The Canadian Real Estate Investor

Despite current challenges, Canada remains positioned for growth, ranking among top G7 nations in GDP, population, and employment growth. Interest rates are expected to decline to around 2.25% by spring 2025, with the Bank of Canada aiming for a soft landing. The real estate market shows signs of recovery across various sectors, with investment volumes projected to reach $48 billion in 2025. Immigration policy changes will moderate economic growth, with temporary residents reducing from 7% to 5% of the population Commercial real estate shows sector-specific trends: office spaces prioritizing experience, retail expanding to secondary markets, and industrial market working toward normalization The investment market is projected to recover with improved sentiment and increased lending activity, though with more conservative underwriting approaches Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

We look at how PropTech (property technology) companies are moving from Canada to the US market. A close look at how much bigger the US market is - with $24.7 trillion in commercial real estate and $88.9 trillion in residential real estate.  Canada offers a strong foundation for PropTech companies with its robust education system, skilled talent pool, and favorable immigration programs that foster a thriving tech ecosystem The US real estate market is over ten times larger than Canada's, but the residential mortgage market is only 6.4 times larger, indicating Canada's higher home price-to-income ratio Successful expansion requires careful market selection, strategic partnerships, and focusing on customers with high growth potential Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

Canadian real estate is showing recovery signs, with November sales up 2.8% and the first price increase in 18 months, but will it last? Winter activity has increased due to lower rates and mortgage reforms, though the recovery remains vulnerable to economic uncertainties. Sales-to-new-listings ratio rose to 59.2% in November, with inventory dropping to 3.7 months, indicating a tightening market favorable to sellers⁠⁠​ Ontario and British Columbia saw significant price drops since 2022 peak (-20% and -11% respectively), while Atlantic provinces showed strong growth⁠⁠​ Spring market performance will be crucial, with potential headwinds including economic downturn fears, slower population growth, and job losses⁠⁠​ See omnystudio.com/listener for privacy information.

This episode explores the varying lifespans of different building types, from historical structures lasting 500-1,000 years to modern commercial buildings lasting 60-80 years. It covers the economic life of buildings, including factors like location, property type, and market conditions that influence their viability.  Building materials and construction quality significantly impact longevity, with concrete structures lasting around 100 years and steel structures lasting 100-150 years. The economic life of a building depends on multiple factors including location, property management, and market conditions, affecting its ability to generate revenue over time. Regular maintenance and understanding of depreciation are crucial for extending a building's lifespan, with various components having different life expectancies, from 15 years for paint to 100 years for masonry. See omnystudio.com/listener for privacy information.

The Emerging Trends report, collaboratively produced by ULI and PWC with 175 contributors, provides comprehensive insights into various markets and asset classes across Canada⁠. While some markets struggle with high interest rates and construction costs, others like Calgary and Edmonton are benefiting from strong population growth and relative affordability⁠⁠. Toronto's condo market faces its "toughest challenge in decades" with record-high unsold inventory of 25,893 units and numerous delayed projects⁠. Calgary leads as the top real estate prospect for 2025, driven by strong population growth (87,000 new residents) and economic diversification⁠ Secondary markets like Edmonton, Saskatoon, and Winnipeg are gaining attention for their affordability and growth potential, with Edmonton ranking 4th for overall real estate prospects in 2025 Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

The Bank of Canada has made its 5th consecutive rate cut, dropping rates by 50 basis points, creating a 150bps differential with US rates - the largest since 1997⁠. While the housing market shows increased activity without price inflation⁠, there's disagreement between former governor Poloz and current governor Macklem about whether Canada is in a recession⁠. A recent poll shows Canadians prefer a strong dollar (61%) over lower interest rates (39%)⁠ The housing market is experiencing increased activity without price inflation, which the Bank of Canada views as a positive development⁠⁠​ Former BoC Governor Poloz believes Canada is in a recession, while current Governor Macklem maintains the economy is still growing, though slowly⁠⁠​ Current market conditions present opportunities for investors with falling prices and rates, but come with risks of declining rents and increasing unemployment⁠ Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

This podcast episode features interviews from the 2024 Ontario Home Builders' Association Annual Conference in Niagara Falls with key figures in Ontario's home building industry⁠, including conversations with the regulator responsible for consumer protection, builders, and other industry leaders⁠. The interviews include discussions with Wendy Moir (CEO of HCRA), Mike Memme (Chair of OHBA and Co-Owner & Operations Manager of Mountainview Building Group), Scott Andison (CEO of OHBA), Dave Depencier (Past Chair of OHBA and Owner & President of Depencier Builders), and Miyoko Oikawa (Senior Manager, Stakeholder Liaison and Technical Services at OHBA). Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

We explore the concept of rent-to-own real estate in Canada, comparing it to car leasing and explaining how it bridges the gap between renting and owning property.  Rent-to-own offers two main agreement types: a lease option agreement where tenants have the choice to buy, and a lease purchase agreement where they're obligated to buy at the end of the term⁠ The typical structure includes an upfront option fee (1-5% of home price), monthly rent payments with a portion going toward the future purchase, and a predetermined purchase price⁠ This strategy is particularly beneficial for people who can't qualify for traditional mortgages due to insufficient down payment, low credit scores, or non-traditional income sources⁠ Sign Up For The Next Webinar Realist  Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

We explore critical challenges facing the real estate market and broader economy⁠. From housing affordability concerns to visa expirations and commercial real estate trends, these developments are reshaping the Canadian market in significant ways, oh and will Canada become the 51st State?  Housing affordability remains a major concern, with projections suggesting no significant improvement until 2035⁠ A potential demographic shift looms as visa expirations could lead to significant population changes⁠ The commercial real estate sector is experiencing a transformation, with a shift towards asset management and ongoing challenges for Vancouver developers⁠ Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.

Josh Findlay of BLD Financial serves mid-sized real estate developers executing projects  in the $2M-$10M range in Canada. We discuss CMHC policy impacts, the MLI program's focus on energy efficiency and affordability, and emphasizes the need for sophisticated investment strategies and expert support. The $2M to $10M market is underserved by traditional banks, creating a significant opportunity in this "missing middle" segment⁠ ⁠​CMHC policies are constantly changing and impact financing options, requiring ongoing attention to policy updates ⁠​Risk management is crucial when dealing with high-leverage projects, emphasizing the importance of careful financial planning⁠⁠ Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch buy your next property with ai - valery.caSee omnystudio.com/listener for privacy information.