Archive for the ‘Credit checks’ Category

Part 1: My Tenants Haven’t Paid Rent For Months

Wednesday, July 1st, 2020

We are posting some of the thousands submissions sent from landlords across Ontario. Make your voice heard.

I know a lot of landlords really frustrated now and I am too. So we asked if our my submission could be published for people to read.

Hopefully others will see they aren’t alone in dealing with these challenges and those with power can see what is really happening.

Our Story – We Did Every Thing Right, The System Is Wrong

Like many others reading here we are not a rich. We are originally immigrants who saw Canada as a peaceful land which followed the rule of law instead of the law of personality and corruption.

We arrived and are both working class people who only bought our own home later in life. We rented for years and  made sure rent was a priority to pay.

We are still coupon cutters and saved every cent we could. Yes, I’m that person you see lined up at the grocery store the morning of a sale.

We have an old tv and almost never take any vacations  and we are fine with that because we want to plan for our future.

We have never bought a new car, always used. We didn’t even want to buy a car but found public transportation lacking and not convenient, especially in the cold winters.

Finally Built a Small Nest Egg

When we finally had some savings a few years ago we were looking to invest somehow. Our money was just sitting in the bank and we spoke with our bank representative about options.

She told us we could go into GICs, but they paid very little interest. And the stock market was something we were not comfortable with because it looks to us like a casino where only the insider players make money.

We were still looking for options.

Buying A Property To Rent

After long talks with each other, we came across the idea of buying a rental property.

We rented for years and remembered how tough it was to find a really nice place. We always worried about the landlord/property management because many of the rental buildings were not well maintained in our city. When we needed to move and find a new place due to work reasons it felt like Russian roulette.

So we decided we can try to buy a well located property and make it the nicest one around.

And we would be the best landlords around.

We wanted the property and how it was run to be exactly what we always looked for but never found. We planned to personally take care of the property, fix things quickly and with high quality materials, and charge an affordable price.

Our goal was people would see our place compared to others and get to know us for a mutually respectful business relationship.

Great Duplex, Great Rental, Great Location

We spoke with our bank and learned what we needed to qualify for the mortgage. I know tenants are talking a lot about mortgage fraud by small landlords and it does exist, especially for people with multiple rentals. This is wrong and makes us all look bad.

Fortunately for us we had high credit from always paying our bills and could qualify to buy a property in a certain price range.

We spent months looking and looking and the more places we saw the more we were confident we could be the best landlords around. So many of places for sale were run down, damages, smelled horrible, and not something we would have wanted to rent.

Our real estate agent finally showed us a property in a good area close to public transportation, shopping, and schools. It was vacant and we were told by our real estate agent the current owner was a foreign investor who wanted to sell.

We made our offer and after some wiggling it was accepted! We finally had our investment property, in a nice area and now it was our time to have the perfect rental property with (we hoped to be) amazing, caring landlords.

Fixing The Property

In our area it’s hard to find a really nice rental in a great area. Now we at least had the great area. Now it was time to fix it.

We did everything ourselves except the new shingles and the electrical and plumbing. We spent weeks scrubbing, painting, putting in new flooring and landscaping.

We spent more on our rental than in our own home for things like blinds, curtains, new counter tops, new appliances, and new clean light switches.

Both the upper and lower units looked like brand new houses.

We made them into places we always hoped to find but always ended up disappointed.

Great Property On The Market At An Affordable Price

We felt great even after coming home at midnight after doing sanding, painting and other fixing issues in the new property.

We had one of the best properties on the market, we wanted to be the best most friendly landlords ever, and were optimistic and excited.

We are both working class people wanting to help working class people like us!

Things Started Off Well

We found good tenants for both units in the upper and lower apartments. We made sure to use the right legal materials and rent credit checks with Rent Check.

It was a good first year. Unfortunately, the lower unit moved out after a year and the couple of teachers moved out after two years because they bought their own townhouse.

Our next tenants moved in and things were also good for a long while.

No Evictions, No Landlord And Tenant Board, No Law

They are legally “playing the system”

Things have changed in 2020. We had our first problems with the downstairs tenant who didn’t pay rent in February. He hasn’t paid since.

Then after Premier Ford say tenants didn’t have to pay rent in March our upstairs tenants have refused to pay. They told me it’s “their right.” They didn’t want to negotiate, didn’t want to work things out.

Our Tenants Are Now Not Paying Rent And We Can’t Evict Them And We are Owed Thousands of Dollars in Rent With No End In Sight!

This is all because the government is not allowing the legal system to operate… and we suspect our tenants are abusing the system because they know they can’t be evicted! Isn’t Canada supposed to be a nation of laws and not one of lawlessness?

Things were about to become worse. Doug Ford where are you to help me and my family not go bankrupt!

To Be Continued…

Ontario Landlords Need To Be Able To Evict Non-Paying Renters

Thursday, June 4th, 2020

Landlords Across Ontario Need The Legal System Up & Running 

Small landlords are different than big REIT corporate landlords. Many of us used to rent ourselves, or we have friends and family members who rent.

We are understanding and helpful. We are patient and kind to our tenants. We want to work things out for a win-win situation. We aren’t afraid of posts on this site to help tenants.

We also need rent to be paid on time in order to survive!

Small landlords don’t have economies of scale, don’t have huge cash reserves, and many need rent paid each month just to cover our costs.

A large number of tenants are co-operating with their landlords and deferring rent or creating payment plans.

However, many tenants are not paying rent or even a portion of rent.

Many tenants even with the means to pay are simply saying “No.”

They know they cannot be evicted and are ‘gaming’ the system by not paying when they can.

In our internal polling over 70% of tenants did not pay full rent on June 1st. 

WE NEED RENT TO BE PAID OR NON-PAYING TENANTS TO BE EVICTED

We understand many tenants are facing financial difficulties. But do not put their financial problems on the backs of small residential landlords who are also suffering.

If you think this is cruel then government can just give the tenants a grant or a loan, instead of putting all the pressure on small landlords. We have led the way lobbying for help for tenants who need it.

We need to open up the legal process and allow small landlords to evict non-paying renters.

Over 50% in our internal polling shows small landlords are going to sell if they cannot collect rent or evict non-paying tenants within the next couple of months.

This will hurt the entire rental stock of our province. Where is the long term planning by our government leaders…leaders who our members helped get elected on their promise of “making Ontario open for business.”

The Ontario Landlords Association Will Get Your Voice Heard

We are sending your ideas and concerns directly to the Premier.

Please send us your support of “Landlords Must Be Able To Evict Non-Paying Tenants” to us at  evictnow@lobbyist.com

We Need To Be United and Together To Send A Strong Message

We Need the Legal Process Working And To Be Able To Evict Non-Paying Tenants

Saturday, May 30th, 2020

Create your own user feedback survey

Small Residential Landlords Need Support

Saturday, April 25th, 2020

Create your own user feedback survey

 

We Explained And Premier Ford Gets It  – 

“A lot of them aren’t big landlords. They’re just hard-working people that might have a couple units that are trying to survive.”

Ontario Landlords Association members have been relentless in getting our message across to those in power. Our businesses are at stake!

We are working hard together to support fellow landlords and our tenants in need during this crisis. Wow, we’ve been working non-stop!

Via phone calls, emails, zoom meetings and more, our members across Ontario have been in constant regular contact with MPPs (including Cabinet Ministers), the Ministry of Housing, and even Premier Ford himself.

Protecting Small Landlords, Our Rental Businesses, And Our Tenants

Thanks to our members the message is getting through as Premier Ford stated his support for small residential landlords saying:

“A lot of them aren’t big landlords. They’re just hard-working people that might have a couple units that are trying to survive.”

Our message has been heard.  Loud and Clear.

Ontario Is Reopening Under The Guidance of Premier Ford

Ontario premier Doug Ford said he will announce details for a gradual reopening Ontario next week. He reiterated that the plan to restart the economy will be a slow process that unfolds in phases.

With May 1 approaching, Ontario Premier Doug Ford said today the province is asking the federal government to help with a residential rent relief program.

“Today, I’ll ask the prime minister to work with us on a program for residential tenants,” he said.

His announcement comes on the heels of prime minister Justin Trudeau detailing a program for commercial rent relief that the federal government is implementing in partnership with the provinces. Ford said the commercial rent relief program will cost $900 million.

Ford added that he will “push the federal government” on rent relief.

We’re doing it with businesses, now we need to do it with tenants and landlords for residents,” he added. “A lot of them aren’t big landlords. They’re just hard-working people that might have a couple units that are trying to survive.

He said the federal government has been a “fabulous” partner “but we need more. We need more for residential rent.

The Minister of Housing supports our cause saying “When these families are forced to choose between food and rent, it also impacts Ontario landlords and the stability of our rental housing sector.”

Clark wrote a request to help small residential landlords to the Trudeau government this week.

Your Voice Is Being Heard, Now We Need To Step On The Gas Pedal!

Small landlords have invested their savings and bought rental properties across the province. This has created hundreds of thousands of affordable, high quality rentals all over Ontario.

We need to be protected as we have put our faith into creating high quality rental properties…just like the properties we always wanted to rent!

Help Us Make Change to Protect Small Residential Landlords!

Let us know your thoughts and opinions and it will be sent to Premier Doug Ford and those in the top positions of power.

“N4” Eviction Notice Does NOT Mean You Have To Move Out

Tuesday, April 21st, 2020

Disclaimer: “This isn’t an attack on landlords. This is an attack on the system that got us here.”

Landlords Are Scheming To Intimidate Tenants And Pressure Us To Give Up Our Legal Rights!

May 1st is quickly approaching and renters are under even more pressure to make rent due to the Covid 19 pandemic.

A loophole in Ontario’s eviction ban means landlords can still threaten tenants with eviction notices, leading some renters to vacate their homes in the middle of this life threatening pandemic.

The Ontario government banned new eviction orders last month, with Premier Doug Ford promising “no one will be kicked out of their home or their rental apartments based on not being able to pay the rent.”

But the government later stated landlords can still serve renters an “eviction notice,” even though “eviction hearings and orders are on hold.”

So while landlords can’t evict you, and there the Landlord and Tenant Board is closed and landlords cannot even get a Hearing to “try” to evict you, they are still trying.

And many are using unethical dirty tricks to make you leave your home (illegally) in these trying times!

Property Management companies like Berkley Inc. and Westbury Rentals have sent out N4s.  

And small landlords who often act so pure and innocent (“we were tenants too“) are the worst offenders in trying to trick and intimidate tenants.

Tenants Need To Know:

-An eviction notice is NOT an eviction order.

-You do NOT have to leave your unit if you receive an N4 from your landlord.
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-ONLY the LTB has the power to evict you.
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Landlords Have No Power…They Want To Trick You To Pay

ictions Are Illegal. You Don’t Have To Pay Rent! They Are Trying To Trick .
Small landlords keep trying to trick tenants.
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In most cases, experts say, the evictions are illegal, since landlords are required to go through the courts to evict tenants, and most courts are not currently processing eviction orders.
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And the courts (LTB) are closed.  Landlords are trying to deceive you.
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An Eviction Notice Doesn’t Mean You Have To Move Out!
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In Ontario this “N4” is toothless and powerless.
DO NOT MOVE OUT.
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You can even use it against your landlord.
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But that is for another helpful post!