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
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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.