Monty Sands

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Monty Sands As an inspirational leader, Monty Sands has built a business that empowers individuals to achieve wealth, both in life and in business.

An apartment building's cap rate is above the quoted interest rate. That starts a conversation—but there is more to revi...
10/30/2026

An apartment building's cap rate is above the quoted interest rate. That starts a conversation—but there is more to review.

Look at actual loan payments, including principal where applicable, plus repairs, fees and reserves. Then test lower income, higher costs or a delayed refinance.

Bring the property's operating picture and proposed loan terms together before drawing a conclusion.

Read the related Monty Capital guide and prepare your financing conversation:
https://montycapital.ca/before-you-buy-gta-apartment-building/?utm_source=facebook&utm_medium=organic_social&utm_campaign=soc-06

Monty Sands
Mortgage Agent, Level 2 & Team Leader
RMA/MCC/DLCG (Mortgages & Private Lending)
Real Mortgage Associates Inc.
Chief Financing Officer
Monty Capital Inc. (Business Financing)
416-551-2335 ext. 101 | 416-551-2334
[email protected] | www.mtgm.ca | www.montycapital.ca
Agent License # M08002722 | Brokerage License # 10464
Independently owned and operated.

Planning a GTA rental-property purchase? Organize the building, business plan and questions before discussing commercial or CMHC-insured financing.

01/09/2026

Grateful for real mentorship, good energy, and disciplined thinking.

This video is me saying thank you to . After more than 20 years in this business, I’ve learned that clarity, accountability, and ex*****on matter more than hype.

Also grateful for the broader DLCG network, especially , , Ron De Silva, and Being in the right rooms sharpens how you think and how you operate.

This is the standard I’m carrying into 2026.





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629 King Street W
Toronto, ON

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