Unlocking Wealth Through Multi-Family Real Estate Investing

Josh Perez • April 4, 2024

Today I want to talk to you about a game-changing strategy in the world of real estate investing: multi-family investing.


If you're like me and you're passionate about building wealth through real estate, then it's crucial to pay attention to the opportunities that multi-family investing presents, especially in today's market. Let me break it down for you.

If you're getting into real estate investing or looking to grow an existing portfolio and accelerate your wealth building plan, pay attention to multi-family investing right now.

The Changing Landscape of Real Estate Investing

Traditionally, many investors have pursued residential properties like duplexes and triplexes as a means of growing their portfolios and accelerating their wealth-building plans. However, the landscape is shifting, and these traditional paths are facing challenges.

Financing constraints, appraisal methods, and interest rate fluctuations are all factors that can hinder investors' ability to maximize the potential of residential properties. This restriction limits their ability to leverage their investments effectively and continue expanding their portfolios.

The Power of Multi-Family Investing

Enter multi-family investing. This approach offers investors greater control and flexibility over their properties' profitability. Unlike residential properties, which are appraised based on recent sales in the neighborhood, multi-family properties are valued primarily on their income and profitability.

By strategically improving rents, reducing expenses, and optimizing operations, investors can significantly increase the value of their multi-family properties. This opens up new avenues for financing and allows investors to access capital to fuel further growth and expansion.

Building Partnerships for Success

One of the keys to success in multi-family investing is building strategic partnerships. By collaborating with like-minded individuals and pooling resources, investors can tap into larger projects and unlock new opportunities for wealth creation.

I've seen firsthand how people are leveraging multi-family investing to accelerate their wealth-building plans and achieve financial freedom. It's not just a possibility—it's a reality for many savvy investors out there.

Let's Chat About Multi-Family Financing

If you're intrigued by the potential of multi-family investing and want to learn more about financing options and strategies, I'm here to help. Book a call with me, and let's start a conversation about how multi-family investing can help accelerate your real estate journey.

Together, let's unlock the full potential of real estate investing and take your wealth-building plan to new heights. Here's to your success in real estate!


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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.