Bill 60 has officially passed! Following up on our deep dive in Episode 4, Kevin Breitner is joined again by Rob Di Lisi and Kayla Andrade to break down exactly what this means for Ontario landlords now that the legislation is a reality.

In this episode, we discuss the immediate changes to eviction filing timelines (moving from 14 days to 7 days), the chaos surrounding the final vote, and what "bad actor" tenants need to worry about. We also cover the "war in the trenches" regarding LTB delays and how landlords can protect their investments in this new landscape.

Watch the previous episode (Ep 4) here: https://youtu.be/OmoXdvVtHS0

🍁 DOUG GILMOUR JERSEY RAFFLE 🍁
Support the mission of Ontario Landlords Watch and win an autographed Doug Gilmour Jersey!

• Draw Date: December 15, 2025
• How to Enter: Email [email protected] to purchase tickets.

Ticket Prices:

• $5.00 for 1 Ticket
• $20.00 for 5 Tickets
• $50.00 for 15 Tickets

In this episode:

0:00 - Intro: Bill 60 has passed!
0:45 - Kayla’s reaction to the vote and protests
2:50 - The new 7-Day vs. 14-Day filing rules
4:00 - Will LTB Adjudicators actually change?
11:50 - The issue with direct payments for housing assistance
18:00 - Why professional tenants are the real target
37:00 - The "War in the Trenches" for landlords
54:00 - Doug Gilmour Jersey Raffle Details

Connect with our Experts:

Kevin Breitner – C.R.E.S.I.
Website: https://cresi.ca/
Email: [email protected]
Phone: 647-801-4425

Rob Di Lisi – Stonegate Legal Services
Website: https://stonegatelegalservices.ca/

Kayla Andrade – Ontario Landlords Watch
Website: https://ontariolandlordswatch.com/
YouTube: @OntarioLandlordsWatch
FrontLobby: https://frontlobby.com/

About C.R.E.S.I:
C.R.E.S.I. (Canadian Real Estate Service & Investment) offers comprehensive solutions for real estate investors. From property management to investment advice, we help you navigate the complexities of being a landlord in Ontario.

DISCLAIMER: While we are professionals, this podcast is for informational and entertainment purposes only. The advice shared may not apply to your unique situation. Always seek personalized advice from a qualified professional before making any investment decisions.

🚨 ONTARIO LANDLORDS: Do you know the difference between an N9 and an N11? Using the wrong one when a tenant leaves could leave you stuck!

In this episode of the Ontario Landlord Series, host Kevin Breitner sits down with our favorite legal expert, Rob Di Lisi from Stonegate Legal Services, to break down exactly how to end a tenancy the right way. We cover the specific forms you need, why "cash for keys" requires an N11, and the one legal step you should take even if your tenant gives you proper notice.

Plus, we switch gears to discuss Unit Turnover. Rob shares his personal strategies for prepping a unit to attract high-quality tenants—from his specific paint color choice ("White Whisper") to the best scents and security upgrades.

In this episode, we cover:

• The critical difference between Form N9 (Tenant’s Notice) and Form N11 (Mutual Agreement).
• Why you should file an ex parte order even if the tenant promises to leave.
• The risks of showing a unit while the old tenant is still living there.
• Rob’s "First Impressions" strategy: Paint, lighting, and professional cleaning.
• Security tips: Cameras, lighting, and re-keying locks.

CHAPTERS:
0:00 - Introduction: Doing Things the Right Way
1:25 - The 3 Ways to End a Tenancy (N9 vs N11)
2:34 - Why You Should File with the Board (Ex Parte Orders)
4:35 - Should You Show the Unit Before the Tenant Moves Out?
6:22 - Handling Short Notice from Tenants
9:07 - Unit Prep Secrets: Paint, Scents, and Cleaning
14:31 - Changing Locks vs. Re-Keying
17:27 - Security Upgrades: Cameras & LED Lighting
19:08 - Marketing Your Unit: Photos & Videos
21:55 - Final Summary & Conclusion

Featured Expert:
Robert Di Lisi - Stonegate Legal Services
https://stonegatelegalservices.ca

Connect with CRESI:
Thanks for listening! Please check out https://cresi.ca for more information!

Make sure to follow us on:
Facebook: https://www.facebook.com/CRESIRealestate/
Instagram: https://www.instagram.com/cresi_real_estate/
LinkedIn: https://www.linkedin.com/in/kevin-breitner-79233060/

Please remember, while we are professionals, this podcast is for informational and entertainment purposes only. The advice shared may not apply to your unique situation. Always seek personalized advice from a qualified professional before making any investment decisions.

Buying and selling at the same time? This complete guide covers everything you need to know about your mortgage options. Kevin Breitner from CRESI and Melissa Pereira from the M2 Mortgage Team break down the three main scenarios: porting (lateral moves), upsizing, and downsizing.

Whether you're relocating, moving up to your dream home, or downsizing for retirement, understanding your mortgage options before you make a move is critical. This comprehensive conversation covers bridge financing, down payment calculations, co-signer removal, HELOCs, reverse mortgages, and the myths that could cost you thousands.

📋 CHAPTERS:
00:00 - Introduction & Overview
00:46 - Meet Melissa: Making Mortgages Simple
01:46 - Porting Your Mortgage (Lateral Moves)
02:08 - What is Mortgage Porting & Re-Qualification
03:26 - Understanding Lender Risk & Property Marketability
04:22 - Upsizing: The Market Opportunity Right Now
05:43 - Down Payment Calculations for Upsizing
06:40 - Bridge Financing Explained
07:40 - Removing Co-Signers: What You Need to Know
09:01 - Why You Need Professional Advice
10:00 - Downsizing Your Mortgage
11:43 - Downsizing Scenarios & Goals
13:18 - Why Downsizers Buy First, Then Sell
15:02 - The Bridge Financing Myth for Seniors
17:01 - Trust the Experts, Not ChatGPT
19:02 - Don't Compare Rates With Friends & Family
20:22 - What Really Matters Beyond Interest Rates
21:16 - Rate Differences: The Real Dollar Impact
22:13 - Buy Low, Sell High: Now is the Time
23:03 - Final Advice: Knowledge is Power

What You'll Learn:
- How mortgage porting actually works and why you need to re-qualify
- Why current market conditions create unique upsizing opportunities
- The two requirements for bridge financing that most people miss
- Why having equity doesn't guarantee easy financing anymore
- HELOC and reverse mortgage options for downsizers
- Why your mortgage rate isn't the only thing that matters
- The importance of planning with professionals months in advance

Individual Episode Links:
📹 Episode 1 - Porting Your Mortgage: https://youtu.be/zNimctAkBJI
📹 Episode 2 - Upsizing Your Mortgage: https://youtu.be/96vdN2LqFZE
📹 Episode 3 - Downsizing Your Mortgage: https://youtu.be/Agj8qKMLqj0

Connect with Kevin Breitner:
CRESI
🌐 Website: https://cresi.ca
📧 Email: [email protected]
📞 Phone: 289-266-1617

Connect with Melissa Pereira:
M2 Mortgage Team | Capital Home Lending
📧 [email protected]
🌐 www.m2mortgageteam.ca
📱 Instagram: @m2.mortgageteam

Disclaimer: This content is for informational and entertainment purposes only. Always seek personalized advice from qualified professionals before making any real estate or mortgage decisions.

#Mortgage #RealEstate #HomeOwnership #MortgageAdvice #PropertyInvestment #RealEstateTips #HomeBuying #Upsizing #Downsizing #BridgeFinancing #MortgageSpecialist #CRESI #RetirementPlanning #FirstTimeHomeBuyer

🚨 BREAKING: Bill 60 has dropped and Ontario landlords are BUZZING! 🚨

After years of advocacy, the Ford government has finally released the first reading of Bill 60—a game-changing overhaul to the RTA that could reshape landlord-tenant relations in Ontario. Kevin Breitner, Rob Di Lisi, and Kayla Andrade break down EVERY major change: N12 reforms, N4 notice reductions, Section 82 deposit requirements, faster review timelines, and the HUGE controversy around security of tenure removal.

⚖️ In This Episode:
📋 N12 Changes - 120 days notice with NO compensation (but tenants can still challenge)
⚡ N4 Notice Period - Cut from 14 days to 7 days (but still need LTB hearing)
💰 Section 82 Reform - Tenants must pay 50% of arrears to delay with maintenance issues
⏱️ Review Applications - Shortened to 15 days for faster resolutions
🏠 Security of Tenure Removal - The BIG ONE that has tenant unions SCREAMING (and why Rob actually disagrees with removing it)
👮 Enforcement Boost - 8 new sheriffs to speed up evictions
🤖 AI Integration - Faster LTB order processing on the horizon
📊 Public Transparency - Final LTB decisions may become searchable

⚠️ REALITY CHECK:
This is ONLY first reading, folks. Bill 60 still needs to pass second reading, third reading, and receive royal assent. The tenant unions and NDP are already mobilizing hard against this. Kayla breaks down why landlords need to get LOUD with their MPPs RIGHT NOW to see this through.

📅 TIMESTAMPS:
00:00 Introduction
01:20 Bill 60 Overview - What's Actually Changing
04:45 Kayla's Take: Why This Bill is ESSENTIAL
10:30 Security of Tenure Debate - Rob vs. Kayla
21:15 The Alberta Model - Fixed Terms Done Right
28:40 Market Rate Adjustments & Rent Control Myths
35:20 Professional Tenants & Loophole Closing
43:34 What Happens Next & How to Get Involved
47:25 Kayla's Emotional Response - 15 Years of Advocacy Paying Off
48:22 How to Contact Your MPP & Make Your Voice Heard

📞 CONTACT YOUR MPP - MAKE YOUR VOICE HEARD:

Ministry of Housing:
- Rob Flack – [email protected]
- Graydon Smith – [email protected]
- Rental Housing Enforcement Unit – [email protected]

Key Government Officials:
- Premier Doug Ford – [email protected]
- Attorney General Doug Downey – [email protected]
- Deputy Premier Sylvia Jones – [email protected]
- Michael Tibollo, Associate Minister to the Attorney General – [email protected]
- Nina Tangri, Minister of Small Business – [email protected]
- Peter Bethlenfalvy, Minister of Finance – [email protected]
- Andrea Khanjin, Minister of Red Tape Reduction – [email protected]

📄 Read the Full Text of Bill 60:
https://www.ola.org/en/legislative-business/bills/parliament-44/session-1/bill-60

🎯 CONNECT WITH THE HOSTS:

Kevin Breitner - CRESI, Complete Real Estate Solutions & Investments
📧 Contact: https://cresi.ca
🏢 CRESI is dedicated to becoming the #1 resource for landlords in Ontario. Check out all the resources on our website!

Kayla Andrade - Ontario Landlords Watch & Front Lobby
🏠 Front Lobby - Rent Reporting Services for Landlords: https://frontlobby.com
💪 Leading the fight for landlord rights in Ontario for 15 years

Rob Di Lisi - Stonegate Legal Services
⚖️ Legal support for Ontario landlords, property managers, and real estate professionals
📧 Website: https://stonegatelegalservices.ca

📅 SAVE THE DATE:
Join us November 27th for an in-person reception-style Investor Summit featuring Kevin, Rob, Kayla, and Sean Quague from Cardinal Law! More details coming soon.

🎬 Podcast Produced by Jason Silvert | SilvertLinings
Real estate agents and podcasters: Need professional podcast production or website management? Visit https://silvertlinings.ca to elevate your digital presence.

🚨 ONTARIO INVESTORS: Tired of tenant calls, repairs, and unexpected maintenance? Real estate investor David Pereira reveals how rent-to-own investing delivers 20-24% annualized returns while staying 100% passive - no property visits, no emergency repairs, no drama.

This episode breaks down the complete rent-to-own model that traditional landlords NEED to understand. From the exact ROI calculations to how tenant buyers are set up for success, we're exposing an investment strategy that solves problems for everyone at the table.

🔥 What You'll Learn:
✅ Why rent-to-own beats traditional buy-and-hold for passive investors
✅ The exact ROI breakdown: 20-24% annualized returns explained
✅ How to calculate investor profit (spoiler: it's $60K on $100K over 3 years)
✅ Why tenant buyers WANT to succeed (and how you help them)
✅ The property manager model vs. joint venture approach
✅ Monthly cash flow PLUS backend profits at sale
✅ Credit coaching strategy that guarantees tenant buyer success
✅ How to use rent-to-own to exit properties in a tough market

💰 THE NUMBERS (Real Example):
Investment: $100,000 down payment
Monthly Cash Flow: $500/month ($18,000 over 3 years)
Backend Profit: $42,000 at closing
Total Return: $60,000 over 3 years (20% annualized)

🎯 PERFECT FOR: Ontario landlords tired of traditional property management, investors seeking passive real estate returns, property owners looking to exit in a down market, anyone interested in win-win-win investment strategies.

📈 TOUGH MARKET SOLUTION: David reveals how existing landlords can use rent-to-own to command higher valuations in 3 years instead of selling at today's depressed prices. This is the exit strategy nobody's talking about!

💡 PRO TIPS FROM DAVID:
• Tenant buyers tracked through Front Lobby to boost credit scores
• Credit coach partnership (Richard Moxley - The Credit Game) ensures 700+ scores
• Down payment + savings contributions guarantee mortgage qualification
• ALL numbers locked in on day one - zero surprises

⏰ CHAPTERS:
0:00 - Introduction with David Pereira
1:33 - David's Background: From Buy-and-Hold to Rent-to-Own
4:29 - The Win-Win-Win Model Explained
5:29 - Profitability Breakdown: Real Numbers
10:34 - Tenant Buyer Vetting Process
18:22 - Credit Score Strategy: Front Lobby + Credit Coaching
21:54 - Using Rent-to-Own to Exit Properties in Down Markets
24:11 - Disclaimer and Wrap-Up

🔗 CONNECT WITH DAVID PEREIRA:
📧 Email: [email protected]
🌐 Website: renttogrowhomes.com

📚 RESOURCES MENTIONED:
• Front Lobby - Credit score tracking for rent payments
• Richard Moxley - The Credit Game (Credit coaching)
• Mark Loeffler - Rent to Own Investing in Canada (Book)

🎯 INVESTOR vs. TRADITIONAL LANDLORD:
Traditional Landlord: Maintenance calls, repairs, turnover, cops called, unpredictable expenses
Rent-to-Own Investor: Monthly e-transfers, zero property visits, zero tenant communication, predictable returns

This isn't about replacing traditional homeownership - it's about creating opportunities for people who CAN'T buy today but COULD buy in 3 years with the right structure and support.

🚀 WHY THIS WORKS:
1. Investor: Passive income + predictable returns + no headaches
2. Tenant Buyer: Path to ownership + credit improvement + locked-in pricing
3. Operator: Property management fees + backend profits at closing

Everyone is incentivized to reach the finish line. That's the magic of the rent-to-own model.

💬 JOIN THE CONVERSATION:
Are you a traditional landlord considering rent-to-own? Have questions about the model? Drop them in the comments below!

Subscribe to CRESI's Ontario Landlord Series for expert investment strategies, legal insights, and real estate education from Ontario's top professionals. New episodes weekly!

#OntarioRealEstate #RentToOwn #PassiveIncome #RealEstateInvesting #LandlordStrategy #PropertyInvestment #OntarioLandlords #RealEstateROI #InvestmentStrategy #CRESI

Episode 3 of "What Ontario Landlords Need to Know" examines critical issues affecting Ontario's rental market in September 2025.

CHAPTERS:
0:00 - Introduction
1:32 - Tent Encampments and Municipal Responses
5:48 - Affordable Housing Program Analysis
9:11 - Rising Costs Impact on Landlords
11:05 - Hamilton Housing Development Case Study
16:39 - Proposed Solutions and Stakeholder Involvement
20:34 - Social Assistance Program Accountability
21:05 - Case Conference Process Explained
27:26 - N13 Eviction Changes and Municipal Bylaws
28:08 - Rent Increase Notice Requirements
29:31 - Email Consent Rules for Landlords
35:04 - International Student Immigration Trends
40:31 - Upcoming Investor Summit
41:40 - Resources and Contact Information

Key Topics Discussed:
- Region of Waterloo's $65.5 million homelessness spending breakdown
- Hamilton's affordable housing project costing $483,870 per unit
- International student permit statistics showing decline from 17,600 to 540 students
- Landlord and Tenant Board jurisdiction increase to $50,000 effective October 1st
- Email service requirements and consent procedures
- Municipal renovation eviction bylaws and provincial jurisdiction

Important Deadlines:
Rent increase notices for January 1st implementation must be served by October 2nd (90-day notice requirement).

ODSP Statistics: Just under 1 million Ontarians currently receive ODSP benefits.
Source: Maytree Foundation

Upcoming Event:
Investor Summit - October 15th
Grand Cinnamon Banquet Hall, Toronto
https://investorsummit.ca
Comment below for discounted ticket information.

Host Information:

Kevin Breitner - Property Management and Real Estate Investment
CRESI Studios
Website: cresi.ca

Kayla Andrade - Tenant Screening and Landlord Advocacy
Front Lobby Ambassador
Website: frontlobby.com
Facebook: facebook.com/ontariolandlordswatch

Rob Di Lisi - Paralegal, Landlord-Tenant Law
Stonegate Legal Services
Website: stonegatelegalservices.ca

This podcast provides educational content for Ontario landlords. Viewers should consult qualified professionals for advice specific to their situations.

Special Collaboration Note:
This episode represents a unique cross-promotion between the Ontario Landlord Series and Your Grey Matters podcast, bringing together both audiences for essential housing market insights. Watch Neil's channel for more entrepreneurship and political analysis: https://www.youtube.com/@yourgreymatterspod

Essential insights for Ontario landlords navigating today's challenging rental market. Kevin Breitner sits down with industry experts Kayla Andrade and Rob Di Lisi alongside mortgage broker Neil Silvert for an in-depth analysis of current landlord challenges.

This comprehensive discussion covers the critical issues facing Ontario's rental housing providers, from Landlord and Tenant Board delays to government policy impacts at all three levels. Our expert panel breaks down why 40% of Canadians now rent, the $14.2 billion condo speculation crisis, and practical strategies for protecting your rental investment.

Key Topics Covered:
- Why the Landlord and Tenant Board has become the biggest challenge for landlords
- Government policy disconnect across municipal, provincial, and federal levels
- The shift from rental housing as a bridge to homeownership to permanent reality
- Essential tenant screening and credit reporting strategies
- Why most real estate education stops after the purchase
- How to protect yourself in today's high-risk rental environment

Our Expert Panel:
Kevin Breitner - CEO of CRESI Real Estate Solutions, host of Ontario Landlord Series
Kayla Andrade - Founder of Ontario Landlords Watch, Front Lobby ambassador
Rob Di Lisi - Managing Partner at Stonegate Legal Services, licensed paralegal
Neil Silvert - Licensed mortgage broker, real estate investor, host of Your Grey Matters podcast

ESSENTIAL RESOURCES:
- CRESI Real Estate Solutions: https://cresi.ca
- Landlord Mastery PDF Guide: https://cresi.ca/downloadable-documents/
- Ontario Landlords Watch: https://facebook.com/OntarioLandlordsWatch
- Stonegate Legal Services: https://stonegatelegalservices.ca
- Front Lobby Tenant Screening: https://frontlobby.com/

Contact Kevin Breitner at https://cresi.ca for professional property management and investment guidance.

Kevin Breitner sits down with Airbnb expert Brad McRae to spill the REAL tea on short-term rentals. No fluff, just straight facts about what's actually making money in 2025.

Brad manages properties across Ontario, Florida, and Arizona - he's seen it ALL. This episode breaks down exactly where the opportunities are and where they're NOT.

What you'll discover:

• The mistake that cost Brad 5K (and could cost you way more)
• Why location beats everything (Hamilton vs Toronto vs Florida)
• Ontario's tightening restrictions that could kill your profits
• The experiential trend that's printing money right now
• Real cap rate comparisons: Airbnb vs traditional rentals

Perfect for Ontario landlords, real estate investors, and anyone curious about the short-term rental game.

CHAPTERS:

• 00:00 - Introduction & Guest Background
• 02:06 - Getting Started: Primary Residence Strategy
• 04:09 - Location is EVERYTHING
• 06:52 - The Money Reality Check
• 08:51 - Niche Markets & Opportunities
• 10:07 - Regulation Nightmare
• 12:30 - Government Money Grabs
• 14:11 - The Luxury Standard
• 16:52 - Brad's 5K Mistake Story
• 19:58 - Guest Expectations in 2025
• 23:03 - The Experience Trend
• 25:17 - Final Advice

CONNECT WITH THE EXPERTS:

Kevin Breitner (CRESI)
cresi.ca
Complete Real Estate Solutions & Investments

Brad McRae (Yours Truly Hospitality)
yourstrulyhospitality.com
Short-term rental management across Ontario, Florida & Arizona

Subscribe for weekly Ontario landlord content!

Disclaimer: This podcast is for informational and entertainment purposes only. Always seek personalized advice from qualified professionals before making investment decisions.