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Big Money Is Buying Montreal Apartment Buildings

11/10/2026

Institutional investors don't guess. When a group managing billions buys an entire portfolio of Montreal apartment buildings, that's a signal worth reading. What they're seeing: vacancy under 3%, ren...
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Institutional investors don't guess. When a group managing billions buys an entire portfolio of Montreal apartment buildings, that's a signal worth reading. What they're seeing: vacancy under 3%, rents up over 70% in a decade while the rest of Canada cools, and prices that sit far below Toronto or Vancouver for comparable rental income. For individual investors, that's validation, and also a countdown. The big money just noticed what local investors have known for years, and competition only grows from here. Starting to think about rental property as part of your wealth strategy? Let's talk. Book a call, link in bio. #MontrealRealEstate #RealEstateInvesting #MontrealInvestors #LJRealties #RentalProperty

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Condo vs. House: Which Is Right for You? + Mortgage Approval Mistakes to Avoid

11/10/2026

Condo or house? It's one of the biggest decisions homebuyers face, and the right answer isn't always about price. This week on Under One Roof MTL, Robyn Flynn and
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Condo or house? It's one of the biggest decisions homebuyers face, and the right answer isn't always about price. This week on Under One Roof MTL, Robyn Flynn and

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Quebec's New Welcome Tax Rebate: Up to $5,875 Back for First-Time Buyers

09/10/2026

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/ If you are buying your first home in Quebec, there is a government rebate that can put up to $5,875 back in your pocket at closing and most buyers do not know it exists yet. This video explains exactly how the program works, how much you would actually get at different price points, who qualifies, and the filing mistake that causes people to miss it entirely. The welcome tax is a one-time payment due at closing based on the higher of the purchase price or the municipal evaluation. It is one of the largest surprise costs for first-time buyers in Quebec. As of this year, the province will reimburse the first $5,000 of that tax dollar for dollar, plus 25% of whatever remains up to an additional $875, for a maximum total rebate of $5,875. The video walks through two real scenarios. At a $450,000 purchase, the rebate brings your out-of-pocket welcome tax down to under $1,000. At $850,000, you are past the $750,000 threshold where the rebate begins to shrink, it scales down between $750,000 and $1 million, reaching zero at the million-dollar mark. That phaseout is worth understanding before you fall in love with a property just above the line. The eligibility requirement that catches couples: neither buyer can have owned property in the past four years. If one partner owned a condo two years ago and sold it, the household does not qualify, even if the other partner has never owned anything. The government estimates roughly 38,000 Quebec households will benefit annually, with an average rebate of approximately $3,700. This rebate also stacks with two federal programs: the Home Buyers' Plan allowing up to $60,000 per person from your RRSP tax-free, and the First Home Savings Account allowing $8,000 per year up to $40,000 total with tax-deductible contributions and tax-free withdrawals. Combined, first-time buyers in Quebec can pull real money from three different directions at once. One critical detail: this is not automatic. It is a refundable tax credit you must actively claim through Revenu Québec after closing. If you do not file for it, you do not get it.

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How to Buy a New House Without Selling Your Old One

08/10/2026

Don't sell your home to buy your next one. If you're sitting on equity and a low mortgage rate, there's a way to use that equity as your down payment and keep the first property working for you. Comm...
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Don't sell your home to buy your next one. If you're sitting on equity and a low mortgage rate, there's a way to use that equity as your down payment and keep the first property working for you. Comment EQUITY and I'll walk you through how this works with your numbers. #realestate #homeequity #heloc #realestateinvesting #montrealrealestate #ljrealties #ljaguinaga

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1,200 New Homes Just Got Approved. What It Means for Montreal

04/10/2026

Montreal just approved one of the biggest housing projects in its history and most people will miss why it actually matters. 1,200 units between Côte-des-Neiges and Decarie sounds like a headline. Th...
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Montreal just approved one of the biggest housing projects in its history and most people will miss why it actually matters. 1,200 units between Côte-des-Neiges and Decarie sounds like a headline. The real story is what it does to property values nearby over the next decade: some will climb as the area transforms, some will feel pressure from all that new supply. And because nothing opens for 3-5 years, anyone paying attention now has a head start on everyone who reacts later. This is the kind of shift I track so my clients don't have to. Curious what it means for your block specifically? Book a call. Follow for more of what's actually moving Montreal real estate. #MontrealRealEstate #MontrealDevelopment #CoteDesNeiges #LJRealties #MontrealRealtor

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Buying Your First Home + B-Lenders Explained

04/10/2026

Buying your first home is exciting, but there's a LOT that happens between deciding you're ready to buy and finally getting the keys. This week on Under One Roof MTL, Robyn Flynn and
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Buying your first home is exciting, but there's a LOT that happens between deciding you're ready to buy and finally getting the keys. This week on Under One Roof MTL, Robyn Flynn and

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Why Quebec Rents Are NOT Cooling Like the Rest of Canada

02/10/2026

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/ Canadian rents have been declining for 22 consecutive months. The national average is down 4%. Calgary and Vancouver are each down 4.5%, Edmonton down 3.6%, and Toronto's suburbs have dropped over 7%. But Montreal's rental market is telling a completely different story and in this video, I explain why from the inside, as someone who personally owns 70 rental units and manages over 350 in this city. Montreal asking rents dipped just 1.6% from a 2025 peak while the rest of the country softened. Purpose-built vacancy remains below 2% in most neighbourhoods. Rents across the city have jumped 71% since 2019 with no sign of reverting. The average rent increase on tenant turnover hit 19% in 2024 compared to the TAL guideline of 5.9% for renewals and that gap is the engine driving rent inflation across Montreal. This video covers the structural forces keeping Quebec tight while the rest of Canada cools, including the loss of affordable plex stock, new construction priced exclusively at the premium end, Quebec's uniquely high proportion of single person renter households, the neighbourhood-by-neighbourhood rent map, and the wave of institutional capital that has flowed into Montreal multifamily over the past 12 months with hundreds of millions in deals from groups like Immo Alliances, Groupe Inspire, and the $197.5 million Norgate acquisition in Saint-Laurent. I also break down the TAL's new CPI-linked rent increase formula, the rent-versus-buy math for Montreal in 2026, and what all of this means whether you are an investor, a renter, or someone thinking about buying. I'm

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Montreal's Condo Market Just Hit Equilibrium, Here's What That Means

28/09/2026

Montreal's condo market just flipped, for the first time in years, it's not a seller's market anymore. Condo sales are down 18%. Listings are up 20%. Homes are taking 62 days to sell, 12 days longer t...
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Montreal's condo market just flipped, for the first time in years, it's not a seller's market anymore. Condo sales are down 18%. Listings are up 20%. Homes are taking 62 days to sell, 12 days longer than last August. That's what a balanced market looks like. For buyers: more room to negotiate, more time to decide, and the median price ($483K) has basically flatlined. For investors: downtown and Ville-Marie are worth watching closely, but if you're looking to buy and rent, less competition and rising rental demand make this one of the better entry points in years. Want to know what this means for your specific situation? Reach out, I'll give you the real picture. #MontrealRealEstate #CondoMarket #MontrealRealtor #LJRealties #MontrealCondos

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Quebec Election Special: Where the Parties Stand on Housing

27/09/2026

Housing affordability is one of the biggest issues facing Quebecers heading into the October 5 provincial election. So this week on Under One Roof MTL, we're taking a closer look at what the major par...
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Housing affordability is one of the biggest issues facing Quebecers heading into the October 5 provincial election. So this week on Under One Roof MTL, we're taking a closer look at what the major parties are proposing to do about it. From tax breaks and down-payment assistance for first-time buyers to rent control, social housing, construction targets and deregulation, the parties are offering very different approaches. We break down the housing promises from the Coalition Avenir Québec, Parti Québécois, Québec solidaire, Quebec Liberal Party and Conservative Party of Quebec so you can compare them for yourself. Plus, we look at the latest mortgage and affordability headlines, including fixed rates creeping higher, variable rates becoming more competitive, and the financial pressure facing Canadian homeowners and families. In This Episode What's Happening in the Market • The Bank of Canada continues to hold its key interest rate at 2.25% • Why fixed mortgage rates have been creeping higher • Why some variable-rate mortgages are becoming more attractive again • The financial pressure higher mortgage payments are putting on homeowners • The growing number of Canadian parents financially supporting their adult children • Why affordability remains one of the biggest stories in housing Why Voting Matters in Quebec With Quebecers heading to the polls, we look at why provincial politics matters to homeowners, renters and prospective buyers. Housing, health care, education, taxes, infrastructure and the cost of living are all provincial issues voters are weighing. Quebec is also dealing with the economic effects of the ongoing Canada-U.S. trade dispute, including the impact on businesses, workers, investment and exports. Whatever issues matter most to you, take the time to learn about your local candidates and the parties' platforms and make your own decision at the ballot box. Quebec Election: Housing Promises by Party Housing has emerged as a major issue in this election. Here's the full party-by-party breakdown of the housing proposals discussed on this week's show: Coalition Avenir Québec (CAQ) The CAQ is focusing heavily on helping people purchase their first home while trying to make it easier to increase housing supply. • Increase Quebec's homebuyer tax credit to as much as $7,000 for first-time buyers, applying to both new and existing homes • Reduce red tape and speed up government approvals for housing construction • Simplify some construction rules • Add more affordable housing for seniors • Provide additional support for people experiencing homelessness In simple terms: help first-time buyers with some of the upfront costs of homeownership while trying to get housing built faster. Parti Québécois (PQ) The PQ is also emphasizing homeownership and reducing costs for first-time buyers. • Refund the Quebec sales tax on the purchase of a new home for first-time buyers, potentially representing significant savings • Increase the existing first-home tax credit • Reduce paperwork and speed up housing approvals • Make it easier to develop prefabricated and standardized housing • Introduce additional social and affordable housing measures • Expand initiatives aimed at reducing homelessness In simple terms: make purchasing a new home less expensive for first-time buyers while reducing barriers to adding housing supply. Québec solidaire (QS) Québec solidaire is putting considerably more emphasis on renters, rent regulation and government-supported housing. • Initially limit rent increases to inflation before introducing a stronger rent-control system • Create 50,000 social and community housing units through new construction and the purchase of existing properties • Offer qualifying first-time buyers a government loan of up to $50,000 toward their down payment • Create a public rent registry • Introduce stronger rules targeting speculation • Strengthen measures involving landlords who repeatedly violate tenant protections In simple terms: stronger renter protections, substantially more non-market housing and government assistance toward the down payment for some first-time buyers. Quebec Liberal Party (PLQ) The Liberals are putting a major emphasis on significantly increasing Quebec's overall housing supply. • Set a long-term target of 100,000 new homes per year • Refund part of the Quebec sales tax on new homes, worth up to $10,000 in many cases • Add 40,000 social and affordable housing units over five years • Use incentives to encourage private investment in new housing construction • Expand both market and affordable housing supply In...

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5 Parties, 5 Housing Plans. What Quebec's Election Means for Your Home

25/09/2026

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/ Quebec election 2026 housing policy breakdown. Five parties. Five completely different housing plans. What each one means for home prices, renters, landlords, and investors in Montreal and across Quebec. PQ housing plan Quebec 2026: QST refund up to $45,000 on new construction, immigration cap at 35,000 permanent residents, Construction Code reform, no rent control position. Quebec Liberal Party housing platform: 10-year target of 565,000 new homes, $10,000 new-build credit, mandatory inclusionary zoning, rent registry, 1031-style capital gains deferral for landlords reinvesting in new housing. CAQ housing policy 2026: Welcome tax rebate for first-time buyers ($7,000), 10,000 affordable units per year, $200M for social housing, emergency fund for special assessments, rent control unchanged. Québec solidaire housing plan: Universal rent control tied to the unit not the tenant, public right of first refusal on rental buildings for sale, 50,000 social and community housing units, 100% capital gains tax on rental property sales, strongest tenant protection platform. Quebec Conservative Party housing: Decontrol rents above $2,500, allow market reset after renovation for 5 years, security deposits, farmland and R-20 zoning reform, prefab deregulation, most aggressive cost-cutting and most landlord-favourable framework. Cross-cutting issues no party is addressing directly: Bill 65 eviction moratorium expiring June 2027, capital gains treatment across five different tax futures, demand-side subsidies and builder price capture. No endorsements. No politics. Just impact on your property, your mortgage, and your investment. I'm

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Selling an Inherited Property + Reverse Mortgages Explained

20/09/2026

What happens when you inherit a home and suddenly have to figure out what to do with it? This week on Under One Roof MTL,
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What happens when you inherit a home and suddenly have to figure out what to do with it? This week on Under One Roof MTL,

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5 Reasons People Hesitate to Buy (And Which Ones Are Actually Valid)

18/09/2026

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/ Almost every week, someone tells me they're not sure if they should buy, not because they can't afford it, but because something is holding them back. They basically ask me to convince them. So let's do that. But honestly, because a video that talks you into buying no matter what isn't actually helpful. In this video I break down the 5 most common hesitations and give you the honest truth behind each one: → "What if prices drop right after I buy?" - stress-tested with real numbers → "I don't have enough saved yet" - the gap is often smaller than you think (including the new Quebec welcome tax rebate) → "What if I lose my job?" - this one deserves real respect → "Renting just feels safer" - flexibility has value, but it also has a real cost → "What if I pick the wrong place?" - the one question that solves this Plus: the comparison that actually matters (hint: it's not your parents' market) and the situations where waiting IS the right call. I'm

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Why Some People Get Lower Mortgage Rates (It's Not Luck)

15/09/2026

The best mortgage rate usually doesn’t come from simply asking your bank for a better deal. It comes from having options and making lenders compete for your business. Before you sign anything, shop a...
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The best mortgage rate usually doesn’t come from simply asking your bank for a better deal. It comes from having options and making lenders compete for your business. Before you sign anything, shop around, know your credit, and make sure you’re comparing what’s actually available to you. 📩 Getting a mortgage or renewal soon? DM us and we’ll connect you with the right people to help you explore your options. #LJRealties #MontrealRealEstate #MortgageTips #HomeBuying #RealEstateStrategy

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Pricing Your Home & Refinancing to Consolidate High Interest Debt

13/09/2026

Is it ever a good idea to list your home high just to "see what happens"? This week on Under One Roof MTL, we're looking at why an ambitious asking price can backfire, how buyers react to stale listin...
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Is it ever a good idea to list your home high just to "see what happens"? This week on Under One Roof MTL, we're looking at why an ambitious asking price can backfire, how buyers react to stale listings and price drops, and why getting the price right from day one matters. Plus, tariffs, inflation and economic uncertainty are creating some big questions for Canadian homeowners. We look at what the current trade war could mean for mortgage rates and Montreal real estate, and Fred and Martin explain how refinancing your mortgage can be used to consolidate high-interest debt. In This Episode What's Happening in the Market: Tariffs, Mortgage Rates & Montreal Real Estate The trade war is no longer just about tariffs. We look at how higher costs and economic uncertainty could make their way into your mortgage and the housing market. • Why homeowners with a mortgage should care about tariffs • How tariffs can contribute to inflation while simultaneously slowing the economy • Why economic uncertainty doesn't automatically mean mortgage rates will fall • The difference between what drives variable and fixed mortgage rates • What the latest Montreal housing numbers are telling us about buyers, sellers and inventory • Why growing economic and employment uncertainty can cause buyers to put their plans on hold Real Estate: Pricing Your Home Right From Day One

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Building a Real Estate Portfolio: Your Home is Just the Start

11/09/2026

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/ A couple making $250K combined can realistically build a $3 million real estate portfolio in Montreal, not by saving for 20 years, but by using one mechanism almost no first-time buyer ever hears about. In this video I build it step by step with real numbers at every stage: → Stage 1: Buy a $650K home, 20% down. In 5 years: $300K in equity. → Stage 2: Refinance, pull $150K. Buy a $700K duplex with rental income. → Stage 3: Refinance both, acquire a third property, an $800K plex. → 15 years later: ~$3M portfolio from one initial $140K investment. → How banks count 50–80% of rental income toward qualifying → Why each property helps you qualify for the next one → The $140K vs. stock market comparison: $444K portfolio vs. $3M in real estate → Honest caveats: what has to be true for this to work → $3M in properties ≠ $3M in your pocket. The equity vs. debt distinction This is a model showing the mechanism, not a guarantee. But the mechanism is real and it compounds. I'm

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Would you still buy this house if it never appreciated?

09/09/2026

Before you sign anything, ask yourself this: would you still want this house if the price never went up a single dollar? Not as an investment. Not as a flex. Just do you actually want to live here. I...
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Before you sign anything, ask yourself this: would you still want this house if the price never went up a single dollar? Not as an investment. Not as a flex. Just do you actually want to live here. I've watched clients buy on the numbers and regret it within a year, because they never asked if they liked the home. I've watched others buy "imperfect" homes they loved and never look back because they answered that honestly first. Appreciation is the bonus. It was never supposed to be the reason. Save this before your next viewing. #MontrealRealEstate #HomeBuyingTips #MontrealRealtor #LJRealties

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The Mortgage Penalty Nobody Explains Until You're Already Paying It

04/09/2026

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/ Buyers have been misled about one aspect of the mortgage process that has cost them thousands of dollars and few people know anything about it until it’s already too late. This has nothing to do with whether interest rates are high or low. Instead, this happens when you have to break a mortgage during the course of a term. Most of the time, life throws curve balls and we are not prepared for it. In this video: →Understanding the IRD (Interest Rate Differential) penalty which is needed to be checked first → An example that illustrates a 5-year fixed penalty of about $14000 at 5.5% → The reason for a penalty increase when the interest rates go down → Using posted rates: why banks choose posted rates instead of negotiated rates → Penalty involving a sale or refinance. → Importance of being familiar with portability, other options besides the penalty. → Why payment conditions in variable-rate mortgages are so much better than fixed-rate mortgages. → Getting the penalty in writing before signing a deal. 📞 Book a 15-min call. I'll connect you with a mortgage specialist I trust. https://www.meetwithlj.com/

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Why Cheaper Cities Aren't Always Cheaper

31/08/2026

A $100,000 cheaper house an hour out can cost you more over 10 years , here's the real math. Extra gas and car maintenance. Two hours a day you're not paid or with your kids. Higher insurance in some ...
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A $100,000 cheaper house an hour out can cost you more over 10 years , here's the real math. Extra gas and car maintenance. Two hours a day you're not paid or with your kids. Higher insurance in some areas. A smaller resale pool when you sell. Add it up, and cheaper purchase price and cheaper life aren't the same thing. Thinking of relocating to save money? Drop MOVE below and let's run the real comparison together. 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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3 Montreal Buyers Who Got It Wrong, What It Actually Cost Them

28/08/2026

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/ Three Montreal buyers made three completely different mistakes, and I can tell you exactly what each one cost them in real dollars. These aren't generic warnings like "don't skip inspection." These are specific situations where the decision seemed reasonable at the time, and the information to prevent it already existed. In this video: → Case 1: Two couples buy a duplex to each live in one unit. Their agent told them they could repossess the tenants. Quebec law said otherwise. Cost: $20,000 → Case 2: Buyer purchases in a building with recent brick repairs. Didn't read the engineer's reports. Two years later: $70,000 special assessment → Case 3: Buyer stretches to buy a unit for short-term rental income. Didn't verify zoning or building bylaws. Cost: $10,800/year in lost projected income → The common thread: every one of these was knowable. None were caught. → Why a second set of eyes before you sign is the cheapest insurance you'll ever get If you're about to make an offer, one of these three is probably closer to happening to you than you think. I'm

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Buy or Rent: $790k Home Decision

26/08/2026

Buying beat renting by $55,777 on this exact listing, here's why. 330 rue Léotable-Dubuc, La Prairie. Renting: $2,900/month. Buying, all in: $4,440. Run both paths 5 years forward. Buy it, or rent it...
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Buying beat renting by $55,777 on this exact listing, here's why. 330 rue Léotable-Dubuc, La Prairie. Renting: $2,900/month. Buying, all in: $4,440. Run both paths 5 years forward. Buy it, or rent it and invest the $1,540 difference plus your down payment. Buying still wins by $55,777, at a conservative 5% appreciation, because you capture gains on the full home value, not just your down payment. Save this. Want it run on your numbers? Free 15-minute call 👉 https://www.meetwithlj.com/

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Banks Don't Advertise This!

23/08/2026

The 20% down mortgage is more profitable for banks. That's not why they push it, but it's why they don't mention this first. Mortgage default insurance lets you buy with as little as 5% down instead ...
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The 20% down mortgage is more profitable for banks. That's not why they push it, but it's why they don't mention this first. Mortgage default insurance lets you buy with as little as 5% down instead of waiting years to save the extra 15%. Yes, you pay a premium for it. But if prices climb 5% a year and it takes you four years to save that extra down payment, the appreciation you miss out on usually costs more than the insurance ever would. The math only works once you run your actual numbers. Drop NUMBERS below and I'll break down yours in the replies. Or book a call and we'll run it together. 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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First-Time Landlord: What $2,100/Month Rent Actually Nets You

21/08/2026

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/ If you're collecting $2,100/month in rent, that's not your profit, and on this property it's not even close. Every first-time landlord makes the same mistake: rent - mortgage = profit. It's never that simple. In this video I break down a real property, every dollar and every deduction so you see exactly where $2,100/month actually goes. In this video: → Real property: 551 de la Montagne, Montreal. Unit sold at $485K, renting at $2,100/mo → All-in monthly cost → Actual cash flow → The equity context → Vacancy allowance and repairs reserve: the costs first-timers forget → Property management fees: 8–10% of rent if you don't self-manage → The break-even number → Tax deductions that soften the picture → Why you run this math BEFORE you buy, not after I'm

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Why you can’t afford a house yet

20/08/2026

Waiting for the dream home is keeping you out of the market. Here's why the starter property (duplex, house-hack, whatever gets you in) beats waiting and how it actually buys your dream home for you i...
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Waiting for the dream home is keeping you out of the market. Here's why the starter property (duplex, house-hack, whatever gets you in) beats waiting and how it actually buys your dream home for you in 10 years. 📍 Montreal real estate insights every week #realestate #firsttimehomebuyer #montreal #househacking #wealthbuilding #LJAguinaga #LJRealties #Montreal #MontrealRealEstate #MontrealRealEstate #MontrealRealEstate #HomeUpgrades #CurbAppeal #RealEstateTips #MontrealRealtor #HomeValue #BestRealEstateAgentMontreal #RenovationTips #MontrealHomes

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The $106,000 Difference Between Renting and Buying

17/08/2026

Same income. Same savings. Same monthly spend. One person rents and invests, one buys a home, after 10 years, the gap between them is $106,000. Full breakdown of the numbers in this video 👆 #realesta...
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Same income. Same savings. Same monthly spend. One person rents and invests, one buys a home, after 10 years, the gap between them is $106,000. Full breakdown of the numbers in this video 👆 #realestate #rentvsbuy #investing #homeownership #personalfinance

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Estimation gratuite de la valeur de votre propriété

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