BLD Financial Podcast

"Does the BRRRR strategy still work in Canada… or is it over?”In this episode of the BLD Financial Podcast, we’re joined by Jack Bernstein of Bernstone Capital to break down what’s actually happening in today’s Canadian real estate market and why many of the strategies that worked over the last cycle are no longer producing the same results and how investors are being forced to adapt in today’s market.From rising interest rates and shifting cap rates to softening rents and tighter lending conditions, the environment that made BRRRR so effective has fundamentally changed.This conversation goes deep into what investors are getting wrong right now, where deals are breaking down, and how experienced operators are adapting their strategies to survive and scale in this new market cycle.We also explore the growing shift from small residential portfolios into mid-size multifamily (5–25 units), and why access to deals, proper underwriting, and long-term thinking matter more than ever.We break down:✅ Does the BRRRR strategy still work in Canada today✅ Why high-leverage deals (90–95% LTV) are becoming increasingly risky✅ The truth about cash flow and why it’s often an illusion early on✅ Why many investors are struggling with refinancing and negative equity✅ How cap rates, rent shifts, and market cycles are impacting deal viability✅ The shift from “velocity investing” to long-term buy-and-hold strategies✅ Why most multifamily deals aren’t as simple as they look on paper✅ How serious investors are adapting their approach in 2026 and beyondAs the Canadian housing market continues to reset, this episode provides a real, unfiltered look at what’s working, what’s not, and what investors need to understand before making their next move.Whether you’re a real estate investor, developer, mortgage professional, or simply trying to understand where the market is heading, this episode offers a grounded, insider perspective on navigating today’s investment landscape.If you enjoyed this episode, make sure to follow or subscribe to the BLD Financial Podcast and share it with someone who would find it valuable.About Jack Bernstein:Jack Bernstein is the founder of Bernstone Capital, a real estate firm focused on mid market multifamily transactions across Ontario.Specializing in the 5 to 50 unit space, Jack works directly with investors to source, structure, and execute deals that sit between traditional residential investing and institutional grade assets.His approach is centered on guiding clients through the full transaction process, from acquisition strategy and underwriting to stabilization and long term portfolio growth, with a focus on navigating complex deals in today’s shifting market.With a strong understanding of capital markets, deal structuring, and evolving investor behavior, Jack helps bridge the gap between opportunity and execution for investors looking to scale beyond small residential portfolios.In a market where many traditional strategies are breaking down, his focus is on helping investors adapt to changing fundamentals and make more informed, long term decisions.Follow & Connect with Jack Bernstein:Instagram - https://www.instagram.com/bernstonecapital/Facebook - https://www.facebook.com/jackdanielbYouTube - https://www.youtube.com/@BernstoneCapitalWebsite - https://www.bernstonecapital.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“We believe the next 5 years will be the best 5 years the mortgage industry has ever seen.”In this episode of the BLD Financial Podcast, we’re joined by Eddy Cocciollo, President of DLCG Mortgage Group, one of Canada’s largest mortgage brokerage groups, supporting over 9,000 agents Canada wide.This episode breaks down where the Canadian mortgage and real estate market is actually headed, from someone who has worked inside banks, CMHC, and now leads one of the most influential mortgage organizations in the country.With decades of experience across Canada Trust, CIBC, CMHC, and executive leadership roles, Eddy shares a rare, full-spectrum perspective on lending, risk, and how the system has evolved through major economic cycles, including the 2008 financial crisis.While uncertainty around rates, affordability, and AI continues to grow, Eddy explains why he believes the next 5 years could be the strongest the mortgage industry has ever seen, and what that means for brokers, investors, and everyday Canadians.We break down:✅ Why Canada’s mortgage system is more resilient than most countries✅ Why mortgage brokers are gaining market share (and will continue to)✅ The real impact AI will have on brokers, lenders, and deal flow✅ Why complexity in lending is increasing demand for expert advice✅ Where growth is coming from in the next phase of the marketAs lending becomes more complex and technology continues to evolve, the role of the mortgage professional is changing, not disappearing.Whether you’re a real estate investor, mortgage broker, or someone trying to understand where the housing market is going next, this episode provides a high-level, insider perspective on the future of lending in Canada.If you enjoyed this episode, make sure to follow or subscribe to the BLD Financial Podcast and share it with someone who would find it valuable.About Eddy Cocciollo:Eddy Cocciollo is the President of DLCG Mortgage Group, the parent company to Dominion Lending Centres and its network of mortgage brands. With a career spanning banking, government (CMHC), and executive leadership, Eddy has played a pivotal role in shaping mortgage distribution and broker growth across the country. He oversees a national network of over 9,000 agents and supports one of the largest volumes of mortgage originations in Canada.Follow & Connect with Eddy:Instagram - https://www.instagram.com/eddycocciollo/Facebook - https://www.facebook.com/eddy.cocciolloE-mail - [email protected] Follow & Connect with DLC Group Of Companies:Website - www.dlcg.caYouTube - https://www.youtube.com/@dlcgmortgagegroup637LinkedIn - https://www.linkedin.com/company/dlcg-mortgage-group/Instagram - https://www.instagram.com/dlcgmortgage/Facebook - https://www.facebook.com/dlcgmortgage/Follow & Connect with DLC:Website - https://dominionlending.ca/?YouTube - https://www.youtube.com/user/DLCcanadaLinkedIn - https://www.linkedin.com/company/dominion-lending-centres/Instagram - https://www.instagram.com/dlccanada/Facebook - https://www.facebook.com/DominionLendingCentresCanada Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

 “You think you're walking into a project… and then you find out after you've acquired it, you can’t even do it.” In this episode of the BLD Financial Podcast, we’re joined by Zachary Jancsar, a mid-market real estate developer, brokerage owner, and investor who has scaled from small residential deals to over 70 multifamily units across Southwestern Ontario. This episode breaks down the real, behind-the-scenes truth of real estate development, from first deals to mid-size multifamily projects, and what actually happens when you try to scale in today’s market.With over 20 years of experience in real estate, land, and multifamily development, Zack shares how he transitioned from student rentals and small BRRRR deals into larger infill developments, construction projects, and vertically integrated operations including property management and construction.While many new investors are rushing into development chasing bigger deals, Zack explains why most first-time developers underestimate timelines, capital requirements, and risk, and how that leads to costly mistakes early in the process.We break down:✅ Why most developers fail before they even finish their first project✅ The “experience tax” and mistakes that can cost you hundreds of thousands✅ Why timelines, not costs, are the biggest risk in development✅ How market shifts and financing changes can kill deals mid-project✅ Why scaling multifamily requires more than just building biggerAs construction costs remain volatile and financing conditions continue to evolve, the path to becoming a successful developer is far more complex than it appears online.Whether you’re looking to build your first multiplex, scale into mid-size multifamily, or better understand the risks behind development in Canada, this episode offers a grounded, experience-driven perspective on what it actually takes to succeed.Who is Zachary Jancsar?Zachary Jancsar is a real estate developer, Broker of Record, and investor based in Southwestern Ontario. With over 20 years of experience, he has built and scaled a portfolio of residential and multifamily properties while also operating across brokerage, construction, and property management. His approach focuses on long-term investing, strategic development, and helping others navigate real estate with a full-picture perspective.Follow & Connect with Zachary Jancsar:Linked-In - https://www.linkedin.com/in/zachary-s-jancsar-6b221830/Instagram - https://www.instagram.com/zacharyjancsar/Building Group Website - https://www.jhbuildinggroup.ca/Property Management Website - https://www.jhpm.ca/Family Advantage Website - thefamilyadvantage.caEmail - [email protected] - (226) 799-1963Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“A major mistake right now is that a lot of money gets left on the table when developers don’t think about rebates and incentives early enough.”In this episode of the BLD Financial Podcast, we’re joined again by Jayden Haywood, founder of PL Energy, an engineering firm specializing in energy modeling, CMHC MLI Select compliance, and helping developers unlock energy rebates and incentives across Canada. This episode covers CMHC MLI Select, energy efficiency incentives, real estate development strategy, and how Canadian developers can leverage government rebates to improve project economics.With nearly two decades in the energy and building science space and experience working with everyone from small multiplex developers to Canada’s largest high-rise builders Jayden explains how energy efficiency, CMHC financing, and government incentive programs are increasingly shaping the economics of real estate development.While many developers assume that “building green” automatically means higher costs, Jayden explains why that isn’t always true and how rebates, automation, and smarter building systems can dramatically offset construction costs. We break down:✅ How developers are securing 30–40% rebates on major mechanical systems✅ Why millions in energy incentives are being left on the table by developers✅ Ontario’s aggressive push toward energy efficiency and $11B in incentive programs✅ Why energy modeling and rebate planning must start before architectural drawings are finalized✅ The upcoming CMHC changes requiring buildings to reach 60–70% above national building code✅ How smart automation, building controls, and AI-driven systems are becoming the “silver bullet” for energy performance✅ Why building green may actually reduce costs when incentives are properly structured As construction costs rise and policy changes continue to reshape the development landscape, understanding how to integrate energy efficiency, incentives, and smarter building design is quickly becoming a competitive advantage.Whether you’re developing missing middle multiplex projects, scaling multifamily developments, or trying to understand how CMHC programs influence project economics, this conversation provides practical insight into where real estate development is heading in Canada.Follow & Connect with Jayden Haywood:Pacific Light & Energy - https://www.pacific-le.com/YouTube - https://www.youtube.com/@PLEnergyRiverConsultingInstagram - https://www.instagram.com/pl_energy/Instagram - https://www.instagram.com/river.developments/LinkedIn - https://www.linkedin.com/in/jayden-haywood-80b96762River Developments - https://www.riverdevelopments.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

"We’re building a house behind a house.... we have a neighbor to the left, neighbor to the right, neighbor to the rear... very niche space in that aspect."In this episode of the BLD Financial Podcast, we’re joined by Yasser Majd, owner/operator of 555 Construction Management Inc and the Original ADU Home Service Provider for Home Depot Canada. With over 15 years of experience as both a real estate investor and construction operator, Yasser brings a rare, ground-level perspective on how Ontario’s housing market is evolving through Accessory Dwelling Units (ADUs), infill development, and small-scale densification. Yasser shares how he transitioned from house hacking and basement conversions into large multifamily and infill development projects — and why today’s biggest opportunities in Ontario real estate are no longer driven by speculation or finishes, but by zoning knowledge, density strategy, execution, and capital structure.We discuss:✅ The real cost of building Accessory Dwelling Units (ADUs) in Ontario✅ Basement suite conversions vs. garage retrofits vs. detached backyard homes✅ How infill developments and small-scale densification are reshaping neighborhoods✅ Why banks still classify ADUs as “outbuildings” — and how that affects financing✅ The role of small commercial lending and CMHC in ADU and multiplex financing✅ Municipal zoning changes, bylaw evolution, and Ontario’s push toward density✅ Why infill development requires a different operational mindset than subdivision buildingWhether you’re an investor looking to unlock hidden value in existing properties, a homeowner considering an ADU for family or income, or a professional trying to understand where construction and financing are actually headed, this conversation delivers clear, experience-backed insight into the future of density in Ontario real estate.Follow & Connect with Yasser at 555 Construction Management Inc:Website - https://555construction.ca/Instagram - https://www.instagram.com/555construction_management_inc/Facebook - https://www.facebook.com/profile.php?id=100090797359690YouTube - https://www.youtube.com/channel/UCKvdW1KBTUJTDSJAEaMofPAWant to see more of Yasser at 555 Construction Management Inc? Check out these videos on the Canadian Real Estate Channel: Accessory Dwelling Units in Canada | 300 sq/ft Detached Garage ADU Conversion Walkthrough - youtube.com/watch?v=LBf_J6s1O8U&list=PLVKh4BMVJHMP0bM3psIoFWVEz-mzbCcbl&index=10&pp=iAQBBuilding an Accessory Dwelling Unit | How This 600 sq/ft ADU Earns $2,300/month - https://www.youtube.com/watch?v=78RZNX17gWE&list=PLVKh4BMVJHMP0bM3psIoFWVEz-mzbCcbl&index=10Turn Your Backyard into Cash: 700 sq.ft Accessory Dwelling Unit Tour + Cost Breakdown - https://www.youtube.com/watch?v=iNPKTneyv0w&list=PLVKh4BMVJHMP0bM3psIoFWVEz-mzbCcbl&index=612 Bedroom Multi-Unit New Build in Hamilton, Ontario | Full Tour + Construction Breakdown - https://youtu.be/t3T5emzLW_ECheck Out Some of 555 Construction's Projects:  https://555construction.ca/home/projects/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“Once you control the land, everything becomes a business decision — not an emotional one.”In this episode of the BLD Financial Podcast, we’re joined by Dane Buttenaar, a real estate developer who scaled from small multifamily properties into controlling 60 acres of development land in Ontario.Dane walks through what scaling actually looks like — from early triplex and fourplex deals, to missing-middle projects, to large-scale land development. We unpack the realities behind construction costs, financing, partnerships, and why development forces investors to think like operators, not speculators.This conversation goes beyond theory. Dane shares real war stories from the field, including near-miss deals, capital challenges, and the lessons that only come from building projects out of the ground.In this episode, we explore:✅ The transition from small multifamily to large-scale development✅ Why scaling in real estate is not linear✅ The real role of capital, experience, and partnerships in development✅ Renovations vs. new builds — and why many developers are switching✅ How credit unions, construction loans, and CMHC fit together✅ Why controlling land changes the entire investment equation✅ The biggest risks developers face before a shovel ever hits the ground✅ What investors misunderstand about “scaling” in real estateWhether you’re an investor looking to move beyond small multifamily, or someone trying to understand what real estate development actually entails, this episode delivers a grounded, experience-driven look at what it takes to scale responsibly.Who is Dane Buttenaar?Dane Buttenaar began his career in hands-on construction and site work, starting in landscape and project construction, where he developed a practical understanding of costs, timelines, and managing trades. That foundation led him into real estate investing, where he began acquiring and operating small multifamily properties, using triplexes and value-add rentals to build stable, active income.Over time, Dane transitioned from renovations into ground-up development, scaling from small multifamily projects into missing-middle builds and ultimately large-scale land development, including controlling 60+ acres of development land in Ontario. Through DASA Properties, he focuses on purpose-built rental housing and infill development, applying a disciplined, numbers-first approach to construction, financing, and partnerships. His journey reflects the realities of scaling in real estate - where execution, experience, and capital matter more than speculation.Follow & Connect with Dane Buttenaar:Website - https://www.dasaproperties.ca/Instagram - https://www.instagram.com/dbutts8/The Beach Motel - https://thebeachmotel.ca/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“People were drunk off of the appreciation of the assets over two decades... It's almost like a bad hangover”In this episode of the BLD Financial Podcast, we’re joined by Vince Gaetano, a veteran mortgage professional with over 35 years of experience who has lived through every major real estate cycle — from working with bailiffs in the early 1990s to advising homeowners and investors in today’s high-pressure market.Vince brings a rare, data-first perspective shaped by decades in the industry. Together, we unpack the hard truths behind today’s housing market, the growing pressure on the middle class, and the consequences of relying on short-term fixes instead of fundamentals. Vince breaks down why financial literacy matters more than ever, how rising rates have exposed behavioral risks, and what Canadians need to understand before making their next financial move.In this episode, we explore:✅ The downside of the current real estate cycle and why so many Canadians are feeling financial pressure✅ How cash-flow crunches are forcing difficult decisions for both new and experienced investors✅ Why data, discipline, and behavior matter more than market predictions✅ What the short-term outlook for Canadian real estate actually looks like ✅ How CMHC policy decisions and ultra-low rates reshaped borrower behavior✅ Why declining financial literacy is hurting Canadians more than market volatility✅ What today’s buyers and homeowners need to understand before making their next move✅ Vince’s mission to educate Canadians and cut through misinformation onlineWhether you’re a first-time buyer, an investor navigating a tougher market, or someone trying to make sense of Canada’s shifting economy, this conversation delivers practical, experience-driven insights to help you make smarter financial decisions.Who is Vince Gaetano?From a young age, Vince Gaetano knew he wanted to run his own business. Starting with a newspaper route, grass cutting, and snow shovelling, he eventually made the decision to go into the lending branch of banking. During his university days, Vince was first exposed to the mortgage world through TD, and he would go on to spend his first decade in the mortgage business with TD Bank's national mortgage broker unit and with BMO as a national sales manager.Vince has always enjoyed helping people buy homes and educating people on mortgages, as demonstrated by almost two decades worth of giving advice on CP24’s weekly Hot Property program. Born of this passion to educate, OwlMortgage.ca was created to provide an education-first and empathetic approach to mortgages.Follow & Connect with Vince Gaetano:YouTube - https://www.youtube.com/@wiseoldowlshowInstagram - https://www.instagram.com/vincegmortgage/?hl=enLinkedIn - https://www.linkedin.com/in/vince-gaetano-58a1106/Facebook - https://www.facebook.com/OwlMortgage.caTwitter/X - http://x.com/VinceGaetanoPodcast - https://open.spotify.com/show/3928IWHSwO3avGMcaNJo27Website - https://www.owlmortgage.ca/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“People envy where you are now — they don’t envy how you got there.”In this episode of the BLD Financial Podcast, we sit down with Jason Castellan, CEO and Co-Founder of Skyline Group of Companies, one of Canada’s largest private real estate operators with $10.5B+ investment in assets under management.Jason breaks down how Skyline grew from student rentals in the early 1990s into a multi-fund platform spanning multifamily, retail, industrial, and clean energy — and why today’s market feels eerily similar to past downturns that created massive opportunity.We dive deep into how institutional capital actually thinks, where money is flowing right now, and why secondary and tertiary markets are winning while some major cities fall behind.This episode covers:✅ How real estate cycles repeat and why today feels familiar✅ Institutional capital vs small investor decision-making✅ Why capital flows to the path of least resistance✅ Government policy, housing supply & development charges✅ CMHC financing and why scale matters✅ Cap rate decompression, debt strategy & valuation shiftsJason also shares why real estate is never truly passive, how Skyline manages debt through volatile cycles, and why balance-sheet strength matters more than ever in today’s environment.If you want a real, unfiltered look at how serious real estate operators deploy capital through uncertainty, this is a must-watch.Who is Jason Castellan?Jason Castellan is the CEO & Co-Founder of Skyline Group of Companies. He has been purchasing, owning, managing, and financing income-producing real assets since 1991 and leads Skyline’s national strategy across asset acquisition, management, development, and investment.His leadership philosophy is rooted in long-term thinking, disciplined capital allocation, and building trust with investors — a core reason Skyline has grown into one of Canada’s most respected private real estate platforms.Follow & Connect with Jason Castellan & Skyline Group of Companies:Instagram - https://www.instagram.com/skylinegroupofcompanies/?hl=enLinkedIn - https://www.linkedin.com/in/jason-castellan-498a6810/?originalSubdomain=caWebsite - https://www.skylinegroupofcompanies.ca/YouTube - https://www.youtube.com/@skylineGOCFollow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“It’s not the money, it’s the game — that’s what I actually love about real estate.”In this episode of the BLD Financial Podcast, we sit down with Joe Mysak, the 'fixer' trusted by Canada’s old-school real estate families.With more than 35 years in the business, Joe has built a reputation for quietly solving the deals others cannot. His work lives behind the scenes, helping multi-generation landlords, family offices, and long-time asset owners navigate complex transactions where trust, judgment, and execution matter more than hype.This conversation pulls back the curtain on how experienced operators actually think about real estate, especially in today’s market.This episode we discuss:✅ How aggressive rent strategies can quietly damage cash flow, partnerships, and long-term outcomes✅ What old-school landlords understand about rent rolls, underwriting, and fundamentals that many newer investors miss✅ The real risks and realities of tenant turnover and cash-for-keys when done the wrong way✅ Why CMHC financing, proper due diligence, and patience matter more than ever right now✅ How buyer behavior is shifting toward de-risking, semi-stabilized assets, and fundamentals✅ Why having the right team around you can be the difference between a deal closing or falling apartWhether you’re an investor, broker, or real estate professional, this conversation is a playbook for navigating today’s rental market, uncovering hidden opportunities, and making smarter multifamily investments.Who is Joe Mysak?Joe graduated from the University of Western Ontario in 2004 with a degree in business and economics—the same year Mysak Realty was founded and began specializing in apartment building sales. He became Broker of Record in 2008. With over $750 million in multi-residential deals and features in The Toronto Star and The Globe and Mail, Joe is known for his strong work ethic, strategic marketing, and expert negotiation skills. His straightforward, results-driven approach has earned him a trusted reputation among clients. A passionate dealmaker, Joe has built systems and databases that maximize property exposure for sellers and streamline searches for buyers. He continually tracks client investment goals, studies market trends, and speaks at industry events to ensure his clients receive the best insights and opportunities in the multi-residential sector.Follow & Connect with Joe Mysak:Instagram - https://www.instagram.com/mysakrealty/?hl=enLinkedIn - https://www.linkedin.com/in/joemysak/?originalSubdomain=caFacebook - https://www.facebook.com/mysakrealty/Website - https://mysakrealty.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

 “Most people think housing got more expensive. It didn’t — the dollar got weaker.” In this episode, we sit down with Nick Karadza, an investor, educator, and co-founder of Rock Star Inner Circle whose work has helped thousands of Canadians navigate the intersection of money and real estate.Nick breaks down how the 2008 financial crisis changed his worldview, why younger investors today are far more educated than previous generations, and how the erosion of Canada’s currency has quietly destroyed purchasing power for decades.In this episode, we discuss:✅ Why building in-person community still matters✅ Lessons from the 2008 financial crisis and today’s parallels✅ Why investors are becoming more data-driven than ever✅ How bond yields, cap rates, and policy decisions shape opportunity✅ The rise of multifamily demand & tightening commercial financing✅ Financial censorship, frozen bank accounts & protecting personal wealth... and more!From Canada’s affordability crisis to global de-dollarization, this episode examines the economic, social, and monetary forces shaping the next decade and what it means for investors, homeowners, and anyone trying to build financial stability.Who is Nick Karadza?Nick Karadza left his corporate career at Fortune 500 company Oracle to focus full-time on real estate. Starting at just 21, he bought, renovated, and sold his first property for profit in three months, then quickly expanded across Ontario’s Golden Horseshoe, achieving financial freedom in his mid-twenties.Partnering with his brother Tom, they built Rock Star Real Estate, a 60+ person team that has helped over 5,600 Canadians create income for life through real estate investing. Their work has been featured in The National Post, BNN, and Canadian Real Estate Wealth Magazine.For more than 15 years, Nick and Tom have also published a monthly newsletter sharing real estate insights, economic trends, and investor success stories, continuing their mission to help Canadians take control of their financial future.Follow & Connect with Nick Karadza:LinkedIn - https://www.linkedin.com/in/nick-karadza-80b17/Website - https://rockstarbrokerage.com/Follow & Connect with Rock Star Real Estate:Facebook - https://www.facebook.com/RockStarInnerCircleInstagram - https://www.instagram.com/rockstarinnercircle/YouTube - https://www.youtube.com/@rockstarinnercircleLinkedIn - https://www.linkedin.com/company/rock-star-real-estate-inc-/Website - https://rockstarinnercircle.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

In this episode of The BLD Financial Podcast, we’re joined by Michal Wach, a real estate investor, tax accountant, and coach who has been investing since 2008.Michal shares how he built a portfolio that includes a Muskoka luxury cottage, navigated multiple market cycles, and transitioned into tax advisory for investors and self-employed Canadians. They unpack common mistakes investors make with taxes, incorporation, and structuring, and explore how smart planning and professional guidance can protect and grow wealth.In this episode, we explore:✅ How Michal started investing during the 2008 financial crisis and built long-term wealth through rental properties✅ Lessons from 15+ years of market cycles, including the explosive 2019–2021 boom and today’s correction✅ How social media has turned everyday investors into “economists” tracking CPI, job reports, and bond yields✅ Why tax strategy is the most overlooked element in real estate investing✅ Common mistakes investors make: unfiled taxes, poor bookkeeping, and rushing to incorporate✅ When incorporating makes sense and when it can actually hurt your portfolio✅ Advanced structures like family trusts and holding companies: who really needs them✅ Debunking myths around capital gains, double taxation, and long-term planning✅ Why transitioning from real estate investing to owning an active business can accelerate cash flow and wealthWhether you’re a beginner investor, scaling a portfolio, or looking to optimize your tax strategy, this episode delivers actionable insights to help you make smarter decisions and protect your financial future.Who is Michal Wach?Michal Wach is a husband, father, accountant, and real estate investor. Alongside his wife Anna, he owns and manage multiple investment properties in Southern Ontario, and has been investing since 2009.Follow & Connect with Michal Wach:Instagram - https://www.instagram.com/wachproperties/LinkedIn - https://www.linkedin.com/in/michal-wach-cpa-ca-2955a37/Website - https://wachproperties.ca/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“2025 was the year of volatility — but out of the chaos came stability.”In this episode of the BLD Financial Podcast, Josh & Ehren break down what defined the Canadian real estate market in 2025—and what investors need to prepare for heading into 2026.They unpack the interest rate shifts, CMHC policy updates, and bond yield movements that shaped the past year, and share actionable insights for navigating the multifamily, construction, and development sectors as the market stabilizes.You’ll also hear their take on the rise of missing middle housing, why mid-size developers are leading the next wave of growth, and how to structure financing in a tighter lending environment.Topics covered include:✅ How CMHC’s premium and underwriting changes affect new projects✅ The real impact of bond yields and policy shifts on cash flow✅ Why lenders are tightening up even as rates fall✅ The growing opportunity in missing middle housing✅ Smart acquisition and refinancing strategies for 2026✅ How to position your team and relationships for off-market dealsWhether you’re an investor, developer, or industry professional, this episode will help you understand the capital markets behind Canadian real estate and make confident, data-driven decisions for the year ahead.Subscribe to the BLD Financial Podcast for more insights from Canada’s top investors, developers, and industry experts.Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

“We’ve Killed the Condo Market.”Toronto City Councillor Brad Bradford joins Josh & Ehren to break down how policy, red tape, and costs are choking housing supply — and what it’ll take to make Toronto buildable again.Listen to the full conversation on Toronto’s housing crisis, missing middle development, and the future of affordability. In episode 16, urban planner–turned–City Councillor Brad Bradford shares how smarter planning, better policy, and collaboration can unlock housing affordability in Toronto. Brad shares how his journey from the private planning world to City Hall—and a razor-thin election win by just 286 votes—shaped his belief that the only path forward is through supply-driven solutions, not political posturing or red tape. We unpack Toronto's “missing middle” opportunity, the disconnect between planners, politicians, and developers, and the urgent need to modernize the city’s housing framework. We discuss the economic, social, and policy levers needed to restore balance and affordability in one of North America’s most expensive markets.In this episode, we explore:✅ How Brad’s background in urban planning led him to challenge City Hall’s “culture of no”✅ Why bureaucratic red tape, not developers, is the biggest barrier to housing supply✅ How the “missing middle” could solve Toronto’s affordability crisis✅ Why government fees and taxes now make up nearly 30% of a home’s cost—and how to fix it✅ Why condo projects are slowing down and how small builders can seize the opportunity✅ The dangerous rise of anti-development politics and how it drives prices higher✅ Why leadership means managing change, not avoiding it✅ How empathy, collaboration, and trial-and-error policymaking can rebuild public trust✅ The connection between policy, capital, and supply, and why alignment is criticalWhether you’re a developer, investor, or policymaker, this episode takes a look at what it will take to make Toronto buildable again. 🎧 Listen & Subscribe: Find the BLD Financial Podcast on Apple Podcasts, Spotify, Amazon Music, or wherever you get your podcasts. Who is Brad Bradford?Brad Bradford is the City Councillor for Ward 19, Beaches–East York. With experience as an urban planner, Brad has been the driving force behind important housing initiatives like accelerating and streamlining the approvals process, enabling office-to-residential conversions, building more modular housing, increasing density on major streets and avenues, eliminating the “wedding cake” angular plane from midrise buildings, and reducing the cost to build purpose-built rental homes and multiplexes.Follow & Connect with Brad Bradford:Instagram - https://www.instagram.com/bradfordgrams/LinkedIn - https://www.linkedin.com/in/brad-bradford/X - https://x.com/BradMBradfordFacebook - https://www.facebook.com/BradMBradford/Website - https://www.toronto.ca/city-government/council/members-of-council/councillor-ward-19/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360

Nick Hill shares a warning every Canadian real estate investor, broker, and entrepreneur needs to hear about the future of AI, Universal Basic Income (UBI), and the direction of Canadian real estate investing.In the fifteenth episode of the BLD Financial Podcast, we’re joined by Nick Hill, Canadian real estate investor, mortgage agent, and co-host of the Canadian Real Estate Investor Podcast. From building one of Canada's top real estate podcasts to helping thousands of investors understand the market, Nick reveals lessons on consistency, community, and adapting to change.This Nick Hill podcast episode explores: ✅ How Nick turned a niche podcast into one of Canada’s leading real estate shows ✅ Why COVID accelerated the growth of online real estate communities ✅ How AI tools like ChatGPT are changing investing, business, and society ✅ Opportunities in multiplexing, land assembly, and housing strategy ✅ What universal basic income (UBI) could mean for investors and markets ✅ The role of consistency in content, investing, and business growthWhether you’re an investor, mortgage professional, or entrepreneur, this conversation is a playbook for adapting to change, building influence, and thriving in the future of real estate.Subscribe to the BLD Financial Podcast for more conversations with Canada’s top investors, entrepreneurs, and developers.Who is Nick Hill?Nick Hill is a Canadian real estate investor and host of The Canadian Real Estate Investor Podcast who simplifies complex strategies for everyday investors. From multiplexes to market trends, he shares insights that help both new and seasoned investors build wealth with confidence.Follow & Connect with Nick Hill:Instagram - https://www.instagram.com/mybuddynick/LinkedIn - linkedin.com/in/nick-hill-337a8762The Canadian Real Estate Investor Podcast: https://www.instagram.com/canadianrealestateinvestor/Podcast: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-investor/id1634197127Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360  #CanadianRealEstate #multifamilyrealestate #realestatedevelopment

What does it really take to scale from duplexes to ground-up developments? In the fourteenth episode of the BLD Financial Podcast, we’re joined by Bryan Bouchard, a seasoned investor and developer who has built a career helping Canadians navigate CMHC programs, construction financing, and multifamily development. From comparing CMHC construction loans to conventional financing to managing investor expectations and building teams, Bryan reveals the strategies that can make or break your development projects.He shares why understanding capital structures, construction costs, and lender requirements isn’t just important, it’s critical for maximizing profit and reducing risk. From velocity of capital and takeout strategies to choosing the right markets and building-to-sell versus building-to-hold, Bryan brings practical, no-nonsense insight for real estate investors looking to grow beyond the first few units.In this episode, we explore: ✅ Why CMHC construction debt can make sense even with higher premiums ✅ How conventional financing compares, and when it might work better ✅ The importance of capital velocity, equity, and cash flow in development projects ✅ Investor communication: why transparency builds trust and fuels future growth ✅ Choosing the right markets for development: tertiary cities, emerging opportunities, and risk mitigation ✅ Building-to-sell vs. building-to-hold strategies for scaling portfolios ✅ How design, construction, and financing all intersect—and why small mistakes can cost hundreds of thousands ✅ Lessons from scaling from house-hacks and duplexes to multi-million-dollar developments ✅ Why having a skilled team and hiring for gaps in your expertise is the ultimate growth advantageWhether you’re a new investor looking to buy your first rental or a seasoned operator ready to scale to ground-up development, this conversation is a masterclass in navigating financing, scaling smartly, and building profitable, sustainable real estate projects.Who is Bryan Bouchard?Bryan Bouchard is an entrepreneur, an avid real estate investor, and a High-Performance Coach located in Toronto, Canada. With limited guidance, Bryan’s career began as a construction worker before becoming a professional poker player, a Toronto firefighter, and ultimately working with the right mentors to become an entrepreneur, seasoned investor and educator. Bryan has helped hundreds of people across Canada and the United States to increase their income, transform their bodies, and most importantly, build unbreakable habits through deliberate self-development practices. Mr. Bouchard is the President of a holding company which owns private businesses including real estate acquisitions, property management, personal and professional education, and real estate development. Bryan’s core belief is to first master our own self by building our mind, building our body and building our wealth before pursuing our true purpose, which involves making an impact on the people and the world around us.Follow & Connect with Bryan Bouchard:Instagram - https://www.instagram.com/bryan.the.investor/ LinkedIn - https://www.linkedin.com/in/bryan-bouchard-pic/Website - https://www.bryanbouchard.com/Follow & Connect with Passive Investing Canada:Instagram - https://www.instagram.com/passiveinvestingcanada/Website - https://passiveinvestingcanada.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360  #CanadianRealEstate #multifamilyrealestate #realestatedevelopment

What does it really take to navigate rising insurance premiums?In the thirteenth episode of the BLD Financial Podcast, we’re joined by Samuel Castillo, an expert in multi-family and builder’s risk insurance who’s built a career helping investors protect their assets and their bottom line. From understanding loss ratios to navigating CMHC requirements, Samuel reveals the strategies and hard truths that can save—or cost—investors thousands.From builder’s risk rates and surety bonds to the impact of inflation and tariffs on premiums, Sam brings deep industry knowledge and a practical, no-nonsense approach to risk management. He shares why paperwork is one of the most overlooked profit levers in real estate—and why, if it’s not your strength, you should hire someone who can master it for you.In this episode, we explore:✅ Why insurance premiums are rising for investors in today’s market✅ How inflation, tariffs, and skilled labour shortages are impacting rates✅ Loss ratios explained—and why they matter for every project✅ Builder’s risk rates, surety bonds, and replacement cost vs. cash value✅ CMHC insurance requirements every multifamily investor should know✅ The biggest mistakes investors make with insurance (and how to avoid them)✅ How $10K in premium savings can transform your ROI✅ Why doing what you’re good at—and hiring for the rest—is the ultimate investor advantageWhether you’re a new investor buying your first project or a seasoned operator managing a portfolio, this conversation is a masterclass in protecting your investments, reducing risk, and making smarter, more profitable decisions.Who is Samuel Castillo?Samuel Castillo is a Financial Advisor and Mutual Fund Investment Specialist with Co-operators Insurance, dedicated to helping Canadians achieve their financial goals for over 9 years.At his office, Samuel and his team create customized plans designed around each family’s unique needs—whether that’s building long-term wealth, protecting assets, or planning for the future. His approach goes beyond simply recommending products; he coaches clients so they fully understand what they’re investing in, empowering them to make informed decisions with confidence.Passionate about doing things the right way, Samuel believes true wealth is built through clarity, consistency, and trust. His mission is simple: help families build wealth with confidence, and build wealth the right way.Follow & Connect with Samuel Castillo:(905) -978-9721Instagram - https://www.instagram.com/sammytillo/LinkedIn - https://www.linkedin.com/in/sam-castillo-9a093253/Website - https://local.cooperators.ca/samuel-castillo-associates-enFollow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360  #CanadianRealEstate #multifamilyrealestate #realestatedevelopment

What does it really take to go from maxxing out your credit cards for a downpayment on a 2-bedroom house to doing a $1M renovation on a 32-unit apartment building?In the twelfth episode of the BLD Financial Podcast, we’re joined by multifamily real estate investor & developer Carlos Afanador. With a track record of scaling from student rentals to midsize multifamily properties without partners, Carlos has built a multimillion dollar real estate portfolio. From executing a $1M renovation on a 32-unit building to navigating MLI Select financing and commercial lending strategies, Carlos brings hands-on experience, creative deal-making, and a deep understanding of value-add investing in today’s complex market.Carlos shares how he bought his first student rental, added value through densification, left his corporate tech job, and became financially free at 26. From BRRRRs to commercial financing and midsize multifamily plays, he’s done it all and learned what it really means to be an operator.  In this episode, we explore:✅ How Carlos scaled from student rentals to midsize multifamily with no partners✅ Why densification is the next frontier for value-add investors✅ Lessons from a $1M renovation on a 32 unit building ✅ The real risks of overleveraging and why reserves matter more than ever✅ How commercial financing opens doors residential loans can’t✅ Why Canadian real estate still holds massive potential for those willing to adapt, innovate, and get a little uncomfortableWhether you’re just getting started or scaling into midsize assets, this episode is packed with no fluff advice, and a masterclass in creative investing.Who is Carlos Afanador?Carlos Afanador is a self-made real estate investor and developer who scaled from student rentals to midsize multifamily acquisitions without relying on partners or outside capital. After leaving a career in tech sales, Carlos went all in on real estate just before the pandemic and reached financial freedom at the age of 26.Carlos is part of a new wave of Canadian investors reshaping the multifamily space through densification, creativity, and grit.Follow & Connect with Carlos Afanador:Instagram - https://www.instagram.com/carlos.afanadoors/LinkedIn - https://www.linkedin.com/in/carlos-afanador/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360  #CanadianRealEstate #multifamilyrealestate #realestatedevelopment

What’s the real reason most real estate development projects fail?In the eleventh episode of the BLD Financial Podcast, we sit down with Ryan Valente, a hands-on real estate developer with over 15 years of construction experience and a growing portfolio of mid-sized multi-family projects across Toronto. From custom home building to CMHC-financed 4-plexes, laneway suites, and now an 18-unit build in High Park—Ryan has lived every phase of the development cycle.In this episode, we dive into:✅ Ryan’s journey from high-end custom home builder to full-scale multi-family developer✅ The reality of construction risk, cost overruns, and why execution is everything✅ How Ryan navigated CMHC’s MLI Select program (and the setbacks they never tell you about)✅ Raising capital, working with high-net-worth partners, and structuring long-term portfolios✅ The painful disconnect between bureaucrats and builders—and what needs to change✅ Tips for new developers: why your builder might be your biggest risk✅ Parking-light design, transit-oriented sites, and lessons from building in Toronto’s west end✅ How to scale responsibly, partner wisely, and survive policy shifts, interest rate swings, and financing delaysIf you're a builder, investor, or aspiring developer navigating the missing middle, this episode is a must-listen. Ryan doesn’t just talk about development—he’s in the trenches, building smarter, leaner, and for the long haul.Follow & Connect with Ryan at Reside Properties:Instagram - https://www.instagram.com/reside_propertiesTikTok - https://www.tiktok.com/@reside_properties Website - https://www.resideproperties.ca/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360  #CanadianRealEstate #multifamilyrealestate #realestatedevelopment

Is the war on real estate developers finally coming to an end?In the tenth episode of the BLD Financial Podcast, we’re joined by Josh Kaufman, one of the most experienced minds in Canadian real estate development. With over three decades of leadership across firms like Starlight Investments, Dream, and Rogers, and a portfolio that spans residential, commercial, and industrial sectors across multiple provinces, Josh brings unmatched perspective to the table.In this episode, we explore:- Josh’s early roots in homebuilding and how growing up on job sites shaped his career- Lessons from working with SmartCentres, Dream, and Starlight on projects across Canada- The founding of InnoDev and why now is the most opportunistic time for mid-market developers- How shifting municipal attitudes and policy changes are creating a "golden age" for housing development- Insights on development financing, CMHC programs, and why collaboration—not conflict—is the future of city building- The rise of missing middle housing, parking-light developments, and how smart, mid-rise projects are transforming urban communities- Why developers must become educators and partners with municipalities to solve Canada's housing crisis- The importance of innovation, deal flow, and long-term thinking in today’s marketWhether you're a developer, investor, or simply interested in how real estate is evolving, this episode is packed with practical wisdom and forward-thinking ideas about building better cities—and better outcomes for all.Who is Josh Kaufman?Josh Kaufman brings over 30 years of dedicated experience in the real estate and land development industries across Canada and the United States. Throughout his real estate career, he has held senior roles in project management, development and construction at Canada’s leading industry recognized companies, including Rogers Communications, SmartCentres, Dream, Fusion Homes, and Starlight Investments.Josh’s expertise spans multiple sectors, including single, and multi-family residential condominiums and purpose-built rentals, retail and commercial, industrial, and infrastructure. He has developed properties in several municipalities throughout British Columbia, Alberta, Saskatchewan, and Ontario, bringing a deep understanding of diverse regional markets.Josh holds a Master’s in City and Regional Planning from The Ohio State University and a Bachelor of Art’s in Geography from the University of Western Ontario. Currently, he serves on the Advisory Board for Moskowitz Capital Management and is the Past President and current Board Member of the Guelph and District Home Builders’ Association. He also actively volunteers with Habitat for Humanity and Covenant House.Follow & Connect with Josh Kaufman:LinkedIn - https://www.linkedin.com/in/josh-kaufman-96326816E-mail - [email protected] Phone - 416-917-3121Follow & Connect with InnoDev Partners:Website - https://www.innodev.ca/LinkedIn - https://www.linkedin.com/company/innodevpartners/Instagram - https://www.instagram.com/innodev.partnersFollow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/@bldfinancialDLC National License: 12360  #CanadianRealEstate #multifamilyrealestate #realestatedevelopment

Ever wonder what factors real estate appraisers utilize when calculating the value of a multifamily property? In the ninth episode of the BLD Financial Podcast, we sit down with Graham Morrison, Principal, Senior Director, Valuation & Advisory Services at Avison Young, to talk about the key factors driving multifamily real estate valuations in the GTA.Graham shares how appraisers calculate cap rates, including the critical role of location, unit count, and historical market data. Graham shares insights into the latest trends in commercial real estate, CMHC appraisal process, and the impact of shifting vacancy rates on investment strategies.Who is Graham Morrison?Graham Morrison is the Principal and Senior Director of Valuation & Advisory Services at Avison Young. Beginning his career in 2013 as a residential appraiser, he spent three years in the field before his small appraisal firm was acquired by Avison Young in 2016. Since then, he has specialized in commercial valuations. Connect with Graham Morrison:LinkedIn - https://www.linkedin.com/in/morrisongraham/Website - https://www.avisonyoung.ca/professionals/-/ayp/view/graham-morrison/in/toronto-northAvison Young LinkedIn - https://www.linkedin.com/company/avison-young-commercial-real-estate/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqg DLC National License: 12360#CanadianRealEstate #MultifamilyRealEstate #PropertyValue

Why would you ever go to a 'C Type Lender' for borrowing money on your investment property?In the eighth episode of the BLD Financial Podcast, we sit down with Kyle Ford to explore the world of private money lending. Kyle explains why private lenders are a great option for real estate investors, especially when purchasing multifamily properties. We dive in to how private money lending can be a valuable tool for real estate success, offering investors the opportunity to access capital when conventional financing options are limited or unavailable within the necessary timeframe.Who is Kyle Ford?Kyle is an independent mortgage agent, he finished his first year in the top 20% at Mortgage Alliance and his second year in the top 10%. He takes a real estate investing approach to his mortgage business. Kyle has over a decade of experience in Financial services; 6 previously as a financial advisor and currently 5 years as a full service, licensed mortgage agent with Mortgage Alliance – Canada’s Mortgage Choice Ltd. Born and raised in Kitchener-Waterloo, Kyle Ford was introduced to the financial services industry in his early twenties, where he became an independent financial advisor. While working with clients with a more  “traditional” financial planning approach he started to look for alternative investment strategies that would help himself and others reach retirement goals at a much younger age. At the age of 23 he bought his first pre-construction condo, a year later a single family rental, and the following year another single family rental. Fast forward to 2018 he sold his book of business as a financial advisor to focus on his real estate investing business. Follow & Connect with Kyle Ford:Instagram - https://www.instagram.com/therealkylefordFacebook - https://www.facebook.com/people/Kyle-Ford-Invest/61556960051291/Tik Tok - https://www.tiktok.com/@kyleford576Website: https://capgapmft.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqg DLC National License: 12360#CanadianRealEstate #PrivateLending #MultifamilyRealEstate

“We never learned to deal with these issues, because they never existed in our life. Our generation grew up without ever thinking about inflation.”In this episode of the BLD Financial Podcast, we sit down with Daniel Foch, Chief Real Estate Officer at Valery.ca and host of the Canadian Real Estate Investor Podcast to discuss the macroeconomic forces shaping the Canadian real estate market, the challenges facing pre-construction condo buyers, and why investors need to understand the bigger economic picture to succeed. Dan talks Canada’s equity-based real estate model,  how Trump's tariffs could impact the Canadian economy and the future of high-rise development.Who is Daniel Foch?Daniel Foch is the Chief Real Estate Officer at Valery.ca, and Host of Canada’s #1 real estate podcast. As co-founder of The Habistat, the onboard data science platform for TRREB & Proptx, he helped the real estate industry to become more transparent, using real-time housing market data to inform decision making for key stakeholders. With over 15 years of experience in the real estate industry, Daniel has advised a broad spectrum of real estate market participants, from 3 levels of government to some of Canada’s largest developers.Daniel is a trusted voice in the Canadian real estate market, regularly contributing to media outlets such as The Wall Street Journal, CBC, Bloomberg, and The Globe and Mail. His expertise and balanced insights have earned him a dedicated audience of over 100,000 real estate investors across multiple social media platforms, where he shares primary research and market analysis.Follow & Connect with Daniel Foch:LinkedIn - https://ca.linkedin.com/in/danielfochInstagram - https://www.instagram.com/danielfoch/YouTube - https://www.youtube.com/@UCeULGvCIbLn4eMpg-uGYkzQ Canadian Real Estate Investor Podcast - https://www.youtube.com/@UCjqZR7tSMaCc6ScXjD4bJEQ Website - https://fochfamily.com/daniel-fochValery.ca - https://valery.ca/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqg  DLC National License: 12360#CanadianRealEstate #canadianeconomy #condomarket

'We are seeing huge interest in people building up as-of-right multiplexes & small apartment buildings  in Toronto & the GTA".In this episode of the BLD Financial Podcast we sit down with Ben Singer, condo development real estate investor focused lawyer from SR Law to discuss the 'beauty' of Multiplex Condo Unit legal structuring and the benefits it can have for investors, buyers & the Canadian housing market.Who is Ben Singer?Ben Singer maintains a general commercial real estate practice, including acquisitions, dispositions, financing as well as an emphasis on condominium and sub-division development.Ben attended law school at the University of Western Ontario, obtaining his JD in 2015 and was called to the bar of Ontario in 2016. Prior to law school, Ben graduated from the University of Western Ontario, earning a Hons. B.A. in Political Science and Philosophy in 2010.Ben is a member of the Legal Task Force of the Centre for Israel and Jewish Affairs and on sits on the board of directors of the St. Paul’s Conservative Party of Canada Electoral District Association. He also delivers an annual ethics lecture at the Canadian Jewish Political Affairs Committee’s Fellowship Conference.Follow & Connect with Ben Singer:LinkedIn - https://www.linkedin.com/in/ben-singer-4526411aInstagram - https://www.instagram.com/bensinger333/Website - https://srlawpractice.com/Phone - 416-363-2211 Ext. 243Email - [email protected] & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqgDLC National License: 12360#CanadianRealEstate #CondoDevelopment #MultiplexCondoUnit #multifamilyrealestate #BenSinger

After years of investing in the Ontario real estate market, why has Mark Loeffler pivoted to Alberta?In the fifth episode of the BLD Financial Podcast we sit down Mark Loeffler, realtor, investor & podcast host to chat about EVERYTHING going on with real estate in Canada and why he's pivoted from investing in Ontario to Alberta.If you've been considering of expanding your real estate portfolio outside of Ontario this is an episode you do not want to miss!Follow & Connect with Mark Loeffler:YouTube - https://www.youtube.com/@themarkloefflerexperienceInstagram - https://www.instagram.com/mark.loeffler13/Facebook - https://www.facebook.com/profile.php?id=100086443033308LinkedIn- https://www.linkedin.com/in/markloeffler/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqgDLC National License: 12360#MarkLoeffler #podcast #realestatepodcast  #commercialrealestate #multifamilyrealestate

What has Andrew Hines been up to since stopping his podcast?In the fourth episode of the BLD Financial Podcast we sit down with the man, the myth, the legend, Andrew Hines to chat about EVERYTHING going on with real estate and what he's been up to for the last few months since stopping his podcast.We cover everything from some of his personal horror stories while investing in the US market to what he's seeing in the commercial real estate market and even addressing some of the core fundamental issues with the Canadian real estate market, government policies and potential changes we could implement to better the lives of Canadians across the country.Get ready for a jam-packed episode full of value!Follow & Connect with Andrew Hines:Andrew Hines Podcast - https://www.youtube.com/@theandrewhines REI Hot Seat with Andrew Hines - https://www.youtube.com/@reihotseatInstagram - https://www.instagram.com/theandrewhines/Facebook - https://www.facebook.com/theandrewhinesWebsite - https://www.andrew-hines.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqgDLC National License: 12360#AndrewHines #podcast #realestatepodcast  #commercialrealestate #multifamilyrealestate 

Are you a real estate investor looking to learn more about how to improve the energy efficiency of your properties? Want to learn how investors are taking advantage of the new 4 plus 1 developments in the GTA?In the third episode of the BLD Financial Podcast, we sit-down with Jayden Haywood, a real estate investor, developer with River Developments and an engineer with Pacific Light & Energy where he is helping investors save thousands through low-cost energy efficiency upgrades utilizing federal and provincial incentives.After an in-depth discussion on the MLI select program & energy saving strategies, Jayden shares his extensive development background and how he literally 'wrote the book' on 4 plus 1 developments in the Greater Toronto Area.For anyone who is currently or plans on investing in multifamily real estate in Canada this is a podcast you do not want to miss! Follow & Connect with Jayden Haywood:Instagram - https://www.instagram.com/jaydendaniel__/LinkedIn - https://www.linkedin.com/in/jayden-haywood-80b96762Facebook - https://www.facebook.com/jayden.haywoodPacific Light & Energy - https://www.pacific-le.com/River Developments - https://www.riverdevelopments.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqgListen to the BLD Financial Podcast on your favorite Podcast Streaming Service:Apple - https://podcasts.apple.com/us/podcast/bld-financial-podcast/id1772336379Spotify - https://open.spotify.com/show/3M2qJk6wilTVHpz3GCSqlEAmazon - https://music.amazon.com/podcasts/19192399-ab72-4f76-bf66-0792d551960e/bld-financial-podcastDLC National License: 12360  #realestateinvesting #podcast #realestatepodcast #commercialrealestate #multifamilyrealestate

After many years of creating educational based content for YouTube & social media, we are excited to announce the launch of our first podcast: the BLD Financial Podcast!🎙This podcast is a chance for us to share the indepth insights & conversations we have with experts from various industries affecting real estate, financing, capital raising, development and more! 🏗💰🏘🏢In this second episode we sit-down with Kunj Patel, Assistant Vice President at First Source Capital, a boutique mortgage lender based in the Toronto Area, that we often reach out to when helping our clients acquire construction financing within the 'missing middle' class of the much needed Canadian housing market.Construction has been a massive part of the transition for mid-size investors and there's a lot of questions around the capital, how the debt works right now, what people can expect when they are looking to apply for this type of financing and much more, so we wanted to bring on Kunj to help answer these questions while having an open discussion about the current state of the Canadian real estate market from the side of a lender.Follow & Connect with First Source Capital:Instagram - https://www.instagram.com/firstsourcemortgagecorporation/Facebook - https://www.facebook.com/people/First-Source-Mortgage-Corporation/100076253046584/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  https://www.youtube.com/channel/UCHyUMXqdg7zMJgjmFJpUfqgListen to the BLD Financial Podcast on your favorite Podcast Streaming Service:Apple - https://podcasts.apple.com/us/podcast/bld-financial-podcast/id1772336379Spotify - https://open.spotify.com/show/3M2qJk6wilTVHpz3GCSqlEAmazon - https://music.amazon.com/podcasts/19192399-ab72-4f76-bf66-0792d551960e/bld-financial-podcastDLC National License: 12360  #realestateinvesting #podcast #realestatepodcast #commercialrealestate #multifamilyrealestate

After many years of creating educational based content for YouTube & social media, we are excited to announce the launch of our first podcast: the BLD Financial Podcast!🎙This podcast is a chance for us to share the indepth insights & conversations we have with experts from various industries affecting real estate, financing, capital raising, development and more! 🏗💰🏘🏢In this premiere episode Josh Findlay & Ehren Laycock of BLD Financial sitdown with Jack Bernstein of Bernstone Capital to talk about capital and debt in the Canadian economy and real estate market and how this is affecting the current and future purchasing power of investors in Canada.We would like to give a big shoutout and thank you to Andrew Hines for allowing us to utilize his studio to shoot this episode! Follow & Connect with Jack Bernstein:Instagram - https://www.instagram.com/bernstonecapital/Facebook - https://www.facebook.com/jackdanielbYouTube - https://www.youtube.com/@BernstoneCapitalWebsite - https://www.bernstonecapital.com/Follow & Connect with Josh & Ehren:Instagram - https://www.instagram.com/bldfinancialFacebook - https://www.facebook.com/BLDfinancialYouTube -  @bldfinancial  Listen to the BLD Financial Podcast on your favorite Podcast Streaming Service:Apple - https://podcasts.apple.com/us/podcast/bld-financial-podcast/id1772336379Spotify - https://open.spotify.com/show/3M2qJk6wilTVHpz3GCSqlEAmazon - https://music.amazon.com/podcasts/19192399-ab72-4f76-bf66-0792d551960e/bld-financial-podcastDLC National License: 12360  #realestateinvesting #podcast #realestatepodcast #commercialrealestate #multifamilyrealestate