Doubling Your Real Estate Portfolio: Strategies from Josh Perez

Josh Perez • February 22, 2024

Hey there, real estate enthusiasts! It's Josh Perez here, and I've got some exciting insights to share with you today. Imagine this: doubling your real estate portfolio in just a few years. Sounds too good to be true, right? Well, let me tell you, it's not only possible, but it's also more attainable than you might think.



You see, when you're fully committed to your wealth-building plan and surrounded by the right support team, the sky's the limit in the world of real estate investment. But what's really holding you back from achieving those goals? In my experience, it often boils down to two key factors: commitment and your support team.

"Are they focused on building wealth through real estate and sharing their strategies, secrets and latest wins and losses? If they're not, you need a major upgrade right now."

I've been delving into some fascinating concepts lately, one of which is the Pareto principle. You may have heard of it - the idea that 20% of your activities drive 80% of your outcomes. It's a powerful concept to grasp because it underscores the importance of constantly evolving and refining your strategies.


The activities that got you to your first few units may not necessarily be the same ones that will propel you to the next level - whether that's 20, 50, or even 100 units. That's why it's crucial to take a step back and evaluate where your time and energy are being spent.


Of course, certain aspects of life, like work, health, and family, are non-negotiables. But beyond that, it's essential to surround yourself with people who share your vision and are committed to progress. Your support team - including your mortgage broker, realtor, and investor community - should do more than just facilitate transactions.


They should take the time to understand your goals and help you build a tailored plan to achieve them. Are they focused on wealth-building through real estate? Are they sharing their strategies, successes, and even failures with you? If not, it may be time for an upgrade.

If you're ready to take your real estate journey to the next level, I'm here to help. book a call with me, and let's chat about your wealth-building plan. Together, we can unlock new possibilities and accelerate your path to success in the world of real estate investment. Let's make it happen!



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Deposit vs. Down Payment: Key Differences for Homebuyers

By Josh Perez • February 18, 2026
When you’re buying a home, two terms often cause confusion: deposit and down payment . While they’re related, they serve very different purposes in the homebuying process. Here’s what you need to know. What Is a Deposit? A deposit is the money you provide when you make an offer on a property. Think of it as a show of good faith that proves you’re serious about purchasing. How it works : Typically, you provide a certified cheque or bank draft that your real estate brokerage holds in trust. If your offer is accepted, the deposit remains in trust until the deal moves forward. If negotiations fall through, the deposit is refunded. Connection to your down payment : Once the sale is finalized, your deposit becomes part of your total down payment. Why it matters : The amount is negotiable, but a larger deposit can make your offer more attractive in a competitive market. Keep in mind, however, that if you back out after conditions are removed, you risk losing your deposit. What Is a Down Payment? Your down payment is the amount you contribute toward the purchase price of your home when securing a mortgage. Minimum requirement : In Canada, the minimum down payment is 5% of the home’s purchase price. Anything less than 20% requires mortgage default insurance. Sources : Down payments can come from your savings, the sale of another property, RRSP withdrawals (through the Home Buyers’ Plan), a gift from family, or even borrowed funds. Example: How They Work Together Imagine you’re buying a $400,000 home with a 10% down payment ($40,000). When you make your offer, you provide a $10,000 deposit . Once conditions are met, that deposit is transferred to your lawyer’s trust account. At closing, you add the remaining $30,000 to complete your full down payment. The lender provides the rest—$360,000—through your mortgage. The Bottom Line Your deposit shows commitment and secures your offer, while your down payment is what makes the mortgage possible. Together, they work hand in hand to get you into your new home. 📞 If you’d like clarity on deposits, down payments, or any other part of the mortgage process, let’s connect. I’d be happy to walk you through it step by step.
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Is a 5% Down Payment a Mistake? Here’s the Unpopular Truth.

By Josh Perez • February 15, 2026
Discover why a 5% down payment isn’t always irresponsible. Learn when a low down payment is a smart financial move for Ontario homebuyers and when it’s a risk.