The Canadian Real Estate Investor

Investment vs Speculation which could also be known as cash flow vs capital appreciation What are the differences between both? The pros and cons  What expenses play a role in both and how much to measure your costs  How to achieve a balanced approach  If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@...

This is literally the question everyone is asking at the moment, we do a deep dive.  Are we in a recession ? What are the economist saying..  Statistics Canada reported that the housing market contributed more to the gross domestic product, totalling approximately $267 billion. If inflation reaches the target of 2-3%, the Bank of Canada would feel comfortable to cautiously reduce interest rates sl...

Airbnb, an amazing show sponsor, and other STR companies have been making the news for all the wrong reasons. Major cities across the country and the world are restricting short term rentals, we do a deep dive;  The pros and cons of STR's Will restricting short term rentals help solve the housing crisis If you have any questions for the show or want to work with Nick and Dan please reach out to th...

We are going to look at Bonds, specifically, What is a bond - Why are they important - How the effect mortgages and the real estate market.  A brief history and a definition of bonds  All the types of common bonds  How Government bonds play a role in the economy  Nick & Dans favorite jJames Bond cars If you have any questions for the show or want to work with Nick and Dan please reach out to t...

What do New Zealand & Canada have in common? A housing Crisis, but they dealt with it in very different ways. We are joined by entrepreneur, speaker and developer Graham Carter who is familiar with both markets and provides insights on how the two countries have reacted.  LinkedIn -  https://www.linkedin.com/in/graham-carter-8872508/ Website – thoughtsbygraham.com  Vertex -  https://vertexdeve...

There is a new tax for real estate, the underused housing tax. We do a thorough analysis of what it is, who it effects and why the government implemented it.  This tax was supposed to be implemented now but just got pushed another 6 months Why people haven't been responding to this tax  What information is being captured from this tax How to calculate the amount you owe and how to pay it If you ha...

The Skyscraper Index is an interesting economic concept, and it's essentially a tongue-in-cheek theory that suggests a correlation between the construction of super-tall skyscrapers and financial crashes.  Bankruptcy of Canada’s Largest Residential Tower  The CN tower was completed in 1976, at a time when Toronto and Canada, in general, were experiencing significant economic growth Economic cycles...

With Record Level Debt in Canada - Has the Mortgage Stress Test Worked ? We look at what the stress test is and why it was implemented.  DTI - debt to income ratio - Canadians owe $1.84 for every $1 they earn debt levels across all age brackets  changes being made to the stress test  what happens when renewals come in in 2024-2025 If you have any questions for the show or want to work with Nick an...

Markets come and go. Good ones, bad ones, flat ones ugly ones. So as investors, how do we act accordingly?  Business cycles and recessions  Business & real estate legends that capitalized on precious recessions How to invest in a down market and what you should be doing right now If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media o...

We look at a report from the Fraser Institute -  Canada’s Growing Housing Gap Comparing Population Growth and Housing Completions in Canada, 1972–2022  Nationally, Canada has yet to build more homes annually than it did during the 1970s. This is also the case in 9 out of 10 provinces.  Throughout most of this period, Canada’s population grew by one to three people for every housing unit completed...

We What is ReHousing ? Who is this meant for? We are joined by Conrad Speckert & Samantha Eby, two architect's on a mission to reshape the urban landscape by converting single-family homes into multi-unit housing, using affordable, common-sense design to yield high-quality, well-designed space. Tell us about the yellow belt and why is has been so restricting on growth Can we walk through the h...

Banking regulator says about $250B worth of home loans are either currently or soon to be negatively amortized 50 + year mortgages - how long could they get? Why & how a mortgage can become negatively amortized  OSFI's new guidelines to deal with them If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodca...

We cover Dan's economic report, including: What inflation is doing & Job numbers  Buyers Vs Sellers Vs Balanced Market More People are searching for VTB's and Power Of Sale Listings  If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course  Course Sign up for the   Newslet...

We look at one of the biggest tenants in the world, and one of the biggest landlords in the world, we’ll discuss how they become so big, what asset class they dominate and what we can learn from the way they do business.  Amazon holds over $57 billion worth of land and buildings - more than any other US public company other than Walmart - making them one of the largest real estate owners….in the w...

We look at an economic study from Desjardins, “How Low Can Prices Go in T.O.? Even A Severe Recession Likely Won’t Make Housing Affordable in Toronto”, we also chat about, Rental housing has a history of being stimulus or make-work project  CMHC examines 1970s tax shelter as agency seeks solutions to rental crisis Lessons learned from the past 3 recession If you have any questions for the show or...

How the government and central bank can crash or save the economy as we head into more economic turmoil.  What is a hard landing vs. soft landing for Canadian Real Estate.  What is the role of a central bank  HOPE - Housing - Orders - Profits - Employment Quantitate Tightening & Quantitative Easing If you have any questions for the show or want to work with Nick and Dan please reach out to the...

The government is increasing the Canada Mortgage Bond issuance limit by $20 billion per year and designating the increased amount for funding mortgage loans on multi-unit rental projects insured by CMHC.  CMHC predicting that Canada needs 3.45 million more homes by 2030 Rental projects must have at least five rental units and can include apartment buildings, student housing, and senior residences....

Lots happening in the economy and the real estate market, we look at several different top news stories & sources,  3.45 million more homes by 2030 to cut housing costs How Mortgage Payments Stacked Up Over The Past 2 Years Half Of Canadians Think They Will Never Be Able To Buy A Home Canada No Longer Has The Lowest Inflation In The G7, Set To Accelerate If you have any questions for the show...

People are leaving the most populated province like never before, but why? & where are they all going? We look at an RBC study and other data to explore this issue and how it affects real estate,  A "cost of liveability" index, taking into account the average house price in each of these cities As Ontarian's exited, Atlantic Canada and Alberta welcomed newcomers  Homeownership as a percentage...

We take a deep dive into mortgages, specifically pre approval and pre qualifications. This episode will answer all your mortgage questions,  How to get a pre approval - what documents  How long does a rate hold last and why get one? How debt & income effect your credit score If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or sen...

In todays volatile market this question gets asked more than ever, we try to answer it by analyzing it from different perspectives What are you planning on buying? where? & why? Who are you & whats your plan? What are your current finances and your financing options  If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an...

We sit down the Anthony Scilipoti from Veritas and get him to argue both sides of the story. What’s the bull case for Canadian real estate right now  What’ the bear case for Canadian real estate right now  What areas in Canada do you expect to perform the best and worst?  How can investors succeed in the next 12 months in Canada?  If you have any questions for the show or want to work with Nick an...

Commercial Real Estate was the hottest thing for decades, but now it seems to be in trouble, is work from home killing our central business districs? The past & the future of commercial real estate How the modern office came to be  Vacancy rates in Canada and around the globe  If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or s...

Its the news, we cover the following topics and how they affect Canadian Real Estate Investors:  TD: 48% of its mortgages had a remaining amortization>25-yrs  Private mortgage lender Romspen cuts monthly distribution for fourth time Canadian new home prices edge down in July TD could face penalties in probe of anti-money laundering compliance in U.S.  If you have any questions for the show or w...

We get this question a lot, especially from aspiring real estate investor. To Rent or to Buy..that is the question. In the episode we unpack the pro's & con's of both strategies.  Sunk Cost & Opportunity Cost  ROI from Primary You have to be a really bad investor for ownership to make more sense than renting… and most people are really bad investors.  If you have any questions for the show...