Truth About Real Estate Investing - Build 6 Units in Toronto and Pay Zero Development Charges

Andy Tran returns to break down the ONE strategy that sidesteps development charges, unlocks commercial financing, and works on a single Toronto lot. Here's the full breakdown. Architect and Suite Additions founder Andy Tran is back -- and in 2026, he's zeroed in on what he calls the sweet spot: building 4+1 and 6+1 units in Toronto. No development charges. As-of-right construction. MLI Select financing. Better tenants. And the option to condominiumize and sell individual units to immigrant families who want ownership. Andy walks through exactly how it works, who it's for, and how passive an investor can realistically be. In this episode: ✅Why 4+1 and 6+1 are the sweet spot (and why 10-unit builds lose the key advantage) ✅How Toronto's elimination of floor space index lets you build more square footage ✅The condominiumization strategy: build to sell to immigrant families at $700-800K per unit ✅Two types of investors -- equity builders vs cashflow seekers -- and which strategy fits each ✅How to be almost fully passive: designer gets the permit, Tarion builder does the work ✅Andy's free Ontario Missing Middle Toolkit (30-page PDF, suiteadditions.com) 🔗Connect with Andy Website: suiteadditions.com YouTube: suiteadditions Free guide: Ontario Missing Middle Toolkit -- download at suiteadditions.com 📌 Timestamps 00:00 – Show Intro 06:37 – Where are we in the real estate market cycle in 2026 10:20 – Why new construction no longer makes sense for most builders 12:15 – Lessons learned from large‑scale development projects 18:00 – Why traditional homes and condos no longer pencil 20:25 – Garden suites vs buying another property 23:20 – When garden suites make sense for investors 31:13 – The real estate “sweet spot”: 4+1 and 6+1 explained 40:00 – Why 4+1 & 6+1 units avoid development charges in Toronto 44:28 – Why Toronto tenants outperform other markets 1:15:29 – Final advice for real estate investors in 2026 ____________________________________ This podcast episode is also available on: 👉On iTunes: https://podcasts.apple.com/ca/podcast/build-6-units-in-toronto-and-pay-zero-development-charges/id1100488294?i=1000755965117 👉On Spotify: https://creators.spotify.com/pod/profile/erwinszeto/episodes/Best-Selling-REI-Author-About-Lows-Of-Near-Bankruptcy-and-Recovery-to-Leading-Developer-e3gmrkj 👉Amazon Music: https://music.amazon.ca/podcasts/40fe627d-dec7-4f5d-b7e5-90a550fffe46/episodes/ccaf1515-6382-4aee-8eff-984a7500ff41/the-truth-about-real-estate-investing-for-canadians-best-selling-rei-author-about-lows-of-near-bankruptcy-and-recovery-to-leading-developer 👉Audible: https://www.audible.ca/podcast/Best-Selling-REI-Author-About-Lows-Of-Near-Bankruptcy-and-Recovery-to-Leading-Developer/B0GTVYNVS7?source_code=ASSGB149080119000H&share_location=pdp _____________________________________ 👉 WATCH NEXT: ▶️An American Virtual Wholesaling From Canada: https://youtu.be/S8JGDlNMA0g ▶️Managing Six Figure AirBnbs in Canada & USA: https://youtu.be/eKYCQlF9hZk ▶️Navigating Legal Structures and Taxes: A How To for Canadians Investing in the U.S.: https://youtu.be/S2mOXOlLlnU ▶️From International Student to Stock Option Investment Coach and USA Apartments: https://youtu.be/l51IPiOVRPg ▶️How a Nurse Became a Millionaire & Top 1% Realtor: https://youtu.be/95XaZSoLy54 _____________________________________ 👉 WANT TO BUILD WEALTH WITH REAL ESTATE? If you’re interested in being a successful real estate investor like those who have been featured on this podcast and our hundreds of successful clients, please let us know. New investor or seasoned veteran investor, we can help anyone by providing our award-winning coaching services, and this isn’t all talk. Only work with the best is what my father always taught me. If you’re interested, drop us an email at [email protected]. I hope to meet you at one of our meetups soon. _____________________________________ 👉 SIGN UP TO FOR THE IWIN REAL ESTATE NEWSLETTER AND GET PODCAST EPISODES SENT TO YOUR INBOX: https://www.truthaboutrealestateinvesting.ca/ _____________________________________ 👉CHECK OUT MY LATEST GUIDE ON THE BEST CITIES TO INVEST IN THE USA https://sharesfr.com/partners/iwin ____________________________________ 👉 FIND ME ON SOCIAL MEDIA: Facebook: https://www.facebook.com/erwin.szeto Instagram: https://www.instagram.com/erwinszeto/ _____________________________________ #truthaboutrealestateinvesting #ErwinSzeto #RealEstateInvesting #Canada #realestatecanada #TorontoRealEstate #MissingMiddleHousing #4plus1 #6plus1 #RealEstate2026 #MultiUnitInvesting #RealEstateDevelopment #GardenSuites #CMHCFinancing #PassiveIncomeCanada #RealEstateStrategy #PropertyInvesting