The Diary
My personal blog.
No hot takes. No guru voice. Just what I am figuring out about mortgages, down payments, jobs, and small multifamily investing in Winnipeg. I am not a Realtor and I am not a financial advisor. Read it like a friend's journal, not like advice.
- Basics5 min readMarch 2026
What is house hacking, in plain words
A diary style breakdown of what house hacking actually means, why I chose it, and what the trade offs feel like in real life.
Read the entry - Winnipeg market6 min readApril 2026
Does house hacking still work in Winnipeg in 2026
A newcomer's take on whether small multifamily house hacking still pencils out in Winnipeg with today's rates and prices.
Read the entry - Mortgage7 min readApril 2026
The steps I took to qualify for a mortgage in Winnipeg
A step by step diary of what it actually took for a newcomer with no Canadian credit to get approved for a mortgage in Winnipeg.
Read the entry - Saving6 min readMay 2026
Five steps I used to actually save a down payment
The five habits that let a newcomer with zero savings put together a down payment for a Winnipeg duplex in under a year.
Read the entry - Career6 min readMay 2026
Five steps to get a job that helps you qualify for a mortgage
How I thought about work in my first year in Winnipeg so my job would actually help me qualify for a mortgage, not just pay the bills.
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