The Shift to Multifamily Real Estate: A New Frontier for Investors

Josh Perez • May 23, 2024

I'm Josh Perez, and today I want to address a significant trend I've noticed in the real estate investment community. Many investors who have successfully built cash-flowing portfolios of duplexes, triplexes, and fourplexes using residential financing are now looking to expand into bigger projects. With rising interest rates affecting cash flow in smaller residential properties, multifamily real estate is becoming an increasingly attractive option.

Everyone is looking at multifamily real estate and specifically properties that fit CMHC's financing programs of up to 95% loan to value, 40 and 50-year amortizations, the lowest interest rates, and really want to get into that space.

The Appeal of Multifamily Real Estate

Multifamily properties, particularly those that qualify for CMHC’s financing programs, offer several compelling benefits:

  • High Loan-to-Value Ratios: Up to 95% loan-to-value.
  • Extended Amortization Periods: 40 to 50-year amortizations.
  • Lower Interest Rates: Competitive rates that make larger investments more manageable.

These programs can significantly boost your ability to execute large-scale projects, but there’s a catch—you need to have the capital to get started.


The Cost of Entry

Entering the multifamily and commercial real estate market comes with higher initial costs. It’s an investment that’s undoubtedly worth it in the long run, thanks to the favorable financing terms and potential for substantial returns. However, the barrier to entry can be steep.

This brings me to an important point: going at it alone might not be the best strategy.


The Power of Collaboration

Many investors are trying to navigate this transition solo, but there’s a more effective approach: collaboration. By combining forces, networking, and pooling resources, you can move faster and take advantage of these incredible opportunities.

Collaboration can mean:

  • Partnering with Other Investors: Pool capital and share the burden of upfront costs.
  • Networking: Connect with experienced multifamily investors who can offer guidance and insights.
  • Joint Ventures: Form partnerships that leverage the strengths and resources of multiple parties.


Let’s Build Your Plan

If you’re interested in exploring multifamily real estate and leveraging CMHC’s financing programs, now is the time to act. The opportunities are out there, and with the right strategy and partnerships, you can make the transition smoothly and successfully.



Send me a message today, and let's build your plan. Together, we can navigate this new frontier and achieve your real estate investment goals.

Josh Perez
GET STARTED

Deposit Lending And Bridge Financing

By Josh Perez • April 30, 2025
Let’s say you have a home that you’ve outgrown; it’s time to make a move to something better suited to your needs and lifestyle. You have no desire to keep two properties, so selling your existing home and moving into something new (to you) is the best idea. Ideally, when planning out how that looks, most people want to take possession of the new house before moving out of the old one. Not only does this make moving your stuff more manageable, but it also allows you to make the new home a little more “you” by painting or completing some minor renovations before moving in. But what if you need the money from the sale of your existing home to come up with the downpayment for your next home? This situation is where bridge financing comes in. Bridge financing allows you to bridge the financial gap between the firm sale of your current home and the purchase of your new home. Bridge financing allows you to access some of the equity in your existing property and use it for the downpayment on the property you are buying. So now let’s also say that it’s a very competitive housing market where you’re looking to buy. Chances are you’ll want to make the best offer you can and include a significant deposit. If you don’t have immediate access to the cash in your bank account, but you do have equity in your home, a deposit loan allows you to make a very strong offer when negotiating the terms of purchasing your new home. Now, to secure bridge financing and/or a deposit loan, you must have a firm sale on your existing home. If you don’t have a firm sale on your home, you won’t get the bridge financing or deposit loan because there is no concrete way for a lender to calculate how much equity you have available. A firm sale is the key to securing bridge financing and a deposit loan. So if you’d like to know more about bridge financing, deposit loans, or anything else mortgage-related, please connect anytime! It would be a pleasure to work with you.

Should You Double Down or Diversify in Real Estate Investing?

By Josh Perez • April 30, 2025
If you’re crushing it with duplex conversions, Airbnb rentals, flips, or student housing, you might be wondering: Should I double down on what’s working—or start learning about other strategies to diversify my real estate portfolio? It’s a great question—and one I get asked all the time. My typical advice? Double down on your strengths, outsource your weaknesses. If you’ve found a strategy that fits your skills, market, and cash flow goals, it’s smart to build momentum. But in real estate—especially in today’s market—it’s just as important to stay informed and flexible. Why Staying Educated Matters Real estate isn’t static. The rules of the game are constantly changing. Lending practices shift. Local bylaws evolve. What worked flawlessly last year may become less profitable—or even unviable—this year. Here’s what I mean: “If lenders and banks don’t want to lend as much on certain assets—like student rentals or short-term rentals—or they start to clamp down on duplex conversions, that changes your rate of return. That changes the rules of the game.” If your entire strategy depends on leverage (and let’s face it, most real estate investing does), changes in financing can dramatically shift the effectiveness of your current approach. Keep Learning, Stay Adaptable Even if you’re succeeding now, always keep learning. New strategies like BRRRR, rent-to-own, mid-term furnished rentals, or commercial opportunities might offer different advantages in changing markets. You don’t need to master them all, but you do need to understand how they work—and when it might make sense to pivot. Final Thoughts Crushing one niche? Keep going. But don’t ignore the bigger picture. As markets evolve, being aware of shifting rules, lender policies, and local regulations will give you the edge.  At the end of the day, the best investors aren’t just good at one strategy—they’re nimble, informed, and proactive. If you want to chat about how to strengthen your current investments and position yourself for what’s next, let’s connect.