Toronto is now almost a 50/50 city. About half of households own their home, and half rent. Yet the housing conversation is still stuck on the same question: should you rent or should you buy? That’s the wrong debate. The real question is what you’re working toward long term. Renting and owning are just tools. Either path can work if you’re intentional. My framework is simple, the destination is financial independence, where housing no longer dictates your lifestyle or choices.

Real estate in Toronto feels rough right now. Prices are down, interest rates are high, headlines are loud, and a lot of people feel stuck. Buyers are asking: What if prices fall more? Sellers are wondering: Why isn’t my place moving? Owners are facing mortgage renewals, life changes, or carrying costs that just don’t work anymore. Real questions people are dealing with right now: - Is it a mistake to buy if prices could drop further? - When does renting still make sense, and when does it stop? - How much negotiating power do buyers really have? - Why some condos simply won’t sell at today’s prices - What mortgage renewals are about to do to a lot of households - Where opportunities actually exist for long-term buyers and investors It's not about creating hype or mongering fear. It’s about understanding your situation, your timeline, and your options in a market that feels uncertain. Real estate moves in cycles. The hard part is making the right decisions, especially when things feel uncomfortable. If you’re thinking about buying, selling, holding, or doing nothing at all, this video will help you frame the decision more clearly.

Many of the units that Toronto pre-construction buyers bought are now worth less than the purchase price. Appraisals are coming in low, lenders are tightening up, and the gap between contract value and today's market value is often times bigger than the deposit that they put down. So what to you do if you find yourself in this position? Risk getting sued by failing to close, borrow with private lenders at predatory rates, or close and slowly (or quickly) bleed out? Claim bankruptcy? Crawl under a rock? Let's talk about some of the real options in front of you. Not theory. Not wishful thinking. Actual steps people in Toronto are using to get through closing without destroying their credit, losing their deposit, or facing years of litigation.

Listings are sitting longer, open houses feel quiet, and the headlines make it sound like the market still has room to fall. That uncertainty is exactly why my clients asked me this question, and why the answer isn’t as simple as “yes” or “no.” So let's go through a real conversation I had with some recent clients. If you’re trying to make sense of whether waiting helps or hurts you in this kind of market, this will give you a clearer way to think about timing, leverage, and what really matters.

After ten rate hikes and two years of high borrowing costs, the Bank of Canada has finally started cutting. For the first time in years, interest rates are “in a good place.” But if money’s cheaper, why isn’t the housing market roaring back to life? What do the latest rate cuts actually mean for buyers and sellers? How long will it take for monetary policy to show up in home prices? And what are the four wildcards that could change everything? From shifting immigration targets to global uncertainty and a sticky inflation rate, the story isn’t as simple as “rates down, prices up.” This is a look at the real forces shaping the next phase of Canada’s housing market, and to look for indicators for when things will finally start to move.

"What's a good school zone" is a question I am often asked. But the truth is, buying a home based on school rankings is more of an art than a science. Most rankings, like those from the Fraser Institute, are based on EQAO test scores, which is a narrow and often outdated measure that doesn’t reflect the full picture of a school’s quality. What actually drives school reputation often has more to do with the surrounding neighbourhood’s affluence than the education itself. In this video, I break down what you really need to know: how catchment boundaries work, what programs and opportunities are available beyond rankings, and why schools can’t be fairly compared with a single number. If you’re buying a home for your family and want to make a smart, informed decision, this is a conversation worth listening to.

When a tenant moves out, every landlord faces the same question: should you renovate, or keep it simple? Let's talk about the Golden Rule of Multi-Family Investing, how to decide if a renovation actually makes sense after tenant turnover. We’ll cover: - Turnover is your chance to reset rent, but how much should you budget? - The rule of thumb for renovation ROI - Smart upgrades that attract better tenants and boost building value This isn’t about flipping a kitchen for HGTV, it’s about making strategic choices that protect your cash flow and grow your property’s worth. If you’re a multi-family investor in Toronto (attention all you CMHC MLI Select borrowers) with multiple units in the same building, this is my framework for making that "go" or "no go" renovation decision.

Mortgage delinquencies in Canada are making headlines, with reports saying they’re “up 30%.” But what does that really mean? Defaults have risen, but that’s still below Canada’s historical “normal” range. Even during the 1980s peak, it wasn't that bad. By comparison, the U.S. sits much higher. The truth? The rise looks dramatic in percentages, but the actual risk level is still very low. Context matters more than the headline. Stay informed, not alarmed.

Imagine you’re playing Monopoly, and one player already owns most of the houses. Every time someone else lands, they have to pay more and more rent. Even if you save your money and play smart, it’s really hard to catch up when someone else already owns everything. That’s what’s happening in real life too: homes and apartments are being bought up by people who already have lots of money. Regular people are working hard, but the game feels stacked against them. Is this just a Toronto thing? Or have other major cities been able to crack the code?

Condos may have dropped more percentage-wise, but detached and semi-detached homes have fallen much more in real dollars. That means if you’re upsizing, the price gap has narrowed, and this less-than-stellar market might actually work in your favour. So, let's talk about why now could be the smartest time to trade up, and how to use market conditions to your advantage. If you’ve outgrown your space, this market shift could be working in your favour.

Feel like you’ll be renting forever? That’s honestly okay. Owning real estate isn’t the only path to stability. But if you’re not buying, you’ll need a solid plan — because the system is still built around homeowners. The truth is, renting can offer flexibility — but it doesn’t build equity by default. And if you’re not intentional, you might wake up 10 or 20 years from now priced out of more than just housing. You don’t need to buy a home to build wealth. But you do need to be proactive, strategic, and prepared.

A new national survey from Royal LePage shows that 31% of Canadian renters have no plans to ever buy a home—a statistic that challenges long-held assumptions about homeownership in this country. We’ll look at what’s driving this shift: affordability barriers, changing lifestyles, and why many renters feel completely priced out. More importantly, we’ll explore what this means for Toronto’s housing market — from long-term rental demand to how investors and first-time buyers should be thinking about the next cycle.

Renting is the norm in cities like New York, Berlin, and Toronto — but staying a renter forever could mean missing your window to build real wealth. Let’s talk about how smart buyers are breaking in, even with high prices and limited savings. Some are co-owning multi-units with friends or family. Others are turning basements into income suites or living in laneway homes behind their parents’ place. Many are starting small — with a condo, a less central location, or even a duplex outside the core. The first home doesn’t have to be forever. It just has to get you started.

The Toronto condo market is shifting fast—and not in a good way for small landlords. With sky-high interest rates, poor rental yields, and construction costs that don’t pencil out, the old condo ownership model is breaking down. Condos were once a slam-dunk investment, but now it seems like purpose-built rentals are taking over. So let’s explore what this means for real estate investors, end users, and future buyers. Whether you’re holding, selling, or just watching from the sidelines, let’s talk about what’s coming next.

If you own real estate in Toronto — or anywhere in Canada — you’ve probably had it with all the negative headlines. Falling condo prices, sluggish sales, rising interest rates… it’s all you ever hear. But there’s still a positive case to be made for property owners — if you understand the bigger picture.

There’s no sugar-coating it—the Toronto market’s been rough. April 2025 numbers from TRREB show sales down 23.3% year-over-year and the average price dipping 4.1%. That’s a tough headline. But here’s the part people are missing: behind the negative press, there’s a lot of good news—if you know where to look.

Remember how Monopoly ends—with one person owning everything? That’s exactly what’s happening in our economy and real estate market today. If you don’t own assets, you’re getting left behind. In this episode of Broadview Table Talks, I break down: • Why housing affordability keeps getting worse • The true effects of inflation and money printing • How asset owners keep winning (and what you can do about it) • Why young people and first-time buyers are being shut out • What new policies like the proposed Canadian 1031 exchange and prefab housing could mean for our future Whether you’re a frustrated renter, a cautious investor, or just trying to make sense of Toronto’s housing crisis—this video’s for you. Let’s talk solutions. Don’t just shake your fist—take action.

Here are the top 3 lessons I wish I knew when I first started investing in real estate 20 years ago. After two decades in the market, I’ve seen it all—rising prices, market crashes, bad tenants, and great deals. But the biggest lessons I’ve learned could save you thousands and help you make smarter investment decisions.

Everywhere you look, headlines scream that Toronto’s condo market is crashing. Interest rates are high, condo prices are dropping, and investors are caught in the middle. But what’s really going on behind the scenes? In this video, we explore how banks and government intervention are shaping the Toronto real estate market, why condos are no longer an easy investment, and what this means if you’re caught in the middle.

Thinking of backing out of a real estate deal? Whether it’s a pre-construction condo, a resale home, or a commercial property, walking away from a legally binding contract can have serious consequences. In this video, I break down the legal, financial, and strategic options you have if you’re struggling to close.