Stale Listing Opportunities Properties with 60+ days on market — highest negotiation potential
Market Conditions Snapshot
Recently Listed (Newest First)
Listings by Location All neighborhoods with active listings
| ★ | Address | Neighborhood | Type | Price | Beds/Baths | SqFt | $/SqFt | DOM | Year | Score | Agg. Offer | Agent |
|---|
Neighborhood Comparison
Last updated: February 2026 • Avg price and score are computed from listing data; YoY, Sale/List, and Inventory are sourced estimates.
| Neighborhood | # Listed | Avg Price | Median Price | Avg $/SqFt | Avg DOM | YoY Change | Sale/List | Inventory | Avg Score |
|---|
Top 10 Best Deals
Property Offer Tool
Generate professional offers, negotiate directly with listing agents, and save thousands in commission.
1 Select Property
2 Choose Offer Strategy
Members-Only Tool
Create professional property offers, get smart pricing recommendations, and email offers directly to listing agents.
Free sign-up. No credit card required.
Property Offer Tool
Generate professional offers, negotiate directly with listing agents, and save thousands in commission.
Generate Offer
Rescission / Cooling-Off Period Calculator
Check whether a statutory rescission or cooling-off period applies in your jurisdiction after an accepted offer.
Enter the acceptance date to see your rescission deadline and fee.
| ★ | Address | Neighborhood | Type | Price | Beds/Baths | SqFt | DOM | Score | Agg. Offer | Notes |
|---|
Click the ★ icon on properties to add them to your shortlist
Financing Hub
Everything you need to understand your mortgage options, costs, and affordability. No realtor referral needed.
How Much House Can I Afford?
Calculates maximum purchase price using Canadian mortgage qualification rules (GDS/TDS ratios, stress test rate of contract + 2%, min 5.25%). For US properties, qualification rules differ — consult a US lender for DTI-based pre-approval.
| Max Mortgage Amount | $0 |
| Monthly Mortgage Payment | $0 |
| Monthly Property Tax | $0 |
| Heating + Strata | $0 |
| Other Monthly Debts | $0 |
| CMHC Insurance | $0 |
| Min. Down Payment Required | $0 |
Mortgage Details
Monthly Payment Breakdown
| Mortgage Amount | $0 |
| Total Interest (over term) | $0 |
| Total Cost of Ownership | $0 |
| CMHC Insurance | $0 |
BC Property Transfer Tax
| BC Property Transfer Tax | $0 |
| First $200K @ 1% | $0 |
| $200K-$2M @ 2% | $0 |
| Over $2M @ 3% | $0 |
| Foreign Buyer Tax (20%) | N/A |
Estimated Closing Costs
| Property Transfer Tax | $0 |
| Legal / Notary Fees | $1,500 - $2,500 |
| Home Inspection | $400 - $700 |
| Appraisal | $300 - $500 |
| Title Insurance | $200 - $400 |
| CMHC Insurance (if <20% down) | $0 |
| Estimated Total Closing Costs | $0 |
Cash to Close Calculator
Total funds needed on closing day, including down payment, closing costs, prepaid expenses, and reserve.
| Down Payment & Mortgage | |
| Down Payment | $0 |
| Mortgage Insurance (if <20% down) | $0 |
| Government Taxes | |
| Property Transfer Tax | $0 |
| FTHB Exemption Savings | $0 |
| Professional Services | |
| Legal / Notary | $0 |
| Home Inspection | $0 |
| Appraisal | $0 |
| Title Insurance | $0 |
| Prepaid & Other | |
| Property Tax Adjustment | $0 |
| Home Insurance (prepaid) | $0 |
| Moving Costs | $0 |
| Emergency Reserve | $0 |
| TOTAL CASH TO CLOSE | $0 |
CMHC Mortgage Insurance
In Canada, mortgage insurance is required when you put less than 20% down. CMHC (Canada Mortgage and Housing Corporation) insures your lender against default. The premium is added to your mortgage.
• Properties over $1,500,000 are NOT eligible for CMHC insurance — you MUST have 20%+ down
• Max amortization with insured mortgage: 25 years (30 years if uninsured)
• Minimum down payment: 5% on first $500K, 10% on portion $500K-$1.5M
| Down Payment | Premium Rate | Example ($800K) |
|---|---|---|
| 5.00% – 9.99% | 4.00% | $30,400 |
| 10.00% – 14.99% | 3.10% | $22,320 |
| 15.00% – 19.99% | 2.80% | $19,040 |
| 20.00%+ | None | $0 |
Minimum Down Payment Calculator
Amortization Schedule
Year-by-year breakdown of your mortgage payments, showing how much goes to principal vs interest.
| Year | Annual Payment | Principal | Interest | Remaining Balance | Equity Built |
|---|
My Offers
Track all offers you've generated. Update statuses as negotiations progress.
| Date | Property | Asking Price | Offer Price | Discount | Status | Actions |
|---|
Go to the Offer Generator tab to create your first offer. All offers will be tracked here automatically.
Investment ROI Calculator
Analyze potential rental income and returns for investment properties.
Property & Purchase
Monthly Income
Monthly Expenses
Projections
Investment Returns
| Total Investment (Down + Closing) | $0 |
| Mortgage Payment (monthly) | $0 |
| Gross Monthly Income | $0 |
| Effective Income (after vacancy) | $0 |
| Total Monthly Expenses | $0 |
| Net Operating Income (annual) | $0 |
| Annual Cash Flow | $0 |
| Gross Rent Multiplier (GRM) | -- |
| DSCR (Debt Service Coverage) | -- |
| Price-to-Rent Ratio | -- |
| 1% Rule Check | -- |
| Break-Even Point | -- |
Investment Verdict
5-Year Projection
| Year | Cash Flow | Est. Value | Equity Built | Total Return |
|---|
Scenario Comparison
Lender Directory
Compare mortgage options from major lenders and mortgage brokers. Contact them directly — no realtor needed.
Current Posted Mortgage Rates (February 2026)
| Lender | Type | 5-Yr Fixed | 3-Yr Fixed | Variable | Insured Discount | Contact |
|---|
Mortgage Brokers & Specialists (BC)
Mortgage brokers compare rates from multiple lenders on your behalf. Their service is typically free to the buyer (paid by the lender).
Mortgage Pre-Qualification Estimator
Estimate how much you can afford based on Canadian mortgage qualification rules (GDS/TDS ratios + stress test).
| Max Mortgage (GDS limited) | $0 |
| Max Mortgage (TDS limited) | $0 |
| Stress Test Rate Used | -- |
| GDS Ratio | -- |
| TDS Ratio | -- |
| CMHC Insurance Required | -- |
Mortgage Scenario Comparison
Compare up to 3 different mortgage scenarios side-by-side to find the best option.
| Scenario A | Scenario B | Scenario C | |
|---|---|---|---|
| Purchase Price ($) | |||
| Down Payment (%) | |||
| Interest Rate (%) | |||
| Amortization (years) |
My Buyer Profile
Save your details here. They'll auto-fill into offers, inquiries, pre-qualification tools, and private sale letters and offers across the dashboard.
Personal Information
Purchase Preferences
Your Professional Team
Data Export & Import
Export your entire dashboard state (profile, shortlist, offers, notes, settings) for backup or to transfer to another browser/device.
Viewing Scheduler
Schedule and track property viewings. Add notes and ratings after each visit.
- Visit at different times of day to check noise/traffic levels
- Check water pressure, open/close all doors and windows
- Take photos of everything - foundation, roof, plumbing, electrical panel
- Ask about strata fees, special assessments, and bylaws (for condos/townhomes)
- Drive the neighborhood and note proximity to amenities
Document Vault
Store and organize property-related documents. Inspection reports, title searches, strata documents, contracts, and more.
Upload inspection reports, title searches, and other documents to keep everything organized.
Price History Tracker
Track price changes across all listings. Spot motivated sellers and market shifts.
Area Intelligence
Walk scores, schools, amenities, and livability data for each neighborhood.
Data Health Dashboard
Monitor data freshness, flag inaccuracies, and track the quality of listings data.
Help keep data accurate by flagging listings that appear sold, delisted, or have incorrect information.
- Configure regions in
tools/scraper/config.json - Run
node tools/scraper/scraper.jsto scrape listings - Run
node tools/scraper/merger.jsto merge intodata/listings.json - Commit and push to deploy via GitHub Pages
tools/scraper/README.md for full documentation.
Agent Contact Log
Track all your communications with listing agents. Add notes after viewings, calls, and emails.
Use the "Email Agent" button on any property to start a conversation, then log your interactions here.
Buying Property Without a Realtor
A comprehensive guide for unrepresented buyers. Save thousands in commission while staying protected. Guidance covers BC, Alberta, Ontario, and California.
Potential savings: Buyer agent commissions typically range from 2.5% to 3.5% in Canada and 2.5% to 3% in the US. On a $900,000 property, that could be $22,500 to $31,500.
Direct communication: Negotiate directly with the seller's agent, reducing miscommunication and delays.
Full control: You decide the offer strategy, timeline, and conditions without pressure from a third party.
More leverage: Some sellers prefer unrepresented buyers because it reduces their total commission costs, which can make your offer more attractive.
Important: Always engage a real estate lawyer or notary to review your Contract of Purchase and Sale before signing. This is non-negotiable regardless of whether you have a realtor.
- Research & shortlist — Use this dashboard to find and compare properties. Analyze deal scores, neighborhood trends, and price benchmarks.
- View properties — Contact the listing agent directly to arrange viewings. You have the right to view any listed property.
- Prepare your offer — Use the Offer Generator tab to create a professional offer letter with appropriate pricing based on our deal analysis.
- Submit the offer — Send your offer to the listing agent via email (use our Email to Agent feature). Include subject clauses to protect yourself.
- Negotiate — The seller may accept, reject, or counter. Be prepared to negotiate on price, dates, and conditions.
- Subject removal — Complete your due diligence (inspection, financing, title search) within the subject period (typically 7-14 days).
- Deposit — Deliver your deposit (typically 5% of purchase price) to the trust account specified in the contract.
- Completion & possession — Your lawyer/notary handles the title transfer, mortgage registration, and key exchange on completion day.
| Document | Purpose | Where to Get It |
|---|---|---|
| Contract of Purchase and Sale | The legally binding offer document | Generated by this tool or from BCREA |
| Property Disclosure Statement | Seller discloses known defects | Request from listing agent |
| Title Search | Confirms ownership and encumbrances | BC Land Title Office (ltsa.ca) |
| Survey Certificate | Shows property boundaries | Request from seller or order new survey |
| Home Inspection Report | Professional assessment of condition | Hire a certified home inspector |
| Strata Documents (if applicable) | Strata bylaws, minutes, financials | Request Form B from strata council |
Even without a realtor, you should always hire:
Reviews contracts, handles title transfer, holds deposits in trust. Budget $1,500-$2,500.
ALWAYS required.
Professional assessment of structure, systems, and defects. Budget $400-$700.
Highly recommended.
Compares rates from multiple lenders. Usually free to the buyer (paid by lender).
Recommended.
| Cost Saved | Typical Amount ($900K property) |
|---|---|
| Buyer agent commission (3%) | + $27,000 saved |
| Costs You Still Pay | Typical Amount |
| Real estate lawyer / notary | $1,500 - $2,500 |
| Home inspection | $400 - $700 |
| Property Transfer Tax | $16,000 (on $900K) |
| Title search & insurance | $200 - $500 |
| Appraisal (if required by lender) | $300 - $500 |
| Net savings (approximate) | ~$22,000 - $24,000 |
Unsolicited Property Acquisition
Approach property owners directly — even when their home isn't listed for sale. Many homeowners will consider selling if presented with a serious, well-structured offer. This tool helps you research target properties, draft professional letters of intent, and manage your outreach campaigns.
Target Properties
Private Sale Guide
BC Assessment Enrichment
View, enter, and analyze BC Assessment data alongside your listings. Copy addresses to look up on bcassessment.ca, then enter assessed values to identify properties priced below assessed value.
Help & Getting Started
Learn how to use the Real Estate Investment Dashboard to find deals, analyze markets, and generate professional offers.
To display real street-level photos of each property instead of map tiles, configure a Google Maps API key with the Street View Static API enabled.
How to get a free API key:
- Go to Google Cloud Console
- Create a new project (or select an existing one)
- Navigate to APIs & Services → Library
- Search for and enable Street View Static API
- Go to APIs & Services → Credentials
- Click Create Credentials → API Key
- Copy the key and paste it above
Google provides $200/month in free credits (~28,000 Street View requests). Your key is stored locally in your browser and never sent to any server except Google.
When the GitHub Feedback Integration is configured (below), offer generation events are automatically tracked as GitHub Issues with the offer-tracking label.
What gets tracked:
- Buyer name, email, phone, and company
- Property address, asking price, and offer price
- Property type and timestamp
Each offer creates a GitHub Issue in your configured repository. Configure your GitHub token and repo in the GitHub Feedback Integration section below to activate.
Connect the Suggestions & Feedback form to GitHub Issues so that every submission creates a trackable issue in your repository with appropriate labels.
How to create a Personal Access Token:
- Go to GitHub → Settings → Developer settings → Personal access tokens
- Click Generate new token (fine-grained recommended)
- Under Repository access, select your dashboard repository
- Under Permissions → Issues, grant Read and write access
- Generate the token and paste it above along with the repo name
Feedback submissions will create GitHub Issues with labels matching the feedback type (bug, enhancement, feedback). Your token and repo are stored locally in your browser and only sent to the GitHub API.
This dashboard is a free tool designed to help property buyers — especially those choosing not to use a realtor — find undervalued properties, analyze neighborhood trends, and generate professional offer letters.
Here is how to get started:
- Use the sidebar filters on the left to narrow down by region, price range, property type, and more.
- Browse properties in All Listings (table or card view) and click any property for details.
- Star properties you like to add them to your Shortlist.
- When ready, go to the Offer Generator to create a professional offer letter.
Every property receives a Deal Score from 0 to 100 based on multiple factors:
| Factor | What It Measures | Impact |
|---|---|---|
| Price vs. Benchmark | How the price compares to the neighborhood median for that property type | Major |
| Days on Market | Longer DOM suggests more negotiating power | Moderate |
| Price per Square Foot | Below-average $/sqft indicates potential value | Moderate |
| Neighborhood Trend | Areas with declining prices or high inventory get a bonus (better buying opportunity) | Minor |
| Water View | Premium amenity factor | Minor |
Score ranges: 70+ = Hot Deal (red), 50-69 = Good Opportunity (orange), 30-49 = Fair Value (blue), Under 30 = Market Priced (grey)
- Go to the Offer Generator tab.
- Enter your full name, email, and optional company name. These are saved automatically for future sessions.
- Select a property from the dropdown (filtered to your current search results).
- Review the three offer tiers: Aggressive Lowball, Strategic Value, and Competitive.
- Click Generate Offer Summary to see the full offer details.
- Customize the offer price, deposit, dates, and conditions as needed.
- Optionally draw your signature using the signature pad.
- Click Download PDF to save the offer letter.
- Use Email to Agent to open your email client with a pre-drafted message.
The generated offer follows local real estate conventions for the selected property's jurisdiction and includes standard subject/contingency clauses. Always have a lawyer or attorney review before submitting a binding offer.
Suggestions & Feedback
Help us improve this tool! Submit bug reports, feature requests, or general feedback. Submissions are created as GitHub Issues for transparent tracking.
Feedback is submitted as GitHub Issues. Configure your GitHub token and repository in the GitHub Feedback Integration settings section above to activate.