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 passive income requires either upfront work to build systems or choosing inherently passive vehicles from the start.
• The more you do yourself in real estate, the less passive it becomes—the path to passive income involves either hiring property managers, partnering with experienced operators, or investing in vehicles like MICs and crowdfunding that require minimal involvement.

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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 political soundbite rather than a broad affordability solution.
• BILD and the Large Urban Centre Alliance criticize the budget for relying on backward-looking data while new-home sales have collapsed 67-82% across major markets, warning that 100,000 construction jobs are at risk.

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Canada's housing market in 2025 is stuck in neutral—not booming or crashing, but stagnant. Despite interest rate cuts, buyer confidence remains low due to employment uncertainty and immigration policy reversals, creating a prolonged stalemate between cautious buyers and reluctant sellers. We're also joined by some of our national event hosts for some boots on the ground updates. 

• Toronto has seen home values drop 25% since 2022 with condo prices down 7.5% year-over-year, while Winnipeg posted 7.2% price gains and Calgary remains 35% above pre-pandemic levels.
• Canada's population growth will hit near-zero in 2025-2026, down from 3%+ recently, with permanent resident targets reduced to 395,000 in 2025 and 365,000 by 2027, profoundly impacting rental markets and housing demand.

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We interview David Chilton, aka The Wealthy Barber  aka a former Dragon. We had an amazing discussion about personal finance, entrepreneurship and money. We asked David; 

• The original motivation for writing the book and what financial issues he observed
• Why he revisited the book and what needed updating
• Challenges faced as an entrepreneur in the financial industry
• Why "pay yourself first" remains relevant
• Evolution of money culture from the '90s to today (including TikTok finance)
• Views on real estate as a wealth-building tool for Canadians
• Advice for young Canadians considering entrepreneurship
• Advice for older Canadians approaching retirement

Buy the, Physical book, the Audiobook, or the Ebook

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We cover three major shifts in Canadian real estate:

• BC Land Ownership: The Cowichan Tribes won a land title ruling in BC Supreme Court, challenging ownership certainty since 95% of BC is unceded land. This creates risk for developers and lenders due to legal ambiguity.
• Ontario Rent Control: The government quickly abandoned plans to consult on "security of tenure" rules, showing the political power of tenants — over 50% of Toronto households rent. This reflects a shift toward renter-driven housing policy.
• Interest Rate Uncertainty: The Bank of Canada is signaling fewer rate cuts than expected, with markets pricing in a "pseudo-pause". This creates challenges for both homeowners and renters.

The common theme: power is shifting in Canadian real estate — Indigenous nations reclaiming land, tenants reclaiming policy, and the Bank trying to reclaim inflation control.

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We are on site at the OHBA's annual conference in Collingwood, Ontario where we had some amazing conversations with experts in the industry and spoke about things like policy, illegal building, and whats wrong and right with the industry right now! 

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Nick and Dan analyze the CMHC Housing Design Catalogue, which offers over 50 free standardized housing designs across Canada. They explore opportunities for real estate investors including reduced design costs and faster approvals, while critically examining challenges like high construction costs, lengthy permit processes, and questions about Housing Minister Gregor Robertson's track record.

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In this news episode, BMO warns that Canada's housing market has been falling for three years, similar to the 2007 US crash. Recovery will take a long time. CMHC says today's Toronto condo slowdown is different from the 1990s crash because lending rules are tougher and buyers are more financially tested, meaning things won't get as bad. On the positive side, the federal government plans to cut development charges in half in the November 4 budget. Canada's hottest housing markets have moved to the Prairies and Atlantic Canada, with Newfoundland leading with 12.3% price increases.

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Nick and Dan break down the essential metrics every Canadian real estate investor needs to master: cap rate, DSCR, cash-on-cash return, and IRR. Using a detailed Hamilton duplex example, they demonstrate how to calculate each metric, explain what they reveal (and what they don't), and show how to use them strategically—from quick property screening to deep financial modeling.

• Cap rate is your screening tool: Perfect for quickly comparing properties across markets, but it doesn't account for financing or long-term performance.
• DSCR and cash-on-cash reveal actual profitability: These metrics show whether your property will make or lose money with financing—the Hamilton example had a terrible 0.61 DSCR and -10.5% cash-on-cash return.
• IRR captures the complete picture: It's the only metric that accounts for the entire investment lifecycle including appreciation, principal paydown, and your exit, showing you can still profit even with negative annual cash flow.

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