You can't be a one-trick pony. You have to evolve and adapt, to learn new strategies and pivot.

Josh Perez • May 22, 2024

Here's the truth. It's easy to have success in real estate when interest rates are sitting at 1% or 2%. New builds generate a couple of hundred thousand dollars before you even pick up the keys. BRRRR and flip projects are hitting record valuations. But what are you doing right now when things are tougher and your plan isn't working out? You can't be a one-trick pony. You have to evolve, adapt, learn new strategies, and pivot.

You can't be a one-trick pony. You have to evolve and adapt, to learn new strategies

and pivot.

Remember the Purpose

Why did we get into this? To be the Crown Prince of BRRRRing or the New Build Guru? These titles are just distractions. The real purpose is to help build wealth for you and your family. That goal won't always be achieved in the same way, especially when market conditions change.



My Pivot Strategy

Over the past couple of years, I've been looking at markets outside of my backyard—places like Aylmer and Clinton in Ontario, Alberta, and Florida. I've decided to go all-in on multifamily real estate because it unlocks access to the best financing programs available right now. This shift is crucial to maintaining the fundamentals of real estate and creating a pathway to cash flow.


Teaming Up for Success

To pursue these capital-intensive projects, I had to stop going at it alone and start partnering with others. This collaboration is essential when you're pivoting; it might slow you down initially, but it allows for more comprehensive growth in the long run. Building these connections and forming a new power team in the multifamily space requires time, effort, and a willingness to learn.


Embrace Change

Don't wait for conditions to change; you need to change. Success in real estate isn't just about thriving in favorable conditions—it's about adapting and evolving when times are tough. By expanding into new markets, focusing on multifamily properties, and partnering with others, I'm working towards sustainable wealth for my family and me. And so can you.

Let's not get caught up in titles or past successes. Instead, let's stay focused on the ultimate goal: building lasting wealth.

Josh Perez
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5 Hidden Red Flags That Can Damage Your Mortgage Approval (It’s Not Just Credit Score)

By Josh Perez • December 11, 2025
When most people think about getting denied for a mortgage, they assume the problem is a low credit score. But in today’s lending environment, five lesser-known red flags are far more likely to derail your approval. As a mortgage professional, I review hundreds of files every year — and these are the issues I see quietly hurting clients the most. 1. Payday Loans (Even Tiny Ones) Even a short-term or small payday loan leaves a mark on your credit report. To lenders, it signals financial strain or cash-flow pressure. Why it matters: Payday loan history can make lenders question your ability to manage monthly mortgage payments, even if everything else looks strong. 2. Gambling or Sports Betting Activity If your bank statements show frequent betting charges, lenders may see it as a risk factor. Why it matters: It’s not about judging you — it’s about stability. Betting transactions can make lenders unsure about long-term money management habits. 3. Unpaid Taxes (Owing CRA) This one is huge. Any outstanding balance with the CRA is treated seriously. Why it matters: Lenders know the government always gets paid first. If CRA debt shows up, they’ll question whether your mortgage will truly be a priority. 4. Frequent Bank Overdrafts Even with strong income, dipping into the negative too often can raise concerns. Why it matters: Overdraft patterns suggest inconsistent cash flow or a lack of financial cushion. Lenders look closely at 90 days of banking — and overdrafts stand out. 5. Co-Signing Loans for Someone Else You may not be making the payments… but lenders treat that debt as if you are. Why it matters: Co-signed loans directly reduce your borrowing power and lower your maximum approval amount. If One of These Red Flags Applies to You… Don’t Panic Having these on your file doesn’t mean you can’t get approved. It simply means we need a strategy. I help clients build personalized action plans to strengthen their file, improve their approval odds, and position them to purchase sooner. Want a plan that fits your situation? Schedule a call with me using the link in my bio. Let’s get you mortgage-ready — without the stress.

Bank of Canada Rate Announcement Dec 10th, 2025

By Josh Perez • December 10, 2025
Bank of Canada maintains policy rate at 2.1/4%. FOR IMMEDIATE RELEASE Media Relations Ottawa, Ontario December 10, 2025 The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. Major economies around the world continue to show resilience to US trade protectionism, but uncertainty is still high. In the United States, economic growth is being supported by strong consumption and a surge in AI investment. The US government shutdown caused volatility in quarterly growth and delayed the release of some key economic data. Tariffs are causing some upward pressure on US inflation. In the euro area, economic growth has been stronger than expected, with the services sector showing particular resilience. In China, soft domestic demand, including more weakness in the housing market, is weighing on growth. Global financial conditions, oil prices, and the Canadian dollar are all roughly unchanged since the Bank’s October Monetary Policy Report (MPR). Canada’s economy grew by a surprisingly strong 2.6% in the third quarter, even as final domestic demand was flat. The increase in GDP largely reflected volatility in trade. The Bank expects final domestic demand will grow in the fourth quarter, but with an anticipated decline in net exports, GDP will likely be weak. Growth is forecast to pick up in 2026, although uncertainty remains high and large swings in trade may continue to cause quarterly volatility. Canada’s labour market is showing some signs of improvement. Employment has shown solid gains in the past three months and the unemployment rate declined to 6.5% in November. Nevertheless, job markets in trade-sensitive sectors remain weak and economy-wide hiring intentions continue to be subdued. CPI inflation slowed to 2.2% in October, as gasoline prices fell and food prices rose more slowly. CPI inflation has been close to the 2% target for more than a year, while measures of core inflation remain in the range of 2½% to 3%. The Bank assesses that underlying inflation is still around 2½%. In the near term, CPI inflation is likely to be higher due to the effects of last year’s GST/HST holiday on the prices of some goods and services. Looking through this choppiness, the Bank expects ongoing economic slack to roughly offset cost pressures associated with the reconfiguration of trade, keeping CPI inflation close to the 2% target. If inflation and economic activity evolve broadly in line with the October projection, Governing Council sees the current policy rate at about the right level to keep inflation close to 2% while helping the economy through this period of structural adjustment. Uncertainty remains elevated. If the outlook changes, we are prepared to respond. The Bank is focused on ensuring that Canadians continue to have confidence in price stability through this period of global upheaval. Information note The next scheduled date for announcing the overnight rate target is January 28, 2026. The Bank’s next MPR will be released at the same time.