CASE STUDY
CASE STUDY
How We Helped a First-Time Landlord Transition from Condo to Income-Generating Property
Guiding a client through house hacking, tenant management, and securing 100% financing for her new home.
CASE STUDY
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How We Helped a First-Time Landlord Transition from Condo to Income-Generating Property
Summary
In a challenging market, we helped a client upgrade from a condo to a detached home in Toronto, all while navigating tenant management and securing 100% financing.
What started as a straightforward goal of moving out of a condo quickly evolved into a more complex journey. The client wanted to buy a detached home but was unsure how to handle the responsibilities of being a landlord, especially with the high prices in Toronto’s market.
We implemented a strategy that included house hacking, allowing her to live in part of the home while renting out the other units for income. After overcoming multiple financing rejections, we secured 100% financing using both traditional and private lenders. We also supported her in finding the right multifamily property, which not only provided a comfortable living space but also generated rental income.
Our hands-on approach—from financial planning to property selection—ensured she smoothly transitioned into her new home. Despite the challenges, our guidance set her up for long-term financial success, transforming what could have been a stressful process into a rewarding one.
The Challenge
Our client had owned homes before, but investing in real estate and becoming a landlord was a new, overwhelming challenge. She was uncomfortable with managing tenants and taking on the responsibilities that come with rental property ownership.
The first major hurdle was financing—she couldn’t secure a traditional mortgage, requiring us to explore unconventional lending options. On top of that, the homes she initially considered didn’t fit her budget, and the competitive market pushed prices even higher.
In addition, she was nervous about the responsibilities of being a landlord, such as managing tenants, handling legal requirements, and overseeing renovations. These challenges made it clear that we needed to find a creative and supportive approach to guide her through each step.
About Vany & Taylor
With over two decades of combined experience, Vany Kilyana and Taylor Morgado bring unparalleled expertise to the real estate industry.
Vany, with 12 years in the field, has built a reputation for delivering excellent customer service, thanks to his vast network and deep industry knowledge.
Taylor, with 10 years of experience in both real estate and investing, has a results-driven approach, excelling in market analysis, lead generation, and strategic pricing. She is highly skilled in running high-converting ad campaigns and optimizing sales funnels, ensuring clients get the most exposure and the best possible deals. Her ability to navigate competitive markets while filtering out unqualified leads makes her a standout in real estate sales.
Together, they specialize in residential and multi-family properties, navigating complex transactions with precision and care. Their commitment to providing personalized service ensures each client’s unique needs are met, making the real estate experience both seamless and stress-free.
Outside of work, Vany is a globe-trotting foodie with a love for trying new dishes, cheering for Manchester United, and spending time with his fiancée Taylor and their dog, Luna. Fluent in three languages and full of enthusiasm, Vany brings a lively, fun spirit to everything he does, making him an engaging partner in both life and business.
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Other Client Success Stories
How We Helped a Family Combine Their Resources and Purchase a Multi-Unit Home
In Brampton’s competitive market, we helped a family combine their resources to purchase a semi-detached home with a basement apartment.
By pooling their finances, they were able to buy a home large enough to accommodate everyone while keeping costs low. The property provided separate living spaces for family members, ensuring both independence and long-term financial security.
Our approach allowed them to increase their buying power and find a home that fit their needs. This solution not only improved their current living situation but also positioned them for future financial growth.
Click Here To Read The Full Story
The Strategy
Recognizing the complexity of her goals, we crafted a tailored approach. First, we shifted her focus from single-family homes to multifamily properties, enabling her to live in one unit while renting out the others for a steady stream of rental income.
We carefully analyzed her financials to show her how this strategy could cover her mortgage and reduce her overall costs. To tackle her financing concerns, we worked closely with experienced mortgage agents to explore non-traditional lending options. We also prepared her for the responsibilities of managing tenants, ensuring she was ready to handle the practical side of becoming a landlord.
Our strategy was designed to not only get her into the right property but to set her up for long-term financial success and stability.
The Solution
Once the strategy was clear, we moved into action. We broke down her financial situation, with Taylor spending significant time going over her expected rental income and monthly expenses, which eased her concerns about affordability.
With house hacking as the core strategy, we concentrated on finding the right multifamily property. Along the way, we collaborated with trusted mortgage experts and contractors to provide accurate insights on financing options and renovation costs, giving her a realistic understanding of what she could afford.
The turning point came when we found a rare bungalow in Toronto with two rental units and a primary living space. This property allowed her to live comfortably while significantly offsetting her mortgage with rental income. Our hands-on guidance ensured that her journey from condo owner to successful landlord was seamless and well-supported.
Results
Our approach delivered exactly what the client needed. We secured 100% financing despite initial rejections, using a combination of traditional and private lenders to allow her to proceed without any out-of-pocket costs.
She successfully transitioned from her condo to a detached home with yard space that met both her personal and professional needs. On top of that, she became a first-time landlord with three tenants, generating steady rental income to help cover her mortgage.
Her satisfaction was evident—she was thrilled with our transparency, financial insights, and the personalized support we offered throughout the process. So much so, she referred us to her mother for a future real estate transaction. This case exemplifies how creative problem-solving and a hands-on approach can transform a complex real estate process into a smooth and successful journey.
Conclusion
This case study highlights not just our expertise but also the effectiveness of house hacking as a strategy for first-time investors breaking into the property market. By guiding our client through each step—from securing financing to managing tenants—we provided a personalized solution that transformed her living situation and set her up for long-term financial success.
It’s a testament to how creative strategies and a hands-on approach can help clients achieve their real estate goals, even in a challenging market.
About Vany & Taylor
With over two decades of combined experience, Vany Kilyana and Taylor Morgado bring unparalleled expertise to the real estate industry. Vany, with 12 years in the field, has built a reputation for delivering excellent customer service, thanks to his vast network and deep industry knowledge. Taylor, with 10 years of experience in both real estate and investing, offers sharp strategic insight and a keen understanding of market dynamics.
Together, they specialize in
residential and multi-family properties
, navigating complex transactions with precision and care.
Their commitment to providing personalized service ensures each client’s unique needs are met, making the real estate experience both seamless and stress-free.
Outside of work, Vany is a globe-trotting foodie with a love for trying new dishes, cheering for Manchester United, and spending time with his fiancée Taylor and their dog, Luna.
Fluent in three languages and full of enthusiasm, Vany brings a lively, fun spirit to everything he does, making him an engaging partner in both life and business.
Other Client Success Stories
How We Helped a Family Combine Their Resources and Purchase a Multi-Unit Home
In Brampton’s competitive market, we helped a family combine their resources to purchase a semi-detached home with a basement apartment.
By pooling their finances, they were able to buy a home large enough to accommodate everyone while keeping costs low. The property provided separate living spaces for family members, ensuring both independence and long-term financial security.
Our approach allowed them to increase their buying power and find a home that fit their needs. This solution not only improved their current living situation but also positioned them for future financial growth.
Click Here To Read The Full Story
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All testimonials on this page are from real clients. Their experiences do not guarantee similar results. Individual results may vary based location, market conditions, motivation, as well as other unforeseen factors. Your results may vary.
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