01/02/2025
🏠💸 Thinking of owning rental property? Here's why it’s a smart move: TAX BENEFITS!
1️⃣ Write Offs: Deduct expenses related to operating your property.
2️⃣ Depreciation: Claim the building's depreciat...
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🏠💸 Thinking of owning rental property? Here's why it’s a smart move: TAX BENEFITS! 1️⃣ Write Offs: Deduct expenses related to operating your property. 2️⃣ Depreciation: Claim the building's depreciation to reduce taxable income. 3️⃣ Capital Gains Shelter: Live in a portion of your rental (like a triplex), and shelter part of the gains when you sell it! Maximize your investments while keeping more money in your pocket! Let’s talk about how to make real estate work for you. 🙌 #realestateinvesting #TaxBenefits #RentalProperty #FinancialFreedom #PropertyInvestment #MontrealRealEstate #CanadianInvestors #WealthBuilding #LJRealties #bestrealestatebrokers
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29/01/2025
How Much Home Can You Afford with a $100K Income? (Montreal Real Estate Tips)
Wondering what your home-buying budget looks like if you earn $100,000 a year? In this video, I’ll break down the math, s...
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How Much Home Can You Afford with a $100K Income? (Montreal Real Estate Tips) Wondering what your home-buying budget looks like if you earn $100,000 a year? In this video, I’ll break down the math, showing you how lenders calculate your maximum total debt and monthly mortgage payment. With an annual income of $100K (that’s $8,333/month), your total monthly debts—car payment, credit cards, and your future house payment—can’t exceed 44% of your gross income. This example points toward a home priced around $465,000, but actual numbers vary depending on your interest rate, local taxes, and down payment. Want more Montreal real estate insights? Be sure to subscribe! . . . #LJAguinaga #LJRealties #Montreal #MontrealRealEstate #HomeBuyingTips #MortgageQualifying #HouseHunting #FinancialPlanning #RealEstateAdvice #IncomeVsHomePrice #CanadianRealEstate #DownPayment #HousingMarket #HomeAffordability #PropertyPurchase #DebtToIncome #FirstTimeHomeBuyer
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27/01/2025
Score a Real Estate Deal in Montreal in Today’s Market
Yes, you can still find great deals even in a competitive market! Here are three proven tactics to help you save big on your next home:
Timing ...
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Score a Real Estate Deal in Montreal in Today’s Market Yes, you can still find great deals even in a competitive market! Here are three proven tactics to help you save big on your next home: Timing Is Key: Shop during slower seasons (like winter) and look for homes on the market over 60 days. Less competition = better deals. Motivated Sellers: Focus on sellers who need to move quickly—relocations, family changes, etc. These sellers are more willing to negotiate. Strong Negotiator: Work with an agent who knows how to craft standout offers and leverage insider knowledge to save you thousands. Ready to level up your home-buying strategy? Watch this video and subscribe for more insider real estate tips! . . . #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #HomeBuyingTips #RealEstateInvesting #RealEstateDeals #HomeBuyingTips #MotivatedSellers #OffSeasonBuying #RealEstateMarket #NegotiationSkills #HouseHunting #SmartHomeBuying #PropertyInvestment #BuyersMarket #MarketInsights #RelocationDeals #RealEstateAdvice #RealEstateExpert #SaveBig #WinterMarket #HomeBuyersGuide #DealHunting #HomePurchase #InsiderKnowledge #RealEstateCanada #FinancialFreedom #PropertySearch #HousingMarketTrends
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25/01/2025
Are you preparing to buy your first home? These are the 3 most important lessons I’ve learned that can make or break your deal:
1️⃣ Budget Beyond the Loan: Know how much you qualify for, but focus on...
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Are you preparing to buy your first home? These are the 3 most important lessons I’ve learned that can make or break your deal: 1️⃣ Budget Beyond the Loan: Know how much you qualify for, but focus on how much you’ll have left each month after your house payment. This ensures you’re prepared for real-life expenses. 2️⃣ Always Get a Home Inspection: Never skip the home inspection! It reveals hidden problems and gives you leverage to negotiate repairs or credits before closing. 3️⃣ Prioritize Homeownership: Don’t let poor credit, lack of savings, or big car payments hold you back. Take control and make homeownership a priority—it’s one of the best long-term investments you can make. 💡 Want more actionable home-buying tips? Hit SUBSCRIBE and follow me for simple strategies to become a confident homeowner. . . . . #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateTips #HomeInspection #BudgetingForAHome #Homeownership #RealEstateInvesting #HouseHunting #RealEstateAdvice #MortgageTips
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23/01/2025
Is Downtown Montreal Still the Most Valuable Area?
Not anymore. COVID hit downtown hard, and factors like the federal foreign buyers ban and reduced parking under Mayor Plante’s policies didn’t help....
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Is Downtown Montreal Still the Most Valuable Area? Not anymore. COVID hit downtown hard, and factors like the federal foreign buyers ban and reduced parking under Mayor Plante’s policies didn’t help. The result? Suburbs and nearby municipalities have seen better growth and appreciation. Want to know where the market is thriving? Comment "Growth" and I’ll share the areas with the best (and worst) appreciation last quarter! . . . #MontrealRealEstate #DowntownMontreal #MarketTrends #LJRealties #RealEstateInvesting #MontrealSuburbs #GrowthOpportunity #MontrealLife #BestMontrealRealEstate #MontrealRealEstate #MontrealRealEstateMarket #MontrealPropertyInvesting #RealEstateTips #MontrealRealEstateInvesting #RealEstateStrategies #MontrealHomes #CoOwnPropertyMontreal #RealEstateInvesting #MontrealRealEstateBrokers #BestMontrealRealEstateBrokers #RealEstateInvestingTips #PropertyInvestmentMontreal
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22/01/2025
Score a Real Estate Deal in Montreal in Today’s Market
Yes, you can still find great deals even in a competitive market! Here are three proven tactics to help you save big on your next home:
Timing ...
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Score a Real Estate Deal in Montreal in Today’s Market Yes, you can still find great deals even in a competitive market! Here are three proven tactics to help you save big on your next home: Timing Is Key: Shop during slower seasons (like winter) and look for homes on the market over 60 days. Less competition = better deals. Motivated Sellers: Focus on sellers who need to move quickly—relocations, family changes, etc. These sellers are more willing to negotiate. Strong Negotiator: Work with an agent who knows how to craft standout offers and leverage insider knowledge to save you thousands. Ready to level up your home-buying strategy? Watch this video and subscribe for more insider real estate tips! . . . #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #HomeBuyingTips #RealEstateInvesting #RealEstateDeals #HomeBuyingTips #MotivatedSellers #OffSeasonBuying #RealEstateMarket #NegotiationSkills #HouseHunting #SmartHomeBuying #PropertyInvestment #BuyersMarket #MarketInsights #RelocationDeals #RealEstateAdvice #RealEstateExpert #SaveBig #WinterMarket #HomeBuyersGuide #DealHunting #HomePurchase #InsiderKnowledge #RealEstateCanada #FinancialFreedom #PropertySearch #HousingMarketTrends
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20/01/2025
Increase Your Home Buying Power by $100K – Montreal Real Estate Tips
Did you know that a $700 car payment could cost you over $100,000 in home-buying power? It all comes down to your debt-to-income r...
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Increase Your Home Buying Power by $100K – Montreal Real Estate Tips Did you know that a $700 car payment could cost you over $100,000 in home-buying power? It all comes down to your debt-to-income ratio. If you eliminate that car payment, you can allocate an extra $700 per month toward a mortgage—translating to about $120,000 more in home affordability. That difference could help you buy a property in the exact area you want. Curious about more Montreal real estate strategies? Subscribe for more tips! . . . #LJAguinaga #LJRealties #Montreal #MontrealRealEstate #HomeBuyingTips #MortgageQualifying #HouseHunting #FinancialPlanning #RealEstateAdvice #IncomeVsHomePrice #CanadianRealEstate #DownPayment #HousingMarket #HomeAffordability #PropertyPurchase #DebtToIncome #FirstTimeHomeBuyer #DebtToIncome #HomeBuyingTips #MortgageAdvice #FinancialFreedom #RealEstateCanada #CarPaymentHacks #WealthBuilding #PropertyInvestment #SmartHomeBuying
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18/01/2025
🚨 Don’t miss out on the FHSA!
If you haven’t owned a property in the last 4 years, this is your sign to open your First Home Savings Account. Even if you can’t contribute yet, opening it now secures y...
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🚨 Don’t miss out on the FHSA! If you haven’t owned a property in the last 4 years, this is your sign to open your First Home Savings Account. Even if you can’t contribute yet, opening it now secures your future contribution room. You can do it quickly online with your bank or download the Wealthsimple app to get started! 📱🏡 #FHSA #FirstHomeSavingsAccount #HomeBuyingTips #WealthSimple #RealEstate2025 #FinancialPlanning #WealthBuilding #LJAguinaga #LJRealties #MontrealRealEstate
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13/01/2025
From Trudeau's resignation to talk of tariffs and even wild annexation claims, there’s a lot in the news—but how does it all impact real estate?
Here’s what I’m seeing:
➡️ January is already busier t...
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From Trudeau's resignation to talk of tariffs and even wild annexation claims, there’s a lot in the news—but how does it all impact real estate? Here’s what I’m seeing: ➡️ January is already busier than usual, with calls starting as early as the 2nd! ➡️ I’m expecting even more activity by the end of the month and into February and March. ➡️ Interest rates are trending down, keeping demand high despite slight unemployment increases. Montreal’s market is heating up earlier than expected. What do you think about the current climate? Let’s chat about your plans for 2025! 🏡 #MontrealRealEstate #RealEstate2025 #MarketTrends #InterestRates #PropertyInvesting #LJAguinaga #LJRealties #HousingMarketUpdate
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11/01/2025
Answering One of Your Top Real Estate Questions!
We recently got asked: What’s going to happen when all those low-interest mortgages from 2019-2022 come up for renewal?
Will there be a wave of prope...
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Answering One of Your Top Real Estate Questions! We recently got asked: What’s going to happen when all those low-interest mortgages from 2019-2022 come up for renewal? Will there be a wave of properties hitting the market? Great deals for buyers? Here’s the take: Even though costs are rising, most homeowners qualified under a stress test, meaning they’re more likely to adjust their spending—like cutting back on vacations or dining out—before considering selling their homes. For those who do sell, the strong market will likely absorb those properties without major disruptions. In Montreal, no significant impact on the market is expected. Have a question you’d like answered? Drop it in the comments! #LJSays #LJRealties #LJAguinaga #MontrealRealEstate #Refinancing #InterestRates #RealEstateAdvice #HomeBuying #MontrealInvestments #RealEstateMarket #MontrealRealEstate #MTLRealEstate #MTLRealtor #MontrealRealEstateBroker #MontrealLiving #BrokerLife #SoMontreal #Immobilier #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers #MontrealRealEstateAgency #RealEstateTips
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09/01/2025
Multiple offers are making a comeback, but there's still time to prepare! Let’s plan now so you’re ready to jump into the market early in 2025. 🏡
#LJRealties #LJAguinaga #SpringMarket2025 #MontrealRe...
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Multiple offers are making a comeback, but there's still time to prepare! Let’s plan now so you’re ready to jump into the market early in 2025. 🏡 #LJRealties #LJAguinaga #SpringMarket2025 #MontrealRealEstate #RealEstateTips #BuyersMarket #MultipleOffers #RealEstateInvesting #DreamHome #HousingMarket
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07/01/2025
Trudeau’s resignation has everyone talking, but what does it actually mean for Canadian real estate?
Big changes are ahead, and it could be a turning point for both buyers and investors. What are you...
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Trudeau’s resignation has everyone talking, but what does it actually mean for Canadian real estate? Big changes are ahead, and it could be a turning point for both buyers and investors. What are your thoughts on this political shakeup? Let’s talk in the comments! ⬇️ #CanadaRealEstate #TrudeauResignation #PierrePoilievre #HousingCrisis #RealEstateInsights #LJRealties
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07/01/2025
If you’re worried about home prices going down after you buy, here’s the truth: literally nothing changes in your day-to-day.
You keep making your mortgage payments, just as you would if prices rose...
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If you’re worried about home prices going down after you buy, here’s the truth: literally nothing changes in your day-to-day. You keep making your mortgage payments, just as you would if prices rose. Real estate, like any quality asset, has ups and downs—but when you zoom out, values generally trend upward over the long term. Don’t let temporary dips deter you from homeownership or real estate investing. Watch this video to learn why short-term market fluctuations shouldn’t scare you off from making one of the best long-term investments. . . . #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #HomeBuyingTips #RealEstateInvesting #MarketDips #LongTermWealth #MortgageAdvice #RealEstateMarket #RealEstateAdvice #HousingMarket #BuyAndHold #PropertyInvestment #AssetBuilding #SmartHomeBuying #FinancialSecurity #MarketFluctuations #RealEstateStrategy #WealthBuilding #MontrealRealEstate #FirstTimeHomeBuyer #QualityAssets #RealEstateTrends
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04/01/2025
If you want to achieve real estate success like Stephen Ross—who’s worth $10 billion—you need to treat buying a quality home in a growing market just like investing in a quality stock. Think about how...
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If you want to achieve real estate success like Stephen Ross—who’s worth $10 billion—you need to treat buying a quality home in a growing market just like investing in a quality stock. Think about how Apple’s stock ($AAPL) has doubled since 2020. Does that mean it’s not a good investment now? In 5 years, we might be asking ourselves the same question. We live in inflationary times, and regardless of political changes, inflation is likely here to stay. Those who benefit most are people who own quality assets—whether it’s stocks or real estate. So, if you see a pullback in the market, maybe buy some stocks… or maybe a house! Make sure to subscribe for more insights on how to build wealth through smart real estate and investing strategies. . . . #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #WarrenBuffettOfRealEstate #StephenRoss #RealEstateWealth #InflationInvesting #QualityAssets #GrowingMarket #LongTermInvesting #RealEstateStrategy #WealthBuilding #FinancialTips #PropertyInvestment #SmartInvesting #AppleStock #RealEstateAdvice #InvestmentInsights #WealthCreation #RealEstateMarket #OwnQualityAssets #RichMindset #RealEstate2024
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31/12/2024
2024 a year of change but great success! Thank you to all our clients, we will work harder to give our best service in 2025. Happy New Year everyone!
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#montrealrealestateagent #montrealrealesta...
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2024 a year of change but great success! Thank you to all our clients, we will work harder to give our best service in 2025. Happy New Year everyone! . . . . #montrealrealestateagent #montrealrealestate #mtlrealestate #mtlrealtor #montrealrealestatebroker #montrealliving #brokerlife #somontreal #immobilier #ljrealties #ljimmobilier #teamlj #equipelj #montrealrealestatebrokers #montrealrealestateagency
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29/12/2024
💡 Want to Know If a Property Will Cash Flow? We’ve Got You Covered!
One of the top questions we got from our recent poll was:
“How do you figure out if a property will cash flow?”
Here’s the secret: i...
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💡 Want to Know If a Property Will Cash Flow? We’ve Got You Covered! One of the top questions we got from our recent poll was: “How do you figure out if a property will cash flow?” Here’s the secret: it’s all about the numbers! 📈 At LJ Realties, we use a tried-and-true Excel calculator that considers: ✔️ Purchase price ✔️ Down payment ✔️ Interest rates ✔️ Taxes & insurance ✔️ Expected cash flow It’s simple, effective, and helps us analyze properties in no time. Want access to this tool? Send me an email with the word ‘Calculator’, and we’ll share the spreadsheet with you. Let’s make smarter investment decisions together! 🔑 #LJRealties #LJAguinaga #RealEstateInvesting #CashFlowMadeEasy #MontrealRealEstate #InvestmentProperties #PropertyAnalysis #SmartInvesting #RealEstateGoals #MontrealRealEstate #MTLRealEstate #MTLRealtor #MontrealRealEstateBroker #MontrealLiving #BrokerLife #SoMontreal #Immobilier #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers #MontrealRealEstateAgency #RealEstateTips
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27/12/2024
What would happen if a 25% tariff on Canadian goods was implemented? 🇨🇦🤔
It could have a massive ripple effect on our economy and the real estate market. Here’s why:
Exporting less to the U.S. could ...
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What would happen if a 25% tariff on Canadian goods was implemented? 🇨🇦🤔 It could have a massive ripple effect on our economy and the real estate market. Here’s why: Exporting less to the U.S. could weaken our economy, leaving less money circulating. When spending decreases, housing prices often feel the pressure. Combine this with rising construction costs, and it could spell trouble for both buyers and builders. In a market like Montreal, where every small change has a major impact, it’s crucial to stay ahead of the curve. What’s your take on this potential scenario? Let’s talk about it! #LJRealties #LJAguinaga #BreakingNews #MontrealRealEstate #RealEstateInsights #TariffsAndRealEstate #MontrealHomes #CanadianEconomy #RealEstateTips #HousingMarket #EconomicImpact #StayInformed #MontrealRealEstate #MTLRealEstate #MTLRealtor #MontrealRealEstateBroker #MontrealLiving #BrokerLife #SoMontreal #Immobilier #LJRealties #LJImmobilier #TeamLJ #EquipeLJ #MontrealRealEstateBrokers #MontrealRealEstateAgency #RealEstateTips
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24/12/2024
Happy Holidays everyone!🎄
Wishing you nothing but love, joy, good food and lots of laughs this holiday season ❤️
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Joyeuses fêtes à tous!🎄
L’équipe de LJ Realties vous souhaite que de l’amour,...
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Happy Holidays everyone!🎄 Wishing you nothing but love, joy, good food and lots of laughs this holiday season ❤️ . . . . Joyeuses fêtes à tous!🎄 L’équipe de LJ Realties vous souhaite que de l’amour, de la joie, de la bonne nourriture et beaucoup de rires en cette période de fêtes ❤️. #montrealrealestateagent #montrealrealestate #mtlrealestate #mtlrealtor #montrealrealestatebroker #montrealliving #brokerlife #somontreal #immobilier #ljrealties #ljimmobilier #teamlj #equipelj #montrealrealestatebrokers #montrealrealestateagency
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22/12/2024
💭 Think real estate is only for the rich? Think again! 🏡✨
Here’s the truth: with smart planning, owning a property can be way more attainable than you think. For example, a $325,000 condo could cost y...
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💭 Think real estate is only for the rich? Think again! 🏡✨ Here’s the truth: with smart planning, owning a property can be way more attainable than you think. For example, a $325,000 condo could cost you as little as $1,230/month after renting out one room—and yes, that already includes mortgage, taxes, fees, and insurance! Start saving, start planning, and let real estate work for you. 🙌 Ready to take the first step? Let's chat about how to make it happen! #RealEstateInvesting #FirstTimeBuyer #MontrealLiving #InvestInYourFuture #LJRealties #LJAguinaga #LJSays
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19/12/2024
Interest rates and home prices—what’s the connection? 📈 In Montreal, our competitive seller’s market means rates have a big impact. When interest rates drop, buyers’ purchasing power increases, often ...
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Interest rates and home prices—what’s the connection? 📈 In Montreal, our competitive seller’s market means rates have a big impact. When interest rates drop, buyers’ purchasing power increases, often driving prices higher. 🏡💸 Curious how this works? Let’s break it down in the comments!👇 #MontrealRealEstate #InterestRates #HomeBuyingTips #LJRealties #LJAguinaga
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17/12/2024
Want to save $120,000 in interest and finish your mortgage 5 years early? 🏡 Here’s a quick and easy way to do it:
💡 Step 1: Take your monthly mortgage payment and divide it by 12.
💡 Step 2: Add that ...
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Want to save $120,000 in interest and finish your mortgage 5 years early? 🏡 Here’s a quick and easy way to do it: 💡 Step 1: Take your monthly mortgage payment and divide it by 12. 💡 Step 2: Add that amount to your regular payment each month. For example: If your mortgage payment is $3,000, divide by 12 to get $250. Add that $250 to your payment for a total of $3,250/month. By consistently doing this, you’ll pay off your home loan 5 years faster and keep thousands in your pocket. 🔑 Small changes lead to BIG savings! Follow me for more smart financial tips to achieve your real estate goals faster. #LJAguinaga #LJRealties #MontrealRealEstate #MortgageTips #PayOffMortgageFast #FinancialFreedom #HomeBuyingTips #RealEstateAdvice #MortgageHacks #SaveMoney #RealEstateInvesting #PersonalFinance #DebtFreeJourney
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15/12/2024
Did you know that your ability to buy a home boils down to just 3 key factors? 🏡 I call it the 3C Formula:
1️⃣ Credit: Your score doesn’t need to be perfect, but recent history matters.
2️⃣ Capacity:...
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Did you know that your ability to buy a home boils down to just 3 key factors? 🏡 I call it the 3C Formula: 1️⃣ Credit: Your score doesn’t need to be perfect, but recent history matters. 2️⃣ Capacity: Lenders check your income and debts to ensure you can afford the payments. 3️⃣ Collateral: The property itself must meet lending standards and appraise at the correct market value. Understanding these three factors can help you get prepared to make your dream of homeownership a reality. ✅ Ready to dive deeper? Follow me for more tips to make home buying simple and stress-free! #LJAguinaga #LJRealties #MontrealRealEstate #HomeBuyingTips #RealEstateAdvice #CreditScore #MortgagePlanning #FirstTimeHomeBuyer #HomeBuyingMadeSimple #RealEstateSimplified #BuyAHome2024 #HomeLoanApproval #MortgageTips
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12/12/2024
💎 Luxury Properties Deserve a Luxury Experience ✨
"Luxury properties sell themselves." It’s something we hear often, but in Montreal, it couldn’t be further from the truth. With its bilingual culture...
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💎 Luxury Properties Deserve a Luxury Experience ✨ "Luxury properties sell themselves." It’s something we hear often, but in Montreal, it couldn’t be further from the truth. With its bilingual culture, complex laws, and neighborhoods that change block by block, selling luxury real estate here demands expertise, precision, and strategy. As your trusted realtors, we go beyond just listing a property. From marketing directly to high-net-worth buyers to navigating the nuances of the market and negotiating with your goals in mind—we ensure every detail is handled seamlessly. Selling your luxury home? Let's make sure it’s done right. 📞 Contact us today for personalized guidance and unmatched service. #LJRealties #LuxuryRealEstate #MontrealLuxuryHomes #RealEstateExperts #SellingLuxury #MontrealHomes #LuxuryLifestyle
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10/12/2024
Thinking about refinancing your mortgage to lower your payment? 🏡 Before you do, there’s one crucial detail you need to know:
🔑 In the early years of a 30-year mortgage, most of your payment goes tow...
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Thinking about refinancing your mortgage to lower your payment? 🏡 Before you do, there’s one crucial detail you need to know: 🔑 In the early years of a 30-year mortgage, most of your payment goes toward interest, not principal. When you refinance, you restart that cycle and could end up paying more in the long run. 💡 What to do instead: 1️⃣ Consider a shorter loan term (e.g., 25 years or less). 2️⃣ Understand how amortization works before refinancing. 3️⃣ Explore other ways to lower your payment without resetting your term. Refinancing can be a great tool, but only if done wisely! Save money and avoid costly mistakes. Follow me for more expert tips to navigate the real estate market. #LJAguinaga #LJRealties #MontrealRealEstate #RefinanceTips #MortgageHacks #RealEstateAdvice #SaveMoney #HomeBuyingTips #MortgageRefinance #FinancialFreedom #PersonalFinance #RealEstateInvesting #MortgagePlanning
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