Investing
Build a portfolio, not just a purchase.
20 years of hands-on experience investing in real estate — the same numbers analysis, strategy, and risk mitigation Ramon applies to his own holdings, applied to yours.
Investing
20 years of hands-on experience investing in real estate — the same numbers analysis, strategy, and risk mitigation Ramon applies to his own holdings, applied to yours.
Where to start, what to avoid, and how to screen a property the way an owner would — not just a buyer.
Mortgage, strata, tax, insurance, and maintenance worked out before you offer — not discovered after.
Sequencing your next purchase against what you already hold, so each property strengthens the portfolio.
How a lender views your next mortgage once you already hold rental debt — and how to structure around it.
What to actually look for in the depreciation report, minutes, and financials before you commit.
Knowing your exit before you buy — refinance, hold, or sell — shapes which property makes sense today.
Illustrative example only — not a real listing or a promise of return. This is the kind of breakdown Ramon runs on an actual property before you write an offer.
| Example | Purchase Price | Down Payment (20%) | Est. Monthly Mortgage | Est. Monthly Rent | Monthly Cash Flow* |
|---|---|---|---|---|---|
| Property A — entry condo | $450,000 | $90,000 | $2,157 | $1,900 | −$257 |
| Property B — townhouse | $650,000 | $130,000 | $3,116 | $2,600 | −$516 |
*Mortgage only — excludes property tax, strata fees, insurance, and maintenance. Most Fraser Valley entry-level rentals run cash-flow negative before appreciation and mortgage paydown are factored in. Ramon walks through the full picture, not just the upside, before you decide.
Current presale projects with investor-relevant pricing and floor plans. Details subject to change — confirm current availability with Ramon before making an offer.
Montvue Avenue, Abbotsford, BC — presale by local developer Parcel7.
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Yorkson / Willoughby, Langley, BC — two below-market entry points into Langley presale.
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Willoughby Town Centre, Langley, BC — 25 homes left on the Summer Promo list, from $404,900.
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By Ramon Gutierrez, PREC
Most buyers walk into a home and ask "can I see myself living here?" That's a fair question — but it's an incomplete one. After twenty years of buying and holding rental property, I can't turn off the second question: "what does this property actually cost to own, and what does it protect against?"
That doesn't mean every home has to pencil out like a rental. It means a few habits are worth borrowing from investors, whether you're buying a starter condo or your forever home:
Price the carrying cost, not just the mortgage. Strata fees, property tax, insurance, and maintenance don't show up on the listing headline, but they show up on your bank statement every month. Know the full number before you fall in love with the place.
Think about resale before you buy, not after. Layout, parking, and location drive resale value more than finishes do. Finishes are the easiest thing to change later; a bad floor plan or a bad location isn't.
Don't skip the inspection to win a bidding war. Every investor I know has a story about the one time they waived it. It's rarely a good story.
If you're weighing a purchase — whether it's a home to live in or your first rental — I'm happy to run the numbers with you before you write an offer.
Tell Ramon your budget and goals — first rental or portfolio expansion — and he'll help you screen for cash flow, risk, and long-term value before you shop.
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