Core Insights - Real estate may no longer be a reliable wealth-building tool, with the stock market potentially offering better returns in the current economic climate [1][2] Group 1: Real Estate Investment Viability - The success of real estate investments is highly variable and depends on timing and location, leading to unpredictable outcomes for investors [3] - Historical returns from real estate investments have diminished, with significant gains seen in the past (e.g., 280% return from 2012 to 2016) becoming increasingly rare [4] - Current appreciation rates in high-demand areas like Los Angeles County have slowed, with increases of only 33%, 16%, and 20% since pre-pandemic levels [5] Group 2: Rising Costs of Property Ownership - The costs associated with owning property have surged, including home insurance rates increasing by 35% to 40%, property taxes by 15%, and maintenance costs by 50% to 100% [6] - The profitability of past investments is attributed to favorable conditions such as low mortgage rates and down payments, which are less accessible for new buyers in 2025 [6] Group 3: Comparative Performance of Stocks - Since the pandemic, the stock market has outperformed real estate in terms of returns, despite its volatility [7]

Core Viewpoint - Orion Properties Inc. is set to release its third-quarter operating results for the period ending September 30, 2025, after market close on November 6, 2025 [1] Group 1: Company Overview - Orion Properties Inc. is a fully-integrated real estate investment trust (REIT) that owns a diversified portfolio of single-tenant net lease office properties across the United States [4] - The company was founded on July 1, 2021, and was spun off from Realty Income on November 12, 2021, beginning trading on the New York Stock Exchange on November 15, 2021 [4] - On March 5, 2025, the company changed its name from Orion Office REIT Inc. to Orion Properties Inc. to reflect a broader investment strategy that includes a shift away from traditional office properties towards dedicated use assets [4] Group 2: Upcoming Events - A webcast and conference call to review the third-quarter results will be held on November 7, 2025, at 10:00 a.m. ET, hosted by the CEO and CFO [2] - The conference call can be accessed by dialing specific numbers for domestic and international callers, ten minutes prior to the scheduled time [2] Group 3: Replay Information - A replay of the webcast will be available on the company's website, and the conference call replay will be accessible from November 7, 2025, after 1:00 p.m. ET until November 21, 2025 [3]

Real Estate Market Analysis - Interest rates decreased for 40 years (1980-2020), lowering cap rates and increasing real estate prices [1] - Immigration increased to offset cap rate driven increase in home prices [1] - Immigration is unlikely to continue, and interest rates are in a multi-decade uptrend [1] - The US has unsustainable debt and deficits, potentially weakening the dollar and US government debt [1] - Higher interest rates are needed to attract buyers for increasing US Treasuries supply [1] - Rising long-term rates increase cap rates, mathematically decreasing real estate prices [1] - Young people cannot afford homes, requiring a significant increase in housing supply to address affordability [1] Investment Implications - Demand for housing is decreasing, while supply is increasing, reversing previous market dynamics [1] - The tailwind from interest rates has become a headwind for real estate investment [1] - Factors that previously made real estate a good investment have reversed [1] - Owning a home may be an emotional decision but a poor financial one [1]

Core Insights - The article highlights the financial discipline of an individual who saves and invests 65% of their income, demonstrating that significant savings are achievable with intentional budgeting and lifestyle choices [2][5]. Budgeting and Savings - The individual allocates $12,000 of their $18,500 monthly income towards savings and investments, leaving $6,500 for living expenses [2]. - A computerized system is employed to automate transfers to investment accounts, ensuring that savings occur before discretionary spending [4]. Investment Strategy - The investment strategy focuses on cash-flowing real estate, which generates passive income and appreciates over time, emphasizing the importance of compound growth [3]. Lifestyle Choices - Living on 35% of income necessitates intentional lifestyle choices, such as driving a reliable vehicle instead of a luxury car, meal prepping to avoid dining out, and selecting low-cost entertainment options [5]. - Monthly housing costs are kept below $2,200, and shopping is done at discount stores to manage expenses effectively [6].

Group 1 - The company has released its latest top investment picks for October 2025, emphasizing the timeliness of joining to access these opportunities [1] - The company invests significant resources, including thousands of hours and over $100,000 annually, into researching profitable investment opportunities [1] - The company offers real estate strategies at a fraction of the cost, highlighting its value proposition to potential members [1] Group 2 - The company's approach has garnered over 500 five-star reviews from satisfied members, indicating a strong level of customer satisfaction [2] - The company encourages potential members to join now to start maximizing their returns, suggesting a focus on immediate benefits [2]

Core Insights - Fengate Asset Management has successfully closed its investment in Paradigm Grand, a mixed-use condominium development in Burlington, Ontario, marking the second phase of the Paradigm Condos project [1] - The investment is managed on behalf of the LiUNA Pension Fund of Central and Eastern Canada, highlighting a commitment to creating residential communities and addressing housing needs in the region [2][3] Company Overview - Fengate Asset Management is a leading alternative investment manager with over $24 billion in assets under management, focusing on private equity, infrastructure, and real estate strategies [8] - The Molinaro Group, a partner in this project, has over 50 years of experience in real estate development and has contributed significantly to the Southern Ontario community with a portfolio of more than 10,000 residential units [10] Project Details - Paradigm Grand will feature 388 residential units, 18,000 square feet of retail space, 12,000 square feet of office space, and 549 parking stalls, all within an 18-storey, 380,000 square foot structure [4] - The project is designed to enhance urban living with premium amenities such as a pool, spa, fitness center, yoga studio, party room, lounge, games area, and outdoor terrace [5] Strategic Importance - The location of Paradigm Grand is strategically positioned near the Burlington GO Station and the QEW, emphasizing transit-oriented development [1][4] - The project aims to strengthen local communities and contribute to the housing supply in response to increasing demand in the Greater Toronto and Hamilton Area [3][4]

Core Insights - The current real estate market presents a unique opportunity for investment, particularly during downturns when prices are low and policies are becoming more favorable [1][3][4] - Historical trends indicate that market adjustments are often the best times to enter, as those who invest during these periods tend to see significant returns in the future [1][3] Policy Changes - Recent policy shifts include the gradual relaxation of purchase restrictions, lower down payment ratios, decreasing interest rates, and reduced residency requirements [1][3] - These measures are aimed at stabilizing the market and creating opportunities for potential homebuyers [3] Market Dynamics - Investors should focus on long-term trends and the potential of cities rather than just current prices [3] - Quality properties in prime locations are showing real price advantages, and the second-hand housing market is experiencing increased negotiation space [3] Investment Strategy - Successful investors are those who act decisively during market lows, as opposed to those who hesitate during downturns and chase prices during upswings [3][4] - The market is expected to show clear differentiation, with prime properties in first-tier and core second-tier cities likely to appreciate, while opportunities in marginal areas may be limited [3] Actionable Recommendations - To achieve steady wealth growth, it is advised to analyze city potential, select quality properties, plan budgets wisely, and act promptly [4] - Opportunities are fleeting and will favor those who are prepared to act in advance [4]

Core Insights - Primaris Real Estate Investment Trust has agreed to acquire a 100% interest in Promenades St-Bruno for $565 million, enhancing its portfolio of shopping centers in Canada [1][3][29] Acquisition Details - The acquisition will be financed through a combination of $320 million in cash, $160 million in series A units at an issue price of $21.40, and $85 million in exchangeable preferred units [6][24] - The acquisition is expected to close on October 10, 2025, subject to customary conditions [12][22] Financial Impact - The acquisition is projected to be approximately $0.04 accretive to annualized fully diluted FFO per unit [5][18] - Proforma same store sales productivity is expected to increase from $784 to $791 per square foot [5][9] - 2025 guidance for FFO per unit has been raised from $1.74 to a range of $1.78 to $1.82, and Same Property Cash NOI growth guidance has been increased from 3.0% to 4.0% to a range of 4.0% to 5.0% [5][18] Portfolio Enhancement - Upon closing, Promenades St-Bruno will become Primaris' third-largest shopping center by total store sales volume, contributing to a proforma portfolio valued at approximately $5.4 billion [8][29] - The acquisition aligns with Primaris' strategy of acquiring high-quality properties with significant NOI growth potential [3][11] Market Position - Primaris has completed over $1.5 billion in acquisitions in 2025 and $3.3 billion since 2021, demonstrating a strong growth trajectory [3][29] - The acquisition is expected to enhance the trading liquidity of Primaris' units, benefiting all unitholders [5][3]

Core Viewpoint - BRT Apartments Corp. has acquired Oaks at Victory, a 150-unit apartment complex in Savannah, Georgia, marking its first investment in the area [1][2][4] Acquisition Details - The property was purchased for $23.0 million, which includes a $15.7 million mortgage [3] - The mortgage has a maturity date in 2031 and an interest rate of 2.71%, with two years of interest-only payments remaining [3] - BRT borrowed $8.0 million from its credit facility to facilitate the acquisition [3] Financial Position - As of October 6, 2025, BRT has $17.5 million outstanding on its $40.0 million credit facility, which has a current interest rate of 6.63% [3] - The company plans to pay off the credit facility debt using proceeds from scheduled refinancings expected in December 2025 [3] Strategic Goals - The acquisition aligns with the company's strategy to invest in growing markets in the Southeast, aiming to enhance stockholder value through opportunities that drive AFFO and NAV per share growth [4] - BRT currently owns or has interests in 31 multi-family properties with a total of 8,311 units across 11 states [4]

RT Marcell Mullings (@TheMrMullings)The equity you think you’re building in property vanishes. Maintenance chips away at it while you’re alive, inheritance tax eats away at it when you’re gone and by the time it’s passed down, the ‘gains’ are non existent.Not to mention the time it has stolen from you to amount to a breakeven point basicallyEspecially relevant in the UKJust a thought when considering investments and where you buy property ...