon.
Dalia Barsoum says this creates a new normal requiring strategic adjustments for investors.

ADVICE

Start Renewals Early And Get A Second Opinion

If your mortgage renewal is within six months, request an early renewal quote from your lender right away.
Then get a second opinion from a mortgage broker before signing any renewal paperwork.

INSIGHT

Pre-Construction Appraisal Gaps Are Real

Pre-construction buyers face appraisal gaps when market values fall at closing.
Dalia suggests developers sometimes fund through vendor takebacks to bridge those gaps.

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In this episode of Where Should I Invest, Sarah Larbi reconnects with mortgage expert Dalia Barsoum from Streetwise Mortgages to unpack what’s going on in real estate financing mid-2025. With over a decade of collaboration, Sarah and Dalia dive into what’s changed, what’s working, and how investors can adapt to the new economic realities.

From interest rate hikes to value drops, Dalia explains why Ontario’s market may be struggling, but also where opportunities are quietly emerging. Whether you’re worried about upcoming renewals or thinking about expanding your portfolio, this episode is a practical guide to navigating today’s investment landscape.

What You’ll Learn:

How to prepare for mortgage renewals in today’s uncertain rate environment
Why some investors are using vendor takebacks to close deals and reduce risk
Where turnkey properties, rent-to-own models, and student rentals are actually cash flowing
What financing programs exist for adding units under Bill 23 or scaling into commercial
How new investors are entering the market and where experienced ones are consolidating
Why hybrid mortgages, commercial lending, and debt consolidation strategies matter now more than ever

Dalia Barsoum is the founder of Streetwise Mortgages, a boutique mortgage brokerage that specializes in income property financing. With clients ranging from first-time investors to portfolio builders, Dalia’s team helps Canadians scale their real estate businesses with strategic lending options. A thought leader in real estate financing, Dalia is a trusted voice for investors seeking clarity in turbulent markets.

Mid-2025 is a turning point, and this episode helps you get ahead of it.

Streetwise Mortgages special webinar on “90 Days To Your First Investment”

Contact Dalia Barsoum here:
Website: https://streetwisemortgages.com/
LinkedIn: https://www.linkedin.com/in/dalia-barsoum-2020997/

This episode has been brought to you in part by:

Dalia Barsoum, Streetwise Mortgages – https://streetwisemortgages.com

US Properties – https://www.usproperties.ca
Mid Term Rentals – https://midtermrentalproperties.com

Inspire Beach Resort – https://inspirebeachresort.com
Jamil Rahemtula – https://jamilrahemtula.com

Do you need help or ideas for your own real estate investing business? Reach out and let us support your journey www.sarahlarbi.com or email sarah@sarahlarbi.com

The post Opportunities and Strategies for Real Estate Financing in 2025 first appeared on Sarah Larbi Developments.