Sam John Thomas - Real Estate - GOLFI Team

12/25/2025

God formed man from dust.

Not gold.
Not royalty.
Dust.

And He did not create us merely to exist.
He created us to walk with Him.
To know Him.
To live in relationship.

But man wanted more than relationship.
He wanted control.

He chose to be his own god.
And in doing so, evil entered the world.
Sin fractured the relationship between the Creator and the created.

The dust turned away from the One who breathed life into it.

So what does God do?

He does not abandon His creation.
He does not crush it.
He does not demand humans climb their way back to Him.

He comes down.

The Creator steps into creation.
The eternal enters time.
The God who formed woman from dust chooses to enter the womb of a woman made from dust.

Not as a king in a palace.
Not as a ruler with armies.
But as a child.

Born in a manger.
A place that smelled of animals.
A feeding trough.
A cave used by shepherds.

No home.
No status.
No comfort.

Yet He owned it all.

This is the heart of Christmas.

God choosing humility to redeem pride.
God choosing nearness to heal distance.
God choosing weakness to defeat sin.

Today, this is your hope.

Not another achievement.
Not social status.
Not wealth.
Not proving your worth.

Those things leave us empty.
Restless.
Always chasing.

But meaning is found here.
In a God who came close.
In a King who chose the lowest place.

He humbled Himself.

So will I.

King Jesus, I bow to You.
My humble King.

Merry Christmas.

08/14/2025

I Lost Money in Real Estate in the GTA… Here’s What I Learned..

I’m not here to pretend every deal I’ve done has been a win.

One of my properties cost me $640,000… today, it’s worth about $490,000.

That’s a $150,000 drop in value!!

And it doesn’t stop there, every month, it bleeds $600 in negative cash flow, which means I’m paying $7,200 a year out of my own pocket just to hold it!!!

I bought thinking, “It’s fine, the market will go up,” but instead, interest rates climbed, rents lagged, and my shortfall grew.

I’ve seen other investors in the Greater Toronto and Hamilton area make the same mistake.. buying on speculation, not on the numbers.

Some bought pre-construction condos at the peak and watched values drop before they even got the keys.

Others are holding properties that cost them hundreds or thousands every month to keep.

The market sells you a dream that:
You can bank on appreciation forever
Negative cash flow is okay if the property value goes up
Your home equity will always be safe

Well, the last two years have proven… none of that is guaranteed.

You don’t just need a property, you need a property that pays you every month from day one.

The real number that matters is:
Passive Income > Living Expenses

Investor A:
$1.5M in properties bought at the peak, no passive income, covering $1,000+ in monthly shortfalls → stressed and stuck

Investor B:
$6K/month net rental income from well-bought duplexes in Hamilton and Brantford, $4K/month lifestyle → financially free, even in a down market

Freedom comes from monthly cash flow, not betting on market timing.

It has taught me to track my Freedom Number, not your speculative net worth.

So what is the solution? Do I Invest anymore? If so where?
Properties in cash-flow-positive pockets of Hamilton, Brantford, and Niagara

Legal duplexes and triplexes with stronger tenant demand
Refinancing only when the rents comfortably cover the payments

If you own a property or are thinking about buying in the GTHA, I’ll run your numbers and run your deal against interest rate hikes, vacancy, and market dips… for free. Only numbers... no emotions..

Let’s make sure that doesn’t happen to you.
Grab one of the 5 spots I have this month for a private Real Estate Wealth Review → https://lnkd.in/gzAUmEBU

07/13/2025

Open House TODAY 3–5PM | Executive Home in Lakeshore Stoney Creek!

Ever wonder what it would feel like to wake up every day to water views and zero rear neighbours?

111 Galileo Dr, Stoney Creek might be the hidden gem you've been waiting for, and it's open to view today from 3–5PM.

Here’s why this home is a real standout in today’s market:
Backs onto a peaceful reservoir — ultimate privacy + nature right from your deck

Over 3,400 sq ft of finished living space
Fully finished basement w/ 5th bedroom + full bath — perfect for in-laws or guests
Freshly painted, roof updated, deck refinished in 2025 — move-in ready
Quiet pie-shaped lot in a highly sought-after lakeside community
Minutes to Lake Ontario, trails, top schools, and QEW access to Toronto

But it’s more than the house... it’s the lifestyle:

Walk to Waterford Park or Seabreeze Trails
Top-ranked schools like Winona ES & St. John Henry Newman
Commute to GTA? You’ll love the easy access
Community with families, professionals, and retirees—35% of homes have kids

It's one of the few homes in Lakeshore with backyard pond views and no rear neighbours, priced at just $1,149,900.

If you’re looking for a lifestyle upgrade, not just square footage, come experience this in person.

🕒 Open House Today | 3–5PM
📍111 Galileo Drive, Stoney Creek

📞 DM me if you want a private tour or financial breakdown before making a move.

05/08/2025

03/26/2025

Looking for a turn-key home with modern upgrades, income potential, and total privacy?

This professionally renovated 5-bedroom, 3-bath raised bungalow in a quiet, family-friendly neighbourhood might just be the dream home you’ve been waiting for.

Top Features:

Fully renovated top to bottom – move-in ready!

Gorgeous open-concept kitchen with quartz counters & high-end appliances

Over 2100 sq ft of finished living space

Private backyard with no rear neighbours – backs onto the greenbelt

2-bed in-law suite potential in the fully finished basement

New windows, flooring, electrical, plumbing, furnace & more!

Parking for 3 cars | Close to parks, top-rated schools, trails, golf, and every amenity you need.

This home checks all the boxes for families, investors, or downsizers.

02/05/2025

HAMILTON Mountain's Best Real Estate Deals This Week!

Looking for top investment opportunities or your first home on Hamilton Mountain? These three properties in Inch Park, East Mount, and Bonnington stand out for their income potential, prime location, and future value!

📍 Property Highlights:
✅ Close to Mohawk College & St. Joseph’s Hospital – High rental demand!
✅ Multi-unit potential – Live in one, rent out the other!
✅ Large lots – Opportunity for laneway suites or modular homes
✅ Strong rental income potential ($1,800 - $2,000 per unit)
✅ City of Hamilton now allows up to 4 units per lot

6.67% down ($50K) = Approx. $3,551/month mortgage payment
Potential $436,000 in profit over 20 years
Add an additional suite & increase your cash flow even more!

📅 Book a private tour today
📞 Call/Text me at 289-682-0099

02/03/2025

Shifts are happening in the Hamilton real estate market, and whether you're buying or selling, you need to be informed.

✔️ More homes hitting the market
✔️ Pricing trends you should be aware of
✔️ What this means for you as a buyer or seller

I just recorded a quick 2-minute market update video breaking it down for you. If you're thinking about making a move, you won’t want to miss this!

Want to know more about the market in your local Neighborhood?

Book a meeting www.calendly.com/morethansamjohn

01/16/2025

Struggling to pay off your mortgage?

You’re not alone. Many homeowners are feeling the pinch, but here’s the good news—you don’t need 25 tenants to break even.

With Bill 23 in Ontario, you can legally convert your property into a cashflow-generating threeplex or fourplex. Strategic, legal conversions are the game-changer you’ve been waiting for.

As an investor, success boils down to two things:
1️⃣ The Numbers – Understanding the math behind the deal.
2️⃣ The Network – Partnering with the right professionals who deliver results.
That’s where I come in.

I’ll help you:
✔️ Source the perfect property with high potential for legal conversion.
✔️ Run the numbers to ensure your investment makes financial sense.
✔️ Connect you with a trusted network of professionals—contractors, inspectors, and legal experts—who prioritize quality and compliance.

Together, we’ll ensure your investment is not only profitable but also compliant with city rules.

Imagine this: living mortgage-free while generating consistent cashflow. It’s not a dream—it’s a plan. Let’s make it happen!

Ready to start? Let’s connect and take the first step toward financial freedom.

Book a meeting today
www.calendly.com/morethansamjohn

12/30/2024

DEAL OF THE WEEK!

This could be yours with a 5% downpayment of $33k and a monthly of $2600 and BONUS 2 year maintenance fee on accepted offer- meaning- you could get money back!

This is a perfect opportunity for First- Time Homebuyers or Seniors or parents of McMaster students looking for a comfortable, low-maintenance lifestyle in the heart of Hamilton.

This bright CORNER unit offers Escarpment and City views, filling the space with natural light. With 2 Bedrooms and 2 full baths, and 823 sq/ft of living space, plus a 100 sq ft balcony, its the ideal space to call home.

The modern kitchen with stainless steel appliances and quartz countertops flows into a welcoming living room with sliding patio doors. The primary bedroom includes a private 3-piece ensuite with a walk-in shower for added convenience. You'll love the ease of in-suite laundry, a parking spot right by the elevator, and 2 lockers for extra storage.

BONUS: 2 Years Maintenance Fee Paid on Accepted Offer!!

With a 5% downpayment of $33,000 - this could be yours with the new 30 year amortization available for first time homebuyers- this one is sure to appreciate with the future LRT coming up!

It's steps from King Street East, where you'll find a variety of amazing food spots offering a mix of delicious cuisines.

Hamilton GO Centre: Located at 36 Hunter Street East, this station is approximately 1 kilometer south of 212 King William Street, making it a convenient 10 to 15-minute walk.

Proposed LRT Station: The future Hamilton Light Rail Transit (LRT) project includes a stop near the intersection of King Street East and Wellington Street, which is about 500 meters east of 212 King William Street.

Come see the place for yourself -

OPEN HOUSE- Sunday Jan 5th 3-5pm!