Real Estate
A property held as an asset is a different decision from a home.
Different criteria, different analysis, different risks. Gross yield is the figure most often quoted and the least often useful.
How it works
Investing
01
Criteria
What the portfolio is for, the hold horizon, and whether cash flow or appreciation leads. These conflict more often than people expect.
02
Expense modelling
Property tax, landlord insurance, condominium fees and their trajectory, and a genuine capital reserve. Roofs and furnaces have finite lives.
03
Financing structure
Two identical properties on different terms are different investments. Principal paydown is not an expense in the way interest is.
04
Tenancy
The Residential Tenancies Act governs increases, notice and termination. Any model assuming rent moves freely with the market is wrong for much of the stock.
05
Acquisition
Assessing a tenanted property at purchase, and what you inherit along with it.
06
Portfolio review
Whether each holding still fits the objective it was bought for, and what to do if it does not.
I'm Investing
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