Kelly Ryan Real Estate, Guiding You Home

05/22/2026

is an absolute gem — 10/10! The atmosphere is pure magic, like stepping into a whimsical fairytale with vintage décor, little table lamps, stacked books, and the most adorable bunny figurines. The staff were wonderful, and the drinks were next level — a decadent Vanilla Caramel Cafe Latte piled high with whipped cream and a Sonia Tea both served on the most charming floral saucers. The food was just as impressive. If you're looking for a cozy, beautiful spot with incredible drinks and warm hospitality, Butter and Cup is a must-visit! 10/10 Highly recommend!!

05/19/2026

05/19/2026

Get your rally caps on!

05/10/2026

Mom — Mother's Day still feels like it belongs to you. Everything I know about love, about showing up, about being soft and strong at the same time, I learned from watching you.
And to every woman who helped raise me alongside her — the aunts, the grandmothers, cousins, the friends who became family — I see you. I carry you all with me.
Happy Mother's Day, Mom. I miss you. 💕

05/10/2026

Happy Mother's Day to all the mothers. The ones who raised us. The ones who chose us. The grandmothers, the step-moms, the bonus moms, the godmothers, the aunties — every woman who has shown up for someone the way only a mother can. Today is for all of you.

05/04/2026

Ready to sell your house? 🏠💰

Remember, there's no need to go "Han Solo" on this adventure! Team up with a pro for a smooth ride to success.

May the 4th be with you 🙏

05/02/2026

🏡 10 things most investors in Ontario don't know — even people who already own a property.

Real estate investing isn't just about finding a property. It's about knowing the rules that decide whether the deal actually pencils. Swipe through 👉

A few that catch people off guard:

✅ The post-November 2018 rent control exemption changes underwriting on most newer buildings ✅ Capital gains stayed at 50% inclusion — the proposed increase was cancelled in 2025 ✅ Short-term rentals: if you're not licensed, the CRA can deny ALL your operating expense deductions ✅ Pure rentals require 20% down — but owner-occupied 2–4 unit properties can qualify for as little as 5%

I built my own investment analysis tool years ago because I got tired of clients asking "is this a good deal?" and not having a clean way to answer. Cash flow, cap rate, DSCR, return on equity, leverage — all in one place.

I use it for my own decisions too. Most recently I ran the numbers to weigh renting my dad's house versus selling it. Real-life application — not just a sales line.

📲 Looking at a property and want a numbers-first read? DM me. I run every deal through the tool — for my clients and for unrepresented investors who aren't currently working with another agent.

💾 Save this for later — and tag someone who's been "thinking about an investment property" for the last three years.
. .

05/01/2026

Here's what it means for INVESTORS:
📈 CAP RATES — Stabilizing. Underwriting can come back to fundamentals instead of guessing where rates land.
💰 FINANCING — Costs are predictable. No rate shock to reprice deals you're already in.
🎯 STRATEGY — The deals that pencil now are the ones with real NOI, not rate-relief math.
The Bank has now held the rate steady since October. The next decision is June 10th. Plan around stability, not relief.
Looking at a property and want a numbers-first read? Drop me a message — I run every deal through my own investment analysis tool (cash flow, cash-on-cash, cap rate, DSCR, leverage). For my clients and unrepresented investors. 👇

Kelly Ryan Real Estate
Guiding You Home
M: (647) 268-2664
[email protected]
www.kellyryanrealestate.ca