<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Derchansky Legal Professional Corporation]]></title><description><![CDATA[DWC Law Group]]></description><link>https://www.dwclawgroup.com/insights</link><generator>RSS for Node</generator><lastBuildDate>Tue, 02 Jun 2026 02:15:01 GMT</lastBuildDate><atom:link href="https://www.dwclawgroup.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[             ?]]></title><description><![CDATA[That’s the story of Carolyn Krebs, a Toronto landlord recently sentenced to 15 days in custody on top of a $120,000.00 fine for violations of the Ontario Fire Code. Ms. Krebs failed to comply with fire safety requirements at a rental property despite multiple warnings, putting tenants’ lives at risk.  You can read this story as a landlord-tenant matter. But lenders should read it as a tale of collateral and operational risk. Fire Code violations can lead to:  Municipal work orders  Forced...]]></description><link>https://www.dwclawgroup.com/post/e90741ae</link><guid isPermaLink="false">6a1e116974254bcae0857fdd</guid><pubDate>Mon, 01 Jun 2026 23:10:52 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[      ’          ?]]></title><description><![CDATA[Vacant home taxes. Luxury taxes. Foreign investor taxes. New York City’s proposed tax targeting certain high-end residential purchasers is the latest reminder that political risk plays a major role in real estate underwriting. Our clients are used to analyzing:  Borrower risk  Market risk  Construction risk  Interest rate risk But increasingly,       . Is it possible that a deal that works today may not work after the...]]></description><link>https://www.dwclawgroup.com/post/978eab66</link><guid isPermaLink="false">6a1e113343a3e299a4b4f395</guid><pubDate>Mon, 01 Jun 2026 23:09:58 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[         ?]]></title><description><![CDATA[Commercial mortgages are underwritten based on a specific set of facts at a specific moment in time. But properties change. Sometimes quietly. Sometimes dramatically.  A farm becomes a wedding venue.  An office becomes residential.  An industrial site turns into a warehousing hub. And suddenly the property securing your loan no longer looks like the property you originally approved. Sometimes that change increases value. Sometimes it increases risk. And depending on your loan documents,...]]></description><link>https://www.dwclawgroup.com/post/6548cdb7</link><guid isPermaLink="false">6a1e110b43a3e299a4b4f346</guid><pubDate>Mon, 01 Jun 2026 23:09:13 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[         ]]></title><description><![CDATA[One kingdom, many different realities. MPAC recently released its Business Properties Report examining Ontario’s commercial real estate market. And unsurprisingly, the market tells very different stories depending on the asset class. Multi-residential development has surged to levels not seen since the 1970s, family-sized rentals remain undersupplied and warehouse pricing has started to stabilize after years of rapid growth. Some asset classes are thriving. Some are not. Others are evolving...]]></description><link>https://www.dwclawgroup.com/post/d7257986</link><guid isPermaLink="false">6a1e10ddd87dcf57d54808ac</guid><pubDate>Mon, 01 Jun 2026 23:08:31 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[    2026 ’     ]]></title><description><![CDATA[It’s not the overleveraged 30-year-old chasing their third pre-con. It’s the 60-year-old adding new debt. . Mortgage debt is now rising fastest among Canadians aged 55–64. Nearly 1 in 3 Canadians who are retired or approaching retirement continue to make mortgage payments on their principal residence, a 3.5x growth since 1999.         . These borrowers behave very differently...]]></description><link>https://www.dwclawgroup.com/post/_2026</link><guid isPermaLink="false">6a1e10b643a3e299a4b4f27d</guid><pubDate>Mon, 01 Jun 2026 23:07:49 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[       ]]></title><description><![CDATA[You never know what’s going to appear on title. That lesson played an important role in the recent Ontario Court of Appeal decision in     . . The situation:  A lender was trying to sell under power of sale.  There was a Certificate of Pending Litigation (CPL) sitting on title. ‍⚖️ The lower court said it had no jurisdiction to discharge the CPL. ‍♂️ The Court of Appeal disagreed. In the real world, CPLs registered on...]]></description><link>https://www.dwclawgroup.com/post/347e8d13</link><guid isPermaLink="false">6a1e108d7ab417a19fc17122</guid><pubDate>Mon, 01 Jun 2026 23:06:58 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[       90%   ?]]></title><description><![CDATA[The answer, at least in the US, is a fire sale. Commercial real estate across America is now trading at massive discounts compared to valuations from a decade ago. A $68 Chicago office just sold for $4. A $176 Denver complex for $5. These might look like bargains too good to pass up, but for lenders it means something else entirely. After years of extensions, restructuring, delaying losses and hoping for a rebound, reality finally set in.   ...]]></description><link>https://www.dwclawgroup.com/post/___90</link><guid isPermaLink="false">6a1e105c43a3e299a4b4f1ba</guid><pubDate>Mon, 01 Jun 2026 23:06:06 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[     ?]]></title><description><![CDATA[The Law Society of British Columbia recently grappled with this question in a case involving Edwin Soon, a real estate lawyer in Vancouver. Among other things, Mr. Soon ran a private lending business through his law firm’s trust account. Seem odd? That’s because it is. A lawyer’s trust account is not a business account. It’s not a holding account. And it’s definitely not there to make deals “look legitimate”. But in this case, that’s exactly what it was used for. In his own words: “everything...]]></description><link>https://www.dwclawgroup.com/post/c66a3485</link><guid isPermaLink="false">6a1e102a7ab417a19fc1702c</guid><pubDate>Mon, 01 Jun 2026 23:05:20 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[       ?]]></title><description><![CDATA[These days, headlines are filled with doom and gloom about Canadian real estate. But a recent "Systemic Risks within the Canadian Housing Market" report by the Canadian Alternative Mortgage Lenders Association makes the case that alternative lending in Canada does not actually pose a systemic risk. Alternative mortgage lending represents a small portion of the overall market. It is largely funded by private capital and tends to operate at relatively low loan-to-value ratios. But what stood...]]></description><link>https://www.dwclawgroup.com/post/35fcb29a</link><guid isPermaLink="false">6a1debad74254bcae0853194</guid><pubDate>Mon, 01 Jun 2026 20:29:35 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[    ’       ?]]></title><description><![CDATA[A recent horror story out of Miami illustrates how confusing loan calculations can get when a development project spirals out of control. A developer bought almost an entire waterfront condo building to tear down and replace with a luxury condo tower. Everyone moved out. Demolition started.   Floors, finishings and even the pipes were ripped out.  Windows were removed. ⚡️ Utilities shut off. Then a judge ruled that the developer had improperly changed the condo bylaws to force the...]]></description><link>https://www.dwclawgroup.com/post/2d121833</link><guid isPermaLink="false">6a1deb49750a0d73371759ea</guid><pubDate>Mon, 01 Jun 2026 20:28:10 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[  .   .]]></title><description><![CDATA[We recently worked through a private residential mortgage where nothing went wrong. I repeat: nothing went wrong.  No surprise writs. No last-minute borrower drama about closing costs. No frantic 10 p.m. calls before funding. Just:  A realistic loan-to-value  A clear exit strategy  Proper disclosure  Clean, enforceable documentation Funds were advanced. Interest was paid. And the exit? Successful. ’ .  In private lending, war stories are entertaining in hindsight. But...]]></description><link>https://www.dwclawgroup.com/post/f047328a</link><guid isPermaLink="false">6a1de713750a0d73371750b1</guid><pubDate>Mon, 01 Jun 2026 20:10:07 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[“’      ’   .”]]></title><description><![CDATA[Everyone knows a lawyer’s favourite phrase: “it depends…” But when we recently reviewed a Mortgage Commitment for a friend who decided to dabble in private lending, there was no “depends” about it. It was bad.    . Among other issues, the Commitment included:  An interest rate increase triggered by default  Fees and charges that were 4 or 5 times any reasonable, genuine pre-estimate of costs  An interest penalty automatically triggered...]]></description><link>https://www.dwclawgroup.com/post/860ad318</link><guid isPermaLink="false">6a1de6be43a3e299a4b49aaf</guid><pubDate>Mon, 01 Jun 2026 20:08:43 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[        ?!]]></title><description><![CDATA[Surprises can happen, even in a straightforward transaction. Imagine this: a residential private mortgage closing today, my lender client has already transferred funds to my trust account and all security is in place with only 2 items outstanding: home insurance and the borrower’s lawyer’s trust ledger. By 10am, home insurance comes in. Looks good. ✅ Two hours later, the trust ledger comes in. Looks… not so good. ❌ In reviewing the ledger, I see that more than 1/5th of the mortgage advance is...]]></description><link>https://www.dwclawgroup.com/post/1d343102</link><guid isPermaLink="false">6a1de49461de78e3b215aed0</guid><pubDate>Mon, 01 Jun 2026 20:00:38 GMT</pubDate><dc:creator>issack1</dc:creator></item><item><title><![CDATA[           100%.]]></title><description><![CDATA[We were asked to paper a loan assumption that looked simple on the surface. A few years ago, a couple bought a home in the GTA with a large interest-only private mortgage. Fast forward to today: the property is worth materially less, but the mortgage principal hasn’t moved. Payments are current. No default. Yet the LTV is now over 100%. Here’s where it gets complicated. The private lender is facing investor redemptions and needs liquidity. A new lender is prepared to step in and assume a...]]></description><link>https://www.dwclawgroup.com/post/__100</link><guid isPermaLink="false">6a1de0dd61de78e3b215a78b</guid><pubDate>Mon, 01 Jun 2026 19:43:27 GMT</pubDate><dc:creator>issack1</dc:creator></item></channel></rss>