19/05/2025
💰 Want to know exactly how much income you need to buy a $1,000,000 home in 2025?
In this video, I break it all down — numbers, formulas, monthly payments, and what banks are really looking for.
📉 B...
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💰 Want to know exactly how much income you need to buy a $1,000,000 home in 2025? In this video, I break it all down — numbers, formulas, monthly payments, and what banks are really looking for. 📉 Based on a 20% down payment, 6.19% rate (incl. stress test): 🏡 Principal + Interest = $4,854 🧾 Property Taxes = $650 🛡 Insurance = $175 💸 Total = $5,679/month Bank Formula: $5,679 ÷ 0.40 = $14,198/month → $170,370/year Of course, this varies slightly if you’ve got other debts, but this is the ballpark lenders use. I’m a real estate agent in Montreal giving you numbers you can actually use. 📲 Follow for more real estate breakdowns, buying power tips, and smart mortgage strategies.
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18/05/2025
This week on Under One Roof MTL, we're looking at the state of Montreal rental market, as well as what fixed rate mortgages are looking like right now. We also tackle why the rate isn't the most impor...
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This week on Under One Roof MTL, we're looking at the state of Montreal rental market, as well as what fixed rate mortgages are looking like right now. We also tackle why the rate isn't the most important part of your mortgage, AND home renovations you can make that actually add value to your property.
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17/05/2025
💔 Breakups are hard… but losing your low mortgage rate? That’s worse.
If two people buy a home together — then split — can one keep the property and the low interest rate?
✅ YES… but only if both pa...
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💔 Breakups are hard… but losing your low mortgage rate? That’s worse. If two people buy a home together — then split — can one keep the property and the low interest rate? ✅ YES… but only if both parties agree From my experience as a real estate agent, here’s what you need to know: • It must be an amicable separation • The person keeping the home must qualify solo • If the other party refuses? Everyone could lose the rate I’ve seen people lose a 1.8% mortgage over disagreements. Don’t let that happen. I’m a Montreal real estate agent sharing real-world situations to help you make smart moves. 💬 Have questions about joint ownership or refinancing after a breakup? Let’s talk.
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16/05/2025
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
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Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ Buying a property in Montreal? 🏡 Then you need to understand the difference between divided and undivided co-ownership — it’s not just legal jargon. It affects financing, responsibilities, resale, and your day-to-day experience as a property owner. In this video, I break it all down: 🔹 What co-ownership means in Quebec 🔹 Divided co-ownership (condominiums): pros, cons, financing, and legal structure 🔹 Undivided co-ownership: what you need to know before signing anything 🔹 Key differences, cost considerations, and how to choose what’s right for YOU 📍 Based in Montreal? I help buyers navigate complex decisions like these with clarity and confidence.
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13/05/2025
Wondering what to invest in right now—condo, house, or plex?
If you don’t plan on living in the property, plexes are usually the smartest move.
✔️ More rental income
✔️ Easier financing (especially i...
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Wondering what to invest in right now—condo, house, or plex? If you don’t plan on living in the property, plexes are usually the smartest move. ✔️ More rental income ✔️ Easier financing (especially if owner-occupied) ✔️ Strong demand = stable returns Condos work for hands-off investors, but those monthly fees reduce your cash flow. Single-family homes are better for long-term appreciation, but they’re tougher to cash flow in today’s market. 👉 If you’re purely investing, multi-units offer the best balance of income, risk, and growth. #LJRealties #LJAguinaga #RealEstateInvesting #PlexLife #MontrealInvestors #RentalIncome #PassiveWealth #CondoVsHouse #InvestmentTips #DuplexLiving #SmartInvesting #PropertyGoals #InvestorMindset #CashFlowProperties
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11/05/2025
This week on Under One Roof MTL, we're talking about interest rates, mortgage renewal sticker shock, investment properties, and more.
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This week on Under One Roof MTL, we're talking about interest rates, mortgage renewal sticker shock, investment properties, and more.
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10/05/2025
💸 Bank vs Private Lender – Which one’s right for you?
Banks offer lower interest rates but come with stricter requirements — great for long-term holds if you qualify.
Private lenders? Higher rates (7...
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💸 Bank vs Private Lender – Which one’s right for you? Banks offer lower interest rates but come with stricter requirements — great for long-term holds if you qualify. Private lenders? Higher rates (7–12%) and extra fees, but much easier and faster to work with — perfect for flips or time-sensitive deals. I've used both depending on the strategy. DM me if you need help deciding what's best for your situation. 🔑 #LJRealties #MontrealRealEstate #MortgageTips #PrivateLender #RealEstateInvesting #BankOrPrivate #HomeBuyingTips #RealEstateStrategy
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09/05/2025
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
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Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ 🔥 Hottest Montreal Real Estate Markets in 2025 | Verdun, Rosemont, Ville-Marie & More Where are buyers and investors looking right now in Montreal? In this video, we break down the top performing neighbourhoods based on both: What we’re seeing with our clients What the statistics say (via the market barometer) 🎯 Top Hotspots This Season: 🏡 Verdun – high demand, urban vibes, and riverside charm Ville-Marie (East side) – major investment activity underway 🌊 LaSalle – rising interest + great access to nature & city 🌸 Rosemont-La Petite-Patrie – growing families, smart development 🚉 Lachine & Dorval – attractive location + boosted by public transit expansion I will also explain how transportation infrastructure is reshaping demand. 🔗 Want help finding the right neighbourhood for you? Book a consultation: https://www.meetwithlj.com/
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08/05/2025
Welcome to 8155 Boul. Leduc #403. Discover this magnificent corner unit offering completely unobstructed views, located in only a few minutes away from Quartier Dix30. This spacious condo includes 2 l...
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Welcome to 8155 Boul. Leduc #403. Discover this magnificent corner unit offering completely unobstructed views, located in only a few minutes away from Quartier Dix30. This spacious condo includes 2 large bedrooms and 2 full bathrooms, ideally designed for your comfort and lifestyle. Enjoy a large private balcony, 2 garage spaces, 2 storage spaces, as well as a multitude of common areas. Book your visit today! LJ Realties | LJ Immobilier ====== ⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️ Thinking of Moving to Montreal? 🍁 📱Call or Text: 514 578 6397 📨 Email: [email protected] 📅 Free Real Estate Consultation: https://calendly.com/ljaguinaga ⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️ ====== . . . . . . #ljrealties #ljimmobilier #teamlj #equipelj #montrealrealestatebrokers #montrealrealestateagency #MontrealRealEstate #condoforsale #RealEstateTour #MontrealProperty #HomeSweetHome #PropertyListing #Montreal #MontrealRealestate #houseLiving #2Bedrooms #2bathrooms #MontrealHouse #propertytour #housetour #brossard
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07/05/2025
Are you in the process of purchasing a home or did you recently purchase a home in Quebec? Let me let you in on a little secret.
First-time buyers in certain cities (like Montreal) may get a partial ...
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Are you in the process of purchasing a home or did you recently purchase a home in Quebec? Let me let you in on a little secret. First-time buyers in certain cities (like Montreal) may get a partial or full refund on the land transfer tax, also known as Welcome Tax. Who qualifies: Buyers of a principal residence who meet city-specific conditions. For Example: In Montreal, first-time buyers with a child under 18 years of ago, or experienced buyers with a child under 13 years of age who purchase a property under $725,000 will qualify for a refund between $5,000 - $7,000! This is huge! Make sure you investigate what offers are available in the municipality that you’re shopping in! DM me for more information on the Montreal home purchase assistance program! City of Montreal welcome tax rebate - https://montreal.ca/en/programs/home-purchase-assistance-program . . . . #LJRealties #LJAguinaga #FirstTimeBuyer #HomeBuyingTips #TaxCreditsCanada #MontrealRealEstate #HomeBuyingQuebec #RealEstateMontreal #HomePurchaseHelp #HomeBuyerGrant #MontrealHomes #FirstHome #RealEstateTips #TaxCredits #MontrealProgram #BuyerTips #QuebecRealEstate
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05/05/2025
This week on Under One Roof MTL, we're recapping the results of Canada's federal election and the impact that might have on the Bank of Canada's interest rate announcements moving forward.
We also ...
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This week on Under One Roof MTL, we're recapping the results of Canada's federal election and the impact that might have on the Bank of Canada's interest rate announcements moving forward. We also break down the difference between TDS and GDS ratios, AND outline why investing in real estate is a solid retirement strategy.
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05/05/2025
🚨 The biggest lie in real estate?
“Don’t buy rental properties… you’ll get 3AM calls about broken toilets.”
Here’s the truth, from someone who owns multiple rentals:
☑️ I've had two late-night call...
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🚨 The biggest lie in real estate? “Don’t buy rental properties… you’ll get 3AM calls about broken toilets.” Here’s the truth, from someone who owns multiple rentals: ☑️ I've had two late-night calls in nearly 10 years — and I slept through both ☑️ You can add emergency contact clauses in your leases ☑️ Even better: hire a property manager (for around 7%) and be hands-off Now? I don’t take calls. I just see rent hit my account every month. Don’t let fear stop you from building wealth through real estate. I’m a real estate agent in Montreal helping people buy smarter, not just buy. 👉 Follow for more no-BS real estate strategies.
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03/05/2025
💥 Want to own multiple properties without saving 20% down every time?
Here’s a real estate loophole the banks never talk about:
✅ Buy your primary residence with just 5% down
✅ After living there, t...
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💥 Want to own multiple properties without saving 20% down every time? Here’s a real estate loophole the banks never talk about: ✅ Buy your primary residence with just 5% down ✅ After living there, turn it into a rental ✅ Buy another primary home again — with just 5% down I’ve had clients buy 2 or even 3 properties in just a few years using this strategy. 💡 Example: $400,000 home = $20K down, not $80K This is how the wealthy grow portfolios with less cash upfront. I’m a Montreal real estate agent helping buyers think like investors — even on their first deal. Follow for more real estate strategies most agents won’t tell you.
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02/05/2025
🍁 Thinking of buying in Montreal?
👉 https://www.ljrealties.com – Search homes now
📱 Call or Text: 514-578-6397
📨 [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/
🏡 Airbnb vs ...
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🍁 Thinking of buying in Montreal? 👉 https://www.ljrealties.com – Search homes now 📱 Call or Text: 514-578-6397 📨 [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ 🏡 Airbnb vs Traditional Rental: Which Strategy is Better for Real Estate Investors? | Montreal Insights Thinking about buying a property to rent out—or maybe even using it part-time as a vacation home? 🏖️🏠 In this video, I break down the truth about Airbnb vs Traditional Rentals based on experience managing multiple properties. We’ll cover: ✅ Pros & cons of Airbnb: Higher income, more work, seasonal risk ✅ Pros & cons of Traditional Rentals: Lower income, more stability, easier management ✅ Important factors to consider: • Location & tourist appeal • Municipal regulations • Financing & mortgage restrictions If you’re debating between a country home Airbnb or a steady rental property, this video will give you the key decision points you need to know before you invest.
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30/04/2025
🛑 Can we please stop saying “Book your visit fast, this one won’t last”?
That line doesn’t help buyers understand the value of the home — it just creates panic.
Instead, let’s focus on what actually...
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🛑 Can we please stop saying “Book your visit fast, this one won’t last”? That line doesn’t help buyers understand the value of the home — it just creates panic. Instead, let’s focus on what actually makes people fall in love: ✅ The features ✅ The lifestyle ✅ The benefits of the neighbourhood Whether you’re a real estate agent or lender, the words you use matter — especially in 2025. I’m a real estate agent in Montreal helping raise the bar for the industry. 💬 What do YOU think we should be saying instead? Drop it in the comments!
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29/04/2025
Montréal est une ville incroyable avec une culture, une histoire et des opportunités inégalées, mais soyons honnêtes, elle n'est pas parfaite pour autant. Dans cette vidéo, je me penche sur les 5 prin...
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Montréal est une ville incroyable avec une culture, une histoire et des opportunités inégalées, mais soyons honnêtes, elle n'est pas parfaite pour autant. Dans cette vidéo, je me penche sur les 5 principales frustrations liées à la vie à Montréal. Montréal comme chaque résident connaît : 1️⃣ Construction constante : Les projets sans fin qui nous ralentissent, mais qui sont aussi le signe de la croissance et du développement. 2️⃣ Trop de pistes cyclables : Une bonne chose pour l'environnement, mais une source de problèmes pour les automobilistes. 3️⃣ Cauchemars de la circulation : Naviguer dans les rues embouteillées de Montréal peut mettre à l'épreuve la patience de tout le monde, mais cela témoigne aussi de l'économie florissante de la ville. 4️⃣ Temps d'attente aux urgences : Lorsque vous avez besoin d'une aide urgente, les retards peuvent être frustrants, mais ils mettent en évidence la demande de services et d'infrastructures. 5️⃣ Concurrence immobilière : Des coûts de location élevés et des batailles féroces sur le marché - un défi pour les résidents, mais une mine d'or pour les investisseurs avisés. Bien que ces frustrations quotidiennes puissent nous mettre hors de nous, elles indiquent également que le marché est florissant et que la demande est forte. Pour les investisseurs immobiliers, cet environnement concurrentiel est synonyme d'un meilleur retour sur investissement et d'une incroyable appréciation à long terme, surtout par rapport à des marchés plus coûteux comme ceux de Toronto et de Vancouver. 👉 Regardez maintenant pour apprendre comment ces frustrations quotidiennes pourraient en fait être votre arme secrète dans le marché immobilier de Montréal !
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28/04/2025
This week on Under One Roof MTL, we're joined in studio by Plex DR COO Thierry Bourbonnais, to discuss everything you ever wanted to know about property management.
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This week on Under One Roof MTL, we're joined in studio by Plex DR COO Thierry Bourbonnais, to discuss everything you ever wanted to know about property management.
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26/04/2025
⚠️ Thinking of putting all your savings into your down payment?
That move might seem smart — but it can leave you “house rich, cash poor.”
💸 Let’s say you’ve saved $60K.
✅ You could use it all…
❌ Bu...
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⚠️ Thinking of putting all your savings into your down payment? That move might seem smart — but it can leave you “house rich, cash poor.” 💸 Let’s say you’ve saved $60K. ✅ You could use it all… ❌ But then what happens when your AC breaks or your roof leaks? Keeping emergency cash is essential — even if that means putting less down. In many cases, your mortgage rate stays competitive, and you avoid crushing debt later. I’m a real estate agent in Montreal helping buyers make decisions that actually protect their future. Follow for more advice that saves you money and stress.
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25/04/2025
Thinking of Moving to Montreal? 🍁
Find your dream home here 👉 https://www.ljrealties.com
📱 Call or Text: 514-578-6397
📨 Email: [email protected]
📅 Book a free consultation: https://www.meetwithlj.com/...
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Thinking of Moving to Montreal? 🍁 Find your dream home here 👉 https://www.ljrealties.com 📱 Call or Text: 514-578-6397 📨 Email: [email protected] 📅 Book a free consultation: https://www.meetwithlj.com/ 📈 How to Find Real Estate Investment Opportunities in Montreal | Cash Flow, Cap Rate & Market Insights Want to know how to identify real estate investment opportunities that actually perform in the Montreal market? In this video, I’ll show you what to look for when analyzing properties and where to actually find great deals, even in a competitive environment. We’ll cover: ✅ Cash Flow: How to ensure the property earns more than it costs ✅ Cap Rate & ROI: Target numbers to hit in Montreal (5%+ recommended) ✅ Market Trends: Population growth, infrastructure & rental demand indicators ✅ Where to Find Deals: MLS & Realtor networks Off-market properties Distressed & underpriced homes 📍 Whether you’re just starting your investor journey or expanding your portfolio, this guide is for you.
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23/04/2025
🎉 Did you know you could get thousands back after buying your first home in Quebec?
If you're a first-time buyer (or even an experienced one with kids!) in cities like Montreal, you might qualify for...
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🎉 Did you know you could get thousands back after buying your first home in Quebec? If you're a first-time buyer (or even an experienced one with kids!) in cities like Montreal, you might qualify for a partial or full refund on your welcome tax — that’s up to $7,000 back in your pocket. ✅ Buying a principal residence ✅ Child under 18 (or under 13 for experienced buyers) ✅ Property under $725,000 = You might qualify! 📍Each municipality has its own program, so don’t miss out on what you could be eligible for. 💬 DM me to learn more about the Montreal Home Purchase Assistance Program or the one in your area. . . . #LJRealties #LJAguinaga #WelcomeTaxRefund #MontrealRealEstate #FirstTimeBuyerTips #HomeBuyingQuebec #RealEstateMontreal #HomePurchaseHelp #HomeBuyerGrant #MontrealHomes #FirstHome #RealEstateTips #WelcomeTax #MontrealProgram #BuyerTips #QuebecRealEstate
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22/04/2025
540, Rue Lucien-L'Allier, Montréal (Ville-Marie)
No Centris: 15916969
Tucked away on one of Montreal's most prestigious crescents, this fully renovated 3-bedroom, 2-bathroom home is a rare gem in the...
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540, Rue Lucien-L'Allier, Montréal (Ville-Marie) No Centris: 15916969 Tucked away on one of Montreal's most prestigious crescents, this fully renovated 3-bedroom, 2-bathroom home is a rare gem in the heart of the city. Every inch of this residence has been thoughtfully redesigned to blend timeless charm with cutting-edge technology. With a private garage, chef's kitchen, custom millwork, Control4 smart home system, and a hot tub oasis in the backyard, 540 Rue Lucien L'Allier offers the ultimate in modern urban living. An exceptional opportunity for families and professionals alike to own a piece of architectural brilliance just steps from the Bell Centre and all that downtown Montreal has to offer. Nichée sur l'un des croissants les plus prestigieux de Montréal, cette maison entièrement rénovée de 3 chambres et 2 salles de bain est un véritable bijou au coeur de la ville. Chaque détail a été soigneusement repensé pour marier charme intemporel et technologie de pointe. Avec un garage privé, une cuisine digne d'un chef, un mobilier intégré sur mesure, un système domotique Control4 et un spa dans la cour arrière, le 540 rue Lucien L'Allier incarne l'élégance urbaine moderne. Une occasion exceptionnelle pour familles et professionnels de vivre dans un espace unique à quelques pas du Centre Bell et de toutes les commodités du centre-ville. LJ Realties | LJ Immobilier ====== ⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️ Thinking of Moving to Montreal? 🍁 📱Call or Text: 514 578 6397 📨 Email: [email protected] 📅 Free Real Estate Consultation: https://www.meetwithlj.com/ ⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️ ====== . . . . . . #ljrealties #ljimmobilier #teamlj #equipelj #montrealrealestatebrokers #montrealrealestateagency #MontrealRealEstate #houseforsale #RealEstateTour #MontrealProperty #HomeSweetHome #PropertyListing #Montreal #MontrealRealestate #houseLiving #3Bedrooms #MontrealHouse #propertytour #housetour #Villemarie #luxuryhomes
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21/04/2025
📢 Buying Your First Property? Here’s Your Cheat Sheet! 🏡📊
Feeling stuck in analysis paralysis trying to choose the right property? 🤯 Let’s break it down! 👇
🏢 Condos → Lower maintenance & more afford...
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📢 Buying Your First Property? Here’s Your Cheat Sheet! 🏡📊 Feeling stuck in analysis paralysis trying to choose the right property? 🤯 Let’s break it down! 👇 🏢 Condos → Lower maintenance & more affordable. Perfect for busy people or those with limited capital. 🏘️ Multiplexes → My favourite! Live in one unit & let rental income cover your costs. A foolproof way to start investing! 🏡 Single-Family Homes → Less competition from investors & great for families who want more space & long-term appreciation. What was YOUR first property? Drop it in the comments! ⬇️🏠✨ . . . #LJAguinaga #LJRealties #FirstHome #RealEstateInvesting #HomeBuyingTips #HouseHacking #InvestmentProperty #FinancialFreedom #MontrealRealEstate #LJRealties
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20/04/2025
This week on Under One Roof MTL, we're discussing the Bank of Canada's decision to hold interest rates this week. We also talk about the "Quebec Effect" in Canadian real estate, offer advice on what t...
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This week on Under One Roof MTL, we're discussing the Bank of Canada's decision to hold interest rates this week. We also talk about the "Quebec Effect" in Canadian real estate, offer advice on what to do if your mortgage is up for renewal, AND we dispel some common mortgage and real estate myths floating around on social media.
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19/04/2025
Thinking about buying your first property but not sure how to finance it? 🤔🏡 There are more options than you might think!
You can go with a conventional loan (20% down or more) or an insured mortgage ...
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Thinking about buying your first property but not sure how to finance it? 🤔🏡 There are more options than you might think! You can go with a conventional loan (20% down or more) or an insured mortgage (as low as 5% down). Your financing options also depend on your income and credit score—whether it's a big bank, a B lender, or even private financing for specific cases. 📌 PRO TIP: Get pre-approved before you start house hunting! It saves time, avoids disappointment, and helps you focus on the right properties. Got questions? Let’s talk! 💬
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