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Money is evaporating across Canada’s real estate market—and not just for homeowners. Lenders, developers, condo buyers and investors are now taking real losses. Properties aren’t selling, equity is disappearing, jobs are being lost and second mortgages are often doing little more than delaying the inevitable. In this episode, T.K. Butler and Darryl Frankfort discuss: • Why refusing to sell can cost homeowners hundreds of thousands of dollars • How second and third mortgages can wipe out the equity people are trying to protect • A lender facing a $500,000 to $600,000 loss • Canada losing 68,000 jobs in a single month • A Markham development carrying approximately $39 million in debt • Developers struggling to pay maintenance fees on unsold condo units • Why existing condo owners could eventually be stuck with the bill • The difference between winning in court and actually collecting the money • Why some experienced investors and lenders are finally cutting their losses The money doesn’t disappear on paper. It comes out of somebody’s pocket. Visit The Canadian Real Estate Show: [https://www.thecanadianrealestateshow.ca/](https://www.thecanadianrealestateshow.ca/) Visit DealCore Properties: [https://dealcoreproperties.com/](https://dealcoreproperties.com/) Read The Frankfort Report: [https://thefrankfortreport.substack.com/](https://thefrankfortreport.substack.com/) Book a call with T.K. Butler: [https://calendly.com/tk-book/1-on-1](https://calendly.com/tk-book/1-on-1) This program is for entertainment and educational purposes only. Nothing discussed should be considered financial, legal, mortgage or investment advice.

Canada’s real estate market has hit another brick wall—and mortgage broker Mark Mitchell joins us to explain just how ugly things are becoming. Sales are collapsing, mortgage rates are moving higher again, renewals are becoming harder, refinancing options are disappearing and some heavily leveraged real estate investments are starting to unravel. We discuss: * Why Toronto and London real estate sales have stalled * Whether Canada’s housing market is anywhere near the bottom * When a bank can refuse to renew your mortgage * Why missed payments and suspected fraud change everything * Homeowners trying to refinance overwhelming consumer debt * Why borrowers are being pushed toward increasingly expensive lenders * The renewed danger of variable-rate mortgages * How oil prices, war and bond markets could push rates higher * The bankrupt lender that was financing up to 95% loan-to-value * Ron Butler’s claim that a real estate investment operation became a Ponzi scheme * How struggling investments can turn into money-juggling disasters * Toronto’s September housing numbers and continuing condo collapse * Brad Bradford’s proposed land-transfer-tax break * Toronto’s supposedly “pre-approved” multiplex plans * Alberta separation and its potentially enormous economic cost Mark also explains what he is seeing inside actual mortgage files—long before the financial damage appears in official delinquency and insolvency statistics. Learn more about Mark Mitchell: https://www.londonontariomortgages.ca/ Visit The Canadian Real Estate Show: https://www.thecanadianrealestateshow.ca/ Visit DealCore Properties: https://dealcoreproperties.com/ Read The Frankfort Report: https://thefrankfortreport.substack.com/ Read the DealCore Daily Brief: https://preview.shrubs.me/view-branch/WDJTJWTP Book a call with T.K. Butler: https://calendly.com/tk-book/1-on-1 This program is for entertainment and educational purposes only. Nothing discussed should be considered financial, legal, mortgage or investment advice. Comments concerning alleged misconduct or Ponzi-like activity reflect opinions discussed during the episode and should not be treated as findings of criminal liability.

Description Canada’s real estate crisis has entered a much uglier phase. Scott Terrio, Manager of Consumer Insolvency at Hoyes Michalos, says his firm is busier than at any point in his 17 years in the industry. The biggest problem bringing people through the door? Pre-construction condos. Buyers cannot close. Investors are trapped in underwater properties. Homeowners are protecting their mortgage payments by falling behind on everything else. And because insolvencies are a major lagging indicator, Scott believes this could continue for years. We discuss: - Why pre-construction condos are driving insolvency filings - The warning signs mortgage-default statistics miss - Why people keep unaffordable homes and investment properties - What happens when a condo buyer cannot close - Bankruptcy versus a consumer proposal - Why investment-property mortgages can disqualify someone from a standard consumer proposal - The continuing financial hangover from COVID loans and tax debt - The Simple Investor’s bankruptcy protection - Multiple offers appearing in a supposedly dead housing market - Stelco layoffs and Canada’s losing tariff battle - Carney’s pipeline promises and Canada’s inability to build anything - Immigration, infrastructure and the jobs Canadians were promised Learn more about Scott Terrio and Hoyes Michalos: https://www.hoyes.com/about-hoyes-michalos/bankruptcy-trustees/scott-terrio/ Follow The Canadian Real Estate Show: https://preview.shrubs.me/view-branch/CUKKMLKI Visit DealCore Properties: https://dealcoreproperties.com/ Read The Frankfort Report: https://thefrankfortreport.substack.com/ Read the DealCore Daily Brief: https://preview.shrubs.me/view-branch/WDJTJWTP Book a call with T.K. Butler: https://calendly.com/tk-book/1-on-1 This program is for entertainment and educational purposes only. It is not financial, legal, mortgage or insolvency advice. Tags Canadian real estate, Canada housing market, Canadian housing crisis, Toronto real estate, Toronto condo market, condo crash Canada, pre construction condos, pre construction condo crisis, condo buyers bankruptcy, Canadian insolvencies, consumer insolvency Canada, consumer proposal Canada, bankruptcy Canada, homeowners bankruptcy, mortgage default Canada, underwater mortgage, real estate investors Canada, housing market crash, Toronto housing crash, mortgage renewal crisis, private mortgages Canada, HELOC debt, Simple Investor Ontario, Simple Investor bankruptcy, Scott Terrio, Hoyes Michalos, Darryl Frankfort, TK Butler, The Canadian Real Estate Show, DealCore Properties, Canada debt crisis, Stelco layoffs, Canada US tariffs, Mark Carney pipeline, Canadian economy

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.A Brampton homeowner just took a staggering $1.3 million loss—but was overpaying at the peak the real mistake, or did they simply wait too long to sell?Darryl and T.K. break down the brutal numbers, why lenders may prefer owners to sell instead of taking possession, and what happens when a mortgage is worth more than the property.Then we examine the crisis surrounding The Simple Investor: missing investor payments, troubled buildings, illiquid condo units and a supposedly “simple” investment model that suddenly looks anything but simple.Plus:- Ontario-backed High Art Capital buys 43 unsold Toronto condos- Are taxpayers financing a bailout for developers?- Why commercial real estate is still attracting serious money- The dangers of guaranteed rents and passive-investment promises- Why waiting for 2022 prices to return could be an expensive mistakeOfficial hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:YouTube: https://www.youtube.com/@thecanadianrealestateshowSpotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Follow:X: https://x.com/canadianREshowInstagram: https://www.instagram.com/thecanadianrealestatesho/TikTok: https://www.tiktok.com/@canadianrealestateshowDealCore Properties: https://dealcoreproperties.com/Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.---

Is Canada actually joining the European Union—or is Mark Carney using Europe to send Trump a message? The EU has proposed making Canada its first-ever “associate member.” The problem is that the position doesn’t technically exist yet. Trump is furious, Carney is talking about Canadian independence, and Ottawa says its new investment strategy could unlock more than $1 trillion. We break down: * What EU “associate membership” could really mean * Why Trump is threatening consequences * Carney’s $1 trillion investment pitch * The nearly $500 billion announced at Canada’s investment summit * The new Productivity Mega Deduction * Why most apartment buildings don’t qualify * Canada’s collapsing condo-development model * Rising rate risks and the housing projects that no longer make financial sense Canada says it’s open for business. Meanwhile, developers still can’t get buildings approved, financed or sold. Maybe Canada hasn’t fixed investment. Maybe it has just fixed the press release. Watch, subscribe and tell us: Is Carney rebuilding Canada’s economy—or are these numbers too large and too polished to believe? Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show. Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology. Official hub: https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-show Book a call with TK Butler: https://getleo.com/ DealCore Properties: https://dealcoreproperties.com/ DealCore Daily Brief: https://preview.shrubs.me/frankyfrankfort/shrub/dealcore-daily-briefing YouTube: https://www.youtube.com/@thecanadianrealestateshow Spotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarD Apple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446 Sponsored by Shrubs: https://www.shrubs.me/

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:YouTube: https://www.youtube.com/@thecanadianrealestateshowSpotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Follow:X: https://x.com/canadianREshowInstagram: https://www.instagram.com/thecanadianrealestatesho/TikTok: https://www.tiktok.com/@canadianrealestateshowDealCore Properties: https://dealcoreproperties.com/Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:Spotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:Spotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:Spotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:Spotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:Spotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:Spotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Trump's Cement Tariffs Could Crush Canada's Housing RecoveryJust when it looked like construction costs were finally starting to come down, another curveball arrives.This week on The Canadian Real Estate Show, Darryl and TK break down how Trump's proposed cement tariffs could hit Canadian housing, why another major Toronto development deal has fallen apart, and what it says about the state of the development industry.We also discuss:• Why another high-profile Toronto project ended in receivership • The hidden risks behind aggressive land financing • Why developers are pivoting to purpose-built rentals • Whether the HST rebate is actually helping new home sales • Why Darryl believes AI is about to eliminate millions of white-collar jobs—and what that means for housing demand • The growing signs of stress in Canada's job market • The real impact tariffs could have on construction costs and home pricesThe headlines only tell part of the story. We explain what they mean for developers, investors, homeowners, buyers, and anyone trying to understand where the market is heading next.📩 Want to get in touch with Darryl or TK?https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-show👍 If you enjoy the show, please Like, Subscribe, and leave a comment. It helps us reach more Canadians trying to make sense of today's housing market.#CanadianRealEstate #TorontoRealEstate #HousingMarket #Construction #Tariffs #Trump #InterestRates #Developers #RealEstateInvesting #CanadianEconomyTags Canadian real estate,Toronto real estate,Canada housing market,housing market,Trump tariffs,cement tariffs,construction costs,Ontario real estate,real estate investing,developers,Toronto condos,purpose built rentals,interest rates,Canadian economy,recession,AI jobs,ChatGPT,Claude AI,power of sale,receivership,new homes,condo market,real estate news,The Canadian Real Estate Show,Darryl Frankfort,TK Butler

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:YouTube: https://www.youtube.com/@thecanadianrealestateshowSpotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Follow:X: https://x.com/canadianREshowInstagram: https://www.instagram.com/thecanadianrealestatesho/TikTok: https://www.tiktok.com/@canadianrealestateshowDealCore Properties: https://dealcoreproperties.com/Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.

Join Darryl Frankfort (Real Estate Developer) and T.K. Butler (Realtor) for The Canadian Real Estate Show.Weekly deep dive into Canadian real estate with a focus on the Greater Toronto Area — markets, investing, development, the economy, government, and technology.Official hub (About, hosts, listen links, AI facts):https://preview.shrubs.me/frankyfrankfort/shrub/the-canadian-real-estate-showWatch / listen:YouTube: https://www.youtube.com/@thecanadianrealestateshowSpotify: https://open.spotify.com/show/3IdhJbcDW4DOQR4PlTKarDApple Podcasts: https://podcasts.apple.com/ca/podcast/the-canadian-real-estate-show/id1522774446Follow:X: https://x.com/canadianREshowInstagram: https://www.instagram.com/thecanadianrealestatesho/TikTok: https://www.tiktok.com/@canadianrealestateshowDealCore Properties: https://dealcoreproperties.com/Sponsored by Shrubs: https://www.shrubs.me/Some characters in this show are AI-generated for comedic and entertainment purposes.