The key differences between residential and commercial real estate investing in Canada. Here are three main takeaways:

• Residential real estate is more accessible for beginners, requiring lower down payments (as low as 5% for house hacking, typically 20% for investment properties) and offering simpler management, though with lower returns (5-8%).
• Commercial properties require higher initial investments (20-30% down, sometimes up to 50%) but can offer superior returns through longer lease terms and net lease structures where tenants cover various expenses.
• While residential properties provide more stable income during economic downturns since people always need housing, commercial properties are more vulnerable to economic fluctuations, as evidenced by their performance during COVID-19.

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Canada's recent election where Carney won, with both major parties having similar housing and economic policies. The conversation explores post-election economic challenges, including trade tensions with the US and potential recession concerns⁠⁠.

• About 85% of Canadians voted for similar housing policies, with consensus on issues like lower taxes, help for first-time buyers, and the need to build 300-500k homes per year⁠⁠.
• Trade tensions with the US are creating economic uncertainty, with Carney and Trump scheduled to meet, while Deloitte predicts a recession and RBC forecasts a significant economic slowdown⁠⁠.
• The government is planning targeted responses including infrastructure spending and immigration policy changes, with permanent resident intake being reduced from 500,000 to 365,000⁠⁠.

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

Buy & sell real estate with Ai at Valery.ca

Get a mortgage pre-approval with Owl Mortgage

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This episode's second part focuses on the seller's perspective in real estate transactions. We explore key considerations and provide practical guidance for homeowners looking to sell, addressing common questions about the selling process.

• Selling Costs: The total cost of selling a home includes REALTOR® fees (3-7%), legal fees (~$1,500), staging costs, cleaning fees, and potential mortgage penalties.
• Market Timing: While late spring and early summer are typically optimal for selling, market conditions can vary significantly, making timing subjective.
• Property Value Assessment: Realtors use Comparative Market Analysis (CMA) to determine property values by examining similar properties, analyzing sale prices, and considering factors like location, features, and market conditions.

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