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Winnipeg Realtor Explains How to Find Cash-Flowing Properties

Investing in real estate is one of the most reliable ways to build long-term wealth - but not all properties are created equal. For many investors, the priority is clear: cash flow. A cash-flowing property generates more rental income than it costs to operate, allowing you to build passive income while your property appreciates over time. As a Winnipeg realtor who works closely with investors, I'm breaking down exactly how to find cash-flowing properties in Winnipeg's dynamic and affordable real estate market. Whether you're new to investing or looking to scale your portfolio, here's how to spot the winners, avoid the pitfalls, and make smart, profitable decisions. 1. Understand What “Cash Flow” Really Means Before you start searching for properties, you need to understand the basics. Cash Flow Formula: Cash Flow = Monthly Rental Income – Monthly Expenses Expenses include: Mortgage payment Property taxes Insurance Utilities (if landlord-paid) Rep...
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How to Build a Real Estate Investment Portfolio in Winnipeg: A Realtor Explains

Building a real estate investment portfolio can be one of the most reliable and rewarding paths to long-term wealth - and Winnipeg is one of the best cities in Canada to begin that journey. With its affordable housing market, strong rental demand, and stable economy, Winnipeg offers excellent opportunities for new and seasoned investors alike. As a Winnipeg realtor who has worked closely with investors, I'm breaking down exactly how to build a profitable real estate investment portfolio step-by-step, so you can make confident decisions and grow your wealth strategically. 1. Start with Clear Investment Goals Before buying your first property, establish your objectives. Your goals will shape what type of property you buy and how you structure your portfolio. Ask yourself: Are you looking for monthly cash flow, long-term appreciation, or both? Do you want hands-on involvement, or do you prefer a more passive approach? Do you plan to invest in single-family homes, dupl...

How to Buy a New Build or Under-Construction Home in Winnipeg - Step-by-Step Guide for 2025

(By Manjot Singh, REALTOR® - Trusted Winnipeg Realtor | WinMax Real Estate Ltd.) Buying a brand-new or under-construction home in Winnipeg in 2025 is one of the most exciting decisions you can make - whether you're a first-time buyer or an investor looking for infill duplexes, triplexes, or four-plexes. But the process differs from buying a resale home. This step-by-step guide walks you through everything you need to know - from researching builders to final possession. Step 0: Choose Your Location & Product Type Winnipeg offers a mix of new-community developments and infill opportunities. North Winnipeg Developments Aurora at North Point Highland Pointe  Castlebury Meadows East Winnipeg Developments Devonshire Park Summerlea Canterbury Crossing Sage Creek Bonavista South Winnipeg Developments Prairie Pointe Bison Run Infill Neighbourhoods (for duplex/triplex/four-plex buyers) St. Vital   |   Fort Garry   |   River Height...

How to Winterize Your Home in Winnipeg: The Ultimate Cold-Weather Checklist

Winnipeg winters are no joke - with temperatures often dipping below -30°C and snow piling up for months, preparing your home for the cold is more than just comfort, it's protection. Whether you're a new homeowner or a seasoned Winnipeg resident, taking time to winterize your home can save you from frozen pipes, high heating bills, and costly repairs. Here's your ultimate Winnipeg winterizing checklist to keep your property safe, warm, and energy-efficient all season long. 1. Service Your Furnace Early Your furnace is the heart of your home during winter. Book a professional tune-up before temperatures drop. Change filters monthly for cleaner air and better efficiency. Check your thermostat settings and consider upgrading to a smart thermostat to manage your heating schedule and reduce energy waste. Pro Tip: If your furnace is more than 15 years old, a new high-efficiency model could cut your hydro bills by up to 20%. 2. Seal Up Drafts and Leaks Drafty...

How Mortgage Rates, Bank of Canada Announcements & Rebates Impact Your Buying Power Right Now in Winnipeg/Manitoba

If you're ready to buy a home (whether as a first-time buyer, a new-construction infill investor, or a duplex/4-plex investor) in the Winnipeg/Manitoba market, it's critical to understand how interest-rates and incentives affect what you can afford, and the timing of your move. Let's dig in. 1. The Big Picture: Why the Bank of Canada & Bond Yields Matter The Bank of Canada (BoC) sets the overnight policy rate - when it moves, it influences the prime rate banks charge. This is especially important for variable-rate mortgages and HELOCs. Fixed-rate mortgages don't follow the BoC policy rate directly - they're tied more to bond yields (especially 5-year Government of Canada yields) and the spreads lenders apply. In late October 2025 the BoC cut its policy rate to 2.25 %.   Because of this, the prime rate dropped to about 4.45% in many lenders' pricing models.   Meanwhile, the best advertised 5-year fixed mortgage rates have fallen: according to n...