The Canadian Real Estate Investor

Discover insights from a comprehensive survey of landlords and tenants revealing stark differences in their experiences and perceptions. Delve into the dramatic shifts in Canada's real estate landscape, as declining prices and cautious sentiments create a unique market atmosphere. Hear how economic uncertainty influences buyer behavior and trends, with a mix of apprehension and an emerging sense of optimism for the spring season. Ultimately, the conversation highlights the importance of understanding diverse perspectives in navigating this evolving real estate terrain.

Live from the BUZZ conference to share a handful of the amazing interviews we had with leaders in the real estate space. we discussed AI, what agents can do to stand out in this market, where the market is headed, the importance of networking and more.  Buzz Media Raz Zohar - CEO and founder of Mave Samantha Hewit - Executive Vice President of Royal LePage Signature Steve Tabrizi - CEO and Owner of RE/MAX Hallmark Group of Companies Viginia Munden - Founder of Buzz Media & the Buzz Events Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

OSFI is considering replacing the traditional mortgage stress test with a portfolio-level approach that shifts responsibility from individual borrowers to banks, limiting high loan-to-income mortgages to 15% of quarterly originations. Current stress test requires uninsured borrowers to qualify at either 5.25% or contract rate plus 2%, but OSFI found it didn't prevent accumulation of high loan-to-income mortgages. New 450% loan-to-income cap implemented January 31, 2025, restricts banks to issuing no more than 15% of quarterly mortgages to heavily indebted borrowers. Pre-construction condo market facing crisis with properties being appraised 10-30% below original purchase prices, highlighting need for regulatory oversight. Specific industries facing increased lending restrictions, including steel and aluminum workers, suggesting broader economic concerns affecting mortgage availability. Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

Despite current negative sentiment about Canada, there are significant opportunities for growth and development, particularly in natural resources and technology sectors. Resource Wealth: Canada has vast natural resources including third-largest oil reserves, largest potash reserves, and 20% of world's freshwater, creating economic stability through jobs and revenue Future Growth Drivers: Data centers are emerging as a major opportunity due to Canada's cold climate and energy resources, while population growth aims for 100 million by 2100 Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl Mortgage  See omnystudio.com/listener for privacy information.

Its our Host Episode! We have our amazing meetup hosts provide us with some boots on the ground updates. We also look at RBC's latest housing market report, which shows growing optimism across Canada, with a national recovery expected in 2025.  Surging listings in major markets  Lower interest rates, and varied regional performance, with Alberta and Quebec showing particularly strong momentum while Ontario and BC expect modest growth⁠⁠. Connect with other investors and real estate professionals, and just overall great people at meetups across the country Come To A Free Meetup Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl Mortgage    See omnystudio.com/listener for privacy information.

A deep dive into Rocket Mortgage's exit from Canada, highlighting how the Canadian banking system favours the Big Six banks. The episode also covers Hudson's Bay's creditor protection filing and CMHC's new MLI Select program restrictions, concluding with insights into Canada's most affordable cities. Key Points: Rocket Mortgage's exit demonstrates how Canada's unique mortgage system and Big Six banks' dominance creates barriers for international competitors. Hudson's Bay, North America's oldest company, files for creditor protection amid retail sector challenges. CMHC implements sudden changes to MLI Select program, affecting investors' ability to bundle single-family home purchases. 8 of the 10 most affordable markets are in the same province Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl Mortgage  See omnystudio.com/listener for privacy information.

The concerning decline in happiness among Canadians, particularly the youth, amidst a housing crisis that has significantly impacted affordability and well-being. Drawing insights from influential reports, we discuss the factors contributing to this trend and consider potential solutions, including the development of new cities to make housing more accessible. Canada has dropped in the world happiness index, with young Canadians (under 30) experiencing the steepest decline in satisfaction. Major cities like Toronto and Vancouver are among the least affordable in the world, with home prices soaring relative to income. Strategies for improving housing affordability may involve developing smaller cities to provide viable living options, rather than solely focusing on existing urban centers. Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

The financial landscape is changing and thus, so are the challenges and opportunities in the real estate investing space. We look at 4 of the best ways to finance your deals in 2025 and beyond   Vendor Take Back (VTB) financing strategies CMHC MLI Select program advantages The new Canadian government secondary suite loan program Owner-occupied high-value property financing (90% of $2M LTV) Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

What is the reality of achieving passive income through real estate investing? We examine various real estate investment strategies ranked from most active to most passive, highlighting that true passive income often requires significant upfront work, systems, and team building. Most real estate investing is not initially passive - Despite popular belief, many strategies like property flipping, short-term rentals, and direct property ownership require significant active management. Spectrum of passivity - Investment strategies range from highly active (flipping properties, Airbnb) to moderately active (syndication, partnerships) to most passive (REITs, debt investments, MICs). "Who Not How" principle - To achieve true passive income, focus on building systems and teams rather than doing everything yourself, following the principle of "who can do this" instead of "how can I do this". Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl Mortgage    See omnystudio.com/listener for privacy information.

A deep dive into the Canadian proptech industry's transformation, examining how despite funding dropping 62.5% to $300M in 2024, companies are emerging stronger with more sustainable business models. The episode explores successful case studies and the industry's shift toward practical, results-driven solutions. More than 530 proptech startups are now operating in Canada, with 80% concentrated in five major tech hubs The industry is split evenly between residential and commercial sectors (42% each), with 16% focused on construction Successful proptech solutions are showing concrete results: ParkChamp increased revenue by $1M in Calgary buildings, while EcoPilot achieved 10% energy cost reduction in Halifax Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl Mortgage  See omnystudio.com/listener for privacy information.