88. Navigating Tariffs, Rates & Real Estate Opportunity

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In this episode of TR Talks, host Xerxes Bharucha is joined by real estate expert Daniel Foch to unpack the complex and evolving landscape of the Canadian housing market amidst rising economic tension between Canada and the U.S. They dive into the ripple effects of tariffs, interest rate forecasts, and what it all means for the GTA real estate market—both now and in the years to come.

💬 Topics Covered

• Daniel’s background in real estate and his early experience running a digital agency for realtors
• How tariffs and trade tensions could impact inflation, interest rates, and consumer behavior
• The effect of U.S. vs. Canadian monetary policy on the CAD-USD exchange rate
• The Bank of Canada's interest rate outlook, and how it diverges from the U.S. Federal Reserve
• Discussion around Canadian household debt and the economic pressures it creates
• Speculation on the return of foreign investment in Canadian real estate post-election
• A breakdown of supply vs. demand, including how builder hesitation and resale listings affect absorption rates
• Thoughts on pre-construction pricing vs. resale, development charges, and how municipalities might adapt
• Is it a good time to upgrade investments or buy income-generating properties?
• Insight into distressed properties, vendor take-backs (VTBs), and where the smart money is going

💡 Key Takeaways

• Patience is power: There are opportunities, but it’s crucial to be strategic and disciplined.
• Watch the rates: Canada is likely to see continued cuts, especially compared to the U.S.
• Pre-construction caution: Prices may still need to adjust, and incentives like development charge reductions are key to builder decisions.
• Distressed deals are rising: Investors willing to do the legwork may find hidden gems.
• Future upside: As foreign investment potentially re-enters the market and the dollar stabilizes, long-term opportunities could emerge.

📌 Guest Info

Daniel Foch

• Chief Real Estate Officer at Valerie.ca
• Host of The Canadian Real Estate Investor Podcast

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