The Podcast For Canadian Real Estate Investors. The podcast features in depth discussion around investing in real estate, ongoing news in the Canadian real estate market, how to structure deals and grow your portfolio. Show hosts Daniel Foch and Nick Hill bring experience, fresh takes, well-researched information and entertainment to a real estate investing podcast for Canadians.
Brandon Sage of Landlord Property Management joins us to discuss everything you need to know about owning and managing property and tenants. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Real estate searches in Canada just hit a five-year high, and Nick and Dan answer the nine questions Canadians are Googling most. Fixed vs. variable in 2026, what to do if you can't afford your renewal, where prices are headed, the best cash-flow cities, whether to incorporate your rentals, the new Airbnb rules by province, and how to save six figures on the principal residence exemption. Plus two rapid-fire bonuses: rent vs. buy, and the new 30-year amortization. No filler... just the answers. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Multiplex starts just passed tower starts in Toronto for the first time. Condos have stalled, and the big builders aren't structured to build on tight low-rise sites, while most GCs can't properly analyze them. That gap is the whole opportunity. We are joined by the founders of Reside Properties Ryan & Mattison, a Toronto developer with an unusual stack: years as a general contractor, time as MPAC counsel working with planners on highest-and-best-use, and a legal background in development. They build it, they know how the city values the land, and they know where the traps are. Zero vacancy across the portfolio. We get into the product thesis; custom-home-quality condo alternatives with dedicated entrances, separate utilities, and real millwork, and why that holds up when the market turns. Then we spend the bulk of the episode on the five ways these deals blow up: The contractor who wins on price and makes it back in extras Timeline slippage: financing, utility connections, trades, inspections Fantasy rents that kill your refinance Building the wrong units for the micro-market One zoning misstep that turns $30K in DCs into $200K Plus how Reside partners with landowners, and why the hard part has permanently shifted from approvals to execution. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
The Bank of Canada held its policy rate at 2.25 per cent again. Does that make fixed or variable the better mortgage choice in 2026, and could the next move still be a rate hike? Daniel and Nick break down the fixed-versus-variable decision, the July 2026 Monetary Policy Report, inflation, growth, housing weakness, Government of Canada bond yields, and why CMHC MLI Select financing responds to more than the overnight rate. We also explain what investors should stress-test before buying, how lender spreads affect multi-unit debt, and why a rate forecast cannot rescue weak NOI or a bad purchase price. Sources include the Bank of Canada July rate decision, July 2026 MPR, official Government of Canada benchmark-yield data, and CMHC MLI Select materials. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Nick and Daniel debate cash flow vs. appreciation in Canada's flat 2026 market, prices 21% off peak, near-zero population growth, a $400B renewal wall, and falling rents. They start in opposite corners but land on the same truth: there is no "Canadian market" anymore. Ontario and BC are falling while seven provinces hit record highs, so the winning strategy depends entirely on which "Canada" you're buying in. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
The average first-time homebuyer in Ontario is now 40 years old, according to Teranet's Q1 2026 Market Insights report. At the same time, first-time buyers became the most active buyer segment in Ontario, while multi-property owners fell from first place to third. In this episode, we use Ontario as the case study, then widen the lens nationally. Bank of Canada data shows first-time buyers have generally accounted for about half of mortgaged home purchases in Canada since 2014. CMHC's 2026 Mortgage Consumer Survey shows first-time buyers are renting longer before buying, relying on co-signers, and still getting help from family gifts. CREA's latest national resale data shows a market thawing, but not booming. This is not just an Ontario affordability story. It is a national buyer-quality story. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Most small landlord disasters don't come from bad properties — they come from good properties run like a hobby. This is the unsexy episode that saves five-doors-or-fewer landlords more money than any reno or refi. We break down the systems that actually matter: bookkeeping that tracks real cash flow, the insurance gaps that get claims quietly denied, and tenant screening that keeps you legal and paid. Then we go province by province on deposits, tribunals, dispute timelines, and 2026 rent-control numbers across Ontario, BC, Alberta, Quebec, and Atlantic Canada, closing with when to stop self-managing and the five biggest mistakes we see on repeat. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Canada finally agrees housing is broken, but nobody wants to admit what fixing it costs. RBC says buyers stopped waiting for perfect. Teranet shows 36% of 2022 Ontario buyers reselling at a loss. OSFI loosened bank buffers, population fell a third straight quarter, and B.C. is fighting over a condo bailout. One question ties it together: who takes the loss? TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
In this episode, we get real about why we take our events across the country it's not about selling courses from the back of the room, it's about the room itself. We break down how the right connections turn into partners, lenders, and closed deals, then hand you 8 networking tips worth stealing so you can actually work a room. From there we go off the beaten path into weird and wonderful real estate car washes, marinas, self-storage, mobile home parks, and billboards the alternative assets most investors never consider. And since we recorded this one inside a working theater, we bring on the venue's owner to talk about running a building most investors would never touch. Check out the Terminal Theatre TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Thousands of completed condos sit empty in a housing crisis, and now governments in Ontario and B.C. are using public money to fix it. Nick and Dan break down the Ontario "template", a government-backed buyer for unsold units, GST/HST relief up to $130K per home, and development-charge cuts, and ask whether it's smart housing policy or a bailout for developers who bet wrong. They tackle the hard questions: Why does all this inventory exist? When does policy cross into rescuing private balance sheets? And why should a taxpayer in Halifax fund the cleanup of markets that leaned hardest into speculation? The verdict is in the terms, not the headline: a real discount with long-term affordability is defensible; near-peak prices with a short affordability window is a bailout. Because in housing, somebody always pays, the only question is who. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Ottawa and B.C. just unveiled a plan touching 2,200+ vacant condos, and the headline says taxpayers are now the buyer of last resort. Nick and Dan break down what was actually announced, billions in infrastructure, development-charge cuts, and a condo-conversion plan whose financing details won't drop until fall, and ask the question that matters: is public money buying real value, or rescuing a condo sector that overbuilt for investors? Smart housing policy or a bailout in disguise? It comes down to who takes the loss. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
CREA says home sales jumped 5.5% in May, but that "comeback" deserves a closer look . The seasonally adjusted bounce was real, yet actual sales were still 5.1% below last May, itself one of the weakest years in two decades. We break down why a strong monthly percentage can hide a market sitting near a 20-year low. The real story underneath: Canada has split into two housing markets. Ontario and B.C. remain below their January 2022 peaks (down 16.1% and 9.1%), while New Brunswick, Newfoundland, Saskatchewan and much of the country sit near record highs. One national press release, two completely different realities. We dig into why supply is tightening faster than prices are recovering, the gap between more buyers and more qualified buyers, and what would confirm a durable turn, plus a practical playbook for buyers, sellers, and agents. The question we leave you with: Are Ontario and B.C. showing the rest of Canada where prices are headed, or is the rest of Canada showing them what recovery looks like? TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
A 2026 guide to which home renovations actually return money for Canadian investors and homeowners. Walks through the big four (kitchens, bathrooms, basement suites, garden/laneway suites) with three-tier pricing across five cities, then covers the quiet high-ROI wins (paint, doors, flooring), the regret list (pools, smart homes, bedroom conversions), and the investor math, BRRRR, rental uplift, financing programs, and CRA capital-vs-current rules. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
***Correction: KV Capital's ~$961M AUM as of June 2026 represents capital deployed across lending and investment strategies on behalf of investors, not real estate asset holdings.*** Nick Hill and Daniel Foch are joined by Jesse Warwa, Senior Director of Origination at KV Capital , an Edmonton-headquartered, vertically integrated real estate firm. With nearly two decades in commercial real estate finance, Jesse breaks down what's driving Alberta's investment market, and why "Alberta is calling" is more than a slogan. The conversation covers Edmonton's affordability edge , why steady supply has created a stable, cash-flow-oriented market, and the eastern capital now moving into the prairies. Jesse also demystifies CMHC financing, real timelines, the hoops, and why "5% down" headlines mislead, while stressing the fundamentals that separate winners from cautionary tales: nail your investment thesis, build the right power team, and underwrite with discipline using real numbers. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
A new Bank of Canada staff paper tracked 9 million mortgage holders and found that mortgage delinquency has a warning signal, and it starts about two years before the missed payment, on credit cards and lines of credit, not the mortgage. We break down the two-year timeline, why households protect the mortgage until everything else breaks, and what it means for buyers, investors, lenders, and anyone underwriting Canadian real estate. The takeaway: by the time mortgage arrears spike, the stress has been building for months, so watch the rest of the balance sheet. Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Statistics Canada just confirmed two consecutive quarters of negative annualized GDP. But half the country's economists say it doesn't count, the Prime Minister calls it "settling in," and the Bank of Canada is signaling the next move might be a hike, not a cut. We break down what the print actually said, why gold imports and frozen housing turnover are doing most of the damage, and what every Canadian real estate investor needs to do before the June 10th BoC decision. Inside: the three lenses on whether this is a "real" recession, why fixed mortgage rates have a floor (not a ceiling), and the five things you should NOT do in this market. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Every spring, Canadians convince themselves a lakefront cottage will "pay for itself" on Airbnb. Most won't. In this episode, Nick and Dan run the actual 2026 math — Royal LePage's $604K national median, Muskoka's slipping $950K, Atlantic Canada's 11.8% surge — and break down the $44K-a-year true carrying cost nobody mentions at the showing. They explain why the short-term rental thesis is dead in most of BC and Ontario (with a new 2026 wrinkle: Kelowna's exemption), how Muskoka's by-law 2025-049 now forces three dark weeks in peak summer. Plus the opportunity-cost comparison that makes most cottage buyers wince, and the five scenarios where buying one still makes sense. The takeaway: a cottage can be a great purchase. It's almost never a great investment. Know which one you're making. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Ontario just hit a two-year high for publicly visible power-of-sale listings, and CMHC's Spring 2026 report confirms what the headlines miss: national mortgage delinquencies are still calm at 0.24%, but Toronto is up 45% year over year, Ontario is up 35%, and mortgage investment entities are running at 1.96%. This isn't a U.S.-style foreclosure crisis, it's stress becoming visible unevenly, by lender type, property type, city, and capital structure. Dan and Nick break down the renewal cliff that turned into a slow grind, why banks quietly hiked loan-loss allowances 25–51%, how policy shifted first-time buyers into insured, longer-amortization debt, and why a distressed seller doesn't always mean a distressed price. If you want to track the data yourself, realist.ca has a Canada-wide power-of-sale tool, and Valery.ca has the deeper GTA view. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
Nick sits down with Josh Findlay, co-founder of BLD Financial, for a tactical deep-dive on financing Canadian real estate deals in today's market. They break down CMHC MLI Select (how the points work, why 95% isn't always 95%), compare CMHC construction financing vs. private-then-takeout strategies, and explore where bridge debt fits in. Josh explains why Edmonton remains one of the strongest MLI Select markets, the realities of underwriting in an elevated bond environment, and why young investors are racing to acquire assets. Practical advice for anyone scaling from small multifamily into mid-market development. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
The most common question in Canadian real estate investing has one real answer: capital is everywhere... you just need to know where to look. Nick and Dan walk through 14 distinct capital sources, from conventional A-lenders, B-lenders, and credit unions to HELOCs, BRRRR, private lenders and MICs, mezzanine debt, joint ventures, VTBs, CMHC MLI Select, Build Canada Homes, and family/network capital. Every source gets honest pros and cons. A reference episode, bookmark it and come back to the segments that apply to your next deal. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE See omnystudio.com/listener for privacy information.
