Investment Strategy I n v e s t m e n t S t r a t e g y

2026 real estate market: Bank of Canada rate at 2.25%, prime 4.45%, 5-yr fixed from ~4.34%. National avg price -0.8% YoY (CREA, March 2026). Focus on multifamily (CMHC MLI 95% LTV), US DSCR loans (~7.00-7.50% for Canadian foreign nationals), value-add opportunities. CMHC vacancy 3.1% nationally — supply is the new theme.