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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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.