Investment Real Estate —
Burlington, Hamilton & Halton
Strategic investment guidance across the Burlington–GTA corridor
Smart Real Estate
Investment
We help investors compare properties across the GTA using purchase price, expected rent, carrying costs, property condition, location, and resale considerations. Our work covers single-family rentals, condominiums, and multi-unit opportunities.
Market Analysis
Deep data analysis of rental yields, appreciation trends, and neighbourhood fundamentals to find the best investments.
Multi-Family Properties
Duplexes, triplexes, and small apartment buildings with strong cash flow potential.
Pre-Construction
Pre-construction purchases reviewed before you sign: deposit schedule, builder incentives, assignment rules and closing costs.
BRRRR Strategy
Buy, Renovate, Rent, Refinance, Repeat — we guide investors through value-add opportunities.
Portfolio Review
Already investing? We'll review your portfolio and identify opportunities to optimise returns.
Selling Well
Timing and pricing a sale alongside your accountant’s advice on capital gains and what to buy next.
Get Investment Property
Breakdowns
By email, we send 2–3 real properties currently on the market with full proforma breakdowns — cash flow, down payment, ROI, and the numbers that matter.
Subscribe for FreeWhat we check on every rental property
A property can look good on the listing and still lose money. These are the questions we answer with you before an offer goes in.
Price against real rent
We compare the price with what similar units have actually leased for nearby, not with asking rents.
Rent control status
Units first occupied for residential purposes after November 15, 2018 are exempt from Ontario’s rent increase guideline. Most older units are capped at the guideline: 2.1% for 2026 and 1.9% for 2027. That changes your income for years. Ontario’s rent increase rules
Condition and big-ticket items
Roof, furnace, windows, wiring and plumbing. A repair due in the first few years belongs in the price you pay.
Second units
Whether a basement or in-law suite was built with permits affects insurance, financing and resale. We help you ask the right questions and check with the city.
Condo rules and fees
For condos: rental restrictions in the declaration, monthly fees, the reserve fund and any special assessments.
Your exit
Who will buy this property from you later, and how easy it will be to sell with a tenant in place.
What a rental really costs to hold
Cash flow is rent minus all of these, not just the mortgage. Run your own numbers with our mortgage calculator.
| Cost | What to know |
|---|---|
| Mortgage | Lenders usually require at least 20% down on a property you won’t live in, and they treat rental income differently when you qualify. |
| Property tax | Set by the city each year. Check the current amount on the listing or with the city. |
| Insurance | A landlord policy, which differs from a homeowner policy. Get a quote before you firm up. |
| Condo fees | For condos. Check what the fee covers and how it has changed over the last few years. |
| Maintenance and repairs | Set money aside every month for repairs and future replacements. |
| Vacancy | Allow for some empty time between tenants, plus the cost of finding the next one. |
| Utilities you pay | Whatever the lease doesn’t pass to the tenant. |
| Buying costs | One-time: land transfer tax, legal fees, a home inspection and any repairs before the first tenant. |
Owning more than one property in Ontario
A cottage, a rental or a growing portfolio: the rules for buying, holding and selling change once you own more than one home.
Principal residence
For any tax year after 1981, a family unit can designate only one property as its principal residence. Choosing which property to designate for which years can reduce capital gains when you sell. CRA guidance on principal residences
Land transfer tax
Ontario land transfer tax applies to every purchase, however many properties you own. Toronto adds its own municipal land transfer tax.
Financing
Down payments are higher for a second home or rental, and lenders assess rental income differently. A good mortgage broker makes a real difference here.
Selling one of several
Keep records of capital improvements, since they raise your adjusted cost base. Selling in a lower-income year can lower the tax rate on a gain. Talk to your accountant before you list, not after closing. Read our capital gains guide.
General information, not tax or legal advice. Your accountant and lawyer should confirm what applies to you.
Ontario rules new landlords should know
- Most residential tenancies signed on or after April 30, 2018 must use Ontario’s standard lease.
- Rent can usually go up once every 12 months, with at least 90 days’ written notice on the Landlord and Tenant Board’s form.
- Damage and pet deposits are not allowed. A rent deposit and a refundable key deposit are, within limits set by law.
- A “no pets” clause in a lease is void, although condo rules can still restrict pets.
Placing a tenant? See our landlord services, from rental pricing to a signed lease.
Build Your Real Estate
Portfolio Today
Book a free investor consultation and let us show you where the best opportunities exist in today's market.
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