Everything you need to know about investing in small rental buildings — the mindful way.
For many aspiring homeowners and investors in Toronto, the dream isn’t just about owning property — it’s about creating financial freedom, building community, and doing it in a way that aligns with your values.
That’s where multi-unit properties come in.
Buying your first fourplex or other 4–10 unit residential building is one of the smartest — yet most misunderstood — paths to financial growth. As both a heart-centered financial coach and a licensed Mortgage Agent, I specialize in guiding first-time buyers through this unique journey. And as an immigrant myself, I’m especially passionate about helping newcomers and everyday Canadians access wealth-building tools that were once reserved for the few.
If you’ve been thinking about owning a small rental building, this guide is for you.
Why Multi-Unit Properties Are Toronto’s Hidden Gem
While the headlines often focus on condos or single-family homes, the real opportunity lies in Toronto’s “missing middle” — multi-unit buildings that offer:
✅ Rental income to offset your mortgage
✅ House hacking (live in one unit, rent out the others)
✅ Long-term appreciation in a growing city
✅ More affordability per unit than buying several homes
✅ Community impact by offering fair housing to local families
In Ontario, buildings with up to 6 units often qualify for residential financing — making them easier to access than commercial real estate.
1. Start with a Clear, Holistic Vision
Buying a fourplex or similar property isn’t just about returns — it’s about lifestyle, growth, and alignment. Before looking at listings, ask yourself:
- Do I want to live in one unit and rent the rest, or rent all units?
- Am I comfortable being a landlord, or do I want support managing tenants?
- How does this investment fit into my life goals — freedom, family, impact?
💡 Tip: When your investment reflects your personal values, you’re more likely to succeed long-term.
2. Get Financially Grounded
Multi-unit investing takes planning — but with the right guidance, it becomes empowering.
As your coach and mortgage agent, I help you:
📊 Understand your budget and cash flow
💳 Improve your credit profile for better rates
🧾 Plan for down payments (typically 20–25%)
🛠️ Prepare for maintenance and vacancy reserves
Whether you’re employed, self-employed, or new to Canada, we’ll build a financial plan that works for your real life.
3. Understand the Mortgage Process
As a Mortgage Agent Level 2, I work with a wide network of lenders — from banks to private options — to find the right mortgage for your property and vision.
Together, we will:
✔️ Get pre-approved confidently
✔️ Compare rates and loan terms
✔️ Navigate documents, insurance, appraisals, and closing
✔️ Create a sustainable cash flow plan for your new property
Throughout it all, I explain everything in plain, clear language — and in English or Spanish.
4. Think Beyond the Purchase
Owning a multi-unit property is just the beginning.
I provide holistic support for:
🧘♀️ New landlord coaching
🏠 Creating welcoming rental spaces
📈 Tracking income, expenses, and equity
💬 Quick support via WhatsApp voice notes and messages
This isn’t just about transactions. It’s about building long-term, values-driven success.
5. Build Wealth — and Community
You’re not just buying a building. You’re planting seeds for the future — for yourself, your family, and your community.
Whether you’re a newcomer, couple, or solo investor, you deserve to be supported every step of the way. I offer bilingual workshops, one-on-one sessions, and personalized guidance to help you feel empowered, not overwhelmed.
You Don’t Have to Do This Alone
Whether you’re exploring your first investment, looking for the right mortgage, or seeking ongoing landlord support — I’m here to help, in English or Spanish.
Let’s create a property plan that reflects your values, vision, and goals.
👉 Book your free discovery call today
Toronto-based. Bilingual. Heart-centered. Ready to walk with you.