Capital Gap - The Real Reason Most Investors Never Buy Apartment Buildings

The Equity Builders Club Podcast · Apr 23, 2026 · 21m

A lot of Canadian investors eventually learn the truth about multifamily financing: yes, apartment buildings can qualify based on their own income.

But then they run into the next wall.

The down payment.

In markets like Montreal, it is not unusual to need $300,000 or more just to get into a decent multifamily deal. Even in smaller markets, investors may still need $150,000 to $200,000.

That is where the conversation shifts from financing to capital raising.

In this episode, we break down why so many investors get stuck trying to do everything alone, and why partnerships are often the real key…