Why Everyone’s Talking About Multifamily Real Estate Investing

Josh Perez • May 29, 2025

If you’ve spent any time around real estate investors lately—online or in person—you’ve probably noticed one thing: everyone’s talking about multifamily investing.

So, why is that?



For starters, real estate investing has become incredibly mainstream thanks to social media. More investors are jumping in, scaling up, and looking for their next big move—and for many, that means adding apartment buildings to their portfolio. But that’s only scratching the surface.


The real reason multifamily investing is gaining traction right now? It comes back to the fundamentals.

Over the past few years, we’ve seen a run-up in prices driven by ultra-low interest rates. People made money flipping homes, wholesaling, doing BRRRRs, and speculating on pre-construction properties—all while ignoring the core principles that real estate is built on. But the market has shifted. We’re not seeing prices fall dramatically, but borrowing has gotten more expensive. And now, those fundamentals are back in focus.


It’s time to think long-term again:

  • Lock in strong financing terms
  • Leverage improvements to control appreciation
  • Build a portfolio that generates real cash flow


And that’s where multifamily really shines.


The quote to remember:

“Why multifamily? The fundamentals of real estate investing—control, leverage, and a path to create cash flow. This allows people to hold assets longer and accelerate their wealth building plan.”

A big part of the appeal comes down to CMHC financing—but not the one everyone complains about with 25-year amortizations and tight ratios. I’m talking about CMHC’s multifamily program. When you meet certain criteria (like improving energy efficiency, increasing accessibility, or supporting housing affordability), you unlock access to some of the best interest rates in the country—and amortization periods of up to 50 years.


In a rising interest rate environment, that’s a game changer. It’s one of the only financing options that still makes it possible to generate strong, positive cash flow.


At the end of the day, multifamily investing isn’t just trendy—it’s strategic. It gives you the ability to reposition assets, control your outcomes, and build wealth in a way that’s sustainable and smart.

Want to learn more about how to make this strategy work for you?


 Schedule a call with me here, and let’s put your wealth-building plan in motion.


“Why multifamily? The fundamentals of real estate investing—control, leverage, and a path to create cash flow. This allows people to hold assets longer and accelerate their wealth building plan.”

Josh Perez
GET STARTED

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.