Saturday, March 22, 2014

Have the stones to say..... This house is wrong for you

You want someone to tell you;
You may be over paying for this house
WOW Look at high water mark
Gheez this wiring is old
Are you sure about this neighbourhood?

Would you want someone to say "The market will go forever?" or

This is not the house you are looking for?

Now...  Let's go spend some real money!
David Pylyp  Sales Representative, Accredited Senior Agent
RE/MAX Realty Specialists Inc.,  Brokerage

If I could save you $30,000

If I could save you  $30,000 on your home purchase would you buy your next house with me?  Actual dollar savings*  

Having the correct financial financial advice and save you hundreds of dollars per month in ongoing mortgage costs.   On a five year mortgage term this can be substantial savings.

We recommend and have representatives from 
Astrum Financial
Mortgage Alliance
TD Canada Trust
Royal Bank

*Savings May Vary according to how much you borrow

Lets get started   Call Today   416 233 9000
David Pylyp Sales Representative, Accredited Senior Agent,
RE/MAX Realty Specialists Inc., Brokerage


Sunday, March 9, 2014

Home Sellers Insurance

Home Sellers Insurance Package

What would you do if your home closing was delayed or fell through at the last minute?

This can happen and may cost Home Buyers or Sellers thousands of dollars in unexpected expenses. Unfortunately, the only recource for many people is to get involved with costly litigation with no certainty they will revover their additional costs.

David Pylyp now provides you with a safer dependable solution.  Canadian Home Shield Home Closing Insurance paid for by me, David Pylyp, your real estate agent, provides you with coverage for irrecoverable extra costs resulting from unforseen delays or failures in your home closing. As a client of David Pylyp Realtor under this program you will be provided with $25,000 in coverage from the original closing date.

extra Costs that could occur**

Legal Fees
Moving and Storage
Temporary Accommodations
Living Expenses
Bank Charges and Interest
Mortgage and Interest Payments

TORONTO SELLERS ARE ESPECIALLY VULNERABLE when buyers are unable to close. 

Maybe their offer to Finance was withdrawn.
The house may not have appraised as their financing required.
Maybe they over extended themselves prior to the closing.

There are many ongoing extra costs to maintain a home that has failed to close, that come into play when you have already purchased another home. Gas
Interest on Bridge / Blanket Mortgages

Best of all this coverage is provided to you;
The best protection possible; peace of mind, Confidence and Security

When you buy or sell a home with David Pylyp
RE/MAX Realty Specialists Inc.
416 233 9000  or direct 647 218 2414

Saturday, March 8, 2014

Shopping for an Etobicoke Home? You need this...

Why you want to buy Etobicoke Homes with David Pylyp?

We Take the worries and doubt out of the Purchase Process. The Biggest concerns are around the mechanical systems within the home*

Now we have a dependable safe Solution to protect you after your home's closing. Canadian Home Shield SafeClose  Home Systems and Appliance Breakdown is Paid for by ME*

By David Pylyp when you purchase with our Team*

Central Heating System / Built in Wall unit in Condos
Central Air Conditioning / Heat Pump
Interior Plumbing
Interior Electrical
Water Heater that is owned

Includes Appliances:
Refrigerator/  Freezer
Range/Oven/Cooktop [Gas or Electric]
Built in Microwave Oven
Clothes Washer
Clothes Dryer
Sump Pump
Garage Door Opener
Garbage Disposal
Trash Compactor

Does that remove the hesitation from your home purchase?
Lets get started.
Call now
David Pylyp
RE/MAX Realty Specialists Inc.,
416 233 9000

You can protect yourself from unexpected costly breakdowns of Home Systems or Appliances.  This can save you thousands of dollars in costly repairs or unexpected replacement.

Finding Tenants for your condo

If you want Toronto Tenants, you need to ask the Right Tenant Questions....

You may not ask 

  • Do you want Kids?
  • What is your ethnic back ground?
  • Are you Gay or Lesbian?
  • What is your religious Back ground?
Or you will land at the Human Right Tribunal.

You may ask

  • What is your income?
  • Where do you work?
  • How many people will be living here and what are their names?
  • Do you have pets?
  • Do you smoke?
  • Will you be operating a home based business?
  • What do you do when you can't sleep?

You could ask;
Tell me about yourself and watch their voluntary disclosures.
Remind them you need references, a credit bureau and you will be making enquiries.

You can ask for First and Last Month's Rent

  • No Key Money 
  • No Security Deposits
  • No Cleaning Deposits

No 3, 4 or 6 months in advance because they are new to Canada.

Because THEY [your prospective tenants] even if they agree, cannot be held to comply with what is illegal with the Landlord Tribunal. A Tenant application at the Tribunal will result in all of those deposits / charges refunded immediately.

Real Estate Investment - Condo Investment is so popular because it currently guarantees a 97.5% success rate.  (Sheriff's evictions result in less than 2.5% of all rentals) There is no rent control on units constructed post 1991. Even at 25% down per unit; someone is paying your mortgage for you.

Will there be fewer people living in Toronto in 20 years? Is 1% per year on your savings the return you need to retire?

So.... What are we waiting for? 

Friday, March 7, 2014

Toronto Housing Bubble - NOT

If we did not have CMHC backed financing, you would require a minimum of 20% down. Amortizations were available to 30 years and beyond.  Investors never had the opportunity to have these cash flows on rentals.   Toronto currently has a vacancy factor near 1.4% 

Compare with 20 years ago
Rentals are subject to Landlord Tribunal control, except for properties built after Nov. 1991.  You can raise the rent to what ever the market will bare.

If one million people could come to Canada  would they?  Why?
Health Care, Financial Safe Haven, No war, Democracy, Education, Employments, Schools, Universities, Freedom of Religion. What Have we left off?

Aging demographics
Advances in home care, personal improvements into a property, technology for elevators, stair sliders, lowered cabinets, accessible bathrooms, attention to geriatric medicine are making living in our homes a reality for much longer, often a live in caregiver is possible making our term of ownership much longer.

Will Prices drop?  Why would they, at 3% and reducing numbers of homes for sale there is competition for product.  

When will you buy?    Lets talk about it.

Wednesday, March 5, 2014

Homes Sold on Toronto MLS®

Everyone loves to get a deal, whether it's the thrill of the shopping; the negotiation or the money that stays in your pocket. With competition for detached homes and townhouses in Toronto, many online realtors have been quick to offer their customers deals and rebates along with their normal service offerings.

What many don't know is that not all real estate are created equal – some agents offer bigger discounts or apparently better products than others. Some of the most popular sites offer up to 100% off on listings and rebates on what you buy.

Additionally, there are different types of sites that promise—anything from a Rebates like Rogers, with FASTER from Zoocasa or implied SAVINGS from COMFREE that compare how much you can save from a 6% sales commission. Deals come in all varieties and facets. Savvy deal seekers are discovering these sites that are heavily promoted tend not to deliver what is promised.

Can you get listings FASTER? Every realtor draws information from the same database. New listings are available to me instantly and I can send you listings immediately, directly to your inbox with a Buyers Profile and BRA at  Are there more listings available?  Claims of We have *ALL* the listings, yes if you you want new home construction listed as homes available for sale (that are not yet built) I have that too, are effectively puffery or embellishment.

Listings that show available on may already have a sale pending and we may not even be able to go see it, as mere listingsdo not report as diligenty.

Another site will give you sold data by street or neighbourhood. Homes Sold on Toronto MLS® Yes, that information is available by postal code anonymously at  or you can send an email with the address and I will respond promptly, without stalking you through this tackk.

Do you work for free? Are you good at what you do? Then, you should get paid. The DISCOUNT BROKERS concept offering $1 for selling a house is silliness. Attending at your home to help you decide what you what, give you guidance, answer your questions provide Computers, licensing, forms, time, effort and attending at properties with you PLUS being liable makes this concept great on paper but a non starter in reality.  When you are out shopping with an agent you want the insights of what has sold and questions answered that are unique to your situation.  I make house calls.

Why the Best Deals are Unknown

Many agents are now aware of "POCKET LISTINGS" Most consumers expect that the Realtor that advertises the most must have the best deals. This is a common misconception. Not all great agents have maintained ad budgets as response rates have dropped off dramatically.  Email and Direct mail is suffering a similar fate. A better reality would be to promote your new listing to each agent who has listed or sold recently in that pocket. 
Even if these smaller real estate brokerages had the ability to advertise as much, they would choose not to do so. You see, most houses are selling in multiple offers and with that limited quantity we are simply running out of inventory. No agent wants to advertise a deal that was sold a week ago while the magazine is on the shelf for another two weeks. I can't make good for all customers right?

That's why the best agents intentionally stay out of the spotlight and developed a word-of-mouth business. WOM. The result—those deal seekers who are in the know on which agents provide superior service and knowledge, will simply save you the most money and get the best deals. They recommend their friends peers and family members.  You can find them on Google or with Youtube Video's.

How Do I Find the Best Deal Sites?

Continue to keep your eyes open for new FOR SALE signs in your desired neighbourhood. Check your email daily for new listings and price updates. We can start a door knocking campaign to find a home for you. 

Are you ready? 

No matter how many books you read, no matter how many pamphlets, unless you have genuine experience in the process of buying and selling a house or condominium you are not prepared to navigate the sales documentation and lending process.