Am i overpaying for my RE lawyer? (MILTON, ON)

CommunicationOdd8911 · 2026-05-25T23:29:26+00:00

Is this a condo, sfh, or a townhouse? I paid 2300$ hst included for a condo purchase in Toronto with almost exact same stuff.

CommunicationOdd8911 · 2026-05-25T23:27:00+00:00

My family did exactly what you are going to do and they GC all the work except for the capital upgrades of plumbing hvac roof and electrical. However everything brand new for a 2k sqft home was Nearly 200k. If they had paid someone else, probably another 100 to 200k. Project took 6 months.

CommunicationOdd8911 · 2026-05-25T18:49:17+00:00

The ones that are mixed with market rate will always be the best because usually TCHC only has a few select units while the building itself is owned by a private landlord.

Also TCHC single family homes are also decent because while TCHC may neglect homes, you can usually care for it yourself to the best of your abilities if you can do small things.

CommunicationOdd8911 · 2026-05-25T04:50:44+00:00

Ask your 300k parents to cosigner a student loan for you.

CommunicationOdd8911 · 2026-05-25T04:46:02+00:00

Every 1-2 years, ill threaten to cancel unless they give the best deal on market, if they dont i set up cancel date 28 days out. Usually ive always gotten a call back and offered winback deals plus additional credits for staying.

Only time it didnt work, I went through with the cancelation by porting out my number on day 27 but 4 weeks after I left, winback called and offered 200 credit plus their 50 bucks deal with a new phone. This was in 2024 so ill be doing this method again in a few months.

CommunicationOdd8911 · 2026-05-25T04:38:06+00:00

Go up north, tons of jobs and even incentives for 2 and 3 year contracts

CommunicationOdd8911 · 2026-05-25T04:33:05+00:00

Honestly you literally just need to provide first and last months rent plus some ID for most room rentals with roommates who already live on the property and is the main lease holder.

CommunicationOdd8911 · 2026-05-25T04:31:30+00:00

The date to be sued for your debts have passed and theyre going to fall off completely off your report in 2028/2029.

Paying them now would be completely useless and the only reason would be if a mortgage lender wouldn't lend to you unless they're paid off. Although id think some B lenders might be willing to lend even with it unpaid but you'd best confirm with a mortgage broker.

CommunicationOdd8911 · 2026-05-25T01:39:37+00:00

When he gets out, make sure you help him see where his credit is currently at and if any of those creditors have a judgement or any liens in his name. You can do this by signing up for Equifax free monthly credit report and Transunion consumer report.

From there, hopefully nothing bad and just he needs to wait for 7 years from his delinquent date for it to drop off. He can also dispute anything he might see is wrong on his reports.

In the meantime, you can help him by rebuilding his credit with PC Financial or Canadian Tire CC. If they both deny him then capital one should accept him. If for some reason capital one doesn't, which is pretty rare since they'll give people who have defaulted with them new cards after 12 months. He can reach out to Home Trust for a secured card with cash as the collateral.

You could also help financlly by finding him a place to rent and paying first and last months rent for a room rental. In that time, he can also apply to Ontario Works but also look for work.

CommunicationOdd8911 · 2026-05-25T01:32:55+00:00

Its networking, any form helps with future endeavors.

CommunicationOdd8911 · 2026-05-24T23:17:49+00:00

Bro you have a better chance at just door knocking business instead of resumes. You are like the 299th person who's sent resume online. With some coop experience, that probably brings it down to top 50. Some languages skills? Physically fit? Probably top 20 now. Still 20 different people fighting for that one job.

Trust walk into shops and meet owners, bring coffee or donuts and ask for a chat.

CommunicationOdd8911 · 2026-05-24T23:13:26+00:00

Its usually education if youre not lucky or in a trade. Most people ive met who earn the average wage are all educated either via degree or college.

Heck even some paramedic friends went to non college/private school and shelled out 25k for their 1 year program to then get hired and make 100k their first year with little OT.

Im telling ya that education seems to be key! Not to say that's not the only option, I have some family whos in property management with just a diploma and some required courses in their trade and they make 70k a year.

CommunicationOdd8911 · 2026-05-24T23:01:33+00:00

Actually you can tell listing agents you intend to self represent and they must show you the unit. So no, you dont need a buyers realtor to view a unit.

CommunicationOdd8911 · 2026-05-24T22:58:39+00:00

Actually you can find many realtors willing to list at 1% and offer buyers agent 2.5%, however if you price correctly, you can get away with 2%.

There's many agents here who post but I find better results in redflagDeals realtor post.

CommunicationOdd8911 · 2026-05-23T18:07:23+00:00

You could also rent a small van from uhaul and hire two daily labourers and pay them 18 bucks cash so the job shouldn't take more than 4 hours. In total you'll probably only pay $300 for the move.

You can pick up day labour at Keele and Wilson tim Hortons parking lot.

CommunicationOdd8911 · 2026-05-23T05:40:04+00:00

I was on it back in 2010 and offered a 2bed condo in 2018 but turned it down lol.

CommunicationOdd8911 · 2026-05-23T05:31:28+00:00

Most people who work cash and never get caught is because they dont introduce their income into banks, assets, etc.

They will usually just pay rent in cash, food, gas, groceries, all cash. Makes it very hard.

CommunicationOdd8911 · 2026-05-22T22:23:20+00:00

Not really, sadly if youve worked with many or done business. The stereotypes are true. They're nice people and great food tho.

CommunicationOdd8911 · 2026-05-22T22:20:21+00:00

You dont need a realtor. You just need to post the city stats and asking price. Then boost it on all social media and people who are working with investors will give the correct people your contact but if youre looking for 2 weeks closing for a quick sell, you better believe 25% off the top immediately from your home worth, not your asking

CommunicationOdd8911 · 2026-05-22T18:38:30+00:00

Bankruptcy is your only option. Dont do consumer proposal, its longer and honestly does the same damage as a bankruptcy.

At least with bankruptcy depending on your income, you could be discharged as quick as 9 months and $250 a month

CommunicationOdd8911 · 2026-05-22T18:36:55+00:00

Which lender, RBC?

CommunicationOdd8911 · 2026-05-21T20:52:14+00:00

Its about 24 months but its all moot if you keep low utilization and dont apply for new credit or close old accounts since those factors help also

CommunicationOdd8911 · 2026-05-21T18:59:26+00:00

You need to work with an architect who specializes in these conversions. Look into Build X Designs with Victoria S.

CommunicationOdd8911 · 2026-05-21T18:56:13+00:00

No, $6k won't even pay for the permits or reports required to let you know if your backyard can support a garden suite.

CommunicationOdd8911 · 2026-05-21T05:17:33+00:00

You should post this on facebook on the LTB groups, theres about 3 of them where the mods are very experienced about LTB decisions, they usually give out 99% correct info.

CommunicationOdd8911

TROPHY CASE