Field notes from HOMS.
One long-form post per week. Market analysis, engineering deep-dives, AI explainers, and the methodology behind every HOMS recommendation.
Welcome to HOMS
Why we're building a real estate practice where engineering, data, and finance lead the conversation — not the other way around.
The stress test is the budget — not the contract rate
Why every BC buyer should set their target list price from the stress-tested payment, not the rate the broker quoted.
BC Property Transfer Tax: What the calculator doesn't tell you
PTT is the largest closing cost most buyers forget to model. Here's the full structure, the first-time-buyer exemption thresholds, and three scenarios where you pay more than you expect.
Reading a strata depreciation report like an engineer
The five sections every BC condo buyer should review — and the three line items that should change your offer.
Cap rate vs. cash-on-cash: which number actually matters in Metro Vancouver
Both ratios measure investment returns. In a leveraged Metro Vancouver market, they tell completely different stories — and confusing them is how investors overpay.
How to read a BC strata depreciation report in 15 minutes
Every BC strata must produce one. Most buyers skip them. Here's a systematic read that takes 15 minutes and surfaces the three numbers that actually matter for your offer price.
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