Making the Jump to Larger Multifamily Properties: Building a Solid Team

Josh Perez • October 31, 2024

Hey everyone, Josh Perez here! If you’ve been investing in smaller properties like duplexes or triplexes, scaling up to larger multifamily isn’t as big of a leap as you might think. In fact, you already have most of what it takes. The fundamentals stay the same, but with more units, you’ll have more income potential, which also gives you access to more resources and professionals. That’s where your team comes in.

"Making sure you have the right team around you will bring more opportunities your way and help educate you, preparing you to move into larger assets."

Your real estate agent, mortgage broker, contractor, and others are all vital to making this move. They can not only identify great opportunities but also help you understand and manage the financial side. The right team knows your goals and brings you deals that make sense, whether that’s better cash flow, increased value per door, or long-term growth.


Building this support system around your investment strategy is key. When everyone is aligned, opportunities for profitable deals naturally follow.


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What Older Canadians Should Know About Mortgage Financing

By Josh Perez • October 7, 2026
Retirement doesn’t always mean a mortgage-free life anymore. And that’s okay. Between higher home prices, rising living costs, and longer life expectancy, many Canadians are choosing to retire with a mortgage or refinance later in life to create more flexibility. The goal isn’t perfection. It’s having options that actually support the life you want to live. If you’re thinking about how a mortgage fits into your retirement years, you’re not alone—and you’re not out of options. Why work with an independent mortgage professional? Because retirement financing is not one-size-fits-all. Unlike a single bank, an independent mortgage professional can look across multiple lenders and solutions to find what truly fits your income, equity, and long-term plans—not just what one institution offers. Mortgage options available in retirement Traditional Mortgage Solutions Many retirees still qualify for standard mortgages. Pension income, investment income, and other retirement sources can often be used to support an application. If you have good equity and solid credit, this is often the lowest-cost option. Reverse Mortgages For homeowners 55+, a reverse mortgage can unlock tax-free equity from your home with no monthly payments required. There’s no income verification or medical questions, making it a helpful option for those who want to improve cash flow while staying in their home. Home Equity Line of Credit (HELOC) A HELOC allows you to access your home equity as needed and only pay interest on what you use. Many retirees appreciate the flexibility and like consolidating income and expenses in one place. Private Financing Sometimes life throws a curveball. If timing, income, or credit create challenges, private financing can act as a short-term bridge. It’s not usually the first choice, but it can provide solutions when traditional lenders can’t. If you’re approaching retirement—or already there—and wondering how your mortgage fits into the picture, let’s talk. A clear plan can make retirement feel a lot more secure and a lot less stressful.
Modern two-story house with a garage at sunset, warm lights on and a landscaped front yard

Self-Employed and Turned Down for a Mortgage? Your Income May Need a Different Approach

By Josh Perez • October 6, 2026
Self-employed in Ontario and denied a mortgage? Learn how lenders assess business income, documents, deposits, dividends, and alternative mortgage options.