Under One Roof

Thinking about buying a duplex or triplex as an investment? Before you start dreaming about rental income, it's time to do the math! This week on Under One Roof MTL , Robyn Flynn and LJ Aguinaga break down the numbers every real estate investor should understand before purchasing an income property. From cash flow and operating expenses to cap rates and return on investment, we're looking at how t...

Could buying a duplex or triplex actually make more financial sense than purchasing a traditional single-family home? This week on Under One Roof MTL , Robyn Flynn and LJ Aguinaga explore how first-time buyers can use rental income to help offset their mortgage payments, build equity, and potentially get into the real estate market sooner. But becoming a homeowner and a landlord at the same time c...

Sometimes, the smartest real estate decision you can make is knowing when to walk away. This week on Under One Roof MTL , Robyn Flynn and LJ Aguinaga discuss the warning signs that should make homebuyers think twice before committing to a property. From troubling home inspections and financing complications to questionable seller disclosures and unexpected repair costs, we explore when it's worth...

Condo or house? It's one of the biggest decisions homebuyers face, and the right answer isn't always about price. This week on Under One Roof MTL , Robyn Flynn and LJ Aguinaga break down the financial and lifestyle differences between owning a condo and a house, from maintenance costs and condo fees to freedom, flexibility and long-term resale value. Plus, Martin Spalding explains why getting appr...

Buying your first home is exciting, but there's a LOT that happens between deciding you're ready to buy and finally getting the keys. This week on Under One Roof MTL , Robyn Flynn and LJ Aguinaga discuss the unexpected costs, difficult decisions, and common surprises first-time homebuyers should prepare for. Plus, Martin Spalding explains the world of alternative mortgage lending, better known as...

Housing affordability is one of the biggest issues facing Quebecers heading into the October 5 provincial election. So this week on Under One Roof MTL , we're taking a closer look at what the major parties are proposing to do about it. From tax breaks and down-payment assistance for first-time buyers to rent control, social housing, construction targets and deregulation, the parties are offering v...

What happens when you inherit a home and suddenly have to figure out what to do with it? This week on Under One Roof MTL , LJ Aguinaga walks us through the process of selling an inherited property, from the paperwork that needs to happen first to deciding whether to renovate, repair, or simply sell the home as-is. Plus, Fred and Martin break down reverse mortgages: how they work, who they're desig...

Is it ever a good idea to list your home high just to "see what happens"? This week on Under One Roof MTL , we're looking at why an ambitious asking price can backfire, how buyers react to stale listings and price drops, and why getting the price right from day one matters. Plus, tariffs, inflation and economic uncertainty are creating some big questions for Canadian homeowners. We look at what th...

Thinking about tackling some exterior projects this summer? Before you spend thousands on landscaping, paving stones, or a backyard makeover, it's worth knowing which upgrades actually add value to your home—and which ones don't. This week on Under One Roof MTL , LJ Aguinaga breaks down the exterior improvements that make the biggest impact on curb appeal, resale value, and buyer interest. Plus, F...

Trying to buy a new home while selling your current one? It can feel like a logistical nightmare. This week on Under One Roof MTL , LJ Aguinaga shares practical strategies for coordinating a purchase and sale at the same time, from timing closing dates to using bridge financing. Plus, Fred and Martin answer some of the mortgage questions they hear most often from homeowners and buyers. In This Epi...

Zillow-style estimates and online home value calculators are everywhere. But how accurate are they when it comes to determining what your home is actually worth? This week on Under One Roof MTL , LJ Aguinaga explains why online estimates often miss the mark, what truly drives a home's value, and how sellers can get a realistic picture of what their property is worth in today's Montreal market. Plu...

The first few days after your home hits the market can completely shape the outcome of your sale. This week on Under One Roof MTL , LJ Aguinaga explains why the first 7–10 days of a listing are so important, what buyers are thinking when a property sits too long, and the biggest mistakes sellers make right out of the gate. Plus, Fred and Martin answer more of your frequently asked mortgage questio...

Home inspection reports can be intimidating, especially for first-time buyers. But how do you know which issues actually matter… and which ones are just part of owning a home? This week on Under One Roof MTL , LJ Aguinaga breaks down the biggest mistakes buyers make after reading an inspection report and explains which findings should truly raise concern. Plus, Fred and Martin answer another round...

How do you know when it's finally time to sell your investment property? This week on Under One Roof MTL , LJ Aguinaga shares the story behind selling one of his first investment properties, a 4-plex he held for nearly a decade. Plus, Fred and Martin answer some of the mortgage questions Canadians are asking most right now, from fixed vs variable rates to renewing with your bank versus shopping ar...

Thinking about selling your home? Wondering what the process actually looks like behind the scenes? This week on Under One Roof MTL , we walk you through the real seller's journey, from pricing and prep to accepting an offer. Plus, we break down whether paying down your mortgage faster is always the smart financial move. In This Episode: What's Happening in the Market Right Now The Bank of Canada...

If your home has been sitting on the market with no offers, you're not alone… and you're not out of options. This week on Under One Roof MTL , we break down what sellers should do when a listing isn't getting traction, including how to adjust your price strategically without losing leverage. Plus, we tackle some of the most common mortgage myths that continue to confuse buyers and homeowners in 20...

This week on Under One Roof, we're talking about the new initiative announced by the Quebec government to reimburse the welcome tax for first-time home buyers. Plus, LJ has some advice on whether now is the right time to buy. And, Fred and Martin break down which insurance products are mandatory, nice to have, and optional. 

This week on Under One Roof, we're taking a look at the factors that are causing fixed rates to increase right now. Plus, prices are dropping in some of Canada's most expensive cities... but that likely won't help first-time buyers get into the market. And, everything YOU need to know about down payments.

This week on Under One Roof, we're taking a look at how the recent surge in oil prices and expected job losses could impact the Bank of Canada's next interest rate announcement on April 29th. Plus, what should you prioritize when it comes to curb appeal improvements? And, what's more important; your interest rate or your mortgage loan conditions?

This week on Under One Roof, we're taking a look at the bond yields market, and how this is impacting fixed rate mortgages. Plus, the TAL ruled this week that it's a Charter violation to include "no pet" clauses in residential leases. What does this mean for tenants moving forward? LJ also has some advice for homeowners who are planning to sell their home in the next few months, so that they can s...

This week on Under One Roof, we're taking a look at the inflation numbers for February, and predicting what they might look like in the coming months. Plus, LJ has some advice for anyone who is considering purchasing property with a friend or family member. And, Fred and Martin offer up suggestions on how to successfully refinance your mortgage with a solid strategy in place. 

This week on Under One Roof, we're taking a look at the latest real estate market numbers, and trying to predict what the Bank of Canada might do with its next interest rate announcement. LJ goes over whether seasonality matters in real estate, and highlights the importance of working with a realtor who is dedicated to selling your property. And, Fred talks about why 5% might be the perfect amount...

This week on Under One Roof MTL, we're discussing the three warning signs that you could be at risk of defaulting on your mortgage. Plus, what are some of the things that turn potential buyers away when you're selling your home, and is there anything you can do to mitigate those issues? And, what are your options for helping your adult children buy their first home?

This week on Under One Roof MTL, we're talking about housing affordability, how to make your offer stand out, as well as protecting yourself as a homeowner in the event of a divorce or separation. 

This week on Under One Roof, we're talking about inflation falling to 2.3%, and how this may or may not impact the Bank of Canada's next interest rate announcement on March 18th.  We also look at whether or not it's still possible (and economical) to downsize in Montreal, and what to do if you're feeling house poor these days.