Reporting Live from the OHBA conference in Ottawa we are joined by Dr. Mike Moffat to discuss, 
The Missing Middle, challenges & opportunities
Development policy and development charges ( Dans posts) 
We talk about Twitter Drama 
The CMHC housing catalogue and financing options 

Mike Moffatt

Learn more about the OHBA 

GIVEAWAY - JOIN A MEETUP GROUP FOR. A CHANCE TO WIN $2400 WORTH OF SHERWIN WILLIAMS PAINT

Sign Up For The Next Webinar Realist 

Join the best community in Canadian Real Estate realist.ca

Attend a MeetupsMeetups

Get a Pre ApprovalG & H Mortgage Group

Get Financing with Landbank LandBank 

Nick 

Instagram.com/mybuddynick

tiktok.com/@mybuddynick

twitter.com/mybuddynick89

Dan

twitter.com/daniel_foch 

instagram.com/danielfoch

tiktok.com/@danielfoch

Reporting Live from the OHBA conference in Ottawa we are joined by Dr. Mike Moffat to discuss, 
<ul>
<li>The Missing Middle, challenges &amp; opportunities</li>
<li>Development policy and development charges ( Dans posts) </li>
<li>We talk about Twitter Drama </li>
<li>The CMHC housing catalogue and financing options </li>
</ul>
<a href="https://institute.smartprosperity.ca/profile/mike-moffatt">Mike Moffatt</a>
<a href="https://www.ohba.ca/">Learn more about the OHBA </a>
<a href="https://www.meetup.com/pro/canadian-millennial-real-estate-investors/">GIVEAWAY - JOIN A MEETUP GROUP FOR. A CHANCE TO WIN $2400 WORTH OF SHERWIN WILLIAMS PAINT</a>
<a href="https://www.realist.ca/webinar">Sign Up For The Next Webinar Realist </a>
Join the best community in Canadian Real Estate <a href="https://www.realist.ca/">realist.ca</a>
Attend a Meetups  <a href="https://www.meetup.com/pro/canadian-millennial-real-estate-investors/">Meetups</a>
Get a Pre Approval <a href="https://www.ghmortgagegroup.ca/">G &amp; H Mortgage Group</a>
Get Financing with Landbank <a href="https://www.land-bank.ca/">LandBank </a>
Nick 
Instagram.com/mybuddynick
tiktok.com/@mybuddynick
twitter.com/mybuddynick89
Dan
twitter.com/daniel_foch 
instagram.com/danielfoch
tiktok.com/@danielfoch

The Podcast For Canadian Real Estate Investors.

The podcast features in depth discussion around investing in real estate, ongoing news in the Canadian real estate market, how to structure deals and grow your portfolio.
Show hosts Daniel Foch and Nick Hill bring experience, fresh takes, well-researched information and entertainment to a real estate investing podcast for Canadians.

The Podcast For Canadian Real Estate Investors.
The podcast features in depth discussion around investing in real estate, ongoing news in the Canadian real estate market, how to structure deals and grow your portfolio. Show hosts Daniel Foch and Nick Hill bring experience, fresh takes, well-researched information and entertainment to a real estate investing podcast for Canadians.

The Canadian Real Estate Investor

The Podcast For Canadian Real Estate Investors.

The podcast features in depth discussion around investing in real estate, ongoing news in the Canadian real estate market, how to structure deals and grow your portfolio.

Show hosts Daniel Foche and Nick Hill bring experience, fresh takes, well-researched information and entertainment to a real estate investing podcast for Canadians.

The Podcast For Canadian Real Estate Investors.
The podcast features in depth discussion around investing in real estate, ongoing news in the Canadian real estate market, how to structure deals and grow your portfolio.
Show hosts Daniel Foche and Nick Hill bring experience, fresh takes, well-researched information and entertainment to a real estate investing podcast for Canadians.

How Development Charges Are Affecting The Missing Middle

Nick sits down with Frankie Porco and Brendan Farrow of Platform Insurance, a Toronto brokerage focused on insurance and bonding for developers and builders. Since CMHC added a bonding requirement to MLI Select, bonding has gone from a public infrastructure product to something almost every purpose built rental project needs. They explain what a bond actually is, the difference between a performance bond and a labour and material payment bond, and why the “50/50” requirement still means your full contract is covered. They also cover who needs it (some lenders now ask for it on projects as small as 7 units), what it takes to qualify, how vertically integrated builders get approved, and how subdivision bonds can free up cash you’d otherwise lock in letters of credit. The episode wraps with where the construction market is heading and why you need specialists on your power team, not generalists.
Come to our 3rd Annual Holiday Party + 2027 Predictions
Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Bibliothèque - Tickets
Exchange-Traded Funds (ETFs) | BMO Global Asset Management
LISTEN AD FREE for $9/month
Get a mortgage with Nick Hill at bldfinancial.ca
Buy or sell real estate with Daniel Foch at valery.ca

Asset Allocation ETFs | BMO Global Asset Management
This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF’s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.

BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. “BMO (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used under
licence.

Nick sits down with Frankie Porco and Brendan Farrow of Platform Insurance, a Toronto brokerage focused on insurance and bonding for developers and builders. Since CMHC added a bonding requirement to MLI Select, bonding has gone from a public infrastructure product to something almost every purpose built rental project needs. They explain what a bond actually is, the difference between a performance bond and a labour and material payment bond, and why the &ldquo;50/50&rdquo; requirement still means your full contract is covered. They also cover who needs it (some lenders now ask for it on projects as small as 7 units), what it takes to qualify, how vertically integrated builders get approved, and how subdivision bonds can free up cash you&rsquo;d otherwise lock in letters of credit. The episode wraps with where the construction market is heading and why you need specialists on your power team, not generalists.
<ol>
<li><a href="https://www.eventbrite.ca/e/the-canadian-real-estate-holiday-party-tickets-2004592982573?aff=PODCAST">Come to our 3rd Annual Holiday Party + 2027 Predictions</a></li>
<li><a href="https://www.eventbrite.ca/e/unpacking-multiplexes-montreal-financement-zonage-et-rentabilite-tickets-2002658129375?aff=PODCAST">Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Biblioth&egrave;que - Tickets</a></li>
<li><a href="https://www.bmogam.com/ca-en/products/exchange-traded-funds/?ecid=dw-F25GAMOrganicGAM1-BMUM14">Exchange-Traded Funds (ETFs) | BMO Global Asset Management</a></li>
<li><a href="https://www.patreon.com/creipod">LISTEN AD FREE for $9/month</a></li>
<li>Get a mortgage with Nick Hill at <a href="http://bldfinancial.ca">bldfinancial.ca</a></li>
<li>Buy or sell real estate with Daniel Foch at <a href="http://valery.ca">valery.ca</a></li>
</ol>
<a href="https://bmogam.com/ca-en/products/exchange-traded-funds/asset-allocation-etfs">Asset Allocation ETFs | BMO Global Asset Management</a> This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual&rsquo;s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF&rsquo;s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal. BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. &ldquo;BMO (M-bar roundel symbol)&rdquo; is a registered trademark of Bank of Montreal, used under licence.

Bonding for Developers: How to Qualify, What It Costs, and Why CMHC Wants It

Ottawa says it’s extending the foreign buyer ban, but the law still ends it January 1. Nick and Dan go through Budget 2026 and sort what’s law from what’s only proposed. They cover the new 90% insured loan on triplexes and fourplexes (it’s 30 years and tests your income, not the building) and why you should build four units, not three, before Ontario’s HST deadline on March 31. They also get into how Canada’s new build carve out for foreign buyers copies Australia, the immigration timing risk, and what the budget means for rates. They run the numbers live, compare MLI Select to a fourplex, and give the budget a grade.


Come to our 3rd Annual Holiday Party + 2027 Predictions
Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Bibliothèque - Tickets
Exchange-Traded Funds (ETFs) | BMO Global Asset Management
LISTEN AD FREE for $9/month
Get a mortgage with Nick Hill at bldfinancial.ca
Buy or sell real estate with Daniel Foch at valery.ca

Asset Allocation ETFs | BMO Global Asset Management
This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF’s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.

BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. “BMO (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used under
licence.

Ottawa says it&rsquo;s extending the foreign buyer ban, but the law still ends it January 1. Nick and Dan go through Budget 2026 and sort what&rsquo;s law from what&rsquo;s only proposed. They cover the new 90% insured loan on triplexes and fourplexes (it&rsquo;s 30 years and tests your income, not the building) and why you should build four units, not three, before Ontario&rsquo;s HST deadline on March 31. They also get into how Canada&rsquo;s new build carve out for foreign buyers copies Australia, the immigration timing risk, and what the budget means for rates. They run the numbers live, compare MLI Select to a fourplex, and give the budget a grade. 
<ol>
<li><a href="https://www.eventbrite.ca/e/the-canadian-real-estate-holiday-party-tickets-2004592982573?aff=PODCAST">Come to our 3rd Annual Holiday Party + 2027 Predictions</a></li>
<li><a href="https://www.eventbrite.ca/e/unpacking-multiplexes-montreal-financement-zonage-et-rentabilite-tickets-2002658129375?aff=PODCAST">Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Biblioth&egrave;que - Tickets</a></li>
<li><a href="https://www.bmogam.com/ca-en/products/exchange-traded-funds/?ecid=dw-F25GAMOrganicGAM1-BMUM14">Exchange-Traded Funds (ETFs) | BMO Global Asset Management</a></li>
<li><a href="https://www.patreon.com/creipod">LISTEN AD FREE for $9/month</a></li>
<li>Get a mortgage with Nick Hill at <a href="http://bldfinancial.ca">bldfinancial.ca</a></li>
<li>Buy or sell real estate with Daniel Foch at <a href="http://valery.ca">valery.ca</a></li>
</ol>
<a href="https://bmogam.com/ca-en/products/exchange-traded-funds/asset-allocation-etfs">Asset Allocation ETFs | BMO Global Asset Management</a> This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual&rsquo;s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF&rsquo;s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal. BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. &ldquo;BMO (M-bar roundel symbol)&rdquo; is a registered trademark of Bank of Montreal, used under licence.

How Budget 2026 Impacts Canadian Real Estate

Land can make you rich while producing nothing, and that’s both the appeal and the danger. Nick and Dan look at why Toronto high density land is trading 37 per cent below its 2021 peak while Canadian farmland rose 9.3 per cent in 2025. They cover the six reasons people buy land and how Canada handed it out, from the 1805 Toronto Purchase to the Greenbelt reversal. They also explain the planning terms that cost investors fortunes, why land absorbs the hit when condo math breaks, and how professionals value and vet a parcel. They finish with their top five land plays today.
Come to our 3rd Annual Holiday Party + 2027 Predictions
Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Bibliothèque - Tickets
Exchange-Traded Funds (ETFs) | BMO Global Asset Management
LISTEN AD FREE for $9/month
Get a mortgage with Nick Hill at bldfinancial.ca 
Buy or sell real estate with Daniel Foch at valery.ca

Asset Allocation ETFs | BMO Global Asset Management 

This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.
For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF’s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.


BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. “BMO (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used under
licence.

 

Land can make you rich while producing nothing, and that&rsquo;s both the appeal and the danger. Nick and Dan look at why Toronto high density land is trading 37 per cent below its 2021 peak while Canadian farmland rose 9.3 per cent in 2025. They cover the six reasons people buy land and how Canada handed it out, from the 1805 Toronto Purchase to the Greenbelt reversal. They also explain the planning terms that cost investors fortunes, why land absorbs the hit when condo math breaks, and how professionals value and vet a parcel. They finish with their top five land plays today.
<ol>
<li><a href="https://www.eventbrite.ca/e/the-canadian-real-estate-holiday-party-tickets-2004592982573?aff=PODCAST">Come to our 3rd Annual Holiday Party + 2027 Predictions</a></li>
<li><a href="https://www.eventbrite.ca/e/unpacking-multiplexes-montreal-financement-zonage-et-rentabilite-tickets-2002658129375?aff=PODCAST">Join us at Unpacking Multiplexes Montreal, Thursday, November 19 at the Grande Biblioth&egrave;que - </a><a href="https://www.eventbrite.ca/e/unpacking-multiplexes-montreal-financement-zonage-et-rentabilite-tickets-2002658129375?aff=PODCAST">Tickets</a></li>
<li><a href="https://www.bmogam.com/ca-en/products/exchange-traded-funds/?ecid=dw-F25GAMOrganicGAM1-BMUM14">Exchange-Traded Funds (ETFs) | BMO Global Asset Management</a></li>
<li><a href="https://www.patreon.com/creipod">LISTEN AD FREE for $9/month</a></li>
<li>Get a mortgage with Nick Hill at <a href="bldfinancial.ca">bldfinancial.ca</a>&nbsp;</li>
<li>Buy or sell real estate with Daniel Foch at&nbsp;<a href="valery.ca">valery.ca</a><a href="https://bmogam.com/ca-en/products/exchange-traded-funds/asset-allocation-etfs"></a></li>
</ol>
<a href="https://bmogam.com/ca-en/products/exchange-traded-funds/asset-allocation-etfs">Asset Allocation ETFs | BMO Global Asset Management</a>&nbsp;
This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual&rsquo;s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF&rsquo;s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.
 BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. &ldquo;BMO (M-bar roundel symbol)&rdquo; is a registered trademark of Bank of Montreal, used under licence.
&nbsp;

How Development Charges Are Affecting The Missing Middle

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