The Canadian Real Estate Investor

We're joined by Jessica Moorhouse to discuss all things money, real estate, investing and success, Buying vs renting What a good relationship with money and success looks like  Your "why" in business, investing & life & the concept of 'enough point', and how to find fulfillment beyond monetary success. The importance of homeownership; Buying vs renting A budget is essential for financial clarity and success. Buy Jessica's Book Visit Jessica's Website GET M DDLE SCHOOL 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.

This is a discussion about five crucial real estate investment terms for 2025. Know these, understand these and utilize them! Location remains fundamental but has evolved - investors must now consider factors like tech hubs, remote work accessibility, and infrastructure beyond just traditional metrics. DSCR (Debt Service Coverage Ratio) is crucial for evaluating investment property viability, with 1.25 being a good benchmark to ensure sufficient income to cover mortgage payments. Mortgage renewals will be significant in 2025, with 1.2 million Canadians facing renewal - preparation should start 4-6 months in advance to negotiate better terms. GET M DDLE SCHOOL 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 complexities of renting versus buying in Canada's current housing market, offering insights from both perspectives as a homeowner and strategic renter. We break down the financial implications, personal considerations, and market conditions that influence this important decision • The true cost of homeownership extends far beyond the mortgage payment, including maintenance, taxes, and opportunity costs • Higher homeownership rates don't necessarily indicate greater wealth - Switzerland's example shows renting can be part of a successful wealth-building strategy • The decision between renting and buying should align with personal goals, financial situation, and long-term plans rather than societal pressure GET M DDLE SCHOOL 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 U.S. is possibly implementing a 25% tariff on Canadian goods, with Canada announcing retaliatory measures including a $155B tariff package. This could lead to decreased exports, a weaker Canadian dollar, and higher import costs. Different regions face varying risks - Ontario's automotive sector, Alberta's energy industry, Quebec's aerospace sector, and BC's forestry industry are particularly vulnerable to tariff impacts. While the broader economy faces challenges, construction costs in Canada could decrease as materials originally meant for U.S. export get redirected to local markets at discounted prices, though this may be partially offset by Canadian retaliatory tariffs on U.S. building materials. GET M DDLE SCHOOL 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.

We sit down with BMO's Senior Economist and Director of Economics, Rob Kavcic, to ask some tough questions: How does Canada's current housing market compare to previous corrections, and what's your outlook? How will the recent 25bps Bank of Canada rate cut impact real estate and the broader economy? Are rents decreasing currently? What's driving this? Given the price and rate changes, are we approaching the optimal buying opportunity? GET M DDLE SCHOOL 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 "missing middle" housing represents a crucial opportunity in Canadian real estate, focusing on medium-density housing like duplexes, triplexes, and courtyard buildings that fill the gap between single-family homes and high-rise condos⁠⁠. The best opportunities lie in residential properties on major arterial roads in cities, where investors face less competition from first-time homebuyers⁠. This development approach requires a comprehensive team, including legal, financial, and construction professionals, along with significant experience and capital⁠ Cities across Canada are changing zoning laws to accommodate missing middle housing, with Toronto specifically upzoning main roads to allow 6-10 units without site plan and up to 30 units with site plan⁠ The target market includes young professionals, younger families, and multigenerational households seeking alternatives to expensive single-family homes and small condos⁠ Success requires a strong project team, including expertise in multifamily underwriting, CMHC MLI select program understanding, and experience in construction and property management GET M DDLE SCHOOL 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 Canadian real estate market enters 2025 facing key challenges: fluctuating rates, new laws, and economic shifts. As questions arise about recovery versus volatility, we'll explore market trends and opportunities through nationwide perspectives. The real estate market is experiencing tight inventory levels and improving prices, signaling a potential stabilization. CREA anticipates an 8.6% increase in residential property sales, fueled by anticipated interest rate stabilization and improved affordability. A notable uptick in market activity is expected, as real estate professionals and investors prepare for potential shifts in buying and selling dynamics. 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.

In this exciting episode, we take you behind the scenes of our visit to the CMHC headquarters in Ottawa, where we sit down with Chief Economist Mathieu Laberge for an in-depth conversation about Canada's housing market. From analyzing nationwide rent trends to discussing housing starts and the complex dynamics of supply and demand, this interview offers invaluable insights into the current state of Canadian housing. Join us as we explore the latest data, reports, and expert analysis from one of Canada's most important housing institutions. Whether you're a real estate professional, investor, or simply interested in understanding the housing market better, this episode provides essential context and expert perspectives on the challenges and opportunities in Canadian real estate. Featured Guest: Mathieu Laberge - Chief Economist and Senior Vice-President, Housing Insights at CMHC Key Topics: National rent trends Housing starts and supply metrics Affordability challenges Supply and demand dynamics Latest CMHC research and findings Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

The Canadian real estate market is facing significant transitions in 2025, with the Bank of Canada's policy rate at 3.25% and 60% of homeowners facing mortgage renewals over the next two years⁠. National Bank forecasts potential rate cuts followed by hikes in 2026⁠1⁠, while strong December job numbers cast doubt on anticipated rate cuts⁠1⁠. Capital gains tax changes are creating uncertainty, with the CRA moving forward with a 67% inclusion rate despite pending parliamentary approval⁠1⁠. Demographic shifts show seniors are now more likely to have mortgages than young adults, with 49% of mortgage debt held by those aged 45-64⁠ Variable-rate mortgages are expected to make a comeback in 2025 as interest rates trend downward⁠, though economic indicators and potential U.S. tariffs could impact the market Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

We examine whether foreign buyers significantly impact housing affordability and discuss the effectiveness of government measures like the foreign ownership ban. With insights into the top countries investing in Canadian real estate and a look at the opportunities Canadians pursue abroad. Impact Analysis: Evaluate how foreign investment influences housing prices and availability in Canada. Regulatory Measures: Discuss the effectiveness and loopholes of the Canadian foreign ownership ban. Global Investment Trends: Highlight the top foreign countries investing in Canada and the destinations where Canadians are investing abroad. Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

Justin Trudeau announces his resignation as Prime Minister amid a housing affordability crisis, following his father's historic "walk in the snow" forty years ago. As housing costs and mortgage rates squeeze Canadian homeowners and renters alike, the Liberal Party faces record-low polling numbers. Potential successors Freeland, Carney, and Fraser must now address the party's troubled housing legacy and propose solutions to Canada's real estate challenges. Mark Carney's background in financial markets and monetary policy positions him as a strong contender to address Canada's housing market instability and mortgage affordability crisis The Trudeau government's housing initiatives, including the Home Buyers' Bill of Rights and attempts to curb foreign investment, largely failed to contain soaring real estate prices and rental costs As housing remains a top election issue, opposition parties are gaining ground with alternative housing platforms, promising to boost supply and address affordability through various policy measures Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

Canada's rental market in 2024 saw record new construction and higher vacancy rates (2.2%), though still below historical averages. New tenants faced 23.5% rent increases, while overall two-bedroom rents rose 5.4%. Despite more availability, affordability remained challenging as new construction focused on luxury units. Calgary led rent increases, while Toronto saw slower growth due to rent control and increased supply Calgary and Edmonton saw significant construction but longer vacancy periods Rent affordability remained a challenge, particularly in Ontario where payment delinquencies increased Exchange-Traded Funds (ETFs) | BMO Global Asset ManagementSee omnystudio.com/listener for privacy information.

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.