Bill 60 Breakdown: What Ontario's RTA Overhaul Changes for Landlords

Introduction

Hey everybody, welcome to our October, end-of-month conversation about what landlords need to know — what’s exciting, what’s going on, what’s new. And like our conversations always, it’s a three-headed monster. We have with us, as always, Rob Di Lisi from Stonegate Legal Services and Kayla Andrade from Front Lobby and Ontario Landlord Watch. Guys, say hi, welcome again.

Hi everyone, good to be back. I’m looking forward to talking about what we’re going to talk about today. Waited all month for this!

Yeah, so lots to talk about today. I’m sure everybody has heard what’s going on with Bill 60 and what’s coming. At least the first draft has been released, and we are going to discuss, break down, and share it with everybody today. Obviously there are going to be changes, and remember this is just a friendly conversation among three friends who are here to help educate and support you landlords out there.

So let’s dive right into Bill 60. Rob, why don’t you break it down for us from the legal side of things? What does this mean,

and what are we looking at here?

Bill 60 Overview - What’s Actually Changing

Well, it means a lot if it goes through. Instead of getting into all the legal detail — I have some minor points, because today I did three podcasts on this, so I’ve been talking about it all day. The real breakdown — I’ll leave the last one for last, because it’s the removal of security of tenure.

But I want to talk about the N12 first. Right now the N12 is a minimum 60 days’ notice, one month’s rent compensation. Now they’re saying if the landlord wants it for personal use, it could be 120 days with no compensation.

That’s going to be for the N12. But what’s not going to change in the N12 is going to be the second page, fourth paragraph, which says they still have the right to wait for a hearing — even though you’re changing the notice period, the remedy for the landlord still requires going to the board if the tenant challenges it. That’s the first thing.

Next is the N4. I think Kayla is going to like this — the notice period right now is 14 days, and they’re going to change it to seven days. Is that a big difference? No, it’s not going to be a big difference,

because again, if the tenant doesn’t pay, you still have to wait to get to the board. Next is Section 82 issues. That’s when tenants raise their own issues at a non-payment of rent hearing.

To avoid it being used as a delay tactic, they’re now going to ask the tenant to pay into the board 50% of the arrears claimed. This is supposed to reduce delay tactics. And last but not least — well, not last, but in regards to Section 83, which is for review of applications — it’s now going to be shortened to 15 days, which is good, because now these matters can be heard quicker. And last but not least is security of tenure.

They were going to change it so that when a tenancy comes to an end, the landlord can end the tenancy. Now, I’m going to give my opinion — I agree with security of tenure, believe it or not. I don’t think a landlord should arbitrarily end a tenancy. I think they need to have a legal reason,

and yes, there are some problems with the law where if someone’s not paying market value and all that stuff — I know, Kayla — but I do believe, because I try to be fair, I try to look at the landlord side, but I also try to look at the tenant side. Now Ford has been — what do you want to say, Kayla?

Bullied to make a change. Other than that, even though these changes — remember, it’s only the first reading, they still have to go through it. They’re going to be making some more changes. So I know it’s a big topic right now, but I don’t want anyone to think this is a law yet.

It’s not law yet.

Kayla’s Take: Why This Bill is ESSENTIAL

And now I’m going to pass this to Kayla, because I know she has lots to say. Obviously we respect your opinion. I think we’re looking at the government looking at other provinces, looking at what Alberta does — at that fixed term, it’s either you sign on for another year or you go month-to-month.

And if you don’t sign on for another year in Alberta, it automatically goes month-to-month, but you either have to end the tenancy or renew for another year. If it’s happening all over Alberta and Canada, why can’t it happen here in Ontario? Right now I find politicians, our tenants — good and bad — and our tenant unions have literally taken to social media and started yelling like the sky is falling. “The sky is falling, rent control is going away.

They’re kicking us out for no reason.” If you look at what’s in this bill, there’s a keyword: consult. First and foremost, consult. We’re just talking about it.

It’s not going to happen. Number two, I’d like to look at the possibility that if it were to go through, and we did have proper consultation, maybe this was about grandfathering — grandfathering every single tenancy currently here right now, from yearly to month-to-month. And when it looked at adjusting to market conditions — because that’s when everyone’s screaming rent control is going away — well, what is the market condition, and what is the market rate? We have CMHC, we have our regions, they’re always giving us the market rental rate, even in affordable housing — these are our affordable housing units,

these are units considered market rate. Maybe the government was just going to allow those landlords to increase to market rate, and if they did bring in the grandfather clause, anyone coming into a new tenancy would technically be at market rate. But again, anyone who’s hating on the conservative government is coming out and trying to make them look bad for something that is so good — even if you set aside the fact that you can end a tenancy, we’re okay with that. The fact remains that we need to have something in place to allow homeowners to keep up with the growing expenses that government has put on the landlord.

That’s my two cents on the part they’ve taken away. I’m going to control my other emotions right now and take a little breather, because that part has been itching at me for so long. And it honestly looks like we have a weak government when we have people making videos gaslighting everybody into thinking rent control is ending and everyone’s going to be homeless within a year. I think tenants would have been able to negotiate.

The market has changed. I have a three-bedroom unit sitting on the market empty. I have a two-bedroom unit sitting on the market empty. I have another two-bedroom coming up from a friend of ours whose tenants just moved in April.

The market has shifted. This is now negotiation time, where a tenant can come into a tenancy and say, “I want a two-year lease, I want a three-year lease” — maybe you agree you can’t raise your rent in that time frame — and then at the end of that fixed-term lease,

there was a lot of possibility, and it’s a shame our government just heard the roar of social media from our tenants, who have been supported by municipal government funding as well as unions supporting them, when they never even gave time for the housing providers who are providing the necessity of housing to the population, because they can’t depend on the government’s wait list for 10 to 22 years. I’m wearing black today as a mourning and protest —

I’m also wearing blue jays because we are in the World Series right now, so let’s be thankful our Blue Jays are playing, going for a championship. This is great though, Kevin — you’ve got to think, years of bill after bill after bill protecting tenants, and we finally get one. Come on — this isn’t even going to make much of a difference in impacting our good tenants, but it is for the bad ones, right?

So I want to put that out there to everyone watching: this is one bill in 15 years. I’ll tell you, I’ve been itching — I made a video before this and I was like, “I don’t know.”

But going back to Rob and security of tenure — I have no problem with ending that lease and letting them stay there. I think our issue is, like you said, this is a small problem being blown up. It doesn’t really make much of a difference, because you should still have to get them out for something else anyway.

If they’re a good tenant living there, paying rent on time, whatever — people need a roof over their head, right? We all need that. It’s when the situation needs to be addressed — like maintenance issues, where older buildings are getting worn down and can’t have their rent increased.

You’re talking about a different market right now. We’ve had tenants who’ve said, “if you increase our rent, we’re going to leave.” Even if you don’t lower our rent, I could go downstairs in this condo and get a two-bedroom for the same price as my one-bedroom-plus-den right now. We’ve had to discuss with landlords what we wanted to do in situations like that as well.

Security of Tenure Debate - Rob vs. Kayla

Can I just say something — and I think Kayla will agree with this — I think the tenants who are good tenants have nothing to worry about. It’s really the tenants who have a problem with not paying their rent or not following the law who are going to have a problem with this.

If you’re a good tenant — and I try to be fair, because not all tenants are bad, not all landlords are good guys either, I deal with them every single day — I like to see some fairness. I’m an advocate for the RTA, and I know Kayla’s not going to like when I say this —

I believe the law is fair. What I don’t believe is that the Landlord and Tenant Board is fair, because — oh, here she goes. I guess the majority of the RTA is pretty reasonable, minus the fact that we’re making some changes now with Bill 60. But I’m coming across new things that have never been brought to my attention before —

like Section 56, where landlords who are owners have severed their property, and because there was a tenant in the property when it was severed, they’re now protected, and the new owner — or the owner after that — can’t give a notice to that tenant to take it over for personal use. We have a family who can’t move into a property they bought because of Section 56. I think it’s more about understanding — yes, the RTA is the way it is, but making sure we have some type of committee, a task force, overseeing when this was written and whether it still applies to today’s market and today’s economy.

I think that’s the way — but when they’re changing our time frame, let’s get this straight, because it makes it look like it’s good for landlords: from 14 days to file your application, you now have seven days where you can file at the Landlord and Tenant Board. Hey, that’s awesome — I think it’s great that we get to give the Landlord and Tenant Board money, $186, seven days early

and don’t have to pay for it. Here you go, Landlord and Tenant Board — I know sometimes tenants will pay on the 14th day. But now here’s a late fee, essentially, and the landlords aren’t getting that late fee — the board is.

But hey, I’m still thumbs up, conservative government, thumbs up on that change. Absolutely love it. I was literally reading this for a meeting as it came out, and I was looking at the time, looking at it, looking at it. I felt like that witch from Hocus Pocus, sucking the life out of that kid and looking at the sun.

Oh, great. I’ve never seen something like this. And you know why?

Because they know it’s changing. They know our landlords are leaving the province. They know our contractors are paying the price, not able to get jobs, development is down, developments being canceled.

We have contractors sitting at home with no jobs. All of this comes into the landlord world, and now they want to do whatever they can to bring that fairness back. And I know right now, Rob — for 60 days, 120 days, you’ve got to compensate — is it still going to be that one month’s compensation, or are they increasing it?

We don’t know that yet, right? These are all fine details we don’t know. And then we have to wait four months — like, God, if I actually need my unit, I’m going to be homeless for four months. Thanks a lot, guys.

Whatever happened to property rights? Can’t argue with you there. There is one thing I do believe they need to change, and I know Kevin you’ll agree with this for sure — the certificate of service still has a fax machine as an acceptable form of service, but email is not considered an acceptable form of service.

Now, you both know in the Ontario Standard Lease there’s a section allowing email as an acceptable form of service — but there are rules to it. The tenant must first be listed for it in your lease, they must acknowledge it — not a read receipt — and they can opt out at any time.

Now, what doesn’t make sense is that if you provide the tenant’s email when the board notifies them for a hearing, they are considered served — and they’ll also send it by mail. So they need to change that — email should be an acceptable form of service, period. That’s just me, because, like you said, time has changed — let’s use the technology we have.

Amen. It’s a perfect solution. But how come our government is not speaking with people like you?

How come I’m not important enough? You know, I have a really good idea, Kayla — you should run for office. My husband will divorce me.

This is my endorsement — Kayla for MPP, or Prime Minister. But you know what, like, you’re absolutely right — email, everyone’s on email, everyone’s on text message.

You can send that email, then follow up with a text message to the tenant — “just letting you know, I sent this email to you regarding this and this, please acknowledge it.” If they don’t acknowledge it, that’s on them. Why aren’t we making that a little bit easier? This could go a long way. You know what, we’re going to take this entire bill and pick it apart, making sure we give our input, because the government is obviously under attack — under attack from everybody, just because they’re cracking down on tenants who are professional tenants.

They’re the ones who are going to make some noise. Even for the review process — when we have tenants abusing the fact that the system in itself gives them 30 days to sit on their hands, wait it out, and then on the last day, they file for a review. No evidence, no reason for it, but they file it, and they get another hearing, and the sheriff enforcement is put on hold, because these people want to last a little bit longer living rent-free. Yeah, because they have the right to be heard.

The government’s been going after bad landlords and trying to correct that side of the equation for years, right, because that’s who they can guaranteedly get money from — or that’s when they crack down to make sure things are fair for tenants. Like Rob said, there are good landlords, bad landlords, good tenants, bad tenants. I wish we could separate both sides and put the good with the good and the bad with the bad and let them figure themselves out.

When I say bad landlords, I’m not saying all of them are malicious — I believe they just don’t know what they’re doing. They look at certain celebrities on TV, I’m not going to say who, and think buying real estate is a hands-off investment that makes millions of dollars overnight. All three of us know that real estate is not an overnight money-making machine.

I know there are ways around it — the BRRRR method and all these other things — but I’m an old-school guy where when you buy, you buy to hold, and I think I’m a responsible landlord. That’s what we need to do — teach people how to be better landlords. Now, does that mean licensing landlords?

No, I don’t think that. But there are a lot of landlords who call me and just have no idea what they’re doing. They don’t know their rights.

They don’t know the tenants’ rights. And they just try to push the tenant around, and I don’t agree with that. I think it’s all about education and information, which is why the three of us have come together and what we’re working on doing.

And it leads into what’s coming in the future with the Investor Summit and our monthly meetups, so we can continue to educate and inform. Because, like you said Rob, all the real estate coaches and whatever groups out there, they all teach you how to buy something, but none of them teach you what to expect — when it gets real, when you actually become a landlord and the game begins. I just spoke to a lady two weeks ago — she was telling me what was going on, how she’d talked to her tenants over a year ago to let them know she just wasn’t able to carry the property anymore.

This is a lady in her seventies. She wanted to move back in because it was a semi, and her nephew lived on the other side, so he’d be around when she took over the other side. She tried to give him so much notice and was trying to be such a nice lady about it, without the proper guidance. And when we started talking, she was like, “well,

my sister kept telling me I should do this or this.” And I said, “okay, cool — is your sister a lawyer?” It was no. And I said, “oh, probably the best person to get guidance from isn’t necessarily her — I know she’s giving you advice out of love and what she thinks is best for you, but it’s definitely not the best legal advice.”

So I love what we’re doing all the time, trying to make sure the right information is getting out there. We are as individual as our fingerprints — things are different for everybody’s specific situation. It’s guidance and education.

I think when we look at having these calls, giving everybody the education — that’s also why Front Lobby adapted Landlord Assist into their platform. It’s programmed from a legal professional to help guide you through the proper information. But our landlords are getting mixed signals — from different groups, organizations, and unions. And obviously now we have these changes coming in, and it’s very scary, and also people are calling it fake news.

I’m like, no, no, it’s not fake news. You’re going to call your MPP, you’re going to call the minister Rob Flack, and you’re going to make sure you even call the finance minister — we’re going to make sure they have our full support on this. Even as a landlord and tenant, and I want people to understand this — when we have landlords and tenants, we also have taxpayers.

The Alberta Model - Fixed Terms Done Right

And the taxpayers are funding the Landlord and Tenant Board. If we’re watching the Landlord and Tenant Board not being able to give justice where justice is due — justice delayed is justice denied — we’re paying for that at the Landlord and Tenant Board. We’re paying for these adjudicators. We’re paying for these mediators.

And we’re paying for the dispute resolution officers. We’re paying quite a bit to manage the Landlord and Tenant Board, and we expect it to run efficiently for both parties. And this is what Bill 60 is doing from the persistently-late side —

they had adjudicators like, five times a month or five out of the year to be considered persistently late — some want seven, but even if we go to the Landlord and Tenant Board, and Rob, you might want to jump in — when you go to the board on an N8 application because the tenant is constantly late on rent, and I’m running a business and need to make sure my bills are paid, I go to the board and you don’t get an eviction.

They’re usually put on a Section 78, and even on a Section 78 — where you have to make sure your rent is on time and in full, and if it’s a penny less or a day late, you’re supposed to get evicted — it still doesn’t always happen.

So there’s a reason for that. No, no, no — I think this is where I kind of see ourselves — we have this, and you’re going to put some rules in place for what’s considered persistently late. But we also now need to tell our government, what happens if you’re brought to the Landlord and Tenant Board and you are persistently late, because sometimes the adjudicators are listening to the tenant’s situation and asking what’s going on —

is it a Section 83 issue, are you in a hardship situation — and they’re forcing the small landlord who can’t afford it to be the social agency for the government.

So that’s my take on this new change. I like that they are still trying to create some kind of authority figure for these adjudicators so they’re not doing it on a whim or an arbitrary timeframe, but the government would consult on certain circumstances. Again, it’s that word “consult.” And even though the tenants pushed back on this whole lease-term-expiry proposal, they’re gunning for this bill, guys.

If you’re a property manager, a landlord, a realtor — if you want to keep private landlords in this industry so we can provide accommodations to tenants who can’t wait 10 to 22 years for government housing, you need to show your support and your thoughts to our government to keep them motivated to stay the course.

Can I elaborate on the N8, just so you know? Just from my experience — the N8 is not designed for an immediate eviction.

No, never. You have to flip it around. The purpose of an N8 is to try to get the tenant back on track. At least in our office, and what we see at the board, our magic number is six months or more —

you need to show, over the majority of the year, a rent roll, so you can prove to the board that they’ve been late at least six times within the last 12 months. Now, when you get to the board, unfortunately the board will consider everything — any text messages the landlord sent, because some landlords, believe it or not, will say, “oh, you get paid on this date? Okay, you can pay me on that date.” In regards to the N8, if you get an order — and I’m glad you said this, Kayla — the order will say, one day late, one dollar short, under Section 78, the landlord will have the remedy to do an eviction. However, when you do that eviction, we’ve seen that if they’re one day late and you try to take them to the board, the board will say, “well, they were late that one day —

what about the months after, did they pay?” Yes. They will not always allow for an eviction. If it’s ODSP and the cheque didn’t arrive on time, they may not allow for an eviction. If there’s a human rights issue or a Section 83 issue, they may not grant an eviction.

So remember, Section 78 is the remedy for the landlord, but because this is Canada, the tenant still has the right to be heard at a merits hearing. Welcome to Ontario.

I don’t think anything’s going to change within Bill 60 on that front either, right? I don’t think so. It lays out the groundwork letting people know the magic number is around Section 78. That’s the part where we all have to sit back and ask, do we need a bit more clarity on what Section 78 actually is?

I just want it fulfilled, because you’re already waiting a long time to get to the Landlord and Tenant Board — we put you on a payment plan, you failed that payment plan, now we’re waiting again to go back to the board because you filed for a stay. This is where we have to put something in place.

But this kind of leads into the new change with N4 applications and different wording, right? This is great — I love this part, it was exciting for me, because I was giving recommendations to the government. Like, look at all your applications — “if you don’t pay, you don’t have to leave,” or here’s an N12, “you don’t have to leave.” They’re changing the wording to make it clearer that it’s a serious matter if your landlord is giving you an N4 application, which is great, right, because I think a lot of people think landlords are a credit card, a payday loan, that we’re going to cover you.

No, there are a lot of landlords out there losing their jobs too, and they’re suffering. So government messaging is starting to reflect that, and it’s great to see it from Doug Downey and Rob Flack — I’m going to take down my resignation petition for Doug Downey, I’ll take that down.

But this shows they’re starting to get it, and I think everyone in this group who’s listening now should connect to all the social media platforms for Rob Flack, Doug Downey, Doug Ford. We also have Michael Tibollo, associate to the attorney general, and Graydon Smith, associate to the minister of housing.

And even Nina Tangri, associate minister of small business — these landlords are small business owners, follow these people, reach out to them. I’ll give the information over to Kevin so you guys have their email addresses in this video, so you have a clear direction — it doesn’t have to be crazy, but reach out to your elected officials and let them know that you support this, and that because of this bill, you’re going to start renting your units again. I think it’s the renting — I think it’s a symptom, right?

Market Rate Adjustments & Rent Control Myths

You look at this lease-expiring conversation — I think people were loving it because they saw the option to increase rent to make their business stable again. 86% in Cambridge for 2026 — 1%.

So Rob, maybe our emotion as landlords can’t really do much in protest, but with those numbers in itself, it shows we could apply for an AGI (above-guideline increase), and a lot of us don’t want to — usually it’s the big landlords that do it — but maybe it’s just to show we need help, we need support, and we’re hoping our government understands that the rent control on this province is a symptom of all these other problems. Because I could tell you right now, as landlords, we used to see people stay in their rental unit for two to three years. They’re living in our units a lot longer now — three to five years, even longer.

So how are we supposed to keep up with growing increases in our taxes and utilities and maintenance and non-payment of rent, when the government has obviously put us in this position? So when tenants do vacate or get evicted, we have to jump that rent, and we have to make sure it covers not only the losses but future increases. One thing I’ve said before, a few different times — not having anything to do with Bill 60, but I think the easiest thing for the government to change that would make a big difference for people who need assistance for housing is to make sure that housing assistance money goes directly to the landlord. The person receiving housing assistance shouldn’t have full control over their housing assistance money.

If I’m giving you $1,000 that’s going toward putting a roof over your head, why should you go spend that on groceries instead? Okay, I’m going to play — so I agree with you. The reason, from a social worker I talked to, is that they’re self-directed, meaning the landlord can be paid directly from the source — let’s say it’s ODSP — or the tenant can say, “I want to pay the landlord myself.”

The reason for that, from a social worker’s perspective, is to make people feel responsible, because if they start being responsible, there’s a chance they could be part of the system again and become employed. That’s what came from a social worker. Now, whether that’s accurate or not, the thing is, when you get paid by OW or ODSP directly, the money part is good because you’re getting paid, but that doesn’t mean the tenant is still good.

And it makes it difficult to ever evict that tenant. If they stop paying and they’re self-directed and paying you, and they stop, at least you can get them out — whereas if they’re being paid by the government, remember, you can only increase rent by the allowable rate. And if they’re a problem tenant, getting them out is going to be very difficult. I see a lot of waste of money. We’re seeing people on OW and ODSP — the money is either directed to themselves or to the landlord. They still have to pay a certain portion themselves, even if it’s being directed, and then there are arrears.

And then we’re seeing social managers, local service managers, helping tenants with rent relief — and that’s coming up to like $10,000. I’m seeing it, $10,000. They are willing to pay that.

Are you talking about the rent bank, Kayla? Yeah, like rent banks — it’s going to be through OW, or through another branch of an organization off the municipality, but they’re still willing to pay that $10,000 of taxpayer money to house people and get them into good standing. But at the same time, they don’t have another process in place to keep them in good standing.

So five months down the road, those people are back in the same situation, back in arrears again. That’s the part where it’s always about letting people understand that there are consequences to your actions. Right now, people know there are multiple different organizations that help bail these people out — they’re looking for a handout, not a hand up.

That’s why I became the ambassador for Front Lobby — so we can encourage landlords to report tenants’ monthly rent payments to the credit bureaus. We need to tell our tenants, no matter how you handle your bills — your groceries, everything — your number one priority, as a mom of four, is the roof over your head. Everything else, there are programs to help with hydro, programs to help with gas, food banks — your housing is the most important thing.

But unfortunately, we have tenant unions and different elected officials making it look like private landlords should be the ones subsidizing tenants and providing affordable housing. We are market-rent housing. This is market-rent housing.

We have nonprofit housing providers who do affordable housing and market housing. We’re just market. We have to make sure we have a clear understanding of what kind of landlords we have. But unfortunately, our government is painting everybody with the same brush,

and we need to change that. That’s what this bill does — it stops tenants from being able to abuse a landlord over and over again, because we have one bad situation where a landlord put everything on the line, at risk, and now we’ve lost another rental unit from our stock.

And that’s what we’re seeing. It could change hands — if you have a triplex, it may change hands, but the landlord may want to move into one of those units. Their child may want to move in.

Or the developer who just bought it is going to get a permit from the municipality, take it down to the ground, build brand new, and have no rent control on those units. So again, you put the worst policies in place for so long,

it’s the straw that broke the camel’s back. And you’ve got one chance, government, to do this right — to bring back fairness and balance and make sure you’re holding bad landlords accountable and bad tenants accountable.

Professional Tenants & Loophole Closing

Because the good tenants and the good landlords are suffering, and you’re not going to be able to put this onus and this type of responsibility onto the backs of taxpayers any longer. We’re already tapped out. More than one third of our country pays rent, right?

More than one third of Canadians are tenants. That number is going to continue to grow over the next few years with what’s going on. I’m confident in saying that. And they’re not all bad people, right?

And that’s the problem — when we help people screen tenants, at the end of the day it is the landlord’s decision in everything we do. But I think because of the fearfulness that landlords have — that things can’t be corrected quickly enough if something changes in the tenant’s life when they stop paying rent — even a good tenant with a good job can have something change and things can go sideways, and now they’re not paying rent anymore.

The repercussions, and going to the board to have them evicted for non-payment of rent, has to be faster. It has to have a quicker resolution to that problem — whatever it may be — it cannot take months and months and months.

The whole 14 days to seven days — I didn’t even need 14 days if you told me we could do this much quicker, you know? I’ll give you 14 days to pay me back if something happened this month, that’s okay — instead of seven, because I think you’re right, Kayla, you’re just paying that $186 a little bit faster so they can pay you the rent anyway before you get to the board. I think there has to be a faster solution to stuff like that, to give landlords the confidence back when they’re renting to people —

new permanent residents, people coming new to our country, the hoops they have to jump through to become a PR. They come with money, they have everything in place, and landlords are steering away from situations like that as well, because they have no credit, no backup. Kayla’s mentioned Front Lobby several times —

it’s a great tool for all landlords. We use it for all our programs — we run screening checks through it. We ask all potential tenants to sign the form that comes from Front Lobby that allows us to positively rent-report them.

The way the program works is you can, through Front Lobby, negatively rent-report anybody who doesn’t pay rent on time. But to positively improve their credit, the tenant needs to give you written permission through this form to do so. So the way the numbers actually work — if you’re looking at 10 tenants, seven out of 10 love this program because they get to improve their credit. The three out of 10 who don’t, guess what?

They’re not paying their rent on time. So now instead of choosing from one out of 10, we’re choosing from one out of seven. That’s just one of the great tools Front Lobby has implemented. The AI concept as well, where you can now get a little bit of general advice, I think is great —

but once you need specific advice, you should be calling Stonegate and their team over there. No, I just wanted to say, that signing of the form for the credit score has been a game changer for us over the last couple of years. And some landlords are taking credit checks from the tenants directly —

don’t do that. Please, pull your own credit check through Front Lobby. Just make sure the clause is in your application where you’re getting the tenant’s permission to pull the credit check.

They give it to me just to make sure it matches. I met someone, and I’m like, “okay, how long have you been in Canada?” He said three years. He told me his wife had been here four months —

and then when the application came through, he told me she’d been working at the same company as him for two years, and they’re consultants for a lube shop. I’m like, “yeah, no.” We’re not able to take the risk,

because the Landlord and Tenant Board is broken. It’s broken for landlords. It’s broken for tenants. And you know what?

Soon enough, taxpayers will be broke trying to manage an unsustainable system. Point blank, that’s what’s happening. You can see all these different hearings, guys, and you get excited —

we’re getting hearings at three months, four months — but when you get in front of the board and they run out of time because they want to close up shop at 12 o’clock — unacceptable. You’ve got customers in your store,

you don’t leave until they buy something and leave. That’s just how a business should be run, and I think that’s how the government should be running the Landlord and Tenant Board. Because you’re taking our $186 — I want service and I want it now. But I want to make sure we cover every part of this bill before we’re done tonight. We need to show our support, guys, on social media.

Every time you see a tenant calling this out — “oh, we’re moving” — call it out, because this bill is only going to impact professional tenants who are abusing the system. This is not going to be about bad landlords who are trying to take advantage — no, this is literally for people who have taken advantage of it.

If you’re a good tenant, this has nothing to do with you. You’re still going to be listening to the rules and regulations that protect you. You’re still going to have your day in court.

You’re just not going to be able to use the loopholes in here to drag on something that shouldn’t be dragged on, because you’re costing taxpayers money. You’re costing taxpayers money because they have to manage the Landlord and Tenant Board and rebook these types of hearings because of these tricks. Right now, even when there’s a set-aside motion, a lot of people say the tenants aren’t going to get their day in court. The fact remains, we waited a long, long time.

If you want to keep our landlords in the business of providing housing, you need to keep this bill in play. That’s just how it is. If not, they’re getting out of the game — they’re going to give it to the developers,

they’re going to give it to someone who’s going to move into it. And I can tell you, there are a lot of families who want to buy a property to live in together. So we’re going to see fewer and fewer rental units coming onto the market for sure. But I like the change around postponing eviction orders, setting aside eviction orders, increased enforcement —

they’re going to hire eight more sheriffs in certain areas, temporarily. I don’t know if they’ll need them full time, but it’s key to making sure that even though you go through the Landlord and Tenant Board and wait 30 to 60 days for a hearing, I like that they’re going to try to speed things up, especially with AI — let’s get these orders back into the hands of landlords and tenants quicker.

But hiring some more adjudicators is going to be key — and having Tribunals Ontario explore options. Explore options, guys — if you’re a tenant listening to this, it’s just an exploration — to access final Landlord and Tenant Board decisions and orders.

I think that’s going to be very key, just as it’s important to report all rent payment history to the credit bureaus through Front Lobby. But now let’s get into more of the personal-use applications, renoviction changes — landlords are going to have their names exposed either way.

This is why it’s very important to try to mediate before we have to go to the Landlord and Tenant Board. But if you do have to go, don’t go empty-handed. We’ve got Rob. We’ve got Rob and Bita —

because these people have been breathing and eating this. I’ve been doing this for 15 years, and I’ve always been following Bita and her husband and what they’ve been doing for landlords in Ontario, and they’re on top of it. They know what to do.

There are different strategies you can use. Unfortunately, this is a bit of a game, and you’ve got to make sure you put the right cards in front of you, because a bad hand isn’t going to be good for you. And if you’re not going to be a good landlord, we’re going to be getting you out of the rental industry anyways — but don’t let the door hit you on the way out.

What Happens Next & How to Get Involved

Well, let’s see what the final law is. That’d be interesting. No, no, no, no — we’re not going to sit back and see, Rob.

We’re going to get involved. We’re going to give our two cents as landlords, and you’re going to give your two cents as a paralegal, and Kevin as a realtor and property manager — but make sure you’re listening to all sides here.

We have so many tenants coming out and making landlords look like greedy little landlords, when they still don’t understand that the government has baked the cost onto the homeowner, who has to pass the cost to the tenant. Just like a business increases the cost of a product to the consumer — this is how things work. It’s not like the landlords — people keep saying “it’s an investment,

if you lose money, that’s on you” — no, it’s a business, and it needs to be respected as a business, just like the government protects and bails out other businesses in Ontario. They definitely have to be a bit more supportive on certain things, that’s for sure.

I think this brings it back to the community, right — all of us landlords, all of us supporters and advocates, people here to help the industry, the housing industry, the industry professionals as well, realtors — I talk to them all the time, and a lot of them don’t understand, from the professional side, what’s really going on with the RTA and the LTB, and what they need to understand about how they’re advising their clients. So we get back to that education and information — it’s not just about landlords, it’s about industry professionals as well. We want to continue making sure everybody’s getting the proper advice, getting back to in-person stuff. There’s going to be a reception-style evening event on November 27th, an Investor Summit, where the three of us, with other professionals, including Sean Quigg from Cardinal Law, who specializes in real estate joint ventures and

real estate in general, planning and everything — he’s going to be speaking as well. It’s about making sure everybody understands what’s coming and is getting proper advice. I went to an investor meetup just last week to go see Kayla speak — I was in the area and popped in.

The timing was great, and I want to give a shout-out to Mohammed — I met him at the event, and he came up and said, “hey, I was actually just listening to the podcast.” I think it’s awesome that people are actually getting information from what we’re doing and continuing to be educated and informed.

People are getting that comfort level back, knowing what’s going on. So thank you to both of you for always supporting and helping out with that. And I now know there are a few people out there listening to us — not just our moms.

There will be more information coming up on the November 27th date — it’s the last Thursday of the month, so this little conversation we’ve been doing on the last Thursday of the month is going to be recorded that day as well. That panel is going to be our November conversation. So come join us November 27th, and interact with us here — we can answer any questions if there’s something you want to know, or reach out to us individually. Rob and Stonegate’s information has probably popped across the screen already, or if not, it will now, and Kayla’s will as well, and ours is there. So reach out, let us know.

I think that was a really good conversation for today — I think we covered a lot of things, shared what we wanted to get off our chest. Is there anything we want to finish with?

Kayla’s Emotional Response - 15 Years of Advocacy Paying Off

I think this has been emotional for me, watching this bill. I’ve been doing this for 15 years, and to finally see something I always hoped would come is great. And I’m going to fight tooth and nail to make sure we see it through the first read, the second read, the third read, the royal assent. And if we get royal assent on those,

I’m going to host a party like no one’s ever seen before. So let’s show it some love. Let’s contact your MPP. No matter if they’re red, blue, yellow, green, I don’t care what it is —

I hate party politics, but make sure you reach out to them. These are the people who have been put in a position to support you and help you as a citizen. You’re paying their wages. So make sure they’re working for you at the same time.

Give them a call. If you need help talking to them, give me a call, I’d be happy to do it.

How to Contact Your MPP & Make Your Voice Heard

Reach out for any of the information that way, and thanks to Rob from Stonegate Legal Services and Kayla from Front Lobby and Ontario Landlord Watch, thank you so much for going through Bill 60 with us. Please remember, while we are professionals, this podcast is for informational and entertainment purposes only. The advice shared may not apply to your unique situation. Always seek personalized advice from a qualified professional before making any investment decisions.

Hey everybody, thanks so much for joining us this week. I hope you enjoyed the episode. If you’re finding it informative and useful, make sure to like, subscribe,

share with a friend so that we can keep getting the information out there to Ontario landlords and keep on joining us. We’ll see you next time.