We are talking conditions (contingencies) in Canadian real estate offers – protective clauses that allow buyers to back out of deals if certain requirements aren't met. After nearly disappearing during the pandemic housing frenzy, conditions are making a comeback as the market shifts toward buyers.

• Firm vs. Conditional Offers: A firm offer has no conditions and binds you immediately, while a conditional offer includes safety valves that let you walk away penalty-free if requirements aren't met.
• Main Condition Types: The most common buyer protections include financing (mortgage approval), home inspection, insurance, sale of existing property, assignment rights, and general due diligence.
• Market Context Matters: In buyer's markets you have leverage to include protective conditions, but in competitive seller's markets, conditions can make your offer less attractive.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

MULTIPLEX MASTERCLASS

LISTEN AD FREE

free 1 week trial for Realist Premium

Deal Analyzer

See omnystudio.com/listener for privacy information.

The history and evolution of condominiums in Canada, covering their emergence in the 1960s through today's challenges, with a focus on multiplex stratification. The we are joined by Ben Singer of SR Law for a deeper legal dive.

• Canada's first condo: The Brentwood Village townhouse complex in Edmonton (1967) was Canada's first registered condominium, enabled by the Condominium Act of 1967.
• Growth trajectory: Condos grew from less than 10% of Canadian homes before 1981 to 40-50% in recent years, with exponential growth since 1997.
• Multiplex stratification: Montreal and Vancouver have long embraced stratifying multiplexes into individually owned condo units, while Toronto is just beginning to explore this approach.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

MULTIPLEX MASTERCLASS

UGLY SWEATER HOLIDAY PARTY

LISTEN AD FREE

free 1 week trial for Realist Premium

Deal Analyzer

See omnystudio.com/listener for privacy information.

We cover the PWC-ULI Emerging Trends in Real Estate 2026 report, which analyzes Canada's real estate market through interviews with industry professionals. The report highlights housing affordability challenges while noting resilience in alternative sectors like retail, student housing, and industrial properties. Despite current difficulties, industry leaders remain cautiously optimistic about adapting to find new growth opportunities.

• Housing remains the central challenge — Affordability issues are affecting the entire real estate market, with government programs like Build Canada Homes emphasizing modular construction to accelerate supply
• Alternative asset classes are outperforming — Retail, student housing, self-storage, seniors' housing, and industrial properties show strong performance, with approximately 7.6 million Canadians (18.9%) now 65 or older driving demand in seniors' housing
• Market is shifting to "the age of the operator" — Success now depends on operational excellence, cross-industry partnerships, and technology integration rather than just identifying the right asset class or location

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

MULTIPLEX MASTERCLASS

UGLY SWEATER HOLIDAY PARTY

LISTEN AD FREE

free 1 week trial for Realist Premium

Deal Analyzer

See omnystudio.com/listener for privacy information.

Ontario's Bill 60 (Fighting Delays, Building Faster Act, 2025) introduces major changes to landlord-tenant law aimed at speeding up evictions and reducing Landlord and Tenant Board delays. The legislation shortens timelines for tenants to respond to eviction notices, limits their ability to raise defenses at hearings, and reduces compensation requirements for certain evictions.

• Faster evictions for non-payment: Grace period cut from 14 days to 7 days, and tenants must now pay 50% of arrears upfront to raise maintenance issues as a defense
• Reduced tenant protections: Tenants can no longer raise new issues at hearings without advance notice, and appeal timelines shortened from 30 to 15 days
• Lower eviction costs for landlords: Landlords giving 120+ days notice for "own use" evictions no longer need to pay one month's compensation

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

MULTIPLEX MASTERCLASS

UGLY SWEATER HOLIDAY PARTY

LISTEN AD FREE

free 1 week trial for Realist Premium

Deal Analyzer

See omnystudio.com/listener for privacy information.

Nick & Dan discuss the benefits of owning a home, both financial (building equity, fixed mortgage payments, tax advantages) and emotional (stability, freedom, community), while acknowledging affordability challenges. They introduce the episode's focus: a step-by-step guide to buying your first home, including building a "power team" of professionals and using tools like the First Home Savings Account.

• Homeownership builds equity and wealth over time, unlike rent, while offering predictable costs through fixed-rate mortgages and potential tax benefits.
• Beyond finances, owning a home provides stability, freedom to personalize your space, pride in achievement, stronger community connections, and freedom from landlord-related frustrations.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

MULTIPLEX MASTERCLASS

UGLY SWEATER HOLIDAY PARTY

LISTEN AD FREE

free 1 week trial for Realist Premium

Deal Analyzer

See omnystudio.com/listener for privacy information.

The Canadian housing market in October 2025 showed modest growth with sales up 0.9% from September, marking the sixth increase in seven months. The market is balanced but gradually tightening, with the sales-to-new-listings ratio at 52.2% and months of inventory at 4.4 months. Prices have stabilized, with the national average at $690,000 (down just 1.1% year-over-year) and the MLS Home Price Index up 0.2% month-over-month.

• End-user demand is returning as interest rates reach "almost stimulative territory," though buyers remain cautious due to economic uncertainty.
• After corrections in 2022-2023, home prices have stabilized and are moving sideways to slightly up, with year-over-year declines narrowing to their smallest levels since spring.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

MULTIPLEX MASTERCLASS

UGLY SWEATER HOLIDAY PARTY

LISTEN AD FREE

free 1 week trial for Realist Premium

Deal Analyzer

See omnystudio.com/listener for privacy information.

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.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

MULTIPLEX MASTERCLASS

UGLY SWEATER HOLIDAY PARTY

LISTEN AD FREE

free 1 week trial for Realist Premium

See omnystudio.com/listener for privacy information.

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.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

UGLY SWEATER HOLIDAY PARTY

LISTEN AD FREE

free 1 week trial for Realist Premium

See omnystudio.com/listener for privacy information.