Access Realtor: R. A. Malik

Macro/Micro Insights & Info. Navigating Risks & Rewards of Real Estate 🏡 HomeLife Landmark Realty Inc. •Buy•Sell•Invest•
Sprinkle of Sports, Travel & Politics

[Access Realtor: R. A. Malik @Access_Realtor]

POST 2/2: Neighbours mentioned ~100 break-ins in a 3h window just 2w ago. Same stretch of Milton. So which is it? Are we a community that can't enforce traffic laws, and/or one that can't protect homes? Need concrete answers from candidates on public safety. Not soundbites!

[Access Realtor: R. A. Malik @Access_Realtor]

POST 1/2: Horrific crash on an East Milton neighbourbood street. Car smashes a tree & signpost ~11:40p. Got it on video. Driver racing down wrong side of the road, tires screaming, metal crunching. Driver lucky to have survived unscathed.

But here's what really kept me up....🧵

[Ron Butler @ronmortgageguy]

Will Mortgage Delinquencies Hit 2008 Levels? They Absolutely Will

Mortgage Delinquency & Default are very much lagging indicators

People will stop paying everything else before they stop paying the mortgage

But the RE disaster stemming from 2021 Price Insanity can't be stopped

[Rohit @heyrohitai]

🚨 SOMEONE JUST KILLED THE REAL ESTATE INDUSTRY

A guy scanned an entire house with his phone. Uploaded it.

Now anyone on Earth can walk through it in a browser tab. No app. No VR. No agent. No appointment.

Click → you’re inside. Every room. Every angle. Every shadow. Photoreal.

The numbers are insane:

* Agent fee on a $500k home: $15,000
* Cost to make this scan: ~$200
* Time to “tour” 50 houses: one evening
* File size: smaller than a TikTok

The science is wild too:

It’s called 3D Gaussian Splatting instead of polygons (how games render), it uses millions of tiny glowing “splats” of color and depth.

AI reconstructs reality from your photos. The result loads on a phone and looks like you’re THERE.

The grift opportunity is even wilder:

Freelancers are already charging $300–$800 per scan for realtors, Airbnbs, venues, car dealers, and museums.

One person + one phone + one weekend = a business.

100% Open source. Built on PlayCanvas.

[Joseph E. Barbuto | 🌊 The Economic LongWave @TheELongWave]

https://t.co/tR9omHBs1j

[Shazi @ShaziGoalie]

🚨 Toronto home sales just hit levels not seen since 2000 despite a much larger population.

Vancouver has record listings and no buyers.

Rates down. Prices down. Sales still dead.

This is what demand destruction actually looks like.

[Access Realtor: R. A. Malik @Access_Realtor]

@_APDP Sala’am….have a look. I created and produced this track, presenting it with a cinematic visual inspired by the plight of Kashmiris and missing persons. Keep in your prayers and feel free to share…

https://t.co/SxI4BLaF0r

[Shazi @ShaziGoalie]

You’re told “brand new” means safe.

This one-year-old precon home was allegedly hiding mushroom colonies, mold spores, dry rot, twisted joists, and structural decay behind the walls.

Wood left exposed. Waterproofing failed. Health risks ignored. Inspectors missed it. Warranty won’t act.

If you’re buying precon, watch this before you sign anything.

[Access Realtor: R. A. Malik @Access_Realtor]

@danielfoch And here's the voter turnout for 18 to 24s in the past few elections. Quite the drastic drop indeed!

[Shazi @ShaziGoalie]

Oakville’s detached market isn’t just cooling — it’s following a clear, measurable downtrend.

The YoY decline now sits at -11.5%, with the average detached price falling to $1.887M in November.

What’s striking is how closely this lines up with the shorter-term correction. From early June until now, our tracking showed detached values sliding roughly 7% to 10%, depending on the pocket and list-to-sale pressure. Two different timelines. Same directional move. Same magnitude.

This is what a synchronized market outflow looks like.
High-end markets correct first, correct faster, and correct deeper when demand fades and liquidity evaporates. Sellers are capitulating quietly, and the math is starting to expose what the headlines still aren’t saying out loud.

[Access Realtor: R. A. Malik @Access_Realtor]

IMF says Canada’s financial system is resilient but warns of rising risks from household debt & mortgage renewals. Global growth forecast raised to 3% (2025) & 3.1% (2026), helped by softer US tariffs—though high tariffs may fuel uncertainty.
https://t.co/RYj1Va5ZlD

[Ron Butler @ronmortgageguy]

Nothing Illustrates How Young Canadians Have Been Abused By Unaffordable Real Estate As Well As This Chart

An affordable home to buy has always been defined as 3X to 4X average family income

At some points 35 years ago it was 2.5X

This is a National disgrace

[Marc Nixon @MarcNixon24]

WARNING from the Bank of Canada:

60% of Canadians will face much higher mortgage rates over the next 12 months
Job losses could spike
Defaults may surge
Liquidity could dry up—making credit hard to access

When the BOC provides a warning ‼️
This could get UGLY

[Access Realtor: R. A. Malik @Access_Realtor]

@ronmortgageguy Plus add the NDP seats from their downfall and voila!

[Access Realtor: R. A. Malik @Access_Realtor]

Friday’s employment data from Statistics Canada showed a loss of 33,000 jobs in March—the first decline since January 2022—amid rising tariff uncertainty and tensions with the United States. The unemployment rate ticked up to 6.7%, the first increase since November.

[Access Realtor: R. A. Malik @Access_Realtor]

Boom. OVI. 895. 2005.04.06.

So it has been recorded, so it shall be remembered: On this day, the Great 8 became the greatest goal scorer of all time.

[Access Realtor: R. A. Malik @Access_Realtor]

During 2021-22, 10yr fixed mortgage rates in Canada were at historically low levels.

In 2021, the lowest available 10yr fixed rate was approximately 2.14% 😲

For instance, some borrowers reported securing 10yr fixed mortgages at this rate in early 2021. Imagine THAT!

[Daniel Foch @danielfoch]

Wild numbers coming out of TRREB today.

- Sales down 27.4%
- New listings up slightly
- Active listings up 76.0% (!!!!!!)
- Nominal price down 2.2%
- Real house price down 4-5%
- Days on market continue to climb

Spring buyers market, imo.

[Access Realtor: R. A. Malik @Access_Realtor]

📢 Canadian gov deferring capital gains inclusion rate increase to Jan 1, 2026. Changes include $250K annual threshold, higher $1.25M lifetime exemption & new Cdn Entrepreneurs’ Incentive, lowering inclusion rate to 1/3 on up to $2M in lifetime gains to support business growth.

[Shazi @ShaziGoalie]

The GTA condo market is drowning.

Thousands of units up for lease in just 90 days—a tidal wave of supply.

Landlords are stuck, renters have leverage, and investors are bleeding.

The cracks are widening, and the crash might be inevitable.