The $1,247 Monthly Real Estate Mistake That's Killing Your Wealth (Real Numbers Inside)

Want to know why most young Calgary investors are bleeding money right now?

They're making ONE crucial mistake that's costing them $14,964 per year.

And it's not what you think.

Looking to compare rental strategies?

Check out my guide on short-term vs. long-term rentals in Calgary

• Rental Property Rules and Regulations 

• City of Calgary STR Licensing

  Alberta Residential Tenancies Act

The "$300K Downtown Condo" Trap

Meet Alex. [name changed for privacy]

Software developer. Making $120K/year.

He almost bought a "luxury" downtown Calgary condo for $300,000.

Here were his numbers:

Downtown Condo Breakdown:

• Purchase Price: $300,000
• Down Payment (5%): $15,000
• Mortgage (4.14% fixed, 25-year): $1,547/month
• Condo Fees: $450/month
• Property Tax: $175/month
• Insurance: $75/month
• Utilities: $150/month
• Maintenance Fund: $100/month
• Total Monthly Costs: $2,497

Expected Rental Income: $1,850/month Monthly Cash Flow: -$647

That's $7,764 GONE every year.

The "Boring" Property That Made Him Rich

Instead, I showed him this "unsexy" duplex in the suburbs:

Suburban Duplex Breakdown:

• Purchase Price: $400,000
• Down Payment (5%): $20,000
• Mortgage (4.14% fixed, 25-year): $2,063/month
• Property Tax: $225/month
• Insurance: $100/month
• Utilities: $200/month
• Maintenance: $150/month
• Property Management: $200/month
• Total Monthly Costs: $2,938

Total Monthly Rent: $3,538 (Main Unit: $2,500 + Basement Suite: $1,038) Monthly Cash Flow: +$600

That's a $1,247 monthly difference. Or $14,964 more in your pocket every year.

But Wait... The Numbers Get Even Better

Remember Sarah (also a privacy-changed name)? She’s a teacher who bought in Forest Lawn instead of Beltline.

Now, her “basic” property generates $1,500/month in pure profit.

The Triple Revenue Stack:

1. Main Floor Rent: $2,500
2. Basement Suite: $1,000
3. Parking Space: $150
4. Storage Units: $200
5. Laundry: $100

Total Monthly Revenue: $3,950

Total Monthly Costs: $2,450

Pure Monthly Profit: $1,500

Why This Works In Calgary RIGHT NOW

Latest market data shows:

• Sales-to-listings ratio up 24.3%
• Buyer competition increasing

Translation? Perfect timing for cash flow investors.

The "No-BS Property Filter" (DEMO Numbers)

Here’s what my successful clients look for:

min 5% Down Payment (if under 500k) 

(assuming owner-occupancy for at least one year)

Note: To qualify for a 5% down payment, the buyer must intend to occupy one of the units as their primary residence for at least one year. Non-owner-occupied rental properties require a minimum 20% down payment.

Calculate real mortgage payments (use current ~4.14% rates as of jan 12, 2025, also can vary)

Account for condo fees/utilities ($450–$600 in Calgary)

Include property tax ($175–$250/month)

Create your own reserve fund for surprise expenses (put money aside monthly)

The Real Revenue Stack

• Primary rental income
• Secondary suite potential (+$1,000–$1,200/month)
• Additional revenue streams (+$300/month or more)

Note: The numbers above are for demonstration. Actual performance varies based on property condition, market fluctuations, and management.

The Truth About Calgary Real Estate

Here's what nobody tells you:

The investors making real money in Calgary aren't:

• Buying in "hot" areas like Beltline or Mission
• Waiting for prices to drop
• Looking for "perfect" properties

They're running REAL numbers and taking action.

Your Next Steps (With Real Numbers)

Tired of losing $647/month like most new investors?

1. Download my "Calgary Cash Flow Calculator"
   • Plug in ACTUAL #'s
   • See real operating costs
   • Get your true cash flow number
2. Book a strategy call
   • We'll analyze real Calgary properties
   • Run actual 2025 numbers
   • Build your action plan

Don't wait.

Every month you delay is $600-$1,500 in lost cash flow you'll never get back.

Ready to Start?

• Follow me on Instagram: @nasahctus
• Call or text: 403-808-9705
• Email: hasan@gettygroup.ca

[Learn more about rental property strategies in my detailed guide: Short-Term vs. Long-Term Rentals in Calgary]

P.S. Last month, I helped 3 investors find cash-flowing properties in Calgary.

This month - Will YOU be one of them?

CALL / TEXT me TODAY : 403.808-9705

But if you're ready to put in the work, I'm ready to show you how.

Related Resources:

• Why Calgary Townhomes Are The Best Buy for 2025
• Short-Term vs. Long-Term Rentals in Calgary

   

• Rental Property Rules and Regulations 

• City of Calgary STR Licensing

  Alberta Residential Tenancies Act

Connect With Me:

📱 Instagram: @nasahctus

📞 Call/Text: 403-808-9705

✉️ Email: hasan@gettygroup.ca