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Daniel Foch & Nick Hill

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 etymology and historical evolution of mortgages, from ancient collateral practices through to modern Canadian mortgage systems, including key regulatory developments and fundamental mortgage terminology.
 
 • The word "mortgage" derives from Old French meaning "dead pledge", with collateral-based lending traced back to the fifth century B.C.and formalized through Roman law 
 • Major transformations included CMHC's creation in 1945, the 1954 Bank Act enabling bank mortgages, and the 1970s establishment of the five-year fixed-rate standard, with recent stress tests implemented in 2018.
 • Key terms include mortgage term (contract duration, typically 5 years), amortization (total repayment time, usually 25 years), and the distinction between fixed and variable rates, plus different mortgage types like conventional (20%+ down)and high-ratio (under 20% down).
 
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The Mortgage Episode - Every Type & Whats Right For You

Canadian real estate investors face new uncertainty due to Aboriginal title claims, particularly following the August 2025 Cowichan case in Richmond, BC. This landmark ruling recognized Indigenous title over 300 hectares of land that included existing private fee-simple properties – the first time in Canadian history this has occurred. The decision has triggered financing issues, cancelled deals, and government intervention, with BC Premier Eby announcing $150 million in loan guarantees. While no one has been evicted, the ruling challenges the traditional concept of "indefeasible" title and creates uncertainty for property owners, lenders, and investors across Canada.
 
Plus in the second half of the show we are joined by an expert Bruce Pardy to get his perspective on the subject. 
 
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Are Indigenous Land Claims A Risk For Real Estate Investors?

We finish part 2 of all the terms you need to know. Land assembly (combining properties for larger projects), liens (legal claims on property for unpaid debts), land transfer tax (provincial/municipal tax on purchases), letters of intent (preliminary commercial agreements), and minor variances (zoning exceptions).
 

 
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Real Estate Terms You Need To Know (But Probably Don't) Part. 2

In Real Estate, everyone speaks the same language but different sectors use different variations. Developers, flippers, lawyers, mortgage brokers, contractors, and realtors all use different variations of real estate terminology, in this episode we cover the first portion of very relevant terms you need to know. Each term includes what it is, how it works, why it's important, and practical context for Canadian real estate.
 
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Real Estate Terms You Need To Know (But Probably Don't)

We are joined by commercial real estate broker, podcaster, investor and overall great guy, Dayma Itamunoala. Dayma has extensive knowledge and experience in the multifamily space and has also spent years interviewing the top figures in Canadian Real Estate. 
 
 • What type of deals he is seeing right now
 • What's working—and what's not
 • How the podcast and LinkedIn changed the game for you
 • Key lessons from interviewing Canada's top real estate professionals
 • Emerging trends in the market
 • Advice for professionals and investors just getting started
 
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What Are The Risks & Opportunities In Multifamily Real Estate?

We are talking conditions (contingencies) in Canadian real estate offers – protective clauses that allow buyers to back out of deals if certain requirements aren't met. After nearly disappearing during the pandemic housing frenzy, conditions are making a comeback as the market shifts toward buyers.
 
 • Firm vs. Conditional Offers: A firm offer has no conditions and binds you immediately, while a conditional offer includes safety valves that let you walk away penalty-free if requirements aren't met.
 • Main Condition Types: The most common buyer protections include financing (mortgage approval), home inspection, insurance, sale of existing property, assignment rights, and general due diligence.
 • Market Context Matters: In buyer's markets you have leverage to include protective conditions, but in competitive seller's markets, conditions can make your offer less attractive.
 
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The Comeback of Conditions: Protecting Your Deal in a Buyer's Market

The history and evolution of condominiums in Canada, covering their emergence in the 1960s through today's challenges, with a focus on multiplex stratification. The we are joined by Ben Singer of SR Law for a deeper legal dive. 
 
 • Canada's first condo: The Brentwood Village townhouse complex in Edmonton (1967) was Canada's first registered condominium, enabled by the Condominium Act of 1967.
 • Growth trajectory: Condos grew from less than 10% of Canadian homes before 1981 to 40-50% in recent years, with exponential growth since 1997.
 • Multiplex stratification: Montreal and Vancouver have long embraced stratifying multiplexes into individually owned condo units, while Toronto is just beginning to explore this approach.
 
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The Truth About Condos

We cover the PWC-ULI Emerging Trends in Real Estate 2026 report, which analyzes Canada's real estate market through interviews with industry professionals. The report highlights housing affordability challenges while noting resilience in alternative sectors like retail, student housing, and industrial properties. Despite current difficulties, industry leaders remain cautiously optimistic about adapting to find new growth opportunities.
 
 • Housing remains the central challenge — Affordability issues are affecting the entire real estate market, with government programs like Build Canada Homes emphasizing modular construction to accelerate supply
 • Alternative asset classes are outperforming — Retail, student housing, self-storage, seniors' housing, and industrial properties show strong performance, with approximately 7.6 million Canadians (18.9%) now 65 or older driving demand in seniors' housing
 • Market is shifting to "the age of the operator" — Success now depends on operational excellence, cross-industry partnerships, and technology integration rather than just identifying the right asset class or location
 
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Emerging Trends In Real Estate For 2026

Ontario's Bill 60 (Fighting Delays, Building Faster Act, 2025) introduces major changes to landlord-tenant law aimed at speeding up evictions and reducing Landlord and Tenant Board delays. The legislation shortens timelines for tenants to respond to eviction notices, limits their ability to raise defenses at hearings, and reduces compensation requirements for certain evictions.
 
 Faster evictions for non-payment: • Grace period cut from 14 days to 7 days, and tenants must now pay 50% of arrears upfront to raise maintenance issues as a defense
 Reduced tenant protections: • Tenants can no longer raise new issues at hearings without advance notice, and appeal timelines shortened from 30 to 15 days
 Lower eviction costs for landlords: • Landlords giving 120+ days notice for "own use" evictions no longer need to pay one month's compensation
 
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What Bill 60 Actually Means For Landlords & Tenants

Nick & Dan discuss the benefits of owning a home, both financial (building equity, fixed mortgage payments, tax advantages) and emotional (stability, freedom, community), while acknowledging affordability challenges. They introduce the episode's focus: a step-by-step guide to buying your first home, including building a "power team" of professionals and using tools like the First Home Savings Account.
 
 • Homeownership builds equity and wealth over time, unlike rent, while offering predictable costs through fixed-rate mortgages and potential tax benefits.
 • Beyond finances, owning a home provides stability, freedom to personalize your space, pride in achievement, stronger community connections, and freedom from landlord-related frustrations.
 
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The 10 Step Roadmap To Homeownership

Small commercial real estate offers potentially lucrative investment opportunities that are often overlooked. The discussion covers different types of commercial properties, financing considerations, and strategies for maximizing returns.
 
 • Commercial real estate offers different advantages compared to residential, including higher rents and longer lease terms (3-10+ years), providing more stable income when managed properly.
 • Commercial mortgages differ from residential ones - they're based on the property's ability to generate cash flow rather than the borrower's ability to repay, and typically have higher interest rates due to increased risk.
 • When investing, consider property classification (Class A-C), location, tenant selection, and market trends - with recommendations to look for multi-use zoning and appropriately sized properties to maximize value.
 
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How To Invest In Small Commercial Real Estate

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