The $1 Million Dollar Difference: BC vs Alberta
- Marcus Ellington
- Jan 4
- 3 min read
Most investors think they already know the answer.
BC = safe, proven, high appreciation.
Alberta = emerging, unpredictable, “maybe later.”
But when you actually run the numbers…
When you strip away assumptions…
When you compare the same $150,000 investment side by side…
The results are so lopsided it almost feels uncomfortable.
Let’s walk through it and don’t be surprised if you start questioning everything you thought you knew about Canadian real estate.
The Same $150K… Two Completely Different Financial Universes
B.C. Condo
Purchase price: $750,000
10‑year value: $1.2M
Net profit: $450K
Total wealth created: $600,000
Respectable. Predictable. Familiar.
But now look at what Alberta does with the exact same capital.
Alberta Multiplex (MLI Select Eligible)
Purchase price: $3,000,000
10‑year value: $4.5M
Net Profit: $1.5M
Total wealth created: $1,650,000
Same money in. Almost 3 X the wealth out.
This isn’t magic. It’s math.
Powered by a federal financing program most investors have never even heard of.
Cash Flow: The Silent Deal‑Breaker
Here’s the part most people avoid talking about.
BC Condo
High mortgage
High strata fees
High taxes
Often negative cash flow for years
You’re feeding the property every month, hoping appreciation bails you out later.
Alberta Multiplex
Lower land cost
Strong rental demand
CMHC‑insured financing
Often positive cash flow from day one
One drains your bank account. The other fills it.
Which one builds wealth faster? You already know.
The Financing Advantage That Changes Everything
BC condos follow traditional financing rules:
20% down
25–30 year amortization
Strict income qualification
Alberta multiplexes under CMHC MLI Select offer:
5% down
95% loan‑to‑cost
40–50 year amortization
3.0–4.5% fixed rates
No personal income qualification
This is why a $150K investor can control a $3M asset.
This is why the returns explode.
This is why institutional investors love this program.
And this is why individual investors who discover it rarely go back to condos again.
The Alberta Shift: Why Timing Matters
Alberta is hitting a rare alignment:
Fastest population growth in Canada
Lowest vacancy rates
Strong job creation
Massive rental demand
No rent control
No land transfer tax
No speculation tax
This isn’t hype. It’s data.
And when you combine strong fundamentals with government‑backed leverage, the compounding effect becomes almost unfair.
So Why Isn’t Everyone Doing This?
Because most investors:
Don’t know the program exists
Don’t know how to qualify
Don’t have access to pre‑market multiplex inventory
Don’t have the underwriting expertise
Don’t have the builder relationships
This is not something you can do alone.
You need a team that specializes in MLI Select, understands Alberta’s rental market, and has access to the right projects.
That’s where JULY Investments comes in.
Here’s the Moment Where Most Investors Lean In…
If you’ve read this far, something clicked.
Maybe it was the numbers. Maybe it was the leverage. Maybe it was the cash flow. Maybe it was the realization that you’ve been playing the wrong game in the wrong market.
Whatever it was, don’t ignore it.
Opportunities like this don’t stay quiet forever.
Ready to See What Your $150K Could Actually Control?
If you want:
A confidential net‑worth assessment
A breakdown of your purchasing power
Access to upcoming multiplex projects
A personalized comparison of BC vs. Alberta returns
Then take the next step.
Email: info@july.ca Subject line: “First & Last Name – Net Worth Assessment Form Request”
You’ll receive a private assessment within 48 hours.
No pressure. No commitment. Just clarity, the kind most investors never get.
Because once you understand what’s possible… You’ll never look at a BC condo the same way again.
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