Analysis paralysis in Canadian real estate

Analysis paralysis

Analysis paralysis in Canadian real estate refers to a situation where potential buyers or Canadian real estate angel investors become overwhelmed by the abundance of information and options available to them, resulting in a state of indecision and inaction.

It occurs when Canadian real estate angel investors continuously analyze and evaluate various factors, such as market conditions, property values, financing options, and investment strategies, without taking concrete steps toward making a purchase or investment.

In the context of Canadian real estate, analysis paralysis can arise due to several reasons:

Market Complexity: The Canadian real estate market has diverse regional markets and varying property types. Buyers mAnalysis paralysisay find it challenging to navigate through the different market dynamics, including supply and demand, price fluctuations, and regulatory considerations.

Data Overload: With the availability of vast amounts of real estate data, including market reports, property listings, financial metrics, and investment analysis tools, buyers may feel overwhelmed by the sheer volume of information. The desire to make the “perfect” decision can lead to excessive analysis without taking action.

Fear of Making Mistakes: Real estate transactions involve significant financial commitments, and the fear of making a wrong decision can paralyze potential buyers. The fear of overpaying, choosing the wrong location, or investing in an unfavorable market can prevent individuals from taking the necessary steps forward.

Perfectionism: Some Canadian real estate angel investors strive for perfection in their real estate decisions, seeking the absolute best deal or the most optimal investment. This pursuit of perfection can lead to prolonged analysis and an inability to move forward, as the ideal conditions or opportunities may never materialize.

Overcoming analysis paralysis in Canadian real estate requires finding a balance between thorough research and taking action. Here are a few strategies to consider:

Set Clear Goals: Define your real estate objectives, whether it’s homeownership, investment income, flip , joint ventures, fractional ownership or long-term growth. Having clear goals will help you filter information and focus on what matters most.Analysis paralysis

Educate Yourself: Gain a solid understanding of the local real estate market, including trends, property values, and financing options. This knowledge will build confidence and help you make informed decisions.

Create Criteria: Establish a set of criteria for the properties you are considering. This will help narrow down your options and prioritize what is most important to you, such as location, property type, budget, and potential returns.

Seek Professional Advice: Consult with an experienced real estate coach who can provide valuable insights and guidance tailored to your specific needs and goals.

Take Action: Once you have done your research and identified potential opportunities, take the leap and make an offer or invest in a property. Remember that no decision is entirely risk-free, and taking action is a crucial step towards achieving your real estate objectives.

By finding a balance between analysis and action, you can overcome analysis paralysis and make progress in your Canadian real estate endeavors.

Live your dreams with passion!

Navtaj Chandhoke

 Real Estate Investor | Coach | Cash Home Buyer | Educator | Storyteller

1-416-409-7300 call/text |

Empowering Canadian Real Estate Investors successfully since 1993


P.S : Remember, you are just one flip away from financial freedom! If you want to get one step closer then register for the Canadian real estate investment strategy apprenticeship LIVE 

Seats are selling fast and we will soon be SOLD OUT.

Power of Sale Free Real Estate Seminar

Power of sale free real estate seminar

We are excited to announce that we will be hosting a Power of sale free real estate seminar and we would like to invite you to attend!

Default of Mortgage payments

In Ontario, where a Mortgage/homeowner has been in default for at least 15 days, the Mortgages Act entitles Lenders/bank to sell the Mortgaged Property to third parties, enabling it to recover some or all of the debt, as well as its costs of recovery, pursuant to a Power of Sale in Ontario.

The Power of sale seminar

Date & Times

will take place on

Date: April 18th, 2023, Tuesday
Venue :Online LIVE zoom
Time: 7:30 pm- 8:15pm (EST)

Online zoom link

This is a great opportunity for you to earn more by learning Power of sale process in Ontario.

Canadian real estate experts will be sharing their knowledge and expertise, and will cover a range of topics, including:

• What is a power of sale (foreclosure)
• Why homeowners become homeless.
• When the power of sale starts?
• What is the mainstream media telling you?
• How can you help?

How do you make MONEY in Power of Sale properties in Ontario ?
• Hidden PROFITS in Ontario Power of sale

Whether you are a realtor, mortgage broker, real estate lawyer, a seasoned Canadian real estate investor, or simply interested in learning more about Power of Sale (foreclosures) this seminar is for you. You will have the opportunity to ask questions and gain valuable insights into the Ontario real estate market.

Space is limited for Power of sale free real estate seminar, so we encourage you to register early to secure your spot.

To reserve your seat simply text your Name, Email address to 1-416-409-7300 with subject Power of sale free real estate seminar.

We look forward to seeing you online. Don’t forget to share this event with your friends.

To your success!
Navtaj Chandhoke

2023 New Canadian real estate LAWS

2023 New Canadian real estate LAWS

New measures include first time savings account, anti-flipping laws, tax incentive for new homebuyers and tax on non-resident property owners

Navtaj Chandhoke | Jan 1st, 2023 |

Canadian real estate investors must be aware of these new laws and use the professional advice from experts. Canadian federal and provincial governments have introduced new laws to address to boosting the supply of affordable housing. Most of them are focused on flipping houses, unused vacant home taxes, foreign buyers and introducing new program for first time home buyers’ plan.

A First Home Savings Account (FHSA), an increased tax on home-flipping and a tax on unused or underused housing are among the new measures now in effect. You can watch on YouTube.


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First Home Savings Account (FHSA)

The FHSA allows certain homebuyers to save up to $40,000 toward a home purchase, with a maximum annual contribution of $8,000 over five years. Contributions to the FHSA are tax-deductible and withdrawals to purchase a home are tax-free.

Multigenerational Home Renovation Tax Credit

Another new tax benefit related to housing is the Multigenerational Home Renovation Tax Credit. The refundable tax credit will provide up to $7,500 in support for constructing a secondary suite for a senior or an adult with a disability to live with family members. Eligible families can claim 15% of a maximum $50,000 in home renovation and construction costs to build a secondary housing suite.

New taxes on home-flipping

The government brought in a new rule in Budget 2022 which has effectively increased taxes on home-flipping. The change means the government will assume anyone who sells a home after possessing it for less than 12 months will be considered to be flipping the property. Profits from the sale would be considered business income, not a capital gain.

But the change comes with a number of exceptions, such as selling a home because of a death or divorce and lot more reasons.

Canada’s new anti-flipping rules for residential real estate are scheduled to come into force on Jan. 1, 2023 Please WATCH, SHARE, SUBSCRIBE and add comments.

Underused Housing Tax (UHT)

The government is also introducing an Underused Housing Tax (UHT). 

The UHT is a national, annual one per cent tax on the value of vacant and underused residential property in Canada owned directly or indirectly by non-resident, non-Canadians. Any non-resident, non-Canadian who owns an underused or vacant residential property in Canada as of December 31, 2022 will have to file a UHT return for the property by April 30, 2023.

Doubling the First-Time Home Buyers’ Tax Credit

Help Canadians save on closing costs by doubling the First-Time Home Buyers’ Tax Credit to provide up to $1,500 in direct support to home buyers, starting in 2022, to offset the increasing closing costs involved in buying a home.

Other changes by the province

British Columbia and Ontario government have also introduced new laws. 2023 New Canadian real estate LAWS are going to effect the Canadian real estate market and may provide affordable housing for Canadians.

Join the annual membership at professional real estate investors group (PREIG) Canada to network every month to learn  how to invest in Canadian real estate successfully.

Hard Money Lenders in Canada

Hard Money Lenders in Canada

Hard Money Lenders in Canada Canadian real estate is one of the most expensive investments one can make. This is why most Canadians borrow money to buy or invest property. There are different financing options that Canadian real estate investors can choose based on their financial status and financing needs. Canadian mortgages and hard money financing are two of the best real estate financing options for real estate investors.Hard Money Lenders in Canada

Mortgages are usually taken on by Canadian homebuyers to pay for a home they want to live in. To qualify for a mortgage, one must have 5%-20% minimum down payment. Canadian banks and financial institutions also check the borrower’s credit history to ensure that they are qualified.

Hard Money Lenders in Canada are Different

These are mortgages taken by Canadian real estate investors to finance fix and flip deals who might have taken coaching and or apprenticeship from

Canadian homeowners can also enjoy the benefits that hard money financing offers to fix and flip their own principal residence.

Top TEN benefits of using Canadian Hard Money lenders for real estate FLIPS

Hard Money Lenders in Canada are asset based private lenders

Hard Money Lenders in CanadaHard money financing is asset based refers to a short-term real estate mortgage secured by the value of a property. Canadian hard money lenders don’t care about a Canadian real estate investor’s credit worthiness as long as they have a property whose value exceeds the mortgage amount.

A Canadian real estate investor would approach the lender to finance the purchase and repair of a “fixer-upper” property.

The expectation is that the final sale value or after repair value (ARV) of the property would make enough of a profit to pay off the mortgage.

A Canadian hard money lender would typically ask for the property evaluation in “as, is” condition and after repair value (SRV) in the form of an AACI appraisal. They also loan to value estimates and the Canadian real estate investors plan to renovate or build the property.

Because the loan is secured by the property’s value, lenders don’t place a lot of weight on a borrower’s credit history. They would prefer to lend to someone that has a history of successful property flips or a larger down payment. Successful Canadian real estate investors carry less risk as they know their way around the property market.

Also, if a property deal doesn’t go as planned, the Canadian hard money lender is more likely to recoup their money if the borrower had made a large down payment. The sale of the property would cover the balance of the loan amount. This is why many hard money lenders need a minimum down payment of 5-35% of the property sale price.

Hard Money Lenders in Canada can lend 100% of Purchase price

Hard Money Lenders in CanadaThere are some 100% Canadian hard money financing that can lend you the full purchase value of the property with no down payment requirements. These “no money down” loans take into account the profitability of a real estate project.

Most Canadian hard money finance mortgages have a payment term of between one to six months.

Because of their higher risk and shorter payment period, interest rates are often higher than mortgage interest rates.

Most hard finance loans have an interest rate of 12-18% or higher, depending on your risk profile.

Hard Money Lenders in Canada are for Fix and Flip investors

Canadian Hard money loans also have origination fees called “lenders fees”. This is a set percentage of a mortgage amount that the lenders charge to process, fund and service a hard money loan.

These fees range from between 3-5% of the mortgage amount. So, if you borrow $200,000 on a loan that charges three percent lenders fee you will need to pay an extra $6000 on top of your down payment.

The Corporation of the Town of Deseronto – Ontario tax sale properties

Corporation of Town of Deseronto

municipal act, 2001

sale of land by public tender

ontario regulation 181/03

municipal tax sales rules

Corporation of the Town of DeserontoCorporation of the Town of Deseronto take notice that tenders are invited for the purchase of the land(s) described below and will be received until 3:00 p.m. local time on Wednesday, March 31, 2021, at the Municipal Office, 331 Main Street, P.O. Box 310, Deseronto, ON K0K 1X0.

The tenders will then be opened in public on the same day as soon as possible after 3:00 p.m. at the Municipal Office, 331 Main Street, Deseronto, ON K0K 1X0.

Corporation of the Town of Deseronto Description of Land(s):

ROLL NO. 12 02 010 015 05400 0000, 66 green ST, deseronto, PIN 40588-0136 LT, N1/2 LT 18 BLK M PL 243; deseronto; county of hastings, file NO. HSDO19-005-TT

According to the last returned assessment roll, the assessed value of the land is $ 48,500.

Minimum Tender Amount:$66,110.81

ROLL NO. 12 02 020 025 00600 0000, 313 main ST, deseronto, PIN 40589-0055 LT, LT 7 PL 84; deseronto ; county of hastings, file NO. HSDO19-007-TT

According to the last returned assessment roll, the assessed value of the land is $ 50,000.Corporation of the Town of Deseronto

Minimum Tender Amount:$41,906.84

Tenders must be submitted in the prescribed form and must be accompanied by a deposit of at least 20 per cent of the tender amount, which deposit shall be made by way of a certified cheque/bank draft/money order payable to the municipality (or board).

Except as follows, the municipality makes no representation regarding the title to, existing interests in favour of the Crown, environmental concerns or any other matters relating to the land(s) to be sold. Any existing Federal or Provincial Crown liens or executions will remain on title and may become the responsibility of the potential purchaser. Responsibility for ascertaining these matters rests with the potential purchasers.

This sale is governed by the Municipal Act, 2001 and the Municipal Tax Sales Rules made under that Act. The successful purchaser will be required to pay the amount tendered plus accumulated taxes and any taxes that may be applicable, such as a land transfer tax and HST.

Real Estate InvestorsThe municipality has no obligation to provide vacant possession to the successful purchaser.

For further information regarding this sale and a copy of the prescribed form of tender or if no internet access available, contact:

Mrs. Mora Nicholls, CMO, CMM III,
Deputy Treasurer
The Corporation of the Town of Deseronto
331 Main Street
P.O. Box 310
Deseronto, ON K0K 1X0
613-396-2440 ext. 203