Toronto Investment Property Agent

Invest in Toronto Real Estate

Marco Pedri – Broker | Shoreline Realty Corp., Brokerage

*Not intended to solicit buyers or sellers already under contract with a registrant or real estate brokerage.

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Why Investors Work With Me

Honest Advice for Investing in Toronto Real Estate

If you want to invest in Toronto real estate, you need a property that works on paper before you sign anything. I help investors find condos and houses that rent well, run the real numbers on cash flow and carrying costs, and understand the Ontario and Toronto rules that affect a rental property. Sometimes the best advice is to wait or walk away, and I’ll tell you when that’s the case.

Real Numbers First

Before you make an offer, we look at realistic rent, condo fees, property tax, insurance and your mortgage payment, so you know your monthly cash flow.

Properties That Rent

I know which buildings, layouts and neighbourhoods tenants want, and which ones sit empty. That knowledge protects your vacancy rate.

Rules Built Into the Plan

Rent control, short-term rental limits and the Vacant Home Tax all change the math. I factor them in from the start.

Help After You Buy

When you’re ready to rent, I can find and screen your tenant through my leasing service.

Market Snapshot

Investing in the Toronto Market Right Now

Toronto has shifted from a market that rewarded almost every investor to one that rewards careful ones. On October 28, 2026, the Bank of Canada raised its policy rate to 2.5%, its first increase in more than three years, and the Canadian Real Estate Association has cut its national home sales forecast several times this year. As I told CTV News, today’s market favours renters and people buying a home to live in more than it favours investors. That doesn’t mean there are no good investments. It means the numbers have to stand on their own.

Prices Below the Peak

Toronto home prices remain well below their 2022 peak. For long-term investors, that can mean buying at a better price, as long as the rent covers your costs.

Rents Have Softened

Higher condo supply has pushed asking rents down from their highs, so investors need conservative rent estimates and a plan for a vacancy period.

Borrowing Costs Matter

With rates rising again, your mortgage payment drives your cash flow. Stress-test your numbers at a higher rate before you commit.

Choosing a Property

Types of Investment Property in Toronto

Each type of property comes with different costs, risks and rules. Here’s how I explain them to investors.

Resale Condos

Condos are the most common way to invest in Toronto real estate. They cost less to buy and are easy to rent, but monthly fees reduce your cash flow. Units first occupied after November 15, 2018 are exempt from Ontario’s rent increase guideline.

Houses and Multiplexes

Freehold houses give you more control and land value. Toronto now allows up to four units on most residential lots, so a house with a legal secondary suite can produce more than one rent. Renovations need permits and a realistic budget.

Pre-Construction

Buying before a building is finished can offer a lower entry price and time to save, but closing dates can slip and you may face HST, development charges and a market that has changed by occupancy. I review the agreement terms with you before you sign.

Know Your Numbers

What It Costs to Buy an Investment Property in Toronto

Investment properties are financed differently from the home you live in. Plan for these costs before you start looking.

20% Minimum Down Payment

A property you won’t live in needs at least 20% down, because mortgage default insurance isn’t available for non-owner-occupied rentals. If you live in one unit of a two- to four-unit property, you may qualify with a smaller down payment.

Land Transfer Tax

Toronto buyers pay both the Ontario and the Toronto land transfer tax. On an investment property, this is often the biggest closing cost after your down payment.

Carrying Costs

Your monthly costs include the mortgage, property tax, condo fees, insurance, maintenance and a reserve for vacancy or repairs. I build all of these into your cash flow estimate.

Know the Rules

Ontario and Toronto Rules Every Investor Should Know

Several rules affect what you can earn from a rental property in Toronto. This is general information, not legal, tax or financial advice, so speak with your lawyer, accountant and mortgage professional about your own situation.

Rent Control

For rent-controlled units, Ontario’s rent increase guideline is 2.1% for 2026 and 1.9% for 2027. Units first occupied after November 15, 2018 are exempt from the guideline, which is why newer condos are popular with investors.

Short-Term Rentals

In Toronto, short-term rentals of less than 28 nights are only allowed in your own principal residence, with a city registration. An investment property can’t be used as a short-term rental, so plan for longer leases.

Vacant Home Tax

Toronto charges a Vacant Home Tax on homes left empty for six months or more in a year, based on the property’s assessed value. Owners must declare their property’s status every year, even when it’s rented.

Foreign Buyer Rules

The federal ban on non-Canadians buying homes is set to expire on January 1, 2027. Budget 2026 proposes extending it to January 1, 2029 for resale homes, with new homes exempt. Foreign buyers also pay Ontario’s 25% Non-Resident Speculation Tax plus Toronto’s additional 10% municipal tax.

Condo Rules and Leases

Each condo has its own declaration and rules, and some limit leasing or set minimum lease terms. I check these before you buy so the unit fits your plan.

Taxes on Rental Income

Rental income is taxable, and some expenses can be deducted. Your accountant can explain how this applies to you and how a future sale would be taxed.

Step by Step

How I Help You Invest in Toronto Real Estate

Here’s what working together looks like, from our first call to your first tenant.

01

Investor Call

We talk about your budget, goals and how hands-on you want to be. You can book your investor call at the top of this page.

02

Financing

I connect you with a mortgage professional who works with investors, so you know your budget and your rate.

03

Search and Analysis

I shortlist properties and compare rent, fees and expenses for each one, so you see the cash flow side by side.

04

Offer and Due Diligence

I negotiate the price and terms, and we review the status certificate, leasing rules and any existing tenancy before you firm up.

05

Closing

I work with your lawyer and lender to keep closing on track.

06

Lease-Up

When you’re ready, I can find and screen a tenant through my leasing service.

Full Service

What You Get When You Invest With Me

Investing is a long game. My goal is to help you buy a property you’ll be glad you own five and ten years from now, not just one that looks good on a listing.

Book an Investor Call
  • Investment goals and budget review
  • Rent estimates from recent leases
  • Cash flow and carrying cost estimates
  • Building and neighbourhood research
  • Status certificate and condo rule review
  • Offer strategy and negotiation
  • Referrals to investor-friendly lenders and lawyers
  • Tenant placement after closing

Client Reviews

What Clients Are Saying

Rated 4.9 out of 5 from 59 Google reviews

“I recently worked with Marco to lease my Toronto condo (I'm based in Vancouver), and I couldn't be happier with the experience. Marco took care of absolutely everything, from coordinating repairs to handling all the details I couldn't manage remotely.”
Chris N.
Landlord
“Very helpful in walking me through the process as a first-time homebuyer. Full trust in the advice and guidance I was given!”
Cameron S.
Buyer
“He went above and beyond on all fronts.”
Nansie
Landlord & seller
Read My Google Reviews

Helpful Pages

More Resources for Toronto Investors

FAQ

Questions About Investing in Toronto Real Estate

It depends on the property and your timeline. Prices are below their 2022 peak, but rents have softened and borrowing costs are rising again. Investors who buy a property that covers its costs and plan to hold for the long term are in the strongest position.

At least 20% of the purchase price for a property you won’t live in. If you plan to live in one unit of a two- to four-unit property, you may qualify with a smaller down payment.

Condos cost less to buy and are easier to rent, but condo fees cut into cash flow. Houses cost more but give you land value and, in many cases, room for a secondary suite. The right choice depends on your budget and how hands-on you want to be.

No. Toronto only allows short-term rentals of less than 28 nights in your own principal residence, with a city registration. An investment property needs to be rented for 28 nights or more.

Units first occupied for residential purposes after November 15, 2018 are exempt from Ontario’s rent increase guideline. Older units are covered, which limits increases for an existing tenant to the yearly guideline.

The federal ban on non-Canadians buying residential property is set to end on January 1, 2027, and Budget 2026 proposes extending it to 2029 for resale homes, with new homes exempt. Foreign buyers also pay Ontario’s 25% Non-Resident Speculation Tax plus Toronto’s 10% municipal tax.

Resale lets you see the unit, the building’s finances and current rents before you buy. Pre-construction can offer a lower entry price, but you take on closing delays and the risk that the market changes before occupancy.

Yes. I find and screen tenants and help with the lease process through my leasing service, so your investment starts earning as soon as possible.

Ready When You Are

Let's Talk About Your Next Investment

Buying your first rental or adding to your portfolio? Let’s look at your goals, your budget and the numbers together. No pressure, just honest advice.

Shoreline Realty Corp., Brokerage
92 Lakeshore Road East #215, Mississauga, ON L5G 4S2

Call 647-920-1314Book an Investor CallSend a Message