Investment Properties, Interest Rates & Mortgage Questions Explained

How do you know when it's finally time to sell your investment property?

This week on Under One Roof MTL, LJ Aguinaga shares the story behind selling one of his first investment properties, a 4-plex he held for nearly a decade. Plus, Fred and Martin answer some of the mortgage questions Canadians are asking most right now, from fixed vs variable rates to renewing with your bank versus shopping around.

In This Episode:

What's Happening in the Market Right Now

• The Bank of Canada warns interest rates could rise if inflation continues climbing
• Retirees across Canada are delaying downsizing plans as housing markets soften
• Why Quebec continues to behave differently than many other Canadian markets

Real Estate: Knowing When It's Time to Sell Your Investment Property
LJ Aguinaga opens up about recently selling one of his first investment properties, a 4-plex he owned for roughly 9 years:

• Why he originally bought the property
• The strategy behind holding it long-term
• Why he ultimately decided now was the right time to sell
• Lessons learned about investment real estate over nearly a decade of ownership
• What he would do differently if he could start over today

Mortgages: Your Frequently Asked Questions, Answered
Fred and Martin tackle some of the biggest mortgage questions Canadians are asking in 2026:

• Should you choose a fixed or variable mortgage rate?
• Is a 3-year fixed better than a 5-year fixed?
• Will mortgage rates go down this year?
• Should you renew with your current bank or shop around?
• Can self-employed borrowers still qualify for mortgages?
• How much house can you realistically afford?

Trivia Question of the Week
What is a closing date?
Answer: The final step in a real estate transaction where ownership officially transfers from seller to buyer, funds are exchanged, and documents are signed.

Get in Touch:

LJ Aguinaga – Real Estate
📞 514-500-4040
🌐 LJ Realties
📱 Instagram & socials: @ljaguinaga / @ljrealties

Property Management (Plex Dr)
📞 514-709-6397
🌐 Plex Dr

Fred & Martin – Mortgage Experts
🌐 FredAndMartin

📧 underoneroofmtl@gmail.com