{"id":539,"date":"2022-03-01T15:00:38","date_gmt":"2022-03-01T20:00:38","guid":{"rendered":"https:\/\/blog.mortgageinsurancegroup.ca\/?p=539"},"modified":"2022-03-01T12:35:06","modified_gmt":"2022-03-01T17:35:06","slug":"real-estate-as-investment-pros-and-cons","status":"publish","type":"post","link":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/","title":{"rendered":"Real Estate As Investment: Pros And Cons"},"content":{"rendered":"<p><span style=\"font-weight: 400\">Most people thinking of buying real estate as an investment often wonder if it\u2019ll be worth it. Is real estate a good investment? Truthfully, there\u2019s no easy answer to that. Property as investment <\/span><i><span style=\"font-weight: 400\">can<\/span><\/i><span style=\"font-weight: 400\"> be lucrative and is considered as generally relatively safe, but it does come with its own risks and things to consider.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Below we have compiled a guide to real estate as an investment, where we\u2019ve assembled information on:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Potential real estate pros and cons<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Real estate investing tips<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The difference between commercial and residential real estate<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">How mortgage insurance can offset risk<\/span><\/li>\n<\/ul>\n<h2><strong>Are Real Estate Investments Safe?<\/strong><\/h2>\n<h3><strong>Pros:<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Real estate investments are often considered a generally safe avenue to generate income.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">The Canadian housing market is fairly stable with <\/span><a href=\"https:\/\/www.wealthsimple.com\/en-ca\/learn\/real-estate-investing\"><span style=\"font-weight: 400\">steadily rising property values<\/span><\/a><span style=\"font-weight: 400\">. While in many areas of the world building home equity can take years or decades, the Canadian market is generally hot with home values appreciating not only yearly, but monthly (Toronto or Vancouver, anyone?).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Renovating or tearing down and rebuilding a property can be a reliable way of building home equity in a short time span as well.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Whether you\u2019re buying real estate as your primary residence to passively accumulate equity over time or to rent out as a rental property, both are generally steady, reliable ways of investing.\u00a0<\/span><\/p>\n<h3><strong>Real Estate Investment Risks To Take Into Account:<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Real estate investment may seem risk-free, but there are some setbacks to consider.<\/span><\/p>\n<h3><b>Choosing The Wrong Location<\/b><\/h3>\n<p><span style=\"font-weight: 400\">The location of your property can make it difficult to rent or can affect its appreciation. Do your research and find the best areas where you want to buy to get the most out of your investment.\u00a0<\/span><\/p>\n<h3><b>Negative Cash Flow<\/b><\/h3>\n<p><span style=\"font-weight: 400\">When acquiring a property, plan out the income versus the expenses that will be generated. Otherwise, you can end up with a negative cash flow. Negative cash flow is when the cash outflows are bigger than the income and can originate due to high vacancy of the property, higher than expected maintenance expenses, or not charging enough rent, among other factors.<\/span><\/p>\n<h3><b>High Vacancy Rates<\/b><\/h3>\n<p><span style=\"font-weight: 400\">If you own property with the intention of renting out, you need tenants to generate rental income. However, there is always the risk of a high vacancy rate when investing in real estate. Moreover, this becomes more of a concern when you need that income to pay the mortgage, property taxes, maintenance, or other expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The only way to avoid this problem is to buy a property that is in high demand. That means that your property must have a good location, a rental price in line with the market range, and list your rental where prospective renters can find it, perhaps with the help of a realtor.\u00a0<\/span><\/p>\n<h3><b>Problem Tenants<\/b><\/h3>\n<p><span style=\"font-weight: 400\">One of the most recurring problems when investing in real estate is problem tenants. A bad tenant can bring with it a myriad of problems. The most recurrent ones are not paying the rent, not reporting maintenance problems, housing more people than allowed in the contract, or neglecting or even damaging the property. Depending on your province, it can be difficult to <\/span><a href=\"https:\/\/rentals.ca\/blog\/a-step-by-step-guide-to-evicting-a-tenant\"><span style=\"font-weight: 400\">evict a problem tenant<\/span><\/a><span style=\"font-weight: 400\"> even with cause.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The only way to protect yourself from tenant problems down the road is to conduct a thorough screening process to minimize risk. While this can take a bit more time and back-and-forth, it can save you a lot of headache (and money!)in the long run. Be sure to check references, run a credit check, and verify applicants\u2019 incomes to ensure they can indeed cover their monthly rent.<\/span><\/p>\n<h3><b>Lack Of Liquidity<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Another drawback of investing in real estate is the lack of liquidity. Unlike stocks or mutual funds, which are easier to sell, with a property, you could end up selling it at a price below market cost if you need the money urgently. However, it\u2019s possible to take advantage of the equity in your property to apply for a home equity loan or a home equity line of credit (HELOC).\u00a0<\/span><\/p>\n<h3><strong>Negative Returns\u00a0<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">There are a number of factors that can cause your investment to drop in property value or otherwise yield negative returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">While there are certain things you can do to protect yourself against such risk, other factors can be unforeseen and\/or out of your control. Be sure to do your due diligence by working with an experienced realtor and home inspector.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Hidden costly faults in the construction including but not limited to: foundation, insulation, plumbing, electrical, roofing, HVAC<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Unexpected problems down the road\/maintenance and upkeep (mold, roof replacement, HVAC replacement, etc)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Market downturn or correction<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Nearby construction affecting property value (loud train track installation, low-income\/public housing, etc)<\/span><\/li>\n<\/ul>\n<h2><strong>How Investing In Real Estate Helps You Build Wealth<\/strong><\/h2>\n<p><span style=\"font-weight: 400\">Real estate is commonly considered one of the most stable and secure ways to build wealth. In addition to almost-guaranteed home value appreciation, there is no capital gains tax on the primary residence in Canada, which means that your wealth will continue to grow.<\/span><\/p>\n<p><span style=\"font-weight: 400\">It is a reality that Canadians today consider their home as a long-term real estate investment and not just a place to live. Home prices in the Canadian housing market continue to rise. For example, in November 2021, the average property value stood at $720,850. <\/span><a href=\"https:\/\/wowa.ca\/reports\/canada-housing-market\"><span style=\"font-weight: 400\">That is up 19.6% year-over-year from November 2020.<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400\">Although the federal government has tightened mortgage regulations in the face of falling interest rates in the Canadian real estate market, investing in real estate is still considered a safe investment option for building wealth.<\/span><\/p>\n<h3><strong>Types Of Investment Properties<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">All properties are investment properties and can be divided into two different types. The first is the primary residence (the house you live in). The second is what we can define as an investment property. It is a property whose objective is to generate cash flow &#8211; either from leasing to tenants, flipping, or otherwise.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Finally, it is advisable to hire a property manager if you do not have experience in this area. A property manager will be in charge of repairs, communication with tenants, and property management on your behalf.\u00a0\u00a0<\/span><\/p>\n<h2><strong>How To Invest In Real Estate In Canada<\/strong><\/h2>\n<figure id=\"attachment_542\" aria-describedby=\"caption-attachment-542\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-542 size-large\" src=\"https:\/\/blog.mortgageinsurancegroup.ca\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-547451008-1024x683.jpg\" alt=\"How To Invest In Real Estate In Canada\" width=\"800\" height=\"534\" srcset=\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-547451008-1024x683.jpg 1024w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-547451008-300x200.jpg 300w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-547451008-768x512.jpg 768w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-547451008-1536x1024.jpg 1536w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-547451008-2048x1365.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-542\" class=\"wp-caption-text\">How To Invest In Real Estate In Canada<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Self-managing your property can be extremely time-consuming and expensive. You have to take care of your renters and construction costs. If you need a little extra help with this you might hire a property manager.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">You can either completely reduce the hassle by establishing <\/span><a href=\"https:\/\/blog.remax.ca\/everything-you-need-to-know-about-reits\/\"><span style=\"font-weight: 400\">REITs<\/span><\/a><span style=\"font-weight: 400\"> or Property Investment Trusts. It can be bought separately from an ETF or by purchasing all the REITs from another ETF. REIT investments offer an inexpensive, easy way for you to start investing in the property industry. REITs are corporations that own large parts of the property and then lease the land to various investors.\u00a0<\/span><\/p>\n<h3><strong>Real Estate Investment Groups<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">REIG is a type of fund that invests in properties. If you are looking to acquire an apartment and want a place in the neighborhood without having to deal with landlords or tenant issues then an investment company could make the right investment decision for you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Companies will buy or construct buildings, sometimes apartments, and then let investors buy them in their company and thus join the organization. An individual investor can buy one apartment or several. But the firm manages it runs the investment group all over it, managing maintenance, advertising, and searching occupants and tenants on site. This management enables them to collect a portion of their monthly rent from their employees.<\/span><\/p>\n<h3><strong>Real Estate Mutual Funds<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Mutual funds invest mainly in REITs and property operators. They provide an excellent way for investors to obtain diversified exposure to properties with very little capital investment. According to their strategies and diversification goal, investors receive broader asset choices compared to buying specialized REITs. Like REITs, these investments have a very good liquidity profile.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Another major advantage of this type of investment is that it provides reporting and research data to its clients for review. This includes information about the acquired assets and management perspectives on the viability of real estate investments and asset classes.<\/span><\/p>\n<h2><strong>Why Do People Invest In Real Estate?<\/strong><\/h2>\n<figure id=\"attachment_545\" aria-describedby=\"caption-attachment-545\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-545 size-large\" src=\"https:\/\/blog.mortgageinsurancegroup.ca\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1173335945-1024x683.jpg\" alt=\"Why Do People Invest In Real Estate?\" width=\"800\" height=\"534\" srcset=\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1173335945-1024x683.jpg 1024w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1173335945-300x200.jpg 300w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1173335945-768x512.jpg 768w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1173335945-1536x1024.jpg 1536w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1173335945-2048x1365.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-545\" class=\"wp-caption-text\">Why Do People Invest In Real Estate?<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Canadian property investment is often considered to be among the best business opportunities and is far more stable than real estate in many other areas of the world. The barriers to entry are fairly accessible for those with the capital to invest, otherwise requiring only basic knowledge on real estate investing. There are even investment property firms which help with the day-to-day of managing investments, which can make real estating investing in Canada more hands-off.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Due to banks lending money at relatively low rates, this makes a property as investment an attractive option for those who can qualify for a loan.<\/span><\/p>\n<h2><span style=\"font-weight: 400\"><strong>Tips To Consider Before Investing In Real Estate<\/strong>\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Real estate investment is not always risk-free. Having the down payment to buy the house is not the only element to take into account. There are other essential factors to consider making this experience as smooth as possible. After all, this is perhaps the most important purchase you will ever make.<\/span><\/p>\n<h3><b>Educate Yourself<\/b><\/h3>\n<p><span style=\"font-weight: 400\">The real estate market is in constant movement. That&#8217;s why staying informed of trends and forecasts is a priority. Remember not to rely on a single source. Research, read, and educate yourself. There are many online resources and investment associations where you can find answers to your questions.\u00a0<\/span><\/p>\n<h3><b>Be Realistic About Your Budget<\/b><\/h3>\n<p><span style=\"font-weight: 400\">The first thing you should do is calculate the money you have and the money you can borrow before getting into real estate investment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Next, calculate the purchase price plus the renovation of the property. Finally, keep in mind that the main risk when investing in real estate is spending more than you can afford. To solve this problem, you can talk to a lender or use an <\/span><a href=\"https:\/\/www.cmhc-schl.gc.ca\/en\/consumers\/home-buying\/calculators\/affordability-calculator\"><span style=\"font-weight: 400\">online calculator, such as Canada mortgage and housing corporation<\/span><\/a><span style=\"font-weight: 400\">, to give you a better idea if you are in a position to make this investment.\u00a0<\/span><\/p>\n<h3><b>Prioritize Accordingly<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Before buying your first property, try to pay off all your debts (student loans, medical bills). Otherwise, instead of seeing positive results, you will end up owing more money than you can afford.\u00a0(This excludes leveraged loans.)<\/span><\/p>\n<p><span style=\"font-weight: 400\">Don&#8217;t forget to check if you are eligible for the <\/span><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/what-home-buyers-plan.html\"><span style=\"font-weight: 400\">Home Buyers&#8217; Plan (HBP)<\/span><\/a><span style=\"font-weight: 400\">, a first-time homebuyer incentive. The program offers 5 or 10% of the home&#8217;s purchase price to put toward a down payment. It also helps reduce monthly mortgage payments without adding financial burdens.<\/span><\/p>\n<h3><b>Improve Your Credit Score<\/b><\/h3>\n<p><span style=\"font-weight: 400\">If you don&#8217;t have the minimum credit score required for a mortgage loan, it may be difficult to get one. Credit scores in Canada range from poor (around 300) to excellent (900), and the minimum score required for a loan is 650. Starting at 650, lenders consider you a safe candidate for a mortgage loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">On the other hand, if you are looking to improve your credit score, you should pay your bills on time and consolidate your debt, among others, in order to build your credit score back up over time. If you want to learn more about improving your credit score, <\/span><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/credit-reports-score\/improve-credit-score.html\"><span style=\"font-weight: 400\">you can find more information here.\u00a0<\/span><\/a><\/p>\n<h3><b>Get A Real Estate Agent<\/b><\/h3>\n<p><span style=\"font-weight: 400\">A real estate agent can be an essential element for purchasing a property. Though you don\u2019t have to hire a real estate agent, a novice can quickly become overwhelmed without the expertise of a real estate professional.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">A real estate agent&#8217;s job is to guide you in any real estate-related endeavors. This can include:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Updating you on current real estate market conditions<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Finding exclusive listings<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Negotiating on your behalf<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Walking you through paperwork<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Connecting you with home inspectors<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Showing and listing your home to prospective renters\/buyers<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A good real estate agent can help you tremendously, so don&#8217;t skimp on the time invested in finding the right one. Keep in mind that it should be a person you feel comfortable asking all kinds of questions. Remember that you are making one of the most important investments of your life.<\/span><\/p>\n<h3><b>Location Is Everything<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Location is perhaps the main factor when it comes to buying a property. This element is so influential that even if the house is not in the best possible condition, real estate investors will look to buy it simply because of where it is located. A good location is when the property is close to shopping areas, public transportation, or businesses, or is simply in an area with high property values.<\/span><\/p>\n<h3><strong>Become Familiar With The Market<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">The current housing market trend determines how well an investment is going to perform and how fast. All people thinking about buying homes should be aware of the real estate market\u2019s history as well as the expected trends.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">It can also be useful to evaluate historical information alongside current trends. Real estate is often seen as an industry that is cyclical due to the impact of the economy. Understanding the data in the market will help you get the market right.<\/span><\/p>\n<h2><strong>Commercial VS. Residential Real Estate Investing<\/strong><\/h2>\n<p><span style=\"font-weight: 400\">To know which is the best form of investment we need to be clear about the difference between the two. The different avenues have their advantages as well as challenges that should be carefully examined in relation to objectives, risk tolerance, capital, and timing. This will give you an idea of which investment options will be most effective in your situation.<\/span><\/p>\n<h3><strong>Benefits Of Commercial Real Estate Investing<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">The market for commercial land consists of two different types: apartment buildings and commercial buildings including warehouses and offices. Although both are commercial properties, the differences are significant. Commercial property is typically classified as a home or apartment that has five or more apartments that are used as living space. Investors buying condominiums, duplexes, and quadruples will therefore consider commercial real estate. Compared to apartment-type commercial buildings, office buildings and stores are usually the most popular commercial buildings with businesses.<\/span><\/p>\n<h4><b>Long-Term Leases<\/b><\/h4>\n<p><span style=\"font-weight: 400\">Commercial property usually has longer leases than residential property. Residence property leases generally last 6-12 months, whereas commercial leased land may last several months. Some properties are offered for lease with lease periods between 10 years. Commercial leases provide a means of protecting investments over long periods of time. Leasing for longer periods may allow tenants to stay longer while preserving cash flow, while reducing vacancy rates. It can be safer (and more hassle-free) than residential housing, which usually experiences quick rent turnovers.<\/span><\/p>\n<h4><b>Higher Return On Investment<\/b><\/h4>\n<p><span style=\"font-weight: 400\">Returns on investments are average ratios for gross income minus investments. The ratio determines what a person&#8217;s earnings are after the necessary payment has been paid back. This is determined using an equation as follows: ROI = Investment Return &#8211; Investment Expenses.\u00a0<\/span><\/p>\n<h3><strong>Benefits Of Residential Real Estate Investing<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Like a family, homes are very different. Condominiums often come in high demand in cities due to their compact size. Single-family homes are houses meant for single-family occupancy with direct access to the street. A vacation home is usually a secondary residence situated in a tourist destination. This property is an excellent getaway for families and can usually be booked for weeks or even months in advance. These properties are different in size, locations, and purposes, but are all listed as residential real estate.\u00a0<\/span><\/p>\n<h4><b>New Residential Rental Property Rebate (NRRP)<\/b><\/h4>\n<p><span style=\"font-weight: 400\">Investors must pay HST on investment property. The property may cost far more in value than originally planned. Fortunately, new investors can use the New Residential Rental Property (NRRP) Rebate to reduce their financial stress and lower their monthly expenses. The HST refund is available for investors who have recently purchased constructed or completed renovations of the rental properties. The rebate is intended primarily to repay the vast majority of HST provided investors apply for the NRRP rebate within two years of purchase.<\/span><\/p>\n<h4><b>More Potential Tenants<\/b><\/h4>\n<p><span style=\"font-weight: 400\">For better or for worse, as home and other costs of living prices rise more people remain rented for longer. Investors and landlords benefit because there are more potential tenants with the added benefit of being able to be selective about which renters they accept.<\/span><\/p>\n<h2><strong>Protect Your Real Estate Investments\u2026and your loved ones<\/strong><\/h2>\n<figure id=\"attachment_547\" aria-describedby=\"caption-attachment-547\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-large wp-image-547\" src=\"https:\/\/blog.mortgageinsurancegroup.ca\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1317532818-1024x683.jpg\" alt=\"Protect Your Real Estate Investments\u2026and your loved ones\" width=\"800\" height=\"534\" srcset=\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1317532818-1024x683.jpg 1024w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1317532818-300x200.jpg 300w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1317532818-768x512.jpg 768w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1317532818-1536x1024.jpg 1536w, https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1317532818-2048x1366.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-547\" class=\"wp-caption-text\">Protect Your Real Estate Investments\u2026and your loved ones<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">If you buy a home with a downpayment of less than 20%, you will require\u00a0 <\/span><a href=\"https:\/\/www.cmhc-schl.gc.ca\/en\/consumers\/home-buying\/mortgage-loan-insurance-for-consumers\/what-is-mortgage-loan-insurance\"><span style=\"font-weight: 400\">CMHC insurance which is mandatory by law in Canada.<\/span><\/a><span style=\"font-weight: 400\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">CMHC insurance protects the lender (often case the bank) in the event you can no longer meet your payments. But about protection for you and your family?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">In the event of a homeowner\u2019s death, before they can pay off your mortgage, the onus then falls on the next kin &#8211; usually a partner &#8211; to take overpayments. If they\u2019re unable to, the property may get repossessed by the lender.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">As much as we don\u2019t like to think it, this scenario is more common than we\u2019d like to imagine. Mortgage life insurance is a type of <\/span><a href=\"https:\/\/mortgageinsurancegroup.ca\/our-plans.php\"><span style=\"font-weight: 400\">term life insurance designed to protect your loved ones<\/span><\/a><span style=\"font-weight: 400\"> in the event of your death while a mortgage is outstanding.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Unlike traditional life insurance, the direct beneficiary of the policy is the lender, and the set term corresponds to that of your mortgage. As the name suggests, mortgage life insurance is a type of personal protection solution specifically designed to pay off your mortgage. Unlike CMHC insurance, a <\/span><a href=\"https:\/\/mortgageinsurancegroup.ca\/comparison-chart.php\"><span style=\"font-weight: 400\">mortgage life insurance policy protects your loved ones and not your lender.<\/span><\/a><span style=\"font-weight: 400\">\u00a0<\/span><\/p>\n<h2><strong>Mortgage Insurance Group is your best choice<\/strong><\/h2>\n<p><span style=\"font-weight: 400\">Navigating the real estate market is not an easy task. Loans, paying off outstanding debts, finding the right home, making a down payment&#8230; are just some of the elements to consider before starting this journey.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">That&#8217;s why we&#8217;ve created<\/span><a href=\"https:\/\/mortgageinsurancegroup.ca\/you-choose-beneficiary.php\"><span style=\"font-weight: 400\"> mortgage life insurance that backs you and protects you<\/span><\/a><span style=\"font-weight: 400\"> &#8211; <\/span><span style=\"font-weight: 400\">not<\/span><span style=\"font-weight: 400\"> your lender.<\/span><\/p>\n<p><span style=\"font-weight: 400\">We have made our mortgage life insurance affordable and easy to obtain: no medical exams, no face-to-face meetings, no tedious paperwork. We offer up to $1,000,000 in coverage, and you can decide for how long you want the protection (10, 20, or 30 years).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">At Mortgage Insurance Group, we pride ourselves in the <\/span><a href=\"https:\/\/mortgageinsurancegroup.ca\/customizable-plan.php\"><span style=\"font-weight: 400\">flexibility of our plans.<\/span><\/a><span style=\"font-weight: 400\"> Unlike other options on the market, your coverage can remain in force, and <\/span><a href=\"https:\/\/mortgageinsurancegroup.ca\/paid-off-mortgage-protection.php\"><span style=\"font-weight: 400\">your family can use the monetary benefit in the way that suits them best<\/span><\/a><span style=\"font-weight: 400\">\u2026even after your mortgage has been paid off<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you would like to learn more about your mortgage life insurance coverage options, fill out our <\/span><a href=\"https:\/\/mortgageinsurancegroup.ca\/\"><span style=\"font-weight: 400\">application form<\/span><\/a><span style=\"font-weight: 400\"> for a pressure-free conversation with one of our licensed advisors.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most people thinking of buying real estate as an investment often wonder if it\u2019ll be worth it. Is real estate a good investment? Truthfully, there\u2019s no easy answer to that. Property as investment can be lucrative and is considered as generally relatively safe, but it does come with its own risks and things to consider. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","wp_social_preview_title":"","wp_social_preview_description":"","wp_social_preview_image":0,"footnotes":""},"categories":[22,19],"tags":[24,23,18,17,16],"class_list":["post-539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","category-mortgage-life-insurance","tag-buying-a-home","tag-homeowner","tag-life-insurance","tag-mortgage","tag-mortgage-life-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Real Estate As Investment: Pros And Cons - Mortgage Insurance Group<\/title>\n<meta name=\"description\" content=\"Real Estate as investment can be lucrative and is considered as generally relatively safe, but it does come with its own risks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Real Estate As Investment: Pros And Cons - Mortgage Insurance Group\" \/>\n<meta property=\"og:description\" content=\"Real Estate as investment can be lucrative and is considered as generally relatively safe, but it does come with its own risks.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog - Mortgage Insurance Group\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-01T20:00:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"mircea\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"mircea\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/\"},\"author\":{\"name\":\"mircea\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/person\/f1fd21b1739de282daa696097b23d3de\"},\"headline\":\"Real Estate As Investment: Pros And Cons\",\"datePublished\":\"2022-03-01T20:00:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/\"},\"wordCount\":3112,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg\",\"keywords\":[\"buying a home\",\"homeowner\",\"life insurance\",\"mortgage\",\"mortgage life insurance\"],\"articleSection\":[\"Buying a Home\",\"Mortgage Life Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/\",\"url\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/\",\"name\":\"Real Estate As Investment: Pros And Cons - Mortgage Insurance Group\",\"isPartOf\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg\",\"datePublished\":\"2022-03-01T20:00:38+00:00\",\"description\":\"Real Estate as investment can be lucrative and is considered as generally relatively safe, but it does come with its own risks.\",\"breadcrumb\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage\",\"url\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg\",\"contentUrl\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg\",\"width\":2560,\"height\":1280,\"caption\":\"Houses of different size with different value on stacks of coins. Concept of property, mortgage and real estate investment. 3d illustration\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Real Estate As Investment: Pros And Cons\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#website\",\"url\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/\",\"name\":\"Blog - Mortgage Insurance Group\",\"description\":\"Just another DMatrixSoft - CMS Sites site\",\"publisher\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#organization\",\"name\":\"Blog - Mortgage Insurance Group\",\"url\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2020\/08\/logo-1.png\",\"contentUrl\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2020\/08\/logo-1.png\",\"width\":361,\"height\":45,\"caption\":\"Blog - Mortgage Insurance Group\"},\"image\":{\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/person\/f1fd21b1739de282daa696097b23d3de\",\"name\":\"mircea\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b973099aac4e48c4c7b7e869dcc05915cc6bba46b9cfd1c2401495aa8620ef97?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b973099aac4e48c4c7b7e869dcc05915cc6bba46b9cfd1c2401495aa8620ef97?s=96&d=mm&r=g\",\"caption\":\"mircea\"},\"sameAs\":[\"https:\/\/wp.dmatrixsoft.com\"],\"url\":\"https:\/\/mortgageinsurancegroup.ca\/blog\/author\/mircea\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Real Estate As Investment: Pros And Cons - Mortgage Insurance Group","description":"Real Estate as investment can be lucrative and is considered as generally relatively safe, but it does come with its own risks.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/","og_locale":"en_US","og_type":"article","og_title":"Real Estate As Investment: Pros And Cons - Mortgage Insurance Group","og_description":"Real Estate as investment can be lucrative and is considered as generally relatively safe, but it does come with its own risks.","og_url":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/","og_site_name":"Blog - Mortgage Insurance Group","article_published_time":"2022-03-01T20:00:38+00:00","og_image":[{"width":2560,"height":1280,"url":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg","type":"image\/jpeg"}],"author":"mircea","twitter_card":"summary_large_image","twitter_misc":{"Written by":"mircea","Est. reading time":"15 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#article","isPartOf":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/"},"author":{"name":"mircea","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/person\/f1fd21b1739de282daa696097b23d3de"},"headline":"Real Estate As Investment: Pros And Cons","datePublished":"2022-03-01T20:00:38+00:00","mainEntityOfPage":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/"},"wordCount":3112,"commentCount":0,"publisher":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#organization"},"image":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage"},"thumbnailUrl":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg","keywords":["buying a home","homeowner","life insurance","mortgage","mortgage life insurance"],"articleSection":["Buying a Home","Mortgage Life Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/","url":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/","name":"Real Estate As Investment: Pros And Cons - Mortgage Insurance Group","isPartOf":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage"},"image":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage"},"thumbnailUrl":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg","datePublished":"2022-03-01T20:00:38+00:00","description":"Real Estate as investment can be lucrative and is considered as generally relatively safe, but it does come with its own risks.","breadcrumb":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#primaryimage","url":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg","contentUrl":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2022\/03\/iStock-1130124948-scaled.jpg","width":2560,"height":1280,"caption":"Houses of different size with different value on stacks of coins. Concept of property, mortgage and real estate investment. 3d illustration"},{"@type":"BreadcrumbList","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/real-estate-as-investment-pros-and-cons\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/mortgageinsurancegroup.ca\/blog\/"},{"@type":"ListItem","position":2,"name":"Real Estate As Investment: Pros And Cons"}]},{"@type":"WebSite","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#website","url":"https:\/\/mortgageinsurancegroup.ca\/blog\/","name":"Blog - Mortgage Insurance Group","description":"Just another DMatrixSoft - CMS Sites site","publisher":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mortgageinsurancegroup.ca\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#organization","name":"Blog - Mortgage Insurance Group","url":"https:\/\/mortgageinsurancegroup.ca\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2020\/08\/logo-1.png","contentUrl":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-content\/uploads\/sites\/18\/2020\/08\/logo-1.png","width":361,"height":45,"caption":"Blog - Mortgage Insurance Group"},"image":{"@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/person\/f1fd21b1739de282daa696097b23d3de","name":"mircea","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mortgageinsurancegroup.ca\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b973099aac4e48c4c7b7e869dcc05915cc6bba46b9cfd1c2401495aa8620ef97?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b973099aac4e48c4c7b7e869dcc05915cc6bba46b9cfd1c2401495aa8620ef97?s=96&d=mm&r=g","caption":"mircea"},"sameAs":["https:\/\/wp.dmatrixsoft.com"],"url":"https:\/\/mortgageinsurancegroup.ca\/blog\/author\/mircea\/"}]}},"_links":{"self":[{"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/posts\/539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=539"}],"version-history":[{"count":2,"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/posts\/539\/revisions"}],"predecessor-version":[{"id":549,"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/posts\/539\/revisions\/549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/media\/540"}],"wp:attachment":[{"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mortgageinsurancegroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}