We look at affordability across the country, and what income you need in each province and city to afford a home - we do a deep dive on a few of those key markets. Median household income in the country is $68,400. The national average house price in Canada hit $656,625 in October 2023 We look at the average income vs the average price the difference between max purchase price and average home price 195 % average home price above max purchase price & $800,700 Difference between average home price and max purchase price See omnystudio.com/listener for privacy information.

Here is it, the step by step process to properly buying your first investment property by following the fundamentals of real estate and setting up for scale. This is a high level look at some of the material we cover in our course, realist How to pick a market How to analyze deals and build a power team Understanding finances & setting up for scale Executing and managing your first property If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

Investment vs Speculation which could also be known as cash flow vs capital appreciation What are the differences between both? The pros and cons What expenses play a role in both and how much to measure your costs How to achieve a balanced approach If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

This is literally the question everyone is asking at the moment, we do a deep dive. Are we in a recession ? What are the economist saying.. Statistics Canada reported that the housing market contributed more to the gross domestic product, totalling approximately $267 billion. If inflation reaches the target of 2-3%, the Bank of Canada would feel comfortable to cautiously reduce interest rates slowly to see how it impacts that inflation. If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

Airbnb, an amazing show sponsor, and other STR companies have been making the news for all the wrong reasons. Major cities across the country and the world are restricting short term rentals, we do a deep dive; The pros and cons of STR's Will restricting short term rentals help solve the housing crisis If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

We are going to look at Bonds, specifically, What is a bond - Why are they important - How the effect mortgages and the real estate market. A brief history and a definition of bonds All the types of common bonds How Government bonds play a role in the economy Nick & Dans favorite jJames Bond cars If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

What do New Zealand & Canada have in common? A housing Crisis, but they dealt with it in very different ways. We are joined by entrepreneur, speaker and developer Graham Carter who is familiar with both markets and provides insights on how the two countries have reacted. LinkedIn - https://www.linkedin.com/in/graham-carter-8872508/ Website – thoughtsbygraham.com Vertex - https://vertexdevelopments.com Insta @thoughtsbygraham If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

There is a new tax for real estate, the underused housing tax. We do a thorough analysis of what it is, who it effects and why the government implemented it. This tax was supposed to be implemented now but just got pushed another 6 months Why people haven't been responding to this tax What information is being captured from this tax How to calculate the amount you owe and how to pay it If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

The Skyscraper Index is an interesting economic concept, and it's essentially a tongue-in-cheek theory that suggests a correlation between the construction of super-tall skyscrapers and financial crashes. Bankruptcy of Canada’s Largest Residential Tower The CN tower was completed in 1976, at a time when Toronto and Canada, in general, were experiencing significant economic growth Economic cycles and business cycles If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

With Record Level Debt in Canada - Has the Mortgage Stress Test Worked ? We look at what the stress test is and why it was implemented. DTI - debt to income ratio - Canadians owe $1.84 for every $1 they earn debt levels across all age brackets changes being made to the stress test what happens when renewals come in in 2024-2025 If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

Markets come and go. Good ones, bad ones, flat ones ugly ones. So as investors, how do we act accordingly? Business cycles and recessions Business & real estate legends that capitalized on precious recessions How to invest in a down market and what you should be doing right now If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

We look at a report from the Fraser Institute - Canada’s Growing Housing Gap Comparing Population Growth and Housing Completions in Canada, 1972–2022 Nationally, Canada has yet to build more homes annually than it did during the 1970s. This is also the case in 9 out of 10 provinces. Throughout most of this period, Canada’s population grew by one to three people for every housing unit completed the previous year. In 2022, population grew by 4.7 people for every unit completed the previous year—higher than at any other time. - thats the national level Among the provinces, this ratio ranges from 2.8 people per home completed in Quebec to 11.3 people per completion in New Brunswick in 2022. If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

We What is ReHousing ? Who is this meant for? We are joined by Conrad Speckert & Samantha Eby, two architect's on a mission to reshape the urban landscape by converting single-family homes into multi-unit housing, using affordable, common-sense design to yield high-quality, well-designed space. Tell us about the yellow belt and why is has been so restricting on growth Can we walk through the housing types in your catalogue, and some of the prices - categories Low, Medium, High What has adoption been like? Have you seen increased interest with recent policy changes across the country? If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

Banking regulator says about $250B worth of home loans are either currently or soon to be negatively amortized 50 + year mortgages - how long could they get? Why & how a mortgage can become negatively amortized OSFI's new guidelines to deal with them If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

We cover Dan's economic report, including: What inflation is doing & Job numbers Buyers Vs Sellers Vs Balanced Market More People are searching for VTB's and Power Of Sale Listings If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

We look at one of the biggest tenants in the world, and one of the biggest landlords in the world, we’ll discuss how they become so big, what asset class they dominate and what we can learn from the way they do business. Amazon holds over $57 billion worth of land and buildings - more than any other US public company other than Walmart - making them one of the largest real estate owners….in the world Hamid Moghadam, The CEO, was the highest-paid executive of a publicly traded real estate firm, pulling in $25 million in bonuses and other compensation If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

We look at an economic study from Desjardins, “How Low Can Prices Go in T.O.? Even A Severe Recession Likely Won’t Make Housing Affordable in Toronto”, we also chat about, Rental housing has a history of being stimulus or make-work project CMHC examines 1970s tax shelter as agency seeks solutions to rental crisis Lessons learned from the past 3 recession If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

How the government and central bank can crash or save the economy as we head into more economic turmoil. What is a hard landing vs. soft landing for Canadian Real Estate. What is the role of a central bank HOPE - Housing - Orders - Profits - Employment Quantitate Tightening & Quantitative Easing If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

The government is increasing the Canada Mortgage Bond issuance limit by $20 billion per year and designating the increased amount for funding mortgage loans on multi-unit rental projects insured by CMHC. CMHC predicting that Canada needs 3.45 million more homes by 2030 Rental projects must have at least five rental units and can include apartment buildings, student housing, and senior residences. Canada makes 22.3 billion dollars from tuition fees, that is more than their most major export (auto parts) at 19.2 billion. 76% comes from international students If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.

Lots happening in the economy and the real estate market, we look at several different top news stories & sources, 3.45 million more homes by 2030 to cut housing costs How Mortgage Payments Stacked Up Over The Past 2 Years Half Of Canadians Think They Will Never Be Able To Buy A Home Canada No Longer Has The Lowest Inflation In The G7, Set To Accelerate If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course Course Sign up for the Newsletter Meetups Meetups Merch merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch instagram.com/danielfoch tiktok.com/@danielfoch See omnystudio.com/listener for privacy information.