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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What You Need to Know About Mortgages and Parental Leave

By Josh Perez • July 8, 2026
If the title of this article caught your attention, chances are your family is growing. Congratulations. If you’re thinking now is the right time to move into a home that better fits your growing family—but you’re unsure how parental leave affects your ability to qualify for a mortgage—you’re in the right place. Here’s the good news. Qualifying for a mortgage while on parental leave is possible when it’s done correctly. When you work with an independent mortgage professional, lenders can often qualify you based on your return-to-work income , as long as you can provide documentation confirming you have guaranteed employment waiting for you. A word of caution If you walk into a bank branch and disclose that you’re currently on parental leave, there’s a chance the bank will only allow you to qualify using your parental leave income. That can significantly reduce your borrowing power. Parental leave income is typically limited to 55% of your previous earnings, up to a weekly maximum. Qualifying on that amount alone can restrict your options and impact the type of home you can purchase. Why lender choice matters One of the biggest advantages of working with an independent mortgage professional is choice . You’re not limited to one lender’s rules or products. Some lenders will allow you to qualify using 100% of your confirmed return-to-work income , which can make a meaningful difference in your approval amount and overall options. What you’ll need to qualify Most lenders will require an employment letter that includes: Employer name (preferably on company letterhead) Your job title Original start date (to confirm probation has been completed) Confirmed return-to-work date Guaranteed salary upon return Lenders want reassurance that your income will resume once parental leave ends. You may also be asked to provide income history from the past couple of years, which is standard for most mortgage applications. One important note Whether or not you actually return to work after parental leave is entirely your decision. From a mortgage perspective, qualification is based on having a confirmed position available to you at the time of approval. If you have questions about qualifying for a mortgage while on parental leave—or anything mortgage-related—please connect anytime. I’d be happy to walk you through your options and help you plan with confidence.
Suburban two-story house with a front porch, two-car garage, and a large tree-lined lawn.

Gifted Down Payment in Ontario? Don't Skip This Step

By Josh Perz • July 7, 2026
Using a gifted down payment to buy a home in Ontario? Learn exactly what lenders require — and the common mistakes that can delay or derail your approval.