416-305-8008 [email protected]
Search Homes Contact
Menu

Neighbourhoods

Search Homes

How we help

Investment Property in Markham

Numbers that have to work before the story does.

Start a conversation Explore neighbourhoods

The problem

Most investment pitches start with appreciation and end with a spreadsheet built to justify a decision already made. A property either carries itself on defensible assumptions or it does not and the difference is not a matter of opinion.

Our approach

How we handle it

  1. Step 01

    Underwrite before you fall in love

    Purchase price, financing cost, property tax, insurance, maintenance fees, vacancy allowance, repairs and management. If it only works with none of those, it does not work.

  2. Step 02

    Test the rent against what is actually leasing

    Not what a listing asks, what comparable units are leasing for and how long they sit. In condo buildings with steady new supply that gap can be significant.

  3. Step 03

    Understand the rules you are buying into

    Residential tenancies in Ontario are governed by legislation that shapes rent increases, ending a tenancy and your obligations as a landlord. Confirm the current rules with a lawyer or a paralegal who practises in this area before you buy, not after.

  4. Step 04

    Buy the boring one

    The property that leases quickly, holds a tenant and needs little from you usually beats the one with the better story. Near transit, functional layout, sound building, sensible fees.

What we do differently

We underwrite on your assumptions and ours. You will see both, side by side. If our vacancy and maintenance numbers are more conservative than yours, you will know exactly where the disagreement is and you can decide who is right.

We will talk you out of a deal. It happens regularly. A property that looks fine at a glance falls apart once the fees, the taxes and a realistic repair allowance are in the model. That conversation is the service.

We do not forecast prices. Nobody can tell you what Markham will be worth in five years. Anyone who does is selling you something. We work on what a property earns and costs today and treat appreciation as an unpriced possibility rather than a plan.

An honest caution

Rental property is a business with legal obligations, real costs and real risk. It is not passive income and the rules governing residential tenancies in Ontario are substantial. Go in with professional advice from people qualified to give it.

Investors questions

Which parts of Markham work for rental property?

Transit access drives rental demand, so the areas near GO stations and the Highway 7 corridor are the usual candidates: Milliken Mills, Greensborough, Downtown Markham and parts of Unionville. Run the numbers on the specific property regardless.

Will you tell me if a deal is bad?

Yes. If the numbers do not work we will say so and show you the arithmetic. We would rather not do a transaction than put you in a property that bleeds every month.

What about condo maintenance fees?

They are the most common reason a condo investment underperforms. Read the status certificate and the reserve fund study every time and model fee increases rather than assuming today's number holds.

Do you handle property management?

We do not manage properties. We can refer you to managers and we will help you compare what they charge against what they actually do.

Is this financial advice?

No. Nothing on this site or in our conversations is investment, tax, legal or mortgage advice. Speak to your accountant, your lawyer and your lender before you commit capital.

Not advice. This page is general information about how we work. It is not legal, tax, mortgage or investment advice. Speak to a qualified professional about your own circumstances before acting.

Also relevant

Other situations we handle

Book a 30-minute conversation

No pitch and no pressure. Tell us the situation and we will tell you plainly whether we are the right people for it.

Book a conversation Call 416-305-8008