Archive for the ‘Ontario landlord advocacy’ Category

It’s Important To Pay Your Rent To Your Small Landlord

Friday, September 11th, 2020

My name is Laura and I post under my name on the Ontario Landlords Forum. I’ve been active there for years to try to help other tenants and give some of my advice to help small landlords too.

These are crazy times for everyone.

And while tenants are suffering it’s also important to know your landlord might be suffering too. This pandemic is hurting everyone.

We Need To Stick Together

I used to own a house and we rented our basement out years ago and it really helped us cover our mortgage. When my husband died my children were grown so I decided to sell the house and rent.

Renting has a lot of advantages.

I don’t have to worry about any maintenance issues and my landlady has a service to cut the lawn and plow the snow.  My landlord cover my utilities so she can get just one payment each month to keep things uncomplicated.

My landlady is a teacher and her husband has his own contracting company and they are terrific.

“Are You Going To Pay The Rent?”

When all this chaos started in March and the government said “tenants don’t have to pay rent” my landlady called me and asked me if I was going to pay the rent.

I told her “of course I will”. She was thankful and said if I needed a break just call her.

My Landlady Is Professional and Kind, And I Make Paying Rent A Priority

I’m in a pretty good situation where I don’t need to worry about buying food and my children are adults now.  I know others might not be as safe as I am.

I’m going to pay the rent not only because it’s the right thing to do, but because I want to keep my excellent relationship with my landlady and know that if I don’t pay rent it could hurt her financially (and even lead to her selling this place).

Pay You Rent And If You Can’t Call Your Landlord

My landlady isn’t some big global corporation. She and her family invested and thanks to them I have a great place to stay at a great price.

Rent Strike Hits Small Landlords, Not The Corporate Landlords

-Not paying rent will just get rid of the small nice landlords who care about you.

-Not paying rent will not impact the big heartless corporations.

-The whole “rent strike” people are likely corporate landlords who want to get rid of small landlords who are their competition.  At least that’s what I think.

Stay Home and Stay Safe!

I’m so happy to have a great rental with a great landlady. I feel safe and don’t ever want to move.

With Love And Wishing Everyone Stays Safe,

Laura

 

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

Monday, June 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…

Why I’m Not Paying Rent – Because It Just Makes Sense Not To Pay

Wednesday, April 1st, 2020

Landlords Are Running A Business, So They Should Act Like Business People and Not So Entitled. You Are Not “Special”

We hear so many media stories of why working class tenants who are suffering in this deadly pandemic “must” pay rent.

We hear paying rent instead of saving money for food and emergencies is “the right thing to do”.

And while we are laid off from work and worried about our future and being worried about being able to eat, we should “care about the landlords who need to pay their mortgage.”

It’s really makes me gag and want to throw up. The landlords are trying to make a case based on ‘morality’ when it’s really just a business case.

The are so entitled they view the paying of ‘rent’ like some kind of virtue and if you don’t do it you should be shamed and go to Hell.

Pay Your Rent. I’m Your LORD!  (Yes I can’t get a job and didn’t finish high school but now I’m getting paid your rent monthly and need to buy weed!)

Landlord – Tenant Matters Are A Business Negotiation

Landlords are running a business, yet they expect pay from their client (their Tenant) to instantly appear like the 11th Commandment is “You Must Pay Rent and Enrich Your Landlord.”

In any business that involves buyers and sellers both sides are always negotiating and trying to get an edge.

In all business relationships buyers and sellers are often at odds.

Rent Must Be Paid No Matter What! (because i’m not shopping at no frills ever again buying kraft dinner)

Not Paying Rent Is a Smart Business Choice

Landlords want to make this a moral/ethical debate when it’s not.

Tenants are making their own logical decisions which are best for us and even the Premier and Prime Minister agree with us!

Landlord Cries, Tears and Threats Are Pathetic

What other type of business people will cry about unfairness when a Buyer wants to make changes in the payment system with the Seller?

You Own A $500,000 to $1,000,000 Property And Need My $2000 To Survive…Are You Biggest Idiot Ever?

Why are you so crazy if your client needs to delay payment.

How would a real business handle this? They would use their cash reserves to cover current costs.

But these landlords can’t afford $2000 in a deferred payment because they are speculators!

No one told they they had to become a landlord.

Your Business Plan Is So Bad You Don’t Have Any Savings?

Really? So you need my money to keep your million dollar business afloat? Come on, you are either lying or a crappy business person.

You Put 5% Down And Have A Huge Loan/Mortgage. Maybe This Wasn’t a Good Idea.

My landlord is a speculator. You put a tiny % down and owe huge debt payments.  Now you blame me for your crappy business idea? You took the risk, tool. No one said being a “landlord” would be an automatic pot of gold.

Government Supports Us

Even the landlord-friendly government sees this like I do. This is why they have stopped all evictions.

Landlords Are Running A Business and Need To Listen to Their Clients

We tenants are their clients. We are the ones paying them.  If we refused, and legally so, that is our decision.

You should have prepared a better business plan that included a few months of not getting rent…just like other businesses prepare for not getting sales.

Small Landlords Are Not Real Business People

With all their cries of unfairness and anger it’s clear they are not educated enough or smart enough to run a hot dog stand.

They also can’t get real jobs based on some of the Youtube videos I’ve watched. I mean, if you make a Youtube video talking about landlord rights don’t be stoned…or is that just autism?

And What About Small Landlord Mortgage Fraud?

There rampant mortgage fraud (hey your income can be faked says the landlords mortgage broker pal, to get that next property or 4) is a tool for them to try to cheat the system. 

And many landlords don’t officially marry to get extra child support. What a scam!

Sorry, I’m Not Falling For Your Cries of Help

Federal and provincial governments have made it clear Tenants should not make paying rent a priority and there are no evictions.

Real business people will be prepared for these types of policy changes, especially during a pandemic.

Real business people would appreciate their good tenants and not want to evict for non-payment.

Real business will see a blip of non-payment from clients facing serious challenges as a way to improve relations by helping these clients.

I’m Not Paying Rent And You Shouldn’t Pay Rent To These “Special” People 

Let’s Fix The Laws/Encourage Landlords To Invest in 2020

Wednesday, January 1st, 2020

There are going to be some big changes coming to the Ontario rental industry in 2020. Last year the Ontario Landlords Association was asked by the Ministry to provide our recommendations for changes.

We provided a very thorough and comprehensive list that would not only encourage more investment into Ontario residential rentals, but would protect both good landlords and good tenants.

Tenant Groups Are Lobbying Hard

While we presented an important list, the tenant activist groups sent in theirs. Typical “blame the landlord” ideas which would lead good people to avoid investing and hurt tenants.

It’s Time For Change! (Before it’s too late)

We keep hearing about small landlords who face huge delays for Hearings and manipulative tenants who “use the system” to avoid paying rent and even harassing their landlords.

The key to the low vacancy rate is to change the rules to encourage more investment, especially from smaller private individuals.

Let Us Know Your Thoughts and Opinions

Please take the survey and also let us know what you think should be changed to make things better for small residential landlords in 2020!

We’ve been around for over a decade and are the only ones fighting for small landlords. Make Your Voice Heard!

Create your own user feedback survey

YOU *DO NOT* HAVE TO PAY RENT ON THE 1st IN ONTARIO (You Have A 2 Week Legal Cushion, And Months More)

Sunday, December 8th, 2019

In These Difficult Economic Times With Precarious Employment and Lay Offs Many Good Tenants Can’t Pay the Rent On Time…But You Can’t Be Kicked Out!

“No baby, we won’t be homeless as Mummy looks for a new job”

We live in difficult times.  Good landlords are aware of this and will support this post as it’s just an informative way your tenants can keep renting your over-priced property and making you rich for doing no real labour.

Landlords need to remember that while you do no work to take our money, tenants must struggle and work every day to try to feed our families and pay you your pound of flesh.

The Toronto Star recently had an article about being evicted and what tenants can do.  The advice was good but very limited as most mainstream media is these days.

This Is A War Against Tenants And the Working Class

The reality is workers are being laid off or even fired in place of third world factories with no human rights.

Even in Toronto many workers are given a low severance and an evil “good bye” as companies seek cheaper labour as they outsource.

Tenants are victims of the “gig economy” unlike Baby Boomers and Generation X who had it so easy in an era of low costs and high wages and even idiots and high school drop outs could get high paying jobs.

They put their businesses in places where workers are treated like slaves. Workers are whipped, chained, raped and beaten…all to make sure that new iPhone gets built for a low cost.

Landlords have a social responsibility

Good Landlords Will Understand Late or None Payment of Rent And Agree For Delays

Tenants are struggling. 

Smart landlords will have some empathy and understand if you can’t pay rent on time. They will give you a break and let you have a month or two of late rent, or even free rent for a few months.

Why Will They Give You A Break? 

Because the costs and risks of renting to new tenants is huge.  They might get a game player who never pay. Or get a nasty tenant who will damage their unit or upset others (including other condo owners). They should give you a break…but….

Landlords hate Tenants who know the rules!

If You Don’t Pay On The First Will You Be Kicked Out?

No!

There is a legal process landlords must follow.

If you don’t pay rent you will have months of rent free living and the opportunity to pay (and stay in your home) after many, many months!

I Didn’t Know That! What Is the Process? 

Landlords will file what is called an N4 to tell you to pay rent.  This give you 14 days to pay, but even if you don’t pay it’s okay!

The N4 is pure intimidation, you don’t have to move! LLs use this paper work to intimidate & threaten.

So If I Don’t Pay I Will Get Kicked Out?

No. 

Not at all, you are protected. You don’t have to pay for 14 days…and if you don’t pay in 14 days the landlord has to “apply” for a “Hearing Date” which can take 6 months or more (and you can pay right up to the date you will be evicted).  So you have months to pay the rent.

So What Happens If I Don’t Pay On The First Of The Month?

The N4 gives you two weeks to pay. You don’t have to pay the rent on the 1st of the month!

The landlord needs to then apply for a “court date” at the Landlord and Tenant Board.

These dates are between 6 to 18 months. That means you have a breather for a long time! 

In These Crazy Economic Times You Deserve a Break At Your Landlords Profits Expense!

Nothing can happen until you go to “court” at the Landlord and Tenant Board.

What Happens In The Period of Not Paying And the Hearing Date?

Nothing. 

You don’t have to pay a cent. And your landlord can’t harass you. 

If they do you can call the government Bad Landlord Police and get the landlord fined and even criminally charged!

You can also call the police.

So I Can Not Pay For Many Months and Still Stay In My Rental?

Yes. 

It’s not “your rental” it’s “your home”. 

The landlord will have to wait for months to get a “court date” at the Landlord and Tenant Board (LTB).

What If I Want To Stay, Should I Pay All Rent Before the LTB Hearing?

No. Don’t be foolish.  This is a “business negotiation”.

Go to the Hearing. You are the victim and your landlord is getting rich thanks to your suffering and poverty!  LTB judges know this!

The LTB has a room where tenants and landlords can “work things out” called mediation.

You can agree to pay the rent owed, but why not negotiate?  Say you will pay 20% to avoid a “trial” at the LTB. 

Many landlords will be happy to get the money and avoid the stress of going in front of an LTB adjudicator and potentially getting nothing.

Landlords are scared of trials where they will be held accountable for their crimes against humanity. Google “Nuremberg trials“.

How Can I Prepare For the LTB Hearing?

The best defense is a good offense.

Let’s walk you through this….Take a look around your home.

Do you see any maintenance issues?

Remember: no house is perfect so for sure you can find something.  Mold, stairs not up to code, fridge is not super cold, etc, etc. etc.  You can use this as a weapon!

Do I Have To Tell My Landlord About These Problems Before the Trial?

NO!

Don’t tell them. 

Bring them up at the LTB hearing and SHOCK your landlord.

This will immediately lead the adjudicator to cancel your hearing and book another one so the landlord can fix the things you brought up (hint: bring up a lot of stuff!)

You get another 3 – 6 months of rent free living. You need this help you SURVIVE in this crazy property owner controlled brutal capitalist world!

Landlords call this “trial by ambush” but it’s just part of the legal system to protect good tenants. And it will give you months of more free rent.

This is the best way for poor working class tenants to fight their rich “villa in Paris” or “apartments in China or Iran”.

More Help For Tenants

Remember you can get free legal help (and your landlord doesn’t and has to pay thousands).

Yes, it’s free!  And it will lead your landlord to have to pay for legal representation and while you get if free they will be charged $250 to $400+ per hour! 

You can bleed your landlord dry as they can’t afford these rates.  You pay nothing and they have to pay $300/hour and you can bankrupt them, as many tenants have done (not reported but we all know the score).

So I Don’t Need To Pay For Months And Can Still Live In My Rental Home?

Yes. 

The whole process will take at least 6 to 8+ months (you can live rent free). 

You Can Also Appeal

After 6-8 months to a year of living rent free, and using this money to pay for university and better food for your kids you still have option.  You can pay and stay or you can just leave.

Stay Strong! Don’t Be Intimidated! Learn How ‘The System’ Works To Protect Your Family!

Tenants Waking Up And Fighting For Our Rights

If you can’t pay rent don’t be intimidated. You have a system that protects you and you can even not pay and stay in your home for months (or years if you are smart).