Toronto Real Estate · Done Differently

Real estate that works
for your situation.

Whether you're buying, selling, or need a creative solution — seller financing, power of sale, or something in between — I'll give you a straight answer and a real plan.

12
Years in the market
GTA
Based in Toronto
365
Days a year, reachable

Buying or selling a home?
Let's keep it simple.

No pressure, no script. Just honest guidance on one of the biggest decisions you'll make.

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Selling Your Home

Get a realistic picture of what your home is worth in today's market — and a plan to attract the right buyer at the right price, without the usual noise.

Get a free valuation →
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Buying a Home

Whether it's your first place or your fifth, I'll help you move quickly when it counts and avoid the ones that aren't worth your time or money.

Start the conversation →
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Investment Properties

Looking for cash flow, appreciation, or both? I work regularly with investors and know what to look for beyond the surface numbers.

Let's talk strategy →

Not every deal needs a bank.

Seller financing opens the door to deals that traditional lending won't touch. If you're a buyer who doesn't fit the mould — or a seller who wants more than a one-time cheque — there's another way.

What is seller financing?

Instead of a bank lending the buyer money, the seller carries the mortgage directly. The buyer makes payments to you — often with better terms for both sides. It's used by investors, self-employed buyers, and anyone the banks say no to.

Why consider it?

For sellers: steady monthly income, a premium sale price, and potential tax advantages on capital gains. For buyers: fewer barriers, faster closes, and more flexible terms than any lender will offer.

  1. We talk through your situationWhether you're a buyer or a seller, we figure out if seller financing makes sense for you.
  2. Structure the dealDown payment, interest rate, term length — everything is negotiable between you and the other party.
  3. Close with the right professionalsA real estate lawyer handles the paperwork. You walk away with a deal that works for both sides.

Interested in a seller finance deal?

I've structured these deals for buyers who couldn't get conventional financing and sellers looking for income instead of a lump sum. Every situation is different — let's talk about yours.

Talk to Steven →

Difficult situations.
Handled with care.

Power of sale properties are stressful for everyone involved. I help both sides — homeowners who need options and buyers looking for value.

For homeowners

You have more options than you think.

If you've missed mortgage payments and your lender has started power of sale proceedings, the clock is ticking — but it's not over. There are steps you can take to protect yourself, your equity, and your credit.

I can help you understand where you stand and what your real options are before a lender takes control of the outcome.

Get confidential advice →
For investors & buyers

Find power of sale deals before they're listed.

Power of sale properties can represent real value — but timing and process matter. Join my deals list to get early access to these opportunities as they come up.

Get on the list →

What is power of sale?

In Ontario, when a homeowner defaults on their mortgage, the lender has the right to sell the property to recover what's owed — without going through the courts. This is different from foreclosure and moves quickly.

  • The lender, not the owner, controls the sale process
  • Proceeds first cover the mortgage — any surplus goes to the owner
  • Homeowners often have a short redemption period to catch up
  • Buyers of POS properties purchase in "as-is" condition
  • Deals can close fast — which cuts both ways
Ask me anything →

Get the deals before anyone else.

I share off-market opportunities, power of sale properties, and seller finance deals with people on my list — before they hit public listings, if they ever do.

Off-market properties
Power of sale alerts
Seller finance opportunities
Toronto market insights

No spam. One email when something worth seeing comes up.

Let's talk about what you actually need.

Whether you're buying, selling, stuck in a tough spot, or just curious about seller financing — send me a message and I'll get back to you the same day.

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Toronto, ONServing the GTA and surrounding areas
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steven@property.caI read and respond to every email
Same-day responseWeekdays and most weekends