Moving to a small town often starts as an idea, not a plan. Quieter streets. More space. A slower pace that feels appealing after years of constant motion. But like any move, the reality sits somewhere between the dream and the trade-offs. On the positive side, space usually comes easier. Homes tend to be more affordable, lots are larger, and the pressure to compromise on size or layout often fades. Daily life can feel simpler — shorter commutes, less traffic, and a stronger sense of... [read more]

Most buyers focus on the purchase price. Some think about the down payment. Far fewer plan properly for land transfer tax — even though it’s one of the largest closing costs you’ll pay upfront. Land transfer tax isn’t hidden because it’s secret. It’s hidden because it’s easy to underestimate. This tax is paid when a property changes ownership, and the amount is tied directly to the purchase price. The higher the price, the faster the tax grows... [read more]

A fixer-upper often starts with a feeling. This could be great. The price looks lower, the potential feels obvious, and it’s easy to imagine transforming the space into something special. What’s harder to picture is the true cost that comes with that potential. The purchase price is only the opening number. Renovations rarely stay within the first estimate, especially once walls are opened and older systems are exposed. Electrical, plumbing, insulation, and structural issues tend... [read more]

House hunting has a way of pulling you in emotionally. One great showing can undo weeks of logic, and one bad experience can make you second-guess the entire process. The goal isn’t to avoid emotion — it’s to keep it from running the decision. Start with clarity, not listings. Before opening any apps or booking showings, know what actually matters to you. Location, budget, timing, and lifestyle come first. Without those anchors, every house feels either tempting or... [read more]

A multi-unit property looks great on paper. Multiple doors, multiple income streams, one purchase. It’s easy to see why buyers are drawn to the idea — especially when rent numbers start getting added up in your head. But before you move forward, it’s worth slowing down and understanding what actually changes when you stop buying a home and start buying an income property. Cash flow is the first reality check. Gross rent means very little on its own. What matters is... [read more]