The Journal

How to Analyze an Investment Property in Ontario Before You Buy

A property can look like an excellent investment in a listing. It can have: attractive photos; multiple units; impressive advertised rents; a desirable neighbourhood; renovation potential; and a compelling asking price. But none of those things, on their own, tell you whether the property is actuall

Your Next Investment Property Should Help Fund the One After It

Your Next Investment Property Should Help Fund the One After It One of the biggest differences between buying a rental property and building a real estate portfolio is how you think about the role of each acquisition. A rental-property buyer may ask: “Does this property make money?” A portfolio inve

From Duplex to Apartment Building: How to Build a Real Estate Portfolio in Ontario

From Duplex to Apartment Building: How to Build a Real Estate Portfolio in Ontario For many real estate investors, the ultimate goal isn't simply to own one rental property. It is to build a portfolio. That may begin with: One Duplex and eventually grow into: Triplexes Fourplexes Multiple Income Pro

What Is CMHC MLI Select? A Guide for Canadian Multifamily Real Estate Investors

If your long-term real estate goal is to move from owning duplexes and triplexes into larger multifamily properties, there is one Canadian financing program worth understanding well before you're ready to make that transition: CMHC MLI Select Why? Because as a portfolio grows, success is no longer d

CMHC Multifamily Financing in Canada: How Real Estate Investors Can Scale Their Portfolio

CMHC Multifamily Financing in Canada: How Real Estate Investors Can Scale Their Portfolio There is a point in many real estate investors' journeys when buying another duplex or triplex may no longer be the most efficient way to grow. The investor may already own several properties. They understand t

Residential vs. Commercial Multifamily Financing in Ontario: What Investors Need to Know

Residential vs. Commercial Multifamily Financing in Ontario As a real estate investor grows from one rental property into duplexes, triplexes, fourplexes and eventually larger multifamily properties, the financing strategy begins to change. At the beginning, financing often focuses heavily on the bo

What Is DSCR in Real Estate? A Guide for Ontario Multifamily Investors

What Is DSCR in Real Estate? A Guide for Ontario Multifamily Investors As real estate investors move from one rental property into duplexes, triplexes, fourplexes and larger multifamily assets, the financing conversation begins to change. At the beginning, investors often focus on questions such as:

What Is NOI in Real Estate? How Ontario Investors Calculate Net Operating Income

What Is NOI in Real Estate? How Ontario Investors Calculate Net Operating Income One of the most important numbers a real estate investor can learn is also one of the most frequently misunderstood: NOI — Net Operating Income If you are evaluating a duplex, triplex, fourplex or larger multifamily pro

Duplex vs. Triplex in Ontario: Which Is the Better First Investment Property?

hey are not identical investments. A duplex may offer a simpler entry point. A triplex may offer stronger income diversification. And in some cases, the best acquisition may be an existing duplex with the potential to become a triplex later. The right choice depends on more than the number of units.

The BRRRR Strategy in Ontario: How to Buy, Renovate, Rent, Refinance & Repeat

The BRRRR Strategy in Ontario: How to Buy, Renovate, Rent, Refinance & Repeat What if the capital you put into your first investment property could eventually help you purchase your second? And what if Property #2 could help you acquire Property #3? That is the fundamental idea behind one of the mos

HELOC vs. Refinance for Real Estate Investing in Ontario: Which Is Better?

HELOC vs. Refinance for Real Estate Investing in Ontario: Which Is Better? You've built equity in your home and you're ready to start—or continue—building a real estate investment portfolio. Now comes an important question: Should you access that equity through a HELOC or refinance your mortgage? Bo

Can You Use a HELOC to Buy an Investment Property in Ontario?

Before using home equity: protect the home securing the debt A HELOC is debt secured against your home. The Financial Consumer Agency of Canada’s HELOC guidance explains that failure to repay can result in losing the home. Most HELOCs have variable rates, so payments can increase. Interest-only paym

How to Build a Real Estate Investment Portfolio in Ontario

Building a real estate portfolio is not simply about buying as many properties as possible. A successful portfolio is built strategically, with each property serving a purpose and ideally helping position you to acquire the next one. For many Ontario real estate investors, the journey begins with on

How to Attract Quality Tenants in Ontario

A vacant rental can create pressure to accept the first applicant who appears financially qualified. But learning how to attract quality tenants is less about filling a unit quickly and more about creating a process that brings the right applicants to your door in the first place. For Ontario landlo

Short-Term vs. Long-Term Rentals: Cash Flow, Risk & Regulation in Ontario

Investing in rental properties in Ontario comes with a key decision: should you focus on short-term rentals like Airbnb, or stick to long-term rentals with stable tenants? Understanding the differences in cash flow, risk, and regulatory environment is essential for creating a sustainable landlord st

Is Now a Good Time to Move? Toronto Rent Prices Hit a 4-Year Low (2026 Guide)

Toronto rent prices have dropped to a four-year low. Learn what this means for tenants, whether now is a good time to move, and how market shifts could impact renters and first-time buyers in the GTA. Is Now a Good Time to Move? Rent Prices Hit a 4-Year Low in Toronto — Here’s What That Means for Te

Ontario 2026 Rent Increase Guidelines: What Tenants and Landlords Need to Know

As 2026 begins, both tenants and landlords across Ontario are preparing for potential rent changes. Understanding the Ontario rent increase guidelines is essential to stay compliant, avoid disputes, and plan your budget effectively. This guide breaks down the standard rent increase guideline, when l

Bank of Canada Holds Interest Rate at 2.25% | Ontario Real Estate Market Update

The Bank of Canada holds the overnight rate at 2.25%. Learn what this means for Ontario homebuyers, sellers, and homeowners heading into 2026. Next rate announcement: January 28, 2026. 📘 Bank of Canada Holds Rates at 2.25% — What This Means for Buyers, Sellers & Homeowners Across Ontario The Bank o

Bill 60 Ontario Rental Changes 2025 | What Renters & Landlords Must Know

Bill 60 is reshaping rental rules in Ontario for 2025. Learn how the new legislation affects leases, evictions, tenant responsibilities, landlord requirements, and what every renter and landlord in Ontario needs to know. 🏡 Bill 60 Just Changed Rentals in Ontario — Here’s What You Need to Know (2025

Why Landlords Should Consider Investing in Non-Rent-Controlled Buildings in Ontario

Investing in rental properties can be a lucrative way to build long-term wealth, but not all properties are created equal—especially in Ontario, where some buildings fall under rent control while others do not. For landlords looking to expand their portfolio, non-rent-controlled buildings offer uniq