18/09/2024
Use the ⅓ rule as your absolute maximum mortgage payment, but don’t forget to account for taxes and deductions. Here’s why your take-home pay matters more than you think!
#LJAguinaga #LJRealties #Mon...
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Use the ⅓ rule as your absolute maximum mortgage payment, but don’t forget to account for taxes and deductions. Here’s why your take-home pay matters more than you think! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateTruth #MortgageTips #HomeBuyingAdvice #RealEstateMath #FinancialPlanning #MortgageBudgeting #HomeAffordability #FirstTimeHomebuyer #RealEstateCanada #IncomeVsExpenses #MortgageQualification #SmartHomeBuying #PersonalFinance #MonthlyBudgeting #AffordingAHome #RealEstateMarket #PropertyPurchase #FinancialResponsibility #Budgeting101 #RealEstateTips #MortgageRules
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17/09/2024
Federal Government raises insured mortgage cap to $1.5M, expands 30-year amortizations.
Find out what this means for you, your investments, and the real estate market.
Have questions or need some ex...
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Federal Government raises insured mortgage cap to $1.5M, expands 30-year amortizations. Find out what this means for you, your investments, and the real estate market. Have questions or need some expert insights? Drop a comment below or reach out to me directly. I’m here to guide you through the financial updates and help you make informed decisions. Stay informed, stay ahead! 💼📈 #ljaguinaga #ljrealties #BankOfCanada #FinancialNews #ExpertInsights #RealEstateAdvisor #AskMeAnything #Inflation
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17/09/2024
7237, Rue St-Hubert, app. 105, Montréal (Villeray)
No Centris 14779999
Fantastic 2 bedroom condo for sale in Villeray! This spacious unit, split over 2 floors with parking, is perfectly located and i...
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7237, Rue St-Hubert, app. 105, Montréal (Villeray) No Centris 14779999 Fantastic 2 bedroom condo for sale in Villeray! This spacious unit, split over 2 floors with parking, is perfectly located and includes appliances! Enjoy views of the vibrant street from a private balcony and arrange the unit any way you would like, thanks to the open concept floor plan of the main living area. The building is located within proximity to metro stations, Jarry Park, the Jean Talon Market, and all the essentials! Fantastique condo de 2 chambres à coucher à vendre dans Villeray! Cette unité spacieuse, répartie sur 2 étages avec stationnement, est parfaitement située et comprend les appareils électroménagers! Profitez de la vue sur la rue animée depuis un balcon privé et organisez l'unité comme vous le souhaitez, grâce au plan d'étage à aire ouverte de l'espace de vie principal. L'immeuble est situé à proximité des stations de métro, du parc Jarry, du marché Jean Talon et de tous les services essentiels! 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 Connect with me on: Instagram - https://www.instagram.com/ljaguinaga/ Facebook - https://www.facebook.com/lj.aguinaga TikTok - https://www.tiktok.com/@ljaguinaga Linkedin - https://www.linkedin.com/in/ljaguinaga/ ⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️ ====== . . . . . . #ljrealties #ljimmobilier #teamlj #equipelj #montrealrealestatebrokers #montrealrealestateagency #MontrealRealEstate #villemarie #condolife #condoforsale #montrealcondo #RealEstateTour #MontrealProperty #HomeSweetHome #PropertyListing #Montreal #montrealrealestate #condoliving #condoview #montrealview #villeray #montrealvilleray #jeantalonmarket
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16/09/2024
🗝️ Bridge Loans 101
Navigating the gap between selling your current home and buying a new one? A bridge loan might be just what you need! This short-term loan uses your current home's equity to secur...
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🗝️ Bridge Loans 101 Navigating the gap between selling your current home and buying a new one? A bridge loan might be just what you need! This short-term loan uses your current home's equity to secure the down payment on your new property, ensuring a smooth transition. Typically lasting a few weeks to a few months, it’s paid off once your existing home is sold. A smart move for a seamless home buying experience! . . . #BridgeLoan #HomeBuying #RealEstateSolutions #SeamlessTransition #LJRealties #MortgageTips #PropertyInvestment #EquityLoan #HomeSelling #RealEstateStrategy #HousingMarket #FinancialPlanning #HomeTransition #NewHomeJourney #PropertyFinancing
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14/09/2024
Does staging your home actually impact its sale? At LJ Realties, we’re convinced it does! A thoughtfully staged home doesn’t just capture more attention—it often sells faster and at a higher price. Wa...
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Does staging your home actually impact its sale? At LJ Realties, we’re convinced it does! A thoughtfully staged home doesn’t just capture more attention—it often sells faster and at a higher price. Want to know how it works, what it costs, and why it’s worth it? Let’s dive in! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateTruth #HomeStaging #LJRealties #RealEstateTips #SellSmart #MontrealRealEstate #HomeSelling #PropertyStaging #StagedToSell
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13/09/2024
To buy or to build new, that is a question that is constantly being asked. There are pros and cons to both, and it’s really important to consider what fits your financial and lifestyle situations befo...
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To buy or to build new, that is a question that is constantly being asked. There are pros and cons to both, and it’s really important to consider what fits your financial and lifestyle situations before jumping in. In this video I’ll explain all that goes into both, and which one might be a better option for you and why. If you have any questions or are ready to get started book a call with me today!
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11/09/2024
Home equity has just hit an all-time record high! 📈 Wondering what this means for you?
With low inventory keeping home prices high, many homeowners are sitting on significant equity. I want to expla...
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Home equity has just hit an all-time record high! 📈 Wondering what this means for you? With low inventory keeping home prices high, many homeowners are sitting on significant equity. I want to explain how you can leverage this equity using a Home Equity Line of Credit (HELOC). A HELOC is a separate loan from your first mortgage and doesn’t affect it. Use it to pay off debt, improve your home, or as a downpayment on another property. Don’t miss out on this opportunity to maximize your home’s value! #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #HomeEquity #HELOC #RealEstateTips #PropertyInvestment #HomeImprovement #MortgageAdvice #FinancialFreedom #HomeValue #EquityLoan #RealEstateAdvice #InvestInProperty #DebtManagement #PropertyUpgrade #HomeFinance #EquityUse #HomeOwnership #SmartInvesting #RealEstateMarket #CashOutRefinance #HomeEquityLine #InvestmentOpportunities #FinancialPlanning #PropertyWealth #HomeRenovation
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10/09/2024
C'est le moment idéal pour acheter une première propriété au Canada, car il existe de nombreux différents comptes et différentes stratégies pour faire de vos rêves une réalité ! Dans cette vidéo, je v...
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C'est le moment idéal pour acheter une première propriété au Canada, car il existe de nombreux différents comptes et différentes stratégies pour faire de vos rêves une réalité ! Dans cette vidéo, je vous expliquerai les avantages et les inconvénients de chacun de ces comptes et je vous donnerai quelques exemples pour vous aider à comprendre. À la fin de la vidéo, j'espère que vous serez en mesure de choisir le compte qui correspond le mieux à vos objectifs personnels. Comme toujours, si vous avez besoin d'informations supplémentaires ou d'aide, prenez rendez-vous avec moi dès aujourd'hui !
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09/09/2024
It might be controversial, but most people aren’t great at their jobs—especially in real estate. Here’s why doing your research on realtors can save you time and money. 🔍
#LJAguinaga #LJRealties #Mon...
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It might be controversial, but most people aren’t great at their jobs—especially in real estate. Here’s why doing your research on realtors can save you time and money. 🔍 #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateTruth #FindTheBestRealtor #ClientCareMatters #RealtorTips #RealEstateAdvice #HomeBuyingTips #RealEstateExperience #ChooseWisely #RealtorRecommendations #HonestEvaluation #ClientFirst #RealEstateExperts #ProfessionalismInRealEstate #TrustworthyRealtor #RealEstateService #RealEstateIndustry #FindingTheRightAgent #QualityOverQuantity #RealEstateCanada #SmartHomeBuying
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07/09/2024
🏡 Are you thinking about buying your first home? The typical first-time buyer today has a household income of around $97,000 and a down payment of $20,000. But what does that really mean for you?
If...
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🏡 Are you thinking about buying your first home? The typical first-time buyer today has a household income of around $97,000 and a down payment of $20,000. But what does that really mean for you? If you're bringing in about $8K per month and have some savings, it might be time to start seriously considering homeownership. Even if you're unsure, it’s always worth running the numbers to see where you stand. Let’s explore your options together, reach out for more info. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #FirstTimeBuyer #HomeBuyingJourney #RealEstateTips #FinancialPlanning #HomeOwnership #RealEstateAdvice #MortgageTips #BudgetingForAHome #HouseHunting #PropertyInvestment #BuyYourFirstHome #HomeAffordability #IncomeAndSavings #RealEstateMarket #BuyingAHome #FirstHomePurchase #FinancialGoals #RealEstateJourney #HouseholdIncome #DownPayment
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06/09/2024
What does it mean to lock in a mortgage rate? A worry for some prior to entering the market is securing a stable and affordable mortgage rate. The Canadian housing market is in flux so understanding h...
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What does it mean to lock in a mortgage rate? A worry for some prior to entering the market is securing a stable and affordable mortgage rate. The Canadian housing market is in flux so understanding how to lock in a rate is more important than ever. In this video, I'll explain from the beginning what to look for when exploring your options for a mortgage. What are your thoughts and experiences looking for mortgages in the current market? Let me know in the comments below!
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04/09/2024
Leverage is your best friend when it comes to growing wealth.
💰 Want to know how to use leverage to grow your wealth with a small amount of money? Let's break it down!
What if you used $20K as a do...
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Leverage is your best friend when it comes to growing wealth. 💰 Want to know how to use leverage to grow your wealth with a small amount of money? Let's break it down! What if you used $20K as a downpayment on a $400,000 home? With real estate's average appreciation rate of 3% per year in Canada, that investment could grow to $506,000 in 8 years—a $106K gain! Leverage is the key to building wealth through real estate, and it’s one of the best ways to turn a small investment into something big. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #RealEstateWealth #LeverageYourMoney #InvestmentTips #WealthBuilding #RealEstateInvestment #FinancialGrowth #PropertyInvestment #BuildingWealth #RealEstateAppreciation #SmartInvesting #InvestInProperty #RealEstateStrategy #HomeBuyingTips #InvestmentStrategy #WealthThroughRealEstate #RealEstateCanada #PropertyWealth #GrowYourWealth #Leverage #LongTermInvestment
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02/09/2024
Not renewing your lease? Here's what you need to know: when to notify your landlord, your obligations, and how to prepare for visits. Stay informed and make the process smoother!
#LJAguinaga #LJRealt...
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Not renewing your lease? Here's what you need to know: when to notify your landlord, your obligations, and how to prepare for visits. Stay informed and make the process smoother! #LJAguinaga #LJRealties #MontrealRealEstate #TenantRights #LeaseRenewal #RealEstateTips #MontrealLiving #KnowYourRights #Landlord #ApartmentLife #TenantAdvice #MovingOut #RealEstateTips
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31/08/2024
🏠 Are you saving up for a big down payment to avoid mortgage insurance and lower your monthly payments? While that sounds like a solid plan, it might actually cost you more in the long run. As you sav...
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🏠 Are you saving up for a big down payment to avoid mortgage insurance and lower your monthly payments? While that sounds like a solid plan, it might actually cost you more in the long run. As you save, home prices could rise, and you might end up paying more or even giving up on buying a home altogether. Here’s the truth: most young homebuyers aren’t putting 20% down anymore. You can buy a home with just 5% down, and mortgage insurance isn’t as big of a deal as you might think. If you want to know what your payments would look like with a 5% downpayment, drop a comment with the estimated property price, and I'll send you the numbers! #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #FirstTimeHomebuyer #MortgageAdvice #Downpayment #RealEstate #Homebuyers #MortgageInsurance #BuyingAHome #PropertyInvestment #RealEstateAdvice #HomeFinancing #MortgageTips #HousingMarket #SaveForAHome #RealEstateInvesting #FirstHome #HomeOwnership #MillennialHomebuyer #RealEstateInvestment #HomeBuyingJourney #MortgagePlanning #FinancialPlanning #HomeAffordability #MortgageHelp
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30/08/2024
Refinancing in Depth
What does it mean to refinance your mortgage? Should you refinance or should you simply renew? I have the explanations and answers that you’re looking for. Today I’ll help you un...
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Refinancing in Depth What does it mean to refinance your mortgage? Should you refinance or should you simply renew? I have the explanations and answers that you’re looking for. Today I’ll help you understand what refinancing is, the potential financial benefits, other impacts it may have, and how to determine if it is the right move for you. If you have any questions, please share them ikn the comments below!
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28/08/2024
🚨 This is your one and only warning about why you should never co-sign for someone else’s debt. It might seem like a good idea to help someone out, but you’re legally responsible for that debt until i...
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🚨 This is your one and only warning about why you should never co-sign for someone else’s debt. It might seem like a good idea to help someone out, but you’re legally responsible for that debt until it’s fully paid off. If things go south, your credit and assets are at risk. And unless you can clearly document that the other person has been making payments on time for at least 12 months, that debt could count against you when you try to qualify for your own loans. #LJAguinaga #LJRealties #MontrealRealEstate #FinancialAdvice #DebtManagement #CoSigningRisks #CreditScore #LoanResponsibility #FinancialWarning #DebtAwareness #CreditRisk #ProtectYourCredit #FinancialHealth #MoneyMatters #CreditTips #LoanGuidance #FinancialMistakes #DebtResponsibility
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27/08/2024
Cherchez-vous différents moyens de vous préparer à la retraite ? Avez-vous entendu parler des hypothèques inversées ? Peut-être en avez-vous entendu parler, mais vous ne le comprenez pas ou vous vous ...
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Cherchez-vous différents moyens de vous préparer à la retraite ? Avez-vous entendu parler des hypothèques inversées ? Peut-être en avez-vous entendu parler, mais vous ne le comprenez pas ou vous vous demandez si c'est trop risqué. Je suis ici pour démystifier le concept et répondre à vos questions ! Si c'est une stratégie que vous ou un être cher souhaitez explorer, contactez-moi dès aujourd'hui et je vous guiderai vers le bon professionnel pour vous aider à commencer.
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26/08/2024
Did you know you can buy a new home without selling your current one? This strategy is becoming more popular, and it's time you knew about it too!
Here's how it works: By using a Home Equity Line of...
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Did you know you can buy a new home without selling your current one? This strategy is becoming more popular, and it's time you knew about it too! Here's how it works: By using a Home Equity Line of Credit (HELOC), you can pull out funds from your current home to pay off debt and use as a downpayment on your next property. You can rent out your existing home to cover payments, potentially keeping your monthly outflows manageable. The best part? You now own two properties, benefiting from rising property values over time. #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateHacks #HELOC #HomeBuyingTips #PropertyInvestment #WealthBuilding #HomeEquity #SecondHome #RealEstateInvestment #BuyWithoutSelling #RentalIncome #RealEstateStrategy #HomeBuyingJourney #RealEstateAdvice #MortgageTips #InvestInProperty #PassiveIncome #RealEstateWealth #PropertyOwner #FinancialFreedom #HomeOwnership #RealEstateGrowth #EquityBuilding #RentalProperty #InvestmentProperty #HouseHacking
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24/08/2024
Just because many people are upset about high home prices doesn’t mean those prices will drop. Home prices are driven by supply and demand, and even with lower demand, prices have stayed stable. How d...
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Just because many people are upset about high home prices doesn’t mean those prices will drop. Home prices are driven by supply and demand, and even with lower demand, prices have stayed stable. How do you feel about the situation? #LJAguinaga #LJRealties #MontrealRealEstate #RealEstateMarket #HomeBuyingTips #SupplyAndDemand #HousingAffordability #MarketTrends #RealEstateAdvice #HomePrices #BuyersMarket #RealEstateNews #MarketAnalysis #HomePurchaseSentiment #PropertyPrices #InvestmentTips #RealEstateInsights #HousingTrends #MarketOutlook #HomeOwnership #PropertyInvestment #RealEstateDecisions #HousingMarket #RealEstateReality #HomeBuyerSentiment #MarketConditions #PropertyValues
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23/08/2024
Succession Planning
What happens to assets if you don’t have a clear will in place when you pass away? What rights to your property does your spouse, children or parents have? These are things that w...
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Succession Planning What happens to assets if you don’t have a clear will in place when you pass away? What rights to your property does your spouse, children or parents have? These are things that we don’t really like to think about but should be. It’s so important to have a proper succession plan in place so that your loved ones have one less thing to worry about. Watch this video for advice and tips on succession planning. If you have questions, book a call with me and I can put you in touch with the right professionals to ensure that your affairs are in order.
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22/08/2024
1160, RUE MACKAY, APP. 2303, MONTRÉAL (VILLE-MARIE)
NO CENTRIS 26148174
Welcome to Enticy: a beautiful project with modern and stylish flair in the heart of Montreal. This stunning 2 bedroom, 1 bathr...
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1160, RUE MACKAY, APP. 2303, MONTRÉAL (VILLE-MARIE) NO CENTRIS 26148174 Welcome to Enticy: a beautiful project with modern and stylish flair in the heart of Montreal. This stunning 2 bedroom, 1 bathroom unit on the 23rd floor features incredible views of the city with floor-to-ceilings windows in the main living area and bedrooms. An open-plan concept allows you to arrange the unit any way you wish. With its rooftop patio & pool, gym as well as common area for residents, it is not an opportunity to be missed! Book your visit today! Bienvenue à Enticy: un magnifique projet avec un flair moderne et élégant au coeur de Montréal. Ce superbe appartement au 23e étage de 2 chambres à coucher et 1 salle de bain offre des vues incroyables sur la ville grâce à des fenêtres allant du sol au plafond dans le salon et les chambres à coucher. Un concept à aire ouverte vous permet d'aménager l'unité comme vous voulez. Avec sa terrasse et piscine sur le toit, son gym, et une zone commune pour les résidents, ce n'est pas une opportunité à manquer! Réservez votre visite aujourd'hui! 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 #villemarie #condolife #condoforsale #montrealcondo #RealEstateTour #MontrealProperty #HomeSweetHome #PropertyListing #Montreal #montrealrealestate #condoliving #condoview #montrealview #ville-marie #montrealvillemarie
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21/08/2024
Quick overview of rental rules in Quebec:
Rental agreements must use the standard lease form.
Rent increases follow strict guidelines and require proper notice.
Security deposits are not allowed—only ...
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Quick overview of rental rules in Quebec: Rental agreements must use the standard lease form. Rent increases follow strict guidelines and require proper notice. Security deposits are not allowed—only first month's rent. Evictions need valid reasons and proper notice. Tenants have strong rights, including lease renewal protections. Understanding these can help you navigate the market confidently. Questions? Reach out! #LJAguinaga #LJRealties #montrealrealestateagency #QuebecRentals #TenantRights #LandlordTips #RentalAgreement #QuebecLaw #RentIncrease #SecurityDeposit #EvictionRules #RealEstateTips
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19/08/2024
Invest in your child's future early! Buy a revenue property in their first year, let it appreciate over time. By the time they reach university, you'll have enough to cover their education, living exp...
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Invest in your child's future early! Buy a revenue property in their first year, let it appreciate over time. By the time they reach university, you'll have enough to cover their education, living expenses, and more. Smart planning starts today—give them the head start they deserve! . . . #RealEstateInvesting #FinancialPlanning #SmartParenting #LJAguinaga #LJRealties #RealEstateInvesting #PropertyInvestment #RealEstateAdvice #MontrealRealEstate #RealEstateGoals #PropertyGoals #InvestInRealEstate #RealEstateStrategy #SmartInvesting #FuturePlanning #DreamHome #RealEstateLife #RealEstateExperts #RealEstateTips #FirstTimeHomeBuyer #RealEstateInvestors #RealEstateSuccess #PropertyWealth #BuildingEquity #RealEstateOpportunity
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17/08/2024
Increase your home-buying power by over $100,000 with this simple down payment strategy!
Scenario Breakdown:
- Buying a $500,000 house with a 10% down payment ($50,000).
- You have an auto loan with...
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Increase your home-buying power by over $100,000 with this simple down payment strategy! Scenario Breakdown: - Buying a $500,000 house with a 10% down payment ($50,000). - You have an auto loan with a $25,000 balance and a $700 monthly payment. - Instead of putting the full $50,000 down, use half to pay off the auto loan. This strategy frees up $716 a month, increasing your affordability for a home loan payment. At today's rates, this move can boost your home-buying power by more than $100,000! This strategy might sound crazy, but the math proves it works. Follow this tip to maximize your home-buying potential. #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #RealEstateHacks #DownPaymentStrategy #IncreaseBuyingPower #MortgageAdvice #FirstTimeHomeBuyer #HomeBuyingProcess #RealEstateTips #FinancialFreedom #DebtPayoffStrategy
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