REAL ESTATE AS A
GROWTH STRATEGY.
Plexes, income properties, vacation homes: Montreal real estate remains one of the most solid ways to build a portfolio. Vianney analyzes every opportunity with the rigor of a sale negotiation.
Real returns
Net return calculation (income, expenses, financing) before any recommendation, not just the asking price.
Plexes and multi-unit buildings
Sourcing plexes and income buildings in Greater Montreal's highest rental-demand areas.
Long-term portfolio
Multi-transaction vision: when to buy, when to sell, how to reinvest to grow a portfolio.
What investors ask the most.
Which property type gives the best return in Montreal: a plex or a rental condo?
It depends on the area and your time horizon. A plex generally offers a better net return since several units sit on a single lot, but it demands more management. A rental condo is simpler to manage, but the net return is often tighter once condo fees are factored in. The right answer depends on your goals and your tolerance for hands-on management.
How much down payment is needed for an income property?
Financing a non-owner-occupied property generally requires a higher down payment than a primary residence, often 20% or more, depending on the number of units and the lender. A plex with an owner-occupied unit can sometimes be financed with a lower down payment. Every file is worth validating with a lender or mortgage broker.
Can I buy a first building with no landlord experience?
Yes, many first-time plex buyers have never managed a building before. The key is surrounding yourself well from the start: a realistic return analysis, an understanding of lease and rent-setting rules in Quebec, and a clear plan for property management.
How does Vianney evaluate an investment opportunity?
Always starting from the real numbers, actual rental income (not the advertised potential), real expenses, and debt service at the rate and down payment you're considering, before looking at the asking price. The plex yield calculator on this site uses the same logic.
