BMO came out last week saying 67% of Canadians are waiting for lower rates before buying a home. It's like a newbie poker player convinced they'll be dealt a royal flush if they wait just long enough. But is this collective hesitation economic brilliance, or merely

Vendor take-back mortgages (VTBs) are increasingly becoming the WD-40 of real estate deals—lubricating transactions that might otherwise seize up. With home prices still elevated, rates hanging tough, tighter lending conditions, and fewer sales, free-and-clear sellers are more motivated to extend VTBs. According to commercial real estate lawyer Patrick Gordon