RECO To Shut Down All 17 iPro Brokerage Locations By Tuesday

Real Estate Investing

Discover how real estate investing works in Canada, from rental properties to REITs, and how to grow wealth through income and appreciation.

Real Estate Investing

May 22, 2025


What is Real Estate Investing?

Real estate investing involves purchasing property or shares in property-based assets to earn income, generate capital appreciation, or both.

Why Does Investing Matter in Real Estate

In Canada, real estate investing is a popular strategy for building wealth and generating passive income. Investors may choose between owning physical properties or investing in real estate through public markets.


Common forms of real estate investing include:
  • Rental properties (single-family, multi-unit, or short-term rentals)
  • Commercial real estate
  • REITs and publicly traded funds
  • Development or house-flipping

Key considerations include:
  • Upfront capital and financing
  • Cash flow and return on investment (ROI)
  • Tax treatment and deductible expenses
  • Property management responsibilities


Successful investing requires research, due diligence, and financial planning. Risks may include market downturns, vacancy, and maintenance costs. Leveraging mortgages allows investors to control larger assets with less capital, but it increases exposure to interest rate changes.


Understanding real estate investing allows individuals to diversify portfolios, supplement income, and plan for long-term financial goals.

Example of Real Estate Investing

A couple purchases a duplex and rents out both units, earning monthly passive income while the property's value increases over time.

Key Takeaways

  • Involves buying property for income or growth.
  • Can be active (landlord) or passive (REITs).
  • Requires financing, planning, and risk management.
  • Generates income, equity, and tax benefits.
  • Popular for long-term wealth building.

Related Terms

Additional Terms

Recourse Loan

A recourse loan is a type of loan where the lender can pursue the borrower’s personal assets, beyond the collateral, in the event of default.. more

Pari Passu

A pari passu clause is a contractual provision ensuring that multiple creditors share equally in repayment priority from the borrower’s assets.. more

Non-Recourse Loan

A non-recourse loan is a type of loan where the lender’s only remedy in case of default is to seize the collateral property; the borrower is not. more

Net Operating Income

Net operating income (NOI) is the total income generated by a property after operating expenses are deducted but before taxes and financing costs.. more

Mechanic's Lien

A mechanic’s lien is a legal claim by a contractor, subcontractor, or supplier for unpaid work or materials provided for a property.. more

Lis Pendens

Lis pendens is a legal notice filed in the land registry indicating that a property is subject to ongoing litigation that may affect its title.. more

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