Sell At A Loss Vs. Continue To Hold

Sell At A Loss Vs. Continue To Hold

From The Canadian Real Estate Investor by Daniel Foch & Nick Hill

August 7, 2026 · 40 min · Episode 427

About this episode

Daniel and Nick discuss the difficult decision of whether to sell a Canadian condo at a loss or continue to hold it.

If you bought a Canadian condo near the peak of the market, you may now be underwater, or losing money every month just to keep it. In this episode, Daniel and Nick tackle one of the hardest decisions facing Canadian homeowners and real estate investors: should you hold on, rent the property out, or sell at a loss? They examine real examples from the GTA, pre-construction deals, power-of-sale transactions and struggling flips before laying out a practical framework for making the decision without letting fear, ego or sunk costs take over. You’ll learn: • The difference between a forced seller and a scared seller • Why your monthly “bleed rate” matters more than the paper loss • How to calculate the true cost of continuing to hold • Alternatives to selling, including refinancing, renting and adding units • The legal risks of walking away from a pre-construction purchase • Why Canadian mortgages generally don’t allow you to simply walk away • How taxes and capital losses may affect the decision • Warning signs that negative cash flow is damaging your personal finances • The one question every underwater…

People in this episode

Hosts: Daniel Foch, Nick Hill

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Places: Canada, GTA

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