The Housing Wave Could Crush The Middle Class w/Victoria Suen #293

Victoria is the founder of Build X Design, an architect studio specializing in housing densification projects, based in Toronto, and she purchased her first investment property at age 19, and has helped over 100 investors complete projects! Victoria is focusing most of her work in Toronto these days, and we dive into the different zoning changes that are happening and some of the final numbers as examples for renovations; what’s happening with Garden suites; why Toronto has up-zoned single family homes allowing you to add up to 5 additional units; what types of homes are best for densification; how many bedrooms should you put in; what are some of the common issues investors are experiencing; what are some of the mistakes Victoria’s seen and any she’s made; what’s next for Victoria, and MORE!

Plus Gary’s Tip Of The Week!

Contact:

Victoria: https://www.instagram.com/buildxlab or http://buildxdesign.ca

This episode proudly sponsored by McMurter & Associates.

They are a real estate and estate law firm who can be your partner for every major legal event in your life. If you're planning an estate, selling or buying real estate, they can help with over 30 years of experience. Their objective is to prevent you from worrying about the legal aspect of your transactions. From the first meeting, McMurter will provide you with straightforward legal advice, and no surprises, including a legal bill you didn't expect.

Find them at: https://www.mcmurter.com

Other Links:

Gary's mentorship program visit https://garyhibbert.ca

International Mortgage Solutions For Canadians - Jeremy Friedberg

Jeremy Friedberg, who runs an alternative financing company for Canadians called Seaport Credit Canada, flew all the way from Cancun Mexico to join me for an unscripted chat about alternative financing! Seaport helps Canadians by providing alternative financing solutions to Canadians purchasing real estate outside Canada. They also help Canadians access flexible funding for property investments around the world. Jeremy breaks down the basics of alternative international real estate financing, and how Seaport is helping Canadians to invest abroad, with financing backed by their RRSPs, and MORE, so TUNE IN!

Plus Gary’s Tip Of The Week!

Contact:

jfriedberg@seaportcredit.com

SeaportCredit.com

Exciting News!
Real Talk With Gary - Real Estate Investing has been recognized as one of the Top 45 Canada Real Estate Podcasts by MillionPodcasts!

This list highlights the most comprehensive and respected real estate podcasts across the country, and I’m honoured to be featured alongside some of the best in the industry.

Check out the full list here:
🔗 Top 45 Canada Real Estate Podcasts - https://www.millionpodcasts.com/canada-real-estate-podcasts/

Big thanks to Vineet and the team at MillionPodcasts for the recognition—and to YOU, the listeners, for your ongoing support. Stay tuned for more great episodes!

This episode proudly sponsored by Rent Panda.

Rent Panda helps landlords go from listing to lease without wasted time or headaches along the way. Rent Panda provides the do it yourself landlord an online platform where you can list your property absolutely free. If you want to you can post your ad on multiple platforms, see tenant profiles, message tenants, schedule showings, get credit checks and build leases quickly and easily.

Rent Panda also caters to the more passive landlord who needs to find a tenant. doing all of the leasing work, so all you have to do is sit back, relax, and get the best tenants presented to you.

Find them at: https://www.rentpanda.ca

Please a leave a review, as it helps Gary understand if he’s bringing on the right guests that you want to hear from!

WATCH the podcast! https://www.youtube.com/@gary.hibbert

Disclaimer:
The views and opinions expressed by guests on Real Talk with Gary are solely those of the individual speakers and do not necessarily reflect the views or positions of Gary Hibbert, the podcast, or its affiliates. All information, content, and materials discussed are for informational purposes only and should not be construed as financial, legal, or professional advice.

Listeners are advised to perform their own due diligence and consult with a qualified professional before making any investment or business decisions. Real Talk with Gary, its host, and associated entities do not endorse or guarantee any products, services, or advice mentioned by guests and disclaim any liability for actions taken based on such content.

Participation in or reliance on this podcast is at your own risk.

Mindset, Real Estate & Taking The Leap - Kathryn Almeida & Karen Mejia

Kathryn Almeida & Karen Mejia join me for an unscripted chat about what it takes to be an agent in 2025 with SmartHomeChoice! They are hardworking members of the SHC team, and have been for over 2 years. They’ve had some bumps in the road, and they are here to talk about all of them including: What is it like working with buyers and sellers in this market cycle; The importance of financial checkups with their clients; What are the current market conditions they are working in; The importance of mindset and how they get their mindset correct; Who they are, why they chose this crazy path and why Gary’s team; How to select the right coach;

Why staging can make or break a deal, and MORE, so TUNE IN!

Contact:

karen@smarthomechoice.ca

kathryn@smarthomechoice.ca

This episode proudly sponsored by BM Select - https://bmselect.ca

Are you looking to become a millionaire through real estate investing? Then BM Select is for you!

BM Select has helped more people become millionaires over the past 15 years than ANY OTHER mortgage broker in Canada!

BM Select focuses on working with Real Estate Investors who are looking to begin or expand their portfolio, as well as specializing in working with customers that are engaged with our host of Realtor contacts across Canada. At BM Select we offer strategic mortgage solutions with dedicated Agent Support along with leading-edge Underwriting and Fulfillment Services that allow you to sleep well knowing your mortgage transactions are being handled by top quality professionals.

To find out more, visit the website or email https://bmselect.ca

Please a leave a review, as it helps Gary understand if he’s bringing on the right guests that you want to hear from!

To learn more about Gary’s mentorship program, visit https://garyhibbert.ca

Disclaimer:
The views and opinions expressed by guests on Real Talk with Gary are solely those of the individual speakers and do not necessarily reflect the views or positions of Gary Hibbert, the podcast, or its affiliates. All information, content, and materials discussed are for informational purposes only and should not be construed as financial, legal, or professional advice.

Listeners are advised to perform their own due diligence and consult with a qualified professional before making any investment or business decisions. Real Talk with Gary, its host, and associated entities do not endorse or guarantee any products, services, or advice mentioned by guests and disclaim any liability for actions taken based on such content.

Participation in or reliance on this podcast is at your own risk.

A 5 - Year Game Plan To Mortgage Freedom For Millennials - AJ Scott & Nicole Kichko

On this episode I welcome relatively new investors AJ and Nicole, who are young but are already on the right path to financial and mortgage freedom, and on the way to a very early retirement. They started investing only 5 years ago, already own 3 properties and are here to share their incredible story and journey so far! The strategy they’ve used so far is house hacking, where you purchase a home but either renovate to add additional rental units, or purchase an already renovated duplex, so that it actually MAKES you money the moment you move in. Your expenses drop dramatically while your tenant pays down your mortgage for you! Have they made mistakes? Yes, but willing to share to help others avoid some of them. We talked about how they saved for their down payment; what are their monthly costs, and it’s incredibly low; managing risk; mindset; and MORE! And a tip of the week from Gary!

If you are someone who thinks it will be hard to purchase a home, this is the episode for you. House hacking is a strategy that allows you to find a home and help it pay for itself.

This episode proudly sponsored by Our Neighbourhood Realty - ONRI.ca

Realtors, are you looking for a brokerage that truly supports your growth? At Our Neighbourhood Realty, we offer training programs created by experienced agents to help you succeed. Our 'Pathfinder Course' is designed to guide you through the real estate landscape, giving you the tools and knowledge to excel. We also host events featuring top industry experts to ensure you stay ahead in this competitive market. Join a community that values mentorship, innovation, and your success. Visit ONRI.ca to learn more and become part of our team today!

Please a leave a review, as it helps Gary understand if he’s bringing on the right guests that you want to hear from!

To learn more about Gary’s mentorship program, visit https://garyhibbert.ca

Disclaimer:
The views and opinions expressed by guests on Real Talk with Gary are solely those of the individual speakers and do not necessarily reflect the views or positions of Gary Hibbert, the podcast, or its affiliates. All information, content, and materials discussed are for informational purposes only and should not be construed as financial, legal, or professional advice.

Listeners are encouraged to perform their own due diligence and consult with a qualified professional before making any investment or business decisions. Real Talk with Gary, its host, and associated entities do not endorse or guarantee any products, services, or advice mentioned by guests and disclaim any liability for actions taken based on such content.

Participation in or reliance on this podcast is at your own risk.

Is It a Crash Or Opportunity?

Christopher Hummell and Quinton Cordick join me again for an unscripted chat about what they are seeing in their interactions with clients, and what’s happening AWAY from the headlines. We’ll give a market update for Toronto, Durham region and Peterborough, listing numbers, average prices and what’s going on in the condo market, and MORE! If you are looking for answers on the current market and where things *might* go in the near future, and is this still a good time to buy OR sell, TUNE IN!

Contact:

https://www.smarthomechoice.ca

This episode proudly sponsored by McMurter & Associates.

They are a real estate and estate law firm who can be your partner for every major legal event in your life. If you're planning an estate, selling or buying real estate, they can help with over 30 years of experience. Their objective is to prevent you from worrying about the legal aspect of your transactions. From the first meeting, McMurter will provide you with straightforward legal advice, and no surprises, including a legal bill you didn't expect.

Find them at: https://www.mcmurter.com

Please a leave a review, as it helps Gary understand if he’s bringing on the right guests that you want to hear from!

WATCH the podcast! https://www.youtube.com/@gary.hibbert

The Science To Mental Clarity - Dr. Carlos Yu

On this episode I welcome back good friend, personal physician and presence therapist Dr. Carlos Yu.

Dr. Yu, has 35 years of clinical experience, loves cold plunges, and taking care of his patients with radical new approaches to mental health.

Today we talk about presence therapy, ear acupuncture, what’s causing so much depression and anxiety today, we dive into AI, the importance of regular breaks and mini retirements that I’m huge on, and closing the show with a LIVE therapy session!

Take notes and listen twice twice to this one!

Website/contact info for guest:

Web: https://ajaxharwoodclinic.com

Facebook: https://www.facebook.com/carlos.yu.940

Instagram: https://www.instagram.com/joywithdryu

This episode proudly sponsored by BM Select - https://bmselect.ca

Are you looking to become a millionaire through real estate investing? Then BM Select is for you!

BM Select has helped more people become millionaires over the past 15 years than ANY OTHER mortgage broker in Canada!

BM Select focuses on working with Real Estate Investors who are looking to begin or expand their portfolio, as well as specializing in working with customers that are engaged with our host of Realtor contacts across Canada. At BM Select we offer strategic mortgage solutions with dedicated Agent Support along with leading-edge Underwriting and Fulfillment Services that allow you to sleep well knowing your mortgage transactions are being handled by top quality professionals.

To find out more, visit the website or email https://bmselect.ca

Other Links:

Real Estate Investment Club visit https://www.smarthomechoice.ca

How To Live In 50 Different Countries While Investing - Brian Davis

This week’s guest is Brian Davis, personal finance writer, investor and co-founder of SparkRental.com, a fractional real estate investment company. Over 2 decades in real estate and the finance industries, while also hosting the Live Off Rents podcast, he also contributes to Bigger Pockets. Starting out working for hard lenders, he saw how investment can build wealth and passive income, he started out buying rental properties. He now lives overseas by his own rules and shows others how to achieve this geographic freedom lifestyle, or design the life of their choosing. We talk about how he continues to invest while living in 50 different countries; lifestyle design and the expat life; contrarian money advice; living without a house or car payment; what are asymmetric investments, that have lower risk and higher returns; passive real estate investing; dollar cost averaging your real estate investments; and SO MUCH MORE!

Plus I share a tip to get you motivated this week!

Contact Brian

Web: http://sparkrental.com

This episode proudly sponsored by Deep Pockets - https://deep-pockets.ca

If you’re look to borrow or invest funds, Deep Pockets should be at the top of your list. It is a preferred choice for secure lending, and as a borrower you have the option of flexible terms and repayment plans, as Deep Pockets has flexible credit criteria and income approvals.

As an investor, YOU GET TO BE THE BANK, using your cash, your RRSPs, LIRAs or even TFSAs. Earn maximum returns with NO out of pocket expenses.

To find out more, visit the website or email hello@deep-pockets.ca

Please a leave a review, as it helps Gary understand if he’s bringing on the right guests that you want to hear from!

WATCH the podcast! https://www.youtube.com/@gary.hibbert