How Safe Is Your Money?

Is Owning Rental Units a Risky Lifestyle?

People often tell me that the financial aspect of my life as a Real Estate investor sounds risky. 

I totally disagree! 

In my opinion, what’s risky is to have all your eggs in one basket so to speak… the basket of your employment income. This is especially true if you’re the main breadwinner in the family, and you only have a job to rely on!

What if you get hurt?

In a recent podcast episode, dentist Jeff Anzalone, aka the “Debt Free Doctor,” told me a compelling scary story. Fresh out of dentistry school, he had a life-altering skiing accident—he broke his wrist. He saw his ability to work as a dentist imperilled. This forced Jeff to reassess his financial strategies. After a major wake-up, he realized that relying solely on one source of active income was extremely risky.

Multiple Income Streams

This isn’t the first time I have had such a conversation. Regularly people around me share their fears about ‘taking the plunge’ as it were into self-employment or investing. In fact, I believe that the riskiest thing is to place your financial destiny in the hands of an employer! 

When you own rental units, you have as many income streams as you have tenants. That sounds safer than working for one employer (and more fun too)! My tenants don’t tell me when to show up to work in the morning, and they certainly don’t tell me when and if I can take vacations. 

Do What the Wealthy Do

Another very interesting aha-moment in my conversation with Dr. Debt-Free is the habits of the wealthiest individuals and how they speak about their livelyhoods. Wealthy people usually have multiple income streams. They also tend not to talk about themselves in terms of what they do for a living (eg. I’m a mechanic, a secretary, a lawyer etc.). Instead, they frame their income-generating activities in terms of what they own (eg. I Invest in Real Estate, I own a business). 

To All the Doctors & Dentists Out There

According to Jeff, investing in real estate shouldn’t mean diverting attention from one’s profession. On the contrary, it’s about leveraging one’s primary income source to build additional passive income streams without compromising the main profession. You can build additional revenue streams in many different ways–by investing passively, with partners or by purchasing shares or investing in businesses. 

Of course, this information isn’t taught in dental school, or in just about any other traditional training, such as engineering, med school or grad school. 

Peer Group Again

Once again it all comes down to what you surround yourself with. If you have peers who are minded to become financially independent, you will move past those who remain in a cycle of financial precarity and dissatisfaction with their work or their lifestyle. 

What you put into your brain is a lot like what you put into your mouth. Eat junk food and your hips will testify to your diet. If you consume Netflix aimlessly, scroll on TicToc or read escapist novels, your financial life will tell that tale. 

By curating your information diet and your peer group, you can really produce incredible transformation. 

Want to hear me talk more about this topic? 

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How to Hack Your Housing Costs and Climb the Housing Ladder

Worried that the housing ladder is broken?

Whether you’re afraid for yourself or for what this means for your friends and community, this issue is growing in importance in the following years. In many urban centers across North America, it’s becoming increasingly hard for folks to afford living space. I see this with my tenants in the rental market, but it is also true for would-be home-buyers. Big cities in Canada—like Vancouver and Toronto—are now similar to places like LA, New York and Miami. Folks are doubling up in rental-units or opting for smaller and smaller units as housing costs rise.

I’m excited to share some creative solutions to this problem. Whether you’re a student, a young professional or anyone looking to navigate the tricky waters of housing costs, read on! 

Why Rising Housing Costs Are Such a Bad Thing…

Housing costs are a significant portion of people’s expenses. Our agency assesses tenant applications based on a 30%-50% rule. Rent should eat no more than 50% of a person’s income, but it is ideal for the ratio to be closer to 33%. Banks use the same type of rule when evaluating mortgage debt ratios. 

In urban centers, as housing costs rise, it’s harder for many to manage their finances, let alone dream of becoming home-owners. In areas like Canada, where about half of our income goes to taxes, the burden is even greater. Most of us pay our housing expenses with what’s left after taxes, which is 50-cents on the dollar. The financial squeeze is real! This situation limits not only your lifestyle choices but also your ability to save or invest for the future.

Short of inheriting property or downpayment money, it’s going be a bigger and bigger challenge to get onto the bottom rung of the housing ladder! 

The Hack: House Hacking

Enter house-hacking as a solution. For those who are willing to adopt creative solutions, the prize will ultimately be realzing the dream of home-ownership.

House-hacking is a strategy that involves reducing your housing expenses to free up your budget for other investments. It can range from renting out rooms in your residence to investing in a property specifically for this purpose. The idea is to make housing costs more manageable or even profitable, by turning an expense into an income source.

Starting Small: Rent a Room

The journey into real estate doesn’t have to start with a big purchase. It can be as simple as choosing to rent a room instead of an entire apartment. This decision can more than halve your living expenses, freeing up capital for savings or investment. As a student, I began my Real Estate journey in this way. My first experience living away from home was in an existing hacked-house. I gained experience living with roommates and saved money in the process!

Making this type of decision to live frugally highlights how such choices can significantly impact your financial health and investment potential.

Moving Up: Control the Living Space

Once you’re comfortable with the idea of shared living spaces, the next step could be to rent an entire house or apartment and sublet rooms. Imagine: you can harness the power of Real Estate with no mortgage or downpayment! This move allows you to control your living environment and potentially live rent-free, as the rent from subletting rooms can cover your share of the lease. It can be a strategic move towards financial freedom and a stepping stone to property investment. 

There are two bonus aspects to this choice. (1) You will learn valuable property management skills in a low-risk environment with manageable over-head costs. This is how my journey as a property manager began! And (2), you will be able to get ahead financially without the burden of assuming mortgage debt or the outlay of a huge down payment. 

Advanced House Hacking: Owning and Renting Out

The ultimate house hack involves purchasing a property to live in while renting out parts of it to cover the mortgage or even turn a profit. Whether it’s a duplex where you live in one unit and rent out the other, or a single-family home with rooms for rent, this strategy can significantly offset your living costs and contribute to your investment portfolio.

The exit strategy can be “taking over” the home bit-by-bit for your family. When I purchased my current (and first) single-family home after ten years as an investor, this is the strategy I used. 

When I bought our house, the big mortgage payments were a stretch for me, especially as a single mom with a baby on the way. My solution was to take on a roommate and then to Airbnb a section of the basement until I was comfortable enough financially to make this additional income unnecessary. 

My family currently enjoys the full use of our single-family home in a pricey market because I was able to “scale down” that first step onto the housing ladder—by renting out space—thereby decreasing the size of the financial burden of the monthly mortgage payments at the time of purchase. 

Legal and Financial Considerations

House hacking comes with its share of challenges, including legal and financial considerations. It’s crucial to understand the zoning laws, insurance implications, and rental regulations in your area. Conducting due diligence on potential tenants and being transparent with your landlord (if you’re renting) or the city officials and insurers (if you own the property) are key steps to ensuring your house hacking experience is successful and stress-free.

Make sure you do your homework for your local market before jumping on the bandwagon!

Making It Work: The Personal Touch

Living with roommates or tenants requires clear communication and setting boundaries. Establishing house rules, cleanliness standards, and quiet hours can help create a harmonious living environment. It’s about finding the right people who share your lifestyle preferences and being upfront about expectations from the start.

Want to hear me talk more about this topic? 

Join 1000+ Real Estate investors and gain access to the weekly TS Newsletter with insider tips on how to start and grow your investment portfolio so you can get the passive income, freedom and results you deserve. 

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Avoid These 3 Mistakes Most Real Estate Investors Make

What three things can you do to set yourself up for success?

Terrie’s recent discussion with multi-million dollar portfolio investor, Ahmed Seirafi, revealed three must-dos for any investor who’s after growth. 

Ready to hear this?

Tip # 1 – Surround Yourself With the Right People

Your parents said it—peer pressure can be a problem. But what if you could turn that problem into a super-power? The company you keep can significantly influence your success. Real estate investing is not just about buying properties; it’s about being part of a community that uplifts you. Attend meetups, join relevant Facebook groups, and nurture a network of professionals who can support your growth. It’s crucial to be intentional in selecting these individuals. Remember, your peer group and professional network can either fast-track your progress or steer you towards common mistakes.

Tip # 2 – Be Mindful of Professional Relationships

Make every professional interaction a win-win. To do this, you must understand how your team members and professional connections are compensated. If you “take” by consuming the time of a professional and that doesn’t in some way end up translating into dollars for them in the long run, you’ll quickly find they stop answering the phone. For instance, if consulting with a lawyer or real estate broker, recognize their time as valuable. If you don’t do a deal with the broker, consider compensating them for their insights with a consulting fee. 

If a coach or mentor has spent time on you—especially if it’s unpaid time—thank them for the opportunity and then implement what they suggest! Nothing burns coaches out faster than back-talk or lack of follow-through. 

This approach not only maintains healthy relationships but also ensures that you’re viewed as a respectful and professional member of the community.

Invest in Coaching and Knowledge

Embarking on a real estate investment journey without guidance is like sailing without a compass. Coaching and mentorship can provide you with the knowledge and strategies to navigate the market effectively. However, be cautious in selecting a mentor. Opt for someone genuinely interested in your success rather than just selling coaching sessions. Their experience and advice can be the difference between making a lucrative deal and falling into common investment traps. 

Tip # 3 – Embrace Being Coachable & Invest in Coaching

Be open to learning and applying the advice given by mentors and more experienced investors. There’s little value in seeking guidance if you’re not willing to implement their suggestions. Showing gratitude and being coachable not only accelerates your learning curve but also keeps mentors engaged and willing to share their knowledge.

Paying for coaching is the fastest way to compress time and get gains quicker. Make sure that you set some time and money aside to further your professional knowledge. Even the best, most experienced investors still take the time and money to pay for learning. In fact, the bigger they are, the more they’ve probably invested in their own education. 

Community & Relationships

Real estate investing is as much about building your portfolio as it is about relationships and community. By surrounding yourself with the right people, being mindful of professional dynamics, investing in your education, and being receptive to guidance, you can avoid the common pitfalls that many new investors face. 

Want to hear me talk more about this topic? 

Join 1000+ Real Estate investors and gain access to the weekly TS Newsletter with insider tips on how to start and grow your investment portfolio so you can get the passive income, freedom and results you deserve. 

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Are you ready to learn the secret to making more money?

Are you ready to learn the secret to making more money?

Most of us become interested in Real Estate at least partially for the money. 

But before we can let our investing make us rich, we need to examine the role money plays in our lives or we will find ourselves drowning under the weight of our side-hustles! 

The true secret to making money is–weirdly–to not focus on the money. Real estate investing is not just about putting money into properties and hoping for the best. It’s about creating value for others—whether that’s your tenants, your clients, your partners or even yourself. The key to succeeding in any financial endeavor, including real estate, is understanding that money is a consequence of the value you provide.

Take the example of real estate brokers. The most successful brokers aren’t the ones who spend all their time marketing themselves or making cold calls. Instead, the best agents focus on building their knowledge and expertise to become indispensable to their clients. By understanding the ins and outs of the market, contracts, and value-add opportunities, they make themselves so valuable that it becomes a liability for clients not to work with them. Either that, or they build an incredibly valuable sales- and business machine that is able to deliver great service, consistently. 

But what about investors? The same principle applies. Creating value means acquiring a deep understanding of financing options, finding deals others can’t, or adding value to properties in ways that increase their worth significantly. By focusing on how you can serve others and make their lives better or more profitable, you’re not just investing in properties—you’re investing in relationships and trust, which, in turn, lead to greater financial rewards.

The bottom line is this: success, especially in real estate investing, is not about the amount of money you start with or how much you aim to make. It’s about how much value you can create for others. When you shift your focus from making money to serving and creating value, the financial rewards will naturally follow.

Want to hear me talk more about this topic?

Join 1000+ Real Estate investors and gain access to the weekly TS Newsletter with insider tips on how to start and grow your investment portfolio so you can get the passive income, freedom and results you deserve. 

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Overcome THE Main Obstacle Real Estate Investors Face

What’s the one factor behind plateaus, stagnation and analysis-paralysis? If you said, fear, you’re right! 

Fear is the most common barrier from converting real estate plans into real world actions. While we may think potential financial loss, market instability, or bad tenants are stopping us, what’s under the surface is a much more personal hurdle.

This episode is about how to hack your fear-system. After years of combat sports and navigating a panic disorder, I have intimate knowledge of how fear operates and, more importantly, how to conquer it to thrive in real estate investing and in life.

The real key is a better understanding of the fear-system; its levers, its purpose, and ultimately its functionality when inscribed in the wider understanding of our emotional systems. Fear, as I describe it, serves a protective function in our lives, but when left uncontained, it can keep us from realizing our potential. Recognizing fear as an obstacle is the first step. Wouldn’t you like to know what Step 2 is?

Don’t let fear dominate your decisions! On the other side of fear is a wide world of opportunity waiting for you. 

Want to hear me talk more about this topic?

Join 1000+ Real Estate investors and gain access to the weekly TS Newsletter with insider tips on how to start and grow your investment portfolio so you can get the passive income, freedom and results you deserve. 

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photo Terrie Schauer Alex Avery

Interview with Alex Avery : The Wealthy Renter’s Real Estate Advice for Covid-19


Real Estate Advice for Covid-19: What The Wealthy Renter Has to Say About Investing Now

How Are You Using your Covid-19 Crisis?

Covid-19 Crisis has us transforming confinement-psychosis into new pass-times. Amateur bakers and hair-stylists are popping up all over the place.

I admit I’m going through a lot of flour these days, but I also decided to have as many interesting conversations as possible. My goal is to connect with people who have insights, especially on Real Estate investing during the Covid-19 Crisis. Last week, I spoke with a favorite real estate author of mine, Alex Avery. His book, The Wealthy Renter, changed the way I look at home-ownership.

Is this a good time to get into the Real Estate market as a home-owner or an investor? See what the author of The Wealthy Renter, Alex Avery has to say. Here’s some of his Real Estate Investment Advice During the Covid-19 Crisis.

Is Your Home an Investment?

Avery’s thesis is that home-ownership (in the principal residence sense) isn’t the “investment” it’s touted to be. He’s suspicious of the advice that we must all “stop throwing money away on rent”. When he unpacks this statement, it appears as questionable investment advice. Home ownership makes investment sense as a premise if – say – a savings of 2000$ or whatever per month on rent justifies using a large amount of seed-capital (read: down-payment) to then carry a (possibly larger) mortgage payment.

For an investor, the answer is often “It doesn’t”.

Use Your Capital Wisely

In investment terms, capital should be placed where it generates the best returns (correcting, of course, for risk – eg. betting on the horses might give you good returns, but I wouldn’t recommend it as a sound investment). If we use our hard-earned seed capital as a down-payment for a single-family-home, our returns will be sub-par.
What return does this so-called “investment” generate?
  • It provides no cash flow or dividends.
  • Maintenance- and interest costs are out-of-pocket and not tax deductible.
  • Home owners have a tendency to spend MORE money on maintenance, upgrades and extras than owners of rental properties.
  • The mortgage on our homes get with after-tax dollars (read: with 50 cents out of a possible 1$).
  • We don’t have tenants to help pay our mortgage.
  • Yes, a principal residence is an appreciating asset, unlike – say – a car or a washer/dryer set. But then rental properties appreciate too.

Your Home as Consumption Not Investment

Avery’s distinction can be summarized as follows: the money you put into your home – in the form of a down-payment, as upgrades or as mortgage payments – is basically a form of consumption. If you have disposable capital and cash-flow that you want to “consume” in a single-family home as a lifestyle choice, go ahead. Avery himself admits to being a home-owner. But it makes more sense to view a principal residence as an object of consumption and not as an investment.


How Do I Make My Real Estate Plans in the Covid Crisis?

Avery has a few points of advice on this question.

  1. He advises that, if you have plans to buy a home, it may be wise to review how much leverage you take on. The economic downturn, he projects, will be more check-marked than V-shaped.
  2. As an asset class, Avery sees residential rental buildings doing fairly well. Federal and provincial governments have launched stimulus plans that secure the minimum income of the vast majority of workers. As a result, he doesn’t see massive residential rent defaults in the cards.
  3. Beware of commercial Real Estate. Commercial rentals were on a downward trajectory before the pandemic. Retail had begun to move online pre-Covid. Many companies were already running experiments in tele-work. The Covid Crisis will accelerate both of these trends, probably irreversibly.
  4. If you want to invest, choose a market with “land constraints”. For example, Toronto is bounded by the Green-Belt, the island of Montreal by water, and Vancouver by the sea and the mountains. Avery sees these markets as being more “recession proof” than, say, secondary markets like Quebec City, Calgary or Kingston. In the American crisis of 2008, markets like New York fared better than, say, Las Vegas, where builders could keep constructing ad infinitum.


When Everyone Has an Opinion, Who Should I Listen to?

Covid or not, Avery’s last piece of advice turns on where we get advice on Real Estate investing decisions.

  • Your father-in-law who bought his home in the 70s and hasn’t been in the Real Estate market since? Probably not the best source.
  • Your real estate broker who makes commission on home purchases or sales? Also not the best source of advice, because there’s an obvious conflict of interest at work (he or she gets paid when you sell or buy ANYTHING, not when you make good investment decisions).
  • Active players in the real estate industry. Investors, economists, experts with established track records in their field, or professionals make money whether a transaction takes places (accountants, independent consultants, property managers etc.). They are probably better sources.

Want to Learn More?

Purchase Alex Avery’s book The Wealthy Renter here.

Or check out my book The Mindful Landlord.

Why Quebec Moves on July 1st

Factoid : Most Quebec leases end on June 30th, making July 1st “Moving Day” for the whole the province.

Read more

Want to Invest in Real Estate? Not Sure How? Get Started in 5 Easy Steps

An Antidote to Confusion About Where to Start

Lao Tzu wrote: “The journey of 1000 miles begins with a single step.”

Ah, but which step? There’s the rub! Start with the wrong one, and you may travel 1000 miles in the wrong direction!

It’s precisely this fear that kills dreams in their infancy. Don’t let this confusion end your real estate dreams!

Here are some really simple steps you can take to begin your journey.

Educate Yourself

This doesn’t mean talking about your project to Uncle So-and-So who once owned a duplex, or Aunt Thingamajig who wrote her Real Estate exam, unless they were successful at what they did in a way you’d want to repeat. Seek out resources who have a proven track record. Before launching a networking offensive, either read some books, watch some videos, or take a cheap online course. With a base level of knowledge about Real Estate Investment strategies you’ll have more useful conversations.

As you branch out and start shaking hands and making calls, you’ll be happy that you took the time to understand some basic concepts and terminology.

One caveat : expensive Real Estate courses, while often of some value, sell information and coaching at a very, very high mark-up. If you’re willing to apply a little discipline and do some work on your own, you can easily educate yourself without signing five-figure cheques or paying thousands of dollars for mentorship or classes. Why spend your down-payment money on Real Estate classes when the information is available at a very low cost? Try these resources first.

Where to seek affordable education?

  • You can check out the Recommended Readings on my website. Pay particular attention to the “Real Estate Investing” section, where you will find good “starter” books.
  • Consult online education platforms like Teachable or Udemy. Both have Real Estate sections. Online courses sell for a either tens- or a few hundreds of dollars. They’re easy to follow and are usually consumed on demand. You can go through the material at your own pace, in the comfort of home, and even follow a few different subjects that outline the major strategies for making money in Real Estate (Flipping, Buy-and-Hold etc.)
  • Organizations like the Real Estate Investors Club sell in-person/classroom or webinar training for a few hundred dollars.


You really shouldn’t pay any more that this.

Book An Appointment With a Banker or Mortgage Broker

Your mortgage banker or broker is a bit like a general practitioner in medicine. He or she will be able to give you a general bill of your financial health. Is your credit any good? What’s your borrowing capacity based on your current revenues? Very few of us know the answers to these questions, especially when we start out in the real estate game. Before defining your project, it may be a good idea to have a professional analyze your file.

Even if you’re sure you won’t qualify right now, it’s best to know what you need to do in the future in order to obtain financing. This will allow you to build a plan to get there. There are a million strategies! But, like that fateful visit to the doctor, if you don’t know where you stand, it’s very hard to move forward. Don’t let fear of bad news stop you! You need to know your starting position in order to plan your journey.

Bad credit? No down-payment money or insufficient revenues for conventional financing?

Okay. In this case, AFTER you’ve spoken to a conventional financing person and they’ve told you what you need to do to become creditworthy, go back to Step 1. There are a ton of resources out there to learn what’s called “Creative Finance”.

Network With Other Investors & Professionals

Remember what I said about Uncle So-and-So and Aunt Thingamajig?

Talking to them about their Real Estate debacles is NOT networking. If you want to succeed at something, learn from someone who is where you want to be.

I’ll repeat myself because this is really important: Take advice only from people who stand where you want to be! If you don’t yet know such people, no problem! It’s time to leave the house and start building your network.

You can join my Meet-Up to attend networking events in the Montreal area. The Real Estate Investors Club also hosts monthly networking events.

If you want to learn more about how to network effectively, check out my blog article on How to network effectively.

You could also check out anything by author Ivan Misner, founder of BNI (Buisness Networking International).

Find A Mentor

A few months ago, a woman approached me at one of my workshops. She offered to take me to lunch.

“I want to learn from you,” she told me. Naturally I was flattered and I accepted. We went to lunch, and as we were chatting, she had another interesting offer.

“Let me work for you for free for some months,” she proposed. “I’ll do anything, I just want to learn the business.”

What do you think I said?

This situation is now a total win-win. Instead of paying thousands of dollars for private mentorship, my new intern has access to me 24/7. Her boots are on the ground meeting tenants, seeing construction problems, talking to every real estate professional around: contractors, notaries, mortgage people – everyone who is involved in my business.

Do you think I’ll give her free advice on her own investment decisions now? Of course!

Not only is she learning for free and building her own network in an organized way, she works maybe two evenings a week and an hour or two on the weekend. If she was taking a (paid) class, she’d have to devote the same time and IN ADDITION pay.

You’d be surprised how accessible successful- and knowledgeable people are when approached with a little flattery. An offer for lunch or a coffee might be all it takes. Try it!


Fail Forward

Above all – don’t be afraid to look silly or make a few mistakes. Everyone who’s built success over many years remembers how little they knew at the beginning.

I tell my clients this, when they’re shy to ask what they think is a silly, basic question.

“We all start in the same place! With a dream and no bloody idea of how to make it happen.”

Anyone successful who’s acting puffed-up is doing so just because they want to feel big, NOT because you’re somehow unworthy or stupid. Don’t feel ashamed to be where you are.

“The journey of 1000 miles begins with a single step.”

person doing puzzle

Giving Back to Hochelaga-Maisonneuve: Holiday Food Drive

Charity does not decrease wealth

– Hadith

I’ve been managing properties in the Montreal district of Hochelaga-Maisonneuve for over fifteen years now. The district has been good both to me as an investor, and to my clients who own rental units in the area. Property values have appreciated and gentrification has raised our rents.

These changes are not without their consequences, especially for poorer residents in the area. Hochelaga has become more diverse as higher-income tenants have begun to move in, and the amount of affordable housing has decreased.

Many of Hochelaga’s low-income residents have not benefited over the same time-period. 32% of households were considered low-income by the latest Canadian census. Hochelaga-Maisonneuve is also one of the districts with the highest rate of elementary school students living in poverty.


A Complex Issue

I’ll be honest: I don’t have a magic-bullet solution to propose to these problems.

Real estate investors have done well in Hochelaga. The area is close to downtown. As rents in the downtown core have appreciated, the rental market has changed in HoMa. Foreign- and local students have moved in. So have young families and young professionals fleeing the now-expensive areas of the Plateau and Rosemont. Investors have been all to happy to accommodate them: renovating crumbling properties that were in need of some love and increasing the rent accordingly.

These profits haven’t been shared with many of the local residents. Gentrification has changed the types of stores that serve the area: fancy and expensive cafés and local fruit markets have replaced pawn- and discount shops. Low income tenants now have less places to shop. The number of affordable apartments is decreasing every year. Given the choice, landlords move out low-income residents when they can, raising their profits in the process and avoiding many social issues common with very low-income tenants.

It’s not easy to know what to do with this if you want to have a social conscience and make money in real estate.



Is the solution to somehow stop investing in Ho-Ma? To impose tighter rent control? This will discourage investors and perhaps gentrification, but it will have the same effect as rent control more generally in Quebec. The Regie’s policies for raising rent creates disincentive for property-owners to invest in maintaining their units. As a real estate professional working in Quebec, I can tell you this unintended consequence of rent-control is ubiquitous. No owner will invest to redo a unit to see a 10$ increase in rent. It makes no economic sense. The result is our buildings crumble, and low-income tenants live in ramshackle and decaying apartments that no landlord will invest to fix.

My gut instinct would be to say we need more social housing and perhaps higher municipal taxes to help finance them. This might increase the overall standard of housing available and benefit everyone – investors and lower-income families – alike. But I’m no sociologist.


Give Back to Ho-Ma’s Low-Income Families

Just because we don’t have a magic bullet doesn’t mean we should do nothing. That’s analysis-paralysis. Politics and large-scale, top-down solutions are important, but we don’t have to stand by while the politicians create them. There are simple and politically uncomplicated ways to make a difference. This holiday season, we’ve chosen to support CAP St-Barnabé, a charity organization that aims to fight poverty and increase the standard of living of theHo-Ma’s low-income residents. CAP St-Barnabé has a year-round food bank and special initiatives for the holiday season.

You can send cash donations here:

This holiday season we’ve set up donation-points for non-perishable food items that will go to their food bank. You can find the drop-off boxes at our two locations before December 13th :

3835, Wellington Street (Verdun) & 3965, Saint-Catherine Est (Hochelaga-Maisonneuve) during office hours.

Just find these boxes & drop off your donations.

decorated box



hand writing on blackboard

What’s The Number One Reason People Invest in Real Estate?

Or how is wanting properties like wanting a six-pack?

“I really want to make more money!”

This is often where conversations about investing start. Is this really the true reason why we want to invest?

Think about it this way. How many gym memberships are bought with the words: “I want a six pack for summer…” ?

Do we really want the six pack? Or are we after something else? Wouldn’t it be better to feel fit, healthy and confident when you wear that bikini or pair of board shorts to the beach?

My guess is it’s more about how we want to feel and less about the six pack itself. Maybe the six-pack is just shorthand, because we’re a bit too lazy to think about what will really make us content and confident in our skins.

Perhaps the gym membership is only part of the solution.

Why Invest in Real Estate?

Real estate investing isn’t that different.

Most of us start out thinking it’s all about the money. But what do we want more money for? When we really look at our motivations, we may find that we’re really after something else… something that will be better than a big bank balance.

To find out more, watch the first video in my five-part series on the basics of real estate investing…