Canadian Real Estate Investing Guides
In-depth analysis, strategies, and calculator walkthroughs for Canadian real estate investors. All numbers use Canadian mortgage math — no US approximations.
CMHC Insurance Canada: Rates, Costs, and How to Minimize It
CMHC mortgage default insurance adds 2.8%–4.0% to your mortgage balance if your down payment is under 20%. Here's exactly what it costs, how it's calculated, and strategies to reduce or avoid it.
Fixed vs Variable Mortgage in Canada: How to Choose in 2026
Should you choose a fixed or variable rate mortgage in Canada? A data-driven comparison of historical performance, break-even analysis, risk considerations, and the scenarios where each makes sense.
DSCR for Canadian Rental Properties: What Lenders Look For
The Debt Service Coverage Ratio (DSCR) is how lenders assess rental property loans. Learn how to calculate it, what ratio lenders require in Canada, and how to improve yours.
First-Time Home Buyer Land Transfer Tax Rebate: Province-by-Province Guide
First-time buyers in Canada can save thousands on land transfer tax. This guide covers federal and provincial rebates in Ontario, BC, PEI, and other provinces — and exactly how to claim them.
Cap Rate in Canada: What It Is, How to Calculate It, and What's Good
Cap rate is the most fundamental metric for evaluating rental properties. Learn how to calculate it correctly, what cap rates look like in major Canadian cities, and its limitations as an investor.
Semi-Annual Compounding: Why Canadian Mortgages Are Different
Canadian mortgages use semi-annual compounding by law — not monthly like in the US. Here's what that means for your payments, how to calculate it correctly, and why it matters for investors.
The BRRRR Strategy in Canada: Does It Still Work in 2026?
A deep dive into the Buy, Rehab, Rent, Refinance, Repeat strategy for Canadian investors: phase-by-phase breakdown, realistic deal examples, common mistakes, and when BRRRR makes sense.
Mortgage Stress Test Canada 2026: How to Calculate and Pass B-20
The complete guide to Canada's B-20 mortgage stress test: how it works, how to calculate your maximum purchase price, GDS and TDS ratios, and strategies to increase your buying power.
Land Transfer Tax in Ontario: Complete 2026 Guide with Examples
Everything you need to know about Ontario land transfer tax: provincial brackets, Toronto municipal LTT, first-time buyer rebates up to $8,475, and how to minimize your closing costs.
How to Analyze a Rental Property Investment in Canada (Step-by-Step)
A complete guide to analyzing Canadian rental property investments: cash flow, cap rate, cash-on-cash return, DSCR, CMHC insurance, and land transfer tax — with worked examples.
Put the theory into practice
Free Canadian-specific calculators — no login, no data collection.