The Canadian Real Estate Investor

Canada's banking system is dominated by just six major institutions (the Big Five plus National Bank), which control over 80% of banking assets. While this concentration was designed for stability, it creates limited competition and flexibility compared to the U.S., which has thousands of banks with diverse underwriting philosophies.

• Illusion of choice: Canadians feel like they have banking options, but are essentially rotatin...

Nick & Dan discuss co-ownership structures for real estate, focusing on joint tenancy vs. tenants in common, and land lease properties. Joint tenancy means equal shares with automatic transfer to surviving owners upon death, while tenants in common allows unequal shares that pass to heirs. Land lease properties let you own the building but lease the land, offering lower purchase prices but with ongoing ground rent and lease exp...

Canada's housing market remains stalled despite lower interest rates. The problem has shifted from mortgage costs to fundamental affordability — buyers don't believe prices have reset enough, sellers are discounting to move properties, and the market lacks conviction on both sides. Then in the second half of the show we are joined by our amazing event hosts for some national updates.

• Market weakness is broad-based: Natio...

Nick interviews Nathan Kennedy, otherwise known as New Money Nate discussing content creation, personal finance, and real estate investing.

• Nate's Background: Full-time content creator who started in 2018-2019 during college, grew to over 1 million followers across platforms, and transitioned from a full-time job to content creation in 2021 when social media income exceeded his salary.
• Content Philosophy: Takes a storytel...

Canada's rental market experienced a dramatic shift in 2025, with vacancy rates rising to 3.1% nationally (the highest in a decade) due to record-high rental construction meeting slower population growth and reduced immigration. This has flipped the market from landlord-favored to renter-favored, with landlords now offering incentives like free months of rent to fill units.

• Vacancy hit 3.7% (highest since 1988), with landlords...

The etymology and historical evolution of mortgages, from ancient collateral practices through to modern Canadian mortgage systems, including key regulatory developments and fundamental mortgage terminology.

• The word "mortgage" derives from Old French meaning "dead pledge", with collateral-based lending traced back to the fifth century B.C.and formalized through Roman law 
• Major transformations included CMHC's creation in...

Canadian real estate investors face new uncertainty due to Aboriginal title claims, particularly following the August 2025 Cowichan case in Richmond, BC. This landmark ruling recognized Indigenous title over 300 hectares of land that included existing private fee-simple properties – the first time in Canadian history this has occurred. The decision has triggered financing issues, cancelled deals, and government intervention, ...

We finish part 2 of all the terms you need to know. Land assembly (combining properties for larger projects), liens (legal claims on property for unpaid debts), land transfer tax (provincial/municipal tax on purchases), letters of intent (preliminary commercial agreements), and minor variances (zoning exceptions).

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In Real Estate, everyone speaks the same language but different sectors use different variations. Developers, flippers, lawyers, mortgage brokers, contractors, and realtors all use different variations of real estate terminology, in this episode we cover the first portion of very relevant terms you need to know. Each term includes what it is, how it works, why it's important, and practical context for Canadian real estate.

Exchange...

We are joined by commercial real estate broker, podcaster, investor and overall great guy, Dayma Itamunoala. Dayma has extensive knowledge and experience in the multifamily space and has also spent years interviewing the top figures in Canadian Real Estate. 

• What type of deals he is seeing right now
• What's working—and what's not
• How the podcast and LinkedIn changed the game for you
• Key lessons from interviewing Cana...

We are talking conditions (contingencies) in Canadian real estate offers – protective clauses that allow buyers to back out of deals if certain requirements aren't met. After nearly disappearing during the pandemic housing frenzy, conditions are making a comeback as the market shifts toward buyers.

• Firm vs. Conditional Offers: A firm offer has no conditions and binds you immediately, while a conditional offer includes sa...

The history and evolution of condominiums in Canada, covering their emergence in the 1960s through today's challenges, with a focus on multiplex stratification. The we are joined by Ben Singer of SR Law for a deeper legal dive. 

• Canada's first condo: The Brentwood Village townhouse complex in Edmonton (1967) was Canada's first registered condominium, enabled by the Condominium Act of 1967.
• Growth trajectory: Condos grew f...

We cover the PWC-ULI Emerging Trends in Real Estate 2026 report, which analyzes Canada's real estate market through interviews with industry professionals. The report highlights housing affordability challenges while noting resilience in alternative sectors like retail, student housing, and industrial properties. Despite current difficulties, industry leaders remain cautiously optimistic about adapting to find new growth opportunit...

Ontario's Bill 60 (Fighting Delays, Building Faster Act, 2025) introduces major changes to landlord-tenant law aimed at speeding up evictions and reducing Landlord and Tenant Board delays. The legislation shortens timelines for tenants to respond to eviction notices, limits their ability to raise defenses at hearings, and reduces compensation requirements for certain evictions.

• Faster evictions for non-payment: Grace period cu...

Nick & Dan discuss the benefits of owning a home, both financial (building equity, fixed mortgage payments, tax advantages) and emotional (stability, freedom, community), while acknowledging affordability challenges. They introduce the episode's focus: a step-by-step guide to buying your first home, including building a "power team" of professionals and using tools like the First Home Savings Account.

• Homeownership builds ...

The Canadian housing market in October 2025 showed modest growth with sales up 0.9% from September, marking the sixth increase in seven months. The market is balanced but gradually tightening, with the sales-to-new-listings ratio at 52.2% and months of inventory at 4.4 months. Prices have stabilized, with the national average at $690,000 (down just 1.1% year-over-year) and the MLS Home Price Index up 0.2% month-over-month.

• End...

We interview Jayden Haywood  of River Developments  on site at one of his 4+1 developments to discuss what we think is the best way for homeowners, developers, and investors to make money in Canadian Real Estate right now. 

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Is real estate passive?! We look at real estate investing strategies, ranking 15 different approaches from most active (fix-and-flip) to most passive (turnkey rentals, REITs, and syndications).

• We explore the spectrum of real estate investment strategies, emphasizing that true passi...

Canada's Budget 2025 and its impact on housing policy. The hosts critique the $25 billion housing investment as insufficient, noting it includes infrastructure conditions, a limited GST rebate, immigration cuts, and controversial OAS spending — while the construction industry warns of job losses.

• The federal HST rebate on new homes up to $1 million only helps about 20,000 buyers per year nationwide — essentially a ...