Explore every episode of the podcast The Canadian Real Estate Investor
| Title | Pub. Date | Duration | |
|---|---|---|---|
| How Budget 2026 Impacts Canadian Real Estate | 10 nov. 2026 | 00:51:54 | |
Ottawa says it’s extending the foreign buyer ban, but the law still ends it January 1. Nick and Dan go through Budget 2026 and sort what’s law from what’s only proposed. They cover the new 90% insured loan on triplexes and fourplexes (it’s 30 years and tests your income, not the building) and why you should build four units, not three, before Ontario’s HST deadline on March 31. They also get into how Canada’s new build carve out for foreign buyers copies Australia, the immigration timing risk, and what the budget means for rates. They run the numbers live, compare MLI Select to a fourplex, and give the budget a grade.
Asset Allocation ETFs | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Buying Land In Canada: Dirt, Dreams & The Math | 06 nov. 2026 | 00:46:49 | |
Land can make you rich while producing nothing, and that’s both the appeal and the danger. Nick and Dan look at why Toronto high density land is trading 37 per cent below its 2021 peak while Canadian farmland rose 9.3 per cent in 2025. They cover the six reasons people buy land and how Canada handed it out, from the 1805 Toronto Purchase to the Greenbelt reversal. They also explain the planning terms that cost investors fortunes, why land absorbs the hit when condo math breaks, and how professionals value and vet a parcel. They finish with their top five land plays today.
Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| Emerging Trends in Real Estate 2027 | 03 nov. 2026 | 00:48:47 | |
PwC and ULI’s 2027 Emerging Trends report says Canadian real estate is now an infrastructure story. Nick and Dan break down the three forces driving the money: power, defence and an aging population. They also cover what each one means and how it will impact investors.
Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| Should You Actually Care About This Rate Hike? | 30 oct. 2026 | 00:44:36 | |
The Bank of Canada just raised rates for the first time since 2023, taking the overnight rate from 2.25% to 2.5%. The economy isn’t booming, so why now? Nick and Dan explain how oil and the Middle East conflict are pushing the Bank to act, and recap the full ride from the 2022 hikes to the 2024 cuts and a year of holds. They also cover what economists predicted, why Australia, Europe and the UK are raising rates too, and the number that matters most: the Bank now sees 3.1% inflation in 2027. Finally, they get into what it means for your mortgage: fixed vs variable, where prime is headed, and why variable borrowers should run their numbers at a higher rate before renewal.
Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| The $2 Billion Heat Pump: Who Actually Gets Paid | 27 oct. 2026 | 00:48:53 | |
Ottawa just put $2 billion on the table for the new National Heat Pump Rebate: up to $10,000 if you’re below median income, $2,000 for everyone else. Nick and Dan go through the fine print. You get one rebate per person, not per property, and the $1,400 savings claim covers oil and baseboard homes, not gas. Then they run the real Toronto numbers. With the carbon charge gone, a heat pump costs more to run than a gas furnace, so for most Ontario homes it only makes sense when the furnace and AC need replacing at the same time. They also cover cold weather performance, the panel upgrade that surprises homeowners, and Ontario’s rebate rules for rentals. For investors, they explain how energy upgrades earn MLI Select points, and why going from 50 to 100 points on a $5M build can save about $60,000 in premium.
Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| Toronto Is Spending Billions to Copy Montreal’s Housing Model | 23 oct. 2026 | 00:48:07 | |
Montreal was building gentle density a century before anyone called it “missing middle.” Nick and Dan go back to the Lachine Canal factory boom and a 10 foot setback rule that pushed staircases outside and gave the city its look. They get into the original house hack (owner downstairs, tenants upstairs), why all of Quebec moves on July 1, and how Montreal became a majority renter city without a skyline full of towers. Then the contrast: Toronto and Vancouver zoned this housing out of existence and are now spending billions to bring it back. The investor section covers Ontario’s unit rules, MLI Select’s five unit minimum, the federal Housing Design Catalogue and the Housing Accelerator Fund, plus what the plex still teaches anyone building small multifamily today. Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Bibliothèque Exchange-Traded Funds (ETFs) | BMO Global Asset Management Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| Did Alberta Just Kill Edmonton’s Multiplex Boom ? | 20 oct. 2026 | 00:46:12 | |
On October 8, Alberta ordered Edmonton to undo its zoning bylaw within three months. That means density and height go back to pre 2024 rules and parking minimums come back. Calgary, which already repealed its citywide rezoning, was told to hold where it is. Nick and Dan cover what actually changed in each city and why it matters after record housing starts in both. They also get into who’s for it, who’s against it, and what small scale infill builders should do differently from here. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| 10 Real Estate Myths...Busted | 16 oct. 2026 | 00:45:57 | |
“Real estate always goes up.” “Renting is throwing money away.” “You need 20% down.” Nick and Dan take ten myths Canadians repeat at the dinner table and check each one against 2026 data. Most of them used to be true. They held up in the falling rate, rising price world that ended in 2022, and now they’re expired truths that keep costing people money. They cover why renting beats owning in most major markets, the national benchmark sitting 21% below its 2022 peak, the collapse of GTA preconstruction, and why four out of five Toronto condo investors lose money every month. They also get into the myths around fixed vs. variable rates, the foreign buyer ban, the Bank of Mom and Dad, and trying to time the market. The takeaway: run the numbers on the deal you’re actually looking at. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| Power of Sales Are Rising, But Are They Actually Deals? | 13 oct. 2026 | 00:46:27 | |
Canadian mortgage arrears have nearly doubled since 2022, and power of sale listings are climbing. Nick and Dan break down the latest data and explain why most bank sales aren’t bargains. Then they cover how to find real distressed deals and what to pay for them. Find deals with the Realist distress tool: Realist Exchange-Traded Funds (ETFs) | BMO Global Asset Management Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| Death, Divorce, and Real Estate | 09 oct. 2026 | 00:47:46 | |
Death and divorce move more Canadian real estate than any rate change. Nick and Daniel break down what happens to the house when a couple splits or a parent passes: who really owns the matrimonial home, how buyouts get financed, the tax CRA charges at death, why putting a kid on title can backfire, and how to handle an inherited property with siblings. They finish with practical checklists so your family has a plan instead of a panic. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
See omnystudio.com/listener for privacy information. | |||
| Fixed vs Variable? Don't Pick Until You Hear This | 06 oct. 2026 | 00:51:50 | |
The Bank of Canada is holding rates, but fixed mortgage quotes are still going up. Dan and Nick explain how rising bond yields push fixed rates higher, why more borrowers are choosing variable again, and what to check before you pick: payment changes, trigger rates, penalties and whether your budget can handle a rate increase. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. See omnystudio.com/listener for privacy information. | |||
| Canada Didn't Shrink. StatCan Found 300,000 People. | 02 oct. 2026 | 00:50:00 | |
On September 23, StatCan revised its population count and added 301,008 people. Two of the three "decline" quarters became growth. Most of the people it found were temporary residents still in the country on pending permit extensions. Nick and Dan explain how the old count missed them, what changed in the method, and whether this weakens the bear case for housing. Growth is still the slowest since 1915, rents are soft, and more departures are likely coming. The revision changes why the numbers looked the way they did, not the market we've been living in. Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. See omnystudio.com/listener for privacy information. | |||
| How, Why & When To Buy Real Estate With Partners | 29 sept. 2026 | 00:50:40 | |
Most Canadian real estate partnerships run on a handshake and good vibes. Nick and Dan break down how to do it properly. They cover five ways to structure a deal: co-ownership, general partnership, limited partnership, corporation, or skipping equity and lending instead. They explain how to pay the operator fairly with fees, a preferred return and a promote, and why your partnership agreement means nothing to your lender. They show how the right partner fills gaps in a CMHC application. And they walk through how partnerships actually fall apart: capital calls nobody can fund, plus death, divorce, disability and bankruptcy. See omnystudio.com/listener for privacy information. | |||
| Why Are Data Centres So Controversial? | 25 sept. 2026 | 00:45:05 | |
Mississauga and Oakville just froze new data centres. Saskatchewan rolled out the red carpet for a Bell campus near Regina worth over $50 billion. Nick and Daniel break down what these buildings are, why each province is handling them so differently, and why two out of three Canadians don't want one near their home. They take on the viral water claims and explain how the money works: tenants reserve power and pay whether they use it or not. Then they each say whether they'd invest. Plus the October 27 date that could decide whether the GTA fringe becomes a market or stays frozen. Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. See omnystudio.com/listener for privacy information. | |||
| The Real Story Behind The Podcast, The Events, & Realist | 22 sept. 2026 | 00:48:02 | |
After over 400 episodes, people still told us they didn't know what to do next, so we started putting them in a room. Nick and Dan look back on how the podcast turned into sold out events, why real estate is a people business, and what we built because of it. Tune in for insights and come to an event to see for yourself! Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Market Updates, Mega Tax Deductions & The Investor Summit | 18 sept. 2026 | 00:49:03 | |
CREA August is out and every province sold fewer homes than a year ago. Oil topped $108, which pushes fixed mortgage rates up. Carney's summit pledges and the new Mega Deduction won't lower anyone's mortgage. Sales are stuck and buyers are gaining leverage, so watch your local numbers, not the national average. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| The Most Important Trends In Real Estate | 15 sept. 2026 | 00:54:24 | |
We switch things up in this episode and Fred Cassano from PwC interviews Dan on the Emerging trends Report produced annually by PWC and ULI Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Is Your Home Actually An Investment? | 11 sept. 2026 | 00:41:57 | |
GET TICKETS TO CANADA'S #1 MULTIPLEX EVENT: https://realist.ca/community/events/unpacking-multiplexes-toronto Most Canadians think their home is an investment. And honestly, the data says they are not crazy. Homeowners are dramatically wealthier than renters. In Canada, StatCan showed homeowner net worth rising from about $324,000 in 1999 to about $685,000 in 2019, while renter net worth went from about $15,000 to $24,000. CMHC research says homeowners are roughly seven times wealthier than renters, and their homes represent about half of their net wealth. So yes, homeownership has created an enormous amount of household wealth. But Robert Kiyosaki also had a point when he said your house is not an asset if it takes money out of your pocket every month. Because a primary residence can make you rich on paper while making you cash-flow poor in real life. That is the episode today. Is your home actually an investment, or is it a liability with good branding?
See omnystudio.com/listener for privacy information. | |||
| Multiplex Advice From The CEO of Canada's Only Multiplex REIT | 08 sept. 2026 | 00:50:12 | |
GET TICKETS TO CANADA'S #1 MULTIPLEX EVENT: https://realist.ca/community/events/unpacking-multiplexes-toronto They cover shifting CMHC underwriting and how first-time developers can struggle to secure MLI Select financing, plus potential partnerships where Alliance’s experience and conservative underwriting could help. Hooman explains REIT liquidity, RRSP/TFSA eligibility, and the complexity of capital planning for redemptions, and shares operational realities: flat post-development appraisals on recent projects, rising turnover due to incentives in new purpose-built rentals, cheaper condo rentals, and more renters buying homes. He details cost-control tactics, tenant retention, and neighbor relations strategies, and outlines why authentic, vibrant neighborhoods and “would I live here?” location tests matter again. Exchange-Traded Funds (ETFs) | BMO Global Asset Management
See omnystudio.com/listener for privacy information. | |||
| Legal Insights On Development | 04 sept. 2026 | 00:50:47 | |
We are joined by friend of the show Ben Singer, of SR Law, Ben, maintains a general commercial real estate practice, including acquisitions, dispositions, financing as well as an emphasis on condominium and sub-division development. Exchange-Traded Funds (ETFs) | BMO Global Asset Management
See omnystudio.com/listener for privacy information. | |||
| A Short History Of Canadian Real Estate Pt. 2 | 01 sept. 2026 | 00:46:56 | |
Part 2 picks up at 2008. Canada dodges the financial crisis, decides it's bulletproof, and spends a decade building brakes (four Flaherty tightenings, foreign buyer taxes, two stress tests) all pointed at demand, while barely touching supply. Then free money in 2020, the February 2022 peak, and the fastest hiking cycle in Bank of Canada history. The payoff to the 1981 cliffhanger: CMHC's MLI Select in 2022 finally makes purpose built rental pencil again after 41 years, and rental is now about 58% of new construction. Meanwhile 2024 quietly undoes Flaherty with 30 year amortizations and a $1.5M insured cap, and population growth slams into reverse. Where we are now: benchmark around $666K, down 3.3% year over year, roughly 21% off peak, policy rate 2.25%, and building at half the 500,000 starts target. Five takeaways, one thesis. Nothing here was weather. Somebody signed something. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| A Short History Of Canadian Real Estate Pt. 1 | 28 août 2026 | 00:44:47 | |
Canada has never had a housing market, it has a housing policy, and the market is what happens downstream. Part 1 traces 100 years of deliberate decisions: 50% down mortgages that detonated in the Depression, CMHC inventing leverage in 1954, the 1972 tax exemption that made your house the best shelter you can own, and the two supply engines we switched off (MURB in '81, social housing in '93) while turning every demand dial to eleven, ending at zero down and 40-year amortizations in 2006. Also: 21% rates, Toronto's 1989 crash and 13-year recovery, and the map moving from Montreal to Toronto to Vancouver. Part 2 coming. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Moving From Residential To Commercial Mortgages | 25 août 2026 | 00:42:49 | |
Josh Findlay of BLD Financial joins us again to share all things commercial mortgages. How he started, the journey, and the main differences between small investments and big ones; plus some CMHC updates. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| The Rise of the Citizen Developer | 21 août 2026 | 00:37:52 | |
This week we sit down with Toronto architect and developer Noam Hazan, the guy calling the "missing middle" the most alive part of Canadian real estate. After designing for global firms like Foster + Partners and Richard Meier, Noam now helps regular people turn single lots into fourplexes, sixplexes, and garden suites. We get into his own project, the numbers behind MLI Select and the HST rebate, the rise of the "citizen developer," and how to actually make these deals pencil. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Has The Canadian Housing Market Hit Bottom? | 18 août 2026 | 00:40:16 | |
Four years after the 2022 peak, the first real signs of a floor are showing up, national sales are up 7% from the March low, inventory is tightening, and single-family completions in Ontario just hit their lowest level since 1990. But economists have been burned by three false starts already, and nobody wants to say the b-word out loud. Meanwhile, over 13,000 Canadians filed for insolvency in June, up 11.5% year over year and running near 2009 levels. So which is it? Dan and Nick dig into whether this is a real bottom or a supply collapse dressed up as a recovery... and what it means if you're deciding whether to buy today. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| How To Avoid Mistakes With Multiplexing Properties | 14 août 2026 | 00:40:02 | |
We are joined by Nichola & Matthew from M3 Development Management to discuss all things development mamagement a Calgary-founded firm with offices in Calgary, Canmore, Edmonton, Vancouver and Victoria, joins us to talk about the part of a deal nobody covers: what it actually costs to build. They work on the owner's side, no equity in the project, running feasibility, cost planning and project delivery on everything from Senakw in Vancouver to the BMO Centre expansion in Calgary. We get into Edmonton's constantly shifting infill rules, whether an eight-plex still pencils, how the same building prices out across five markets, and where construction costs sit today versus 2023. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| How Much Does It Actually Cost To Build In Canada Right Now? | 11 août 2026 | 00:48:04 | |
A complete breakdown of the Altus Group 2026 Canadian Cost Guide: $573 billion in active projects across 6,652 sites, with the real-world context investors and developers need. With presale prices down 13% from peak and a record 7,243 condo units cancelled in 2025, the feasibility math is under serious pressure. The episode also covers the $343 billion public infrastructure pipeline competing for the same labour and materials, a construction workforce that needs 85,000 additional workers by 2032, and tariff volatility that the cost guide explicitly doesn't account for. City-by-city comparisons across Vancouver, Calgary, Toronto, Montreal, Halifax, and more. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Sell At A Loss Vs. Continue To Hold | 07 août 2026 | 00:39:45 | |
If you bought a Canadian condo near the peak of the market, you may now be underwater, or losing money every month just to keep it. In this episode, Daniel and Nick tackle one of the hardest decisions facing Canadian homeowners and real estate investors: should you hold on, rent the property out, or sell at a loss? They examine real examples from the GTA, pre-construction deals, power-of-sale transactions and struggling flips before laying out a practical framework for making the decision without letting fear, ego or sunk costs take over.
Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| What A Developer Is Building Now, And Planning For Next | 04 août 2026 | 00:42:22 | |
Nick & Dan are joined by Jacob Cohen, President of Daniels Corp. for a field report from inside a GTA development company. Why an activity slowdown worries developers more than falling prices, which input broke first: land, construction costs, rates, or sales velocity, and what still makes sense to build when almost nothing pencils. With starts near zero since 2023, the completions that should land in 2027–2029 aren't coming. Jake walks through the math, the industry's sudden rush into purpose-built rental after 30 years of ignoring it, whether the investor-driven condo model is paused or finished, and what he'd tell an investor weighing pre-construction today. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Lessons From A Property Manager | 31 juil. 2026 | 00:46:01 | |
Brandon Sage of Landlord Property Management joins us to discuss everything you need to know about owning and managing property and tenants. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| The 9 Most Googled Real Estate Questions of 2026 | 28 juil. 2026 | 00:48:29 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| What To Know When Building A Multiplex | 24 juil. 2026 | 00:44:31 | |
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:
Plus how Reside partners with landowners, and why the hard part has permanently shifted from approvals to execution. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Bank Of Canada Holds At 2.25%: Is Fixed Or Variable The Better Bet? | 21 juil. 2026 | 00:49:37 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Cash Flow Vs. Appreciation In A Flat Market | 17 juil. 2026 | 00:48:54 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| The First-Time Buyer Is Now 40 Years Old | 14 juil. 2026 | 00:50:07 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Five Doors Or Fewer: The Small Landlord Operating Manual | 10 juil. 2026 | 00:51:07 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Who Eats the Loss? Canada Finally Gets Price Discovery | 07 juil. 2026 | 00:47:57 | |
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? Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Weird Real Estate, The Right Rooms & Relationships | 03 juil. 2026 | 00:45:24 | |
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 Exchange-Traded Funds (ETFs) | BMO Global Asset Management
See omnystudio.com/listener for privacy information. | |||
| The $3.2B Condo Market Rescue Everyone is Talking About Pt. 2 | 30 juin 2026 | 00:46:43 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| The $3.2B Condo Market Rescue Everyone is Talking About Pt. 1 | 26 juin 2026 | 00:49:07 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Canada’s Housing Market Is Splitting in Two | 23 juin 2026 | 00:39:47 | |
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? Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| What Renos Actually Pay You Back? | 19 juin 2026 | 00:54:40 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Is Alberta Still The Best Market In Canada? | 16 juin 2026 | 00:42:12 | |
***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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Your Credit Card Predicts Your Mortgage Default | 12 juin 2026 | 00:45:55 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Canada Is Finally In A Recession, Now What? | 09 juin 2026 | 00:49:56 | |
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.
Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Is Your Cottage An Investment Or Liability? | 05 juin 2026 | 00:43:13 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Power Of Sale Listings Just Hit A 2-Year High. Here's What It Means | 02 juin 2026 | 00:49:25 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| When To Use CMHC Construction Financing | 29 mai 2026 | 00:44:20 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| Where To Find The Money To Get Real Estate Deals Done | 26 mai 2026 | 00:50:33 | |
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. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||
| The Mortgage Renewal Shock Is Here, But Canadians Still Believe | 22 mai 2026 | 00:54:28 | |
CMHC's 2026 Mortgage Consumer Survey is out, and Dan and I dig into what the numbers actually say about Canadian homeownership right now. The headlines: 35% of renewers felt financial pressure with payments up $375/month, but default concern dropped from 53% to 39%. 28% of first-time buyers needed a co-signer (54% leaned on parents). 23% got a down payment gift, median $30K. First-time buyers rented 7.6 years before buying. And 16% of researchers are now using AI in their mortgage journey. The through line: stress isn't collapse, but adaptation isn't health. The Bank of Mom and Dad is now mortgage infrastructure, the path to homeownership is an endurance sport, and the trust layer in mortgage advice is fragmenting fast. Canadian housing is stressed, adapting, and quietly being reshaped by family balance sheets and AI all at once. Exchange-Traded Funds (ETFs) | BMO Global Asset Management See omnystudio.com/listener for privacy information. | |||