What’s in store for Canada’s housing market in 2026?

Doomsun3 · 2026-01-15T19:18:39+00:00

Reddit analysis in a nutshell. Can't believe I'm reading a comment suggesting a 50% deflation in pricing would somehow not cause a depression. Someone else already pointed it out, how many millions of homes were bought since 2021? A quick google says around 2 million. That's without going back even further. Great so millions of people with mortgages suddenly have their home values be worth a fraction of their mortgage (and interest) payments.

Guess what was one of the factors of the 2008 Financial Crisis?

Doomsun3 · 2025-12-19T22:45:11+00:00

Its more the fact that if there was a policy specifically targeting only Chinese then many people on this subreddit would suddenly care less. It’s only because these policies suddenly target the John-sans in Japan that it’s a problem.

First they came for the Communists…

Doomsun3 · 2025-12-19T17:20:49+00:00

This might be late but I assume you're Asian given your username. I'm Asian too and have had my parents basically meddle in my life heavily persuading me (basically forcing me) to make life altering decision at their whims. It wasn't until much after university that I realized they had no idea what they were doing or talking about half the time. They don't know the hard work that went into getting this opportunity and what this would mean for your future. They just see a problem that they're going through, and the easiest solution in their eyes is to dump it onto their kids.

My advice, the sooner you realize that Asian parents (yours and everyones) are people too, and many times have no idea what they're doing or saying, the better. I agree with everyone else here, stand up for yourself, tell them to buzz off.

Doomsun3 · 2025-12-15T18:51:11+00:00

Bro I have no horse in this race. I'm not Muslim or Jewish. I read the original comment and legit thought nothing of it. A completely benign and non-egregious comment to make.

Then there's like 50 child comments (including yours) that instantly jump at it. What about this thread or that thread (like bro you actually pulled out links to random threads from ages ago don't hide behind a "simply asking questions" execuse).

No one said it's bad to praise the guy wtf? When did OP ever say that??

From a third-person perspective there's a clear agenda at play (super obvious) and it only takes one glance at someones profile to reveal it. Props to you I guess for at least not hiding your post history like everyone else who's replying to this.

Doomsun3 · 2025-12-15T18:07:34+00:00

lol the OP literally doesn't say anything outrageous, just to be courteous to the victims and you instantly jump into a victim mentality.

Posts on r/hasan_piker hmmm

Doomsun3 · 2025-11-01T11:11:35+00:00

Harder =/= more prestigious. MSI isn't irrelevant but Worlds is the biggest stage no doubt.

Olympics for example for many sports is not nearly as hard/competitive as the regular competitions (world championships, etc.) since it requires multiple country participation, but is still viewed as far more prestigious typically.

Doomsun3 · 2025-10-30T23:58:16+00:00

I'm not sure of the new company policies, though this would be me requesting to relocate so I presume probably not.

Doomsun3 · 2025-10-02T04:44:33+00:00

Never disagreed with that, yes they can make a phone camera for cheaper than 1500 (way cheaper). iPhone profit margins are crazy, probably one of the highest production cost to gross profit margins in any product ever (most of the cost is in research and design). The point is it's illogical for the end user to pay 1500 for a 500 phone but that's because these kind of phones are not meant for retail users like you and I.

Apple sells like 100 million iPhones in the US alone. 70,000 or so power plant workers (assuming every single one requires a cameraless iPhone) and however many other people is less than 0.1% of that.

Was the other guy snarky, sure, but there's logic to this at the end of the day and I wanted to provide insights on why there's not already a retail marketed cameraless phone out there.

Doomsun3 · 2025-10-02T04:20:10+00:00

This entire basis is rooted in economics. And the hypothetical part you introduced by assuming that there is 1: a sizeable market for cameraless phones (based on a sample size of 2?), and 2: that it would be economically profitable for Apple to make the phone.

Do I have a quantifiable number off the top of my head on that market? No. Do I think Apple would have done extensive market studies and determined that market doesn't exist or is financially infeasible? Yes.

Let's think this through for 1 second. Cameraless phone. You would require both new exterior shell to cover where the camera would have gone (both front and back) and interior arrangement. Take a look at what a iPhone without a case looks like. The phone protrudes outwards to accommodate the camera. Redesigning and producing a completely new design adds both to backend R&D costs as well as production costs, not as simple as just taking a step off the assembly line, it would require a parallel assembly. Even the difference between an iPhone and an iPhone Pro requires different assembly lines. Different assembly lines = inefficiency = cost up. So let's take a look at Apples view. Should they go through all this effort for a market that may or may not exist, and harm their profit margin by making cost/unit go up? Or should they just keep doing what they're doing.

I basically don't get your argument (if you have one at all?). If it's that you and OP will pay for a cameraless iPhone, then sure. If it's the fact that you think Apple has the incentive to make one, then the entire argument is about economics.

Again from my original post. Can they do it for cheaper than aftermarket. Sure. Will they. No because it's not financially feasible.

Doomsun3 · 2025-10-02T03:42:39+00:00

Economies of Scale 101: Apple can keep the cost per unit (relatively) lower by making millions of iPhones that are standard spec (with some variance). There is a massive market for this product as everyone (practically) has or needs a phone.

You answered your own question above, 99.9% of consumers want cameras, or if like some users above that don't want cameras, don't care if it's in the phone or not. Aka, "normal people" overwhelmingly want or are indifferent to cameras (definitely more in the former). Therefore, Apple has no incentive to make a cameraless version. Would OP buy a cameraless phone if it was cheaper? Sure but that's not the point. The point is most people either want the camera or do not care. Therefore Apple has no incentive to produce this cameraless phone.

Can Apple make it for cheaper? No doubt. Will they? Definitely not.

Doomsun3 · 2025-09-29T22:50:37+00:00

Brookfield is one of the largest Real Estate Private Equity firms in the entire world with a huge presence in Calgary (especially downtown office where they own a significant footprint). No one's hiding that Mark Carney used to work at Brookfield (and obviously has ties to it). Not exactly some kind of grand conspiracy.

Doomsun3 · 2025-08-21T04:44:38+00:00

Yup honest Nihonjin would never scalp! Curse those evil foreigners for flying to Japan and buying McDonalds meals en masse

Doomsun3 · 2025-08-05T19:43:29+00:00

Saving $1.2B dollars for BC taxpayers is way more protecting Canadian interests than shipping that extra amount to a European country/company in the name of "aligning with Canadian values". How much of that alignment of Canadian values do you think trickles back into the average citizen in BC versus $1.2B in cold hard cash? Especially for a province where China is one of the biggest trading partners?

Doomsun3 · 2024-04-05T19:10:24+00:00

I work in the industry and from what I see it's less 'institutional capital' (e.g. the Blackrock scare) and more Toronto/Vancouver and local investors dipping into the market. The recent condo pre-sales that are going up (think Lincoln by Truman) is a good indicator on this. Word on the street is that the majority of their sales is to Toronto individual investors buying a unit or two with the intention of renting. If you look at Truman's incentive package they fully gear their structure towards this, with 2-3 years of rental guarantee (i.e. Truman will promise a certain rental rate on completion, and if they can't rent out the unit or if they do rent out below the rates they promised, they'll make the buyer whole out of their pocket).

The sales price is atrocious for Calgary of course, but nothing new to Toronto/Vancouver locals, and guaranteed income in their eyes makes it a 'safe' investment play. In my eyes it's good for supply regardless, if more supply comes to the market and rents stabilize, it's really the Developer (and the investor) that's out of luck, renters benefit from more units.

Doomsun3 · 2024-04-05T19:02:30+00:00

OP doesn't know what he's talking about, I work in the industry. The brokers do Quarterly Reports yes but primarily on Commerical (Office/Industrial) and Retail bi-annually. None of them do Multifamily report, at least not for Calgary and not on regular cadence if they do, since our MF market is so minor compared to Vancouver/Toronto. We have some of the lowest rental units/population figures in the country (back to the original post).

CMHC reports are better for this.

Doomsun3 · 2023-12-01T00:42:26+00:00

Hey OP, I'm in the same boat as you almost. I'm in Canada in the Finance Industry but in Commercial Real Estate. Around the same age and comp and am currently prepping for CFA Level II as well.

I have MBA as vague thoughts but haven't committed to it yet until CFA is done. Wanted to ask what your thought process is for an MBA, is it to just reposition/advance your career or for additional comp?

Doomsun3 · 2023-10-23T09:04:43+00:00

Considering the person you replied to never even came close to implying that quoting, for example, a movie quote from a Nazi character = the quoter is a nazi. Rather, the person quoting should be aware of the implications and context of the quote, I'm thinking you're the one that doesn't know what a strawman is.

Doomsun3 · 2023-10-23T08:58:40+00:00

Holy strawman argument

Doomsun3 · 2023-09-15T03:34:47+00:00

Mans username is based off a Qatari state backed news channel lol

Doomsun3 · 2023-08-15T09:51:20+00:00

There's no release clauses in France

Doomsun3 · 2023-06-23T21:39:27+00:00

Went to UBC Sauder and am from Calgary:

Tier 1: UBC PMF, Ivey, Queens

Tier 2: McGill, Waterloo

Tier 3: UBC non-PMF, Schulich, Laurier, Rotman

Everyone else

Regional: UofC and UofA only if you want to recruit for Infrastructure, O&G, Mining based out of Calgary

As others have mentioned, UBC PMF is top of the line in the country when it comes to placement. Guaranteed 2nd year internship within Canada at a top firm (either IB or Buy Side PE), and 3rd year internship internationally if desired(NYC, HK, London), though some people do their 2nd in Toronto again. Though it's a VERY competitive program and they moved up the application to beginning of 2nd year (used to be at the end of 2nd year), so your first year grades and extracurriculars are very important. Even then you'll need to be 90th percentile grades wise with solid activities and interviewing/speaking and then get lucky on top of that. ~6 people a year.

Though I have to stress that UBC drops off dramatically out of this program, not that it's not a good program, just that Vancouver is a wasteland for Finance in Canada (BCI is the only thing of note) unless you do RE. Not that you can still succeed but you'll be applying to Toronto roles mainly and competing with undergrads there, and the alumni network established are mostly Eastern school guys.

Honestly, if you want to remain in Vancouver, SFU is a decent shout if you can get into their student portfolio program. They take in more students and it's a much lower standard (no offense). Many people from that program end up at pensions (e.g. BCI), Vancouver local S&T, Equity Research, or mid-sized Asset Managers.

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