This is for educational purposes only; it does not guarantee future performance or serve as financial or tax advice.
We just dug into the latest Teranet Market Insight Report, which pulled real Ontario land registry data from 2024. And let’s just say—there’s been a major shift in how real estate investors are playing the game.
Let’s break it down.
Condos Are Flooded—And Floundering
Over 65% of Toronto property sales last year were condos. Sounds strong, right? Not really.
The resale condo market just hit a 10-year low. Why? A massive 15,000 new condos were completed—up 78% from the year before. That oversupply sucked demand away from older resale units, leaving investors stuck with slow sales and soft prices.
If you’re still banking on condo appreciation, you’re playing a dangerous game.
Pandemic Buyers Are Taking Hits
Here’s a painful stat:
If you bought a property under $1M in 2022 and sold in 2024, there’s a 1 in 4 chance you lost money.
The average loss in the GTA? $56,000.
In vacation markets like Muskoka? Losses hit $240,000 in some cases.
This is what happens when people buy high with weak cash flow. Lesson: Cash flow should be the priority—not hoping prices go up.
Multi-Property Owners Are Scaling Back
Yes, investors still dominate the market—but they’re pivoting hard.
55% of investors now own just two properties
20% own three
The big players (11+ properties) dropped from 13% in 2022 to just 7% in 2024
What does that tell us? People are scaling down, being more selective, and not over-leveraging. This is a wake-up call: size doesn’t matter if the cash flow isn’t there.
Rise of the Solo Investor
More individual, cash-rich investors are stepping in—especially in Toronto. In fact:
20% of multi-property transactions came from individual buyers
1 in 3 of them paid cash
Mostly Millennials and Gen X, targeting Toronto, Peel, and York
These folks aren’t flippers. They’re buying to hold for the long term, and they’re doing the math before they buy. This is the model to watch and follow.
Not All Markets Are Created Equal
While Toronto and the GTA are holding steady, other regions are showing cracks.
Power-of-sale activity (forced sales) is on the rise in Peel, Simcoe, and Middlesex
Peel, in particular, is seeing above-average levels of distress
Cheaper doesn’t always mean better. These markets might look affordable, but the data shows more volatility and risk.
The Holding Game is Getting Longer
Investors and homeowners are holding on longer—because it makes financial sense.
Non-condo homeowners in Toronto now stay for 18 years on average, up from 14 years in 2015
More people are renovating instead of upsizing, due to high carrying costs
This also backs the buy & hold strategy over flipping. Flips are getting riskier; holding power wins the game.
So… Is Toronto Still Worth Investing In?
Yes—but only if you play it smart.
Here’s the blueprint that’s working for investors today:
Stick with prime rental markets like Toronto
Don’t over-leverage—debt is dangerous if cash flow’s weak
Buy for income, not appreciation
Focus on solid multiplexes (not condos) with strong rents and real tenant demand
This is exactly how our clients are investing. They’re picking cash-flow-positive multiplexes in proven rental neighbourhoods and seeing results.
If you want to see what’s actually out there, book a free strategy session with us. We’ll show you real properties, real numbers, and help you figure out if this is your moment to invest.
Whether you want a turnkey property or a value-add project, we’ll help you find the right fit.
Here’s what it’s like to start as a client with us:
- Initial Consultation: We’ll talk with you to understand your needs and teach you how to invest wisely in Toronto real estate.
- Market Search & Purchase: We’ll search the market to find the perfect property for you.
- Renovation Support: If the property needs renovations, our trusted contractors are ready to help, and we’ll coach you as you manage the project.
- Leasing and Management: If you need help renting out and managing your property, our leasing and management team is here for you.
Ready to get started? Click on the link below, and let’s start working together!
What Toronto Real Estate Investment Is Right For You?
Check out our complete Toronto real estate investment guide for all the details and real-life examples. If you’re ready to dive in, just book a call with us!
