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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

Canada's housing market remains stalled despite lower interest rates. The problem has shifted from mortgage costs to fundamental affordability — buyers don't believe prices have reset enough, sellers are discounting to move properties, and the market lacks conviction on both sides. Then in the second half of the show we are joined by our amazing event hosts for some national updates.
 
 • Market weakness is broad-based: National sales down 10.7% year-over-year, prices down 3.8%, with Toronto and Vancouver leading the decline.
 • Rates aren't the issue anymore: The Bank of Canada cut rates four times in 2025 to 2.25%, but affordability concerns and economic unease still prevent buyers from acting.
 • 2026 outlook is mixed: Spring 2026 is the earliest realistic turning point, with strong growth expected in Quebec City, Montreal, and Regina, while Toronto and Vancouver prices continue falling.
 
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Canada’s Housing Market Stalls Again

Nick interviews Nathan Kennedy, otherwise known as New Money Nate discussing content creation, personal finance, and real estate investing.
 
 • Nate's Background: Full-time content creator who started in 2018-2019 during college, grew to over 1 million followers across platforms, and transitioned from a full-time job to content creation in 2021 when social media income exceeded his salary.
 • Content Philosophy: Takes a storyteller approach rather than giving direct advice, using scripted skits to educate viewers on personal finance topics while doing thorough research and consulting experts to ensure accuracy.
 • Views real estate as requiring an "operator mindset" rather than a passive investment, warns against romanticizing it, and advocates for going in "eyes wide open" since success requires being hands-on initially before scaling to property managers.
 
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Renting Vs. Buying From A Young Finance Expert

Canada's rental market experienced a dramatic shift in 2025, with vacancy rates rising to 3.1% nationally (the highest in a decade) due to record-high rental construction meeting slower population growth and reduced immigration. This has flipped the market from landlord-favored to renter-favored, with landlords now offering incentives like free months of rent to fill units.
 
 • Vacancy hit 3.7% (highest since 1988), with landlords competing for tenants for the first time in a generation and offering significant incentives.
 • Calgary maintained a balanced 5% vacancy despite adding 11% to its rental stock, thanks to strong interprovincial migration and employment.
 • Despite rising vacancies, national rents increased ~5%, with landlords raising rates on existing tenants, and affordable units remain scarce.
 
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The Bull Vs. Bear Case for Canada’s Rental Market

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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Renting Vs. Buying From A Young Finance Expert

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