Keep Your Home, Grow Your Wealth

A way for Toronto homeowners to stay in the neighbourhood they love and let the value of their land work for the family. It suits long-time owners planning their retirement, families who have inherited a house, and parents who want a grown son or daughter living on the same land. There is no outside buyer, no listing, and no need to leave the neighbourhood. Here is how it works.

Nothing is signed at a first conversation.

Your home - your story book

A New Chapter in the Neighborhood You Love

Reimagining Your Property's Legacy with FoxyHome

Deep Roots, Changing Requirements

Decades of History

Evolving Demands

The Goal

Maximizing Your Property's Potential

The Core Opportunity

The Architecture

The Lifestyle Outcome

Deep Roots, Changing Requirements

Decades of History: You have spent decades building a life, a family, and deep roots in your home and your cherished community.

Evolving Demands: As time passes, the physical and financial demands of maintaining an older, traditional property naturally and inevitably increase.

The Goal: To completely eliminate these maintenance burdens without sacrificing the neighborhood you know and love.

Maximizing Your Property's Potential

The Core Opportunity: Replace your existing house with a thoughtfully designed, professionally managed multi-residence building on your exact same property. This process unlocks significant equity and eliminates the burdens of home maintenance.

The Architecture: The new property gracefully houses seven discrete homes (including an accessible garden suite), all seamlessly integrated into the established streetscape. Each unit is designed for comfort and longevity, with modern amenities and energy-efficient features.

The Lifestyle Outcome: You stay in the community you cherish, living comfortably in a brand-new, energy-efficient home, while creating vital new housing for families. Enjoy peace of mind with reduced living costs and a vibrant neighborhood connection.

A Transparent Co-Ownership Approach

Your Contribution: You contribute the land.

Seamless Transition & Complete Protection

Comfortable Relocation & Covered Costs: During construction, Joe and Maria (and you!) are relocated to a builder-supplied, comfortable, furnished home nearby in your community. This temporary residence is paid for entirely through the construction agreement, at no out-of-pocket cost.

Cultivating Reliable Monthly Cash Flow

The Expanding Canopy: The flourishing leaves represent steady, reliable monthly cash flow. Because your costs are fixed but rental income naturally grows over time, your financial comfort safely and predictably expands year after year.

The Unchanging Foundation

Fixed Costs

Rental Income

Your Financial Growth:

Fixed Costs: The trunk represents reliable financing, taxes, and other predictable costs. A dual arrangement ensures these costs never outpace rental income.

Rental Income: The blossoming leaves represent steadily rising income from your rental property. Your income predictably exceeds costs, never leaving you behind.

Secure Your Future

The Unchanging Foundation

Fixed Costs

Rental Income

Your Financial Growth:

Fixed Costs: The foundation of this arrangement remains stable, meaning these expenses are reliably predictable and never increase.

Rental Income: The flourishing leaves represent potential profits that steadily grow over time, reliably increasing the financial security of your rental property, never leaving you behind.

Secure Your Future

The partnership is an investment in your future, representing stable, reliable monthly flow. Because your rental income grows faster than your costs in a structure entirely built around you and your property's natural income.

The 'Hard Deck': Unshakeable Fundamental Value

Beyond Market Speculation

We do not measure your family's legacy by the unpredictable, shifting moods and speculative bubbles of the local real local estate market.

The 'Hard Deck': Unshakeable Fundamental Value

Anchored to Reality

We measure wealth using the 'Hard Deck' - the independently certified cost of land, the steel, the glass, and the labor required to build your property. property. Your 70% to physical replacement. estate is built on a permanent foundation.

Original value (land): ~$1,400,000.

Approx. 6.25x more.

Certified replacement cost: $8,750,000.

Your share (70%): many times more. Permanent Foundation.

FoxyHome LP share (30%): white glove service. Inception & Ongoing.

The Crossroads: Choosing Your Legacy

The Story of Joe and Maria: a story to read together

Joe and Maria are not real people. They are characters FoxyHome created to explain, in plain words, how a FoxyHome partnership works and why a family might choose one.

Their street may look a lot like yours, and their memories may sound like your own. The chapters that follow match the pages you have just read, in the same order.

Where the story looks ahead, it shows what the plan is designed to do. It is a picture, not a promise. The real details for any family are set out in writing, and that family's own lawyer reviews them before anything is signed.

Chapter One: The Keys

In the summer of 1976, the year the CN Tower opened, Joe and Maria stood in the empty front room of a small brick house in Toronto's east end. The agent had just handed them the keys.

They had saved for four years to get there: four years in two rented rooms above a bakery on the Danforth, where the smell of bread woke them at four every morning. The house cost $54,000. To them it felt like a castle.

Maria walked from room to room, touching the walls. Joe, who laid bricks for a living, went straight out to the backyard. He stood there a long time, looking at the bare dirt and planning a garden.

That night they ate sandwiches on the floor, because the table had not arrived yet. "We will grow old here," Maria said.

They did. Fifty years later, they are still on that street. They raised their son Tony there, danced at the neighbours' weddings, said goodbye to old friends, and know every crack in the sidewalk.

This is the story of the choice in front of them now.

In plain words: A long life in one home builds two things: memories, and value in the land under the house. This story is about keeping the first and putting the second to work.

Chapter Two: What the House Was Really Worth

Old Mr. Costa, who gave Joe the cutting for his fig tree, lived two doors down for as long as anyone could remember. When he passed away, his children sold the house. Within a few months, a builder had taken it down to the ground.

Joe walked past the empty lot every morning, and it bothered him. "That was a good house," he told Maria. "Solid. Why pay all that money and then knock it down?"

It was their son Tony who explained it. "Dad, he wasn't buying the house. He was buying the land."

In 1976, the house was most of what Joe and Maria paid for. Fifty years later, it is the other way around. On a street like theirs, most of what a home is worth today is the land under it. The house is old and getting older, while the land underneath is where the value sits, and the city now allows several homes on many lots like these.

The Costa children did well, and selling was the right choice for them. But from that day on, whatever gets built on that lot earns its money for someone else.

In plain words: On streets like this one, the land is the treasure and the house is the box it came in. A family can sell that land once, or find a way to keep it working for them.

Chapter Three: The Ladder

Every October, Joe climbed the ladder to clear the leaves from the eavestroughs. Then he wrapped the fig tree in burlap for the winter, as he had for almost fifty years.

This October, Maria held the ladder with both hands and prayed under her breath. Tony pulled into the driveway, saw his eighty-year-old father on the top rung, and went pale. "Dad. Down. Now."

The ladder was only the beginning. The furnace was twenty-six years old and made a new noise every week. A roofer had quoted more for a new roof than Joe once earned in a year. The property tax bill had gone up again, and so had the insurance.

Joe remembered the winter of 1999, when the snow was so deep that Mel Lastman called in the army. That week he shovelled every walk on the block. Now Tony drives over after work to shovel theirs.

They did not want to leave. Their friends, their shops, their church and their doctor were all within a few blocks. But the house asked for more each year, and they had less to give it.

In plain words: Many long-time owners are "house rich and cash poor." The home is worth a great deal, but it pays nothing, while the work and the bills keep growing as the house, and its owners, get older.

Chapter Four: The Basement Flat

In 1979, money was tight. Tony was five, and the mortgage took most of Joe's pay. So Joe spent his weekends finishing the basement, and Maria put a card in the window of the corner store: Basement flat for rent.

A young couple named Minh and Lan answered it. They had just arrived in Canada with very little. Their rent covered a good piece of the mortgage, and for six years the house carried part of its own weight.

Joe thought of that basement flat the first time he heard FoxyHome's idea. It was the same idea, done properly and at full size.

Here it is, plainly. On the same land, the old house is replaced by a new building with seven homes. Joe and Maria live in one of them. The others are rented to families who need a good place to live. The rent pays the building's mortgage and running costs, and over time it is designed to leave something over. FoxyHome designs the building, builds it and looks after it.

There is no gentle way to say the hardest part, so here it is clearly: the old house comes down. After fifty years, that is a real loss. We would rather you hear it from us now than be surprised by it later.

In plain words: "Unlocking equity" means letting the value sitting in your land go to work. The house as it stands earns nothing. A building on the same land can earn rent, month after month.

Chapter Five: Seven Homes Where One Stood

Joe still remembers the stairs up to their two rooms above the bakery: steep and narrow, with a low beam at the top that he hit with his head for a whole year. In September 1972, the baker set a television on the counter, and half the street crowded into the shop to watch Paul Henderson score in Moscow. Maria says not one loaf was sold for an hour.

That little flat was their first step in Canada. Small, cheap, and a start.

When Joe and Maria first walked through a FoxyHome building, Joe did what an old tradesman does. He ran his hand along the window frames and checked that the corners were true. Maria went straight to the garden suite at the back: one floor, no stairs, wide doorways, and a door onto the garden. "This one," she said.

From the street, the building looked as if it belonged there, a good neighbour to the older houses. Inside, everything was new, quiet and warm, built to cost less to heat and to need little fixing for years.

The other homes go to young families, nurses, teachers and newcomers: people at the start of their own story, the way Joe and Maria once were above the bakery.

In plain words: The new building puts seven homes on land that held one, designed to fit the street. Your own home becomes easier to live in, and six other households get a good place to start.

Chapter Six: Maria's Garden Share

In 1995, a young couple moved in next door with a new baby, very little furniture and no garden at all. Maria had more backyard than she could use.

So she made them an offer over the fence. They could plant the back half of her yard. They would bring the seeds, the soil and the work. Maria would bring the ground. At the end of the summer, they would split the harvest: seven baskets for Maria, three for them.

Everyone knew the split before the first seed went in. There was nothing to argue about, because everyone could see what each side brought. And both families ate better than either would have alone.

That is the simplest way to understand the FoxyHome partnership.

The family brings the land. FoxyHome brings the rest: the design and the permits, the money to build, the construction, finding good tenants, and looking after the building for years to come. Seventy per cent stays with the family. Thirty per cent goes to FoxyHome, in return for all of that work.

It is a real step, and it deserves to be treated like one. The land goes into a partnership with the builder, and the terms are written down in a partnership agreement. The family's own lawyer reviews it before anything is signed.

In plain words: Co-ownership means each side brings something, and the shares are agreed in writing at the start. You bring the land. FoxyHome brings the building and the care of it. Your family keeps the larger share.

Chapter Seven: Moving Day

Picture the week before the move: fifty years of a life, in boxes on the living room floor.

Some things go to Tony's house, some to the grandchildren, some to the church sale. A few travel with Joe and Maria. The brass house numbers from beside the front door. A brick from the front step, which Joe pries loose himself. The strip of kitchen door frame where Maria marked Tony's height in pencil on his birthdays. And a cutting from the fig tree in a pot of good soil, wrapped in wet newspaper the way Mr. Costa once gave it to Joe.

While the new building goes up, the builder arranges a comfortable, furnished home for the family, as close to the old street as availability allows. Its cost is carried by the construction agreement, not by the family.

Then comes the day the old house comes down. Maria would rather not watch. Joe goes anyway. He laid bricks for thirty-five years, and he wants to see how it was built. Tony stands beside him and says nothing, which is exactly right.

After that, the news gets better week by week: a foundation, then walls, then a roof. The price of construction is fixed in the contract before work begins, and the finished building comes with a 10-year builder warranty.

In plain words: The move is the hardest part, so the plan is built to make it gentler: a furnished place to live while you wait, at no out-of-pocket cost; a construction price fixed in advance; and a 10-year warranty on the new building.

Chapter Eight: The First Figs

The cutting old Mr. Costa gave Joe in 1977 was no longer than a pencil. The first summer, it gave three figs. The second summer, a handful. Joe was disappointed, and Mr. Costa laughed at him. "Patience. First it makes roots. Then it makes figs."

By the fifth summer, Maria was handing out figs by the bagful to half the street.

Now picture the first years in the new building. Each month, rent comes in from the other homes. Then the bills go out: the mortgage, the property taxes, the insurance, the upkeep and the management. What is left is the building's cash flow, and it is shared: 70 per cent to the family, 30 per cent to FoxyHome.

In the first years, what is left can be small, even nothing, while the building settles in. That is the fig tree making its roots.

After that, the plan works like the fig. Toronto rents have tended to rise over the long run, while the largest cost, the mortgage payment, is set for years at a time. So what is left tends to grow, and the canopy spreads a little wider, year by year. It is not a straight line. Some years are leaner, when a home sits empty for a while or a big repair comes due.

In plain words: Cash flow is the money left over after the bills are paid. In a new building it usually starts small and, over time, tends to grow.

Chapter Nine: Eighteen and Three-Quarters

Maria still remembers the letter from the bank in 1981. She read it twice at the kitchen table before she understood it. Their mortgage was up for renewal, and the new rate was eighteen and three-quarters per cent.

That year, mortgage rates in Canada went past twenty per cent. Overnight, their monthly payment jumped by almost half. Two families on their street sold that year because they could not keep up. Joe and Maria held on, thanks to Minh and Lan's rent and Maria's careful envelopes.

So when Tony heard that the new building would carry a mortgage, he was worried. "Dad, after 1981? You want a mortgage again?"

Joe had already thought it through. "In 1981, our wages had to carry the jump. This time the tenants' rent carries the mortgage, not our pay. It is spread over many years, the way apartment buildings are financed. And before we sign anything, the plan shows how high rates could climb at a renewal before the rent stops covering the costs."

Taxes and insurance tend to creep up, as they do on any house, and the plan allows for that. What matters is that these are costs you can see coming.

In plain words: Think of the costs as the trunk of the tree: the mortgage, taxes, insurance and upkeep. The danger is not having costs; it is a cost that jumps without warning. The plan is designed so the rent carries these costs with room to spare.

Chapter Ten: Tony's Questions

Tony came to the next Sunday dinner with a yellow pad full of questions. His wife Sarah had added a few of her own. Joe pretended to be annoyed. Secretly, he was proud.

"Who pays the mortgage on the new building?" The tenants' rent. A building with several homes has several rent cheques coming in, not one.

"What if a tenant stops paying, or a home sits empty?" It happens. It is a real nuisance, and the plan is built with room for it. A professional manager deals with tenants, so Joe and Maria do not have to.

"What happens to Mom and Dad's share one day? And what if the family needs to get out?" Good questions, and the answers are written into the partnership agreement. FoxyHome goes through it with the whole family at the kitchen table, and the family's own lawyer reviews it before anything is signed.

"Who are these people?" A Toronto builder for nearly 30 years, with buildings you can walk through and people you can meet.

"Is this right for everyone?" No. It is a long-term arrangement, built for families who plan to stay. If you may need your money out in the next few years, a sale may suit you better.

Before they left, Maria made Joe, Tony and the grandchildren, Leo and Sofia, stand on the front walk for a picture. "Whatever we decide," she said, "I want this one."

In plain words: Adult children should ask hard questions, and each one deserves a straight answer, in writing. A good arrangement holds up when you look at it closely.

Chapter Eleven: Two Lines on Graph Paper

Leo is ten and good at math. One evening at his grandparents' kitchen table, he took out a sheet of graph paper and said, "Grandpa, I'll show you how it works."

Near the bottom, he drew a line that rose only a little from left to right. "That's what the building costs each year. The mortgage, the taxes, all that." Above it, he drew a second line that climbed faster. "That's the rent."

He tapped the space between them. "This part is what's left over. See how it gets bigger? It's like the alligator in math class. The mouth opens wider."

Joe studied it for a long time. "So, the figs are in the alligator's mouth."

"Sure, Grandpa," said Leo.

Real life is not drawn with a ruler. Some years the rent line wobbles, if a home sits empty or rents in the city slip for a while. Some years the cost line jumps, with a big repair or a higher rate at renewal. The plan leaves room for the wobbles. But over a long stretch, the shape Leo drew is the idea: costs that move slowly, rent that has room to grow, and a gap between them that tends to widen.

In plain words: What matters most is the gap between what the building earns and what it costs. Over time, that gap is designed to widen, and the family's share of it is 70 per cent.

Chapter Twelve: Maria's Envelopes

From the day they arrived in Canada, Maria ran the household with envelopes. Joe brought home his pay on Friday, and Maria divided it at the kitchen table. One envelope for the mortgage. One for groceries. One for the church. One to send back home. And the thinnest one, marked "for a rainy day."

In 1981, it rained. That thin envelope is part of the reason they kept the house.

Now picture Maria at her new kitchen table, a few years after the move home. There is a new envelope. What goes into it is the family's share of what the building earns after the bills are paid. It is not a fortune, and it is not the same every month. But it comes from rent, so over the years it has room to grow.

Maria already knows what it is for. Someone to help with the heavy cleaning. A trip back home for her niece's wedding. A little toward Leo's and Sofia's schooling. And the thing she wanted most of all: to stop lying awake at night, doing sums.

Joe calls it the fig envelope.

In plain words: A paid-off house is wealth you cannot easily spend. It keeps a roof over you, but it does not pay the dentist. Income does. The partnership turns part of the value in your land into income, while your family keeps its share of the building.

Chapter Thirteen: The Spring of 1989

In the spring of 1989, everyone in Toronto was talking about house prices: at weddings, at christenings, after church on Sunday. Prices had more than doubled in a few years, and people were sure they would keep climbing.

A young couple, the Novaks, bought the house across the street that spring, at the very top. They stretched to do it. Then the market turned. Over the next few years, Toronto prices fell by roughly a quarter, and they took more than a decade to climb back.

On paper, the Novaks lost a lot of money. But they did not sell. They kept their jobs, paid their mortgage, raised their kids and waited. They are still across the street today, and their house is worth several times what they paid.

Joe and Maria watched all of it and changed nothing. The house kept them just as warm in 1992 as it had in 1989.

The price on any given day is only what one buyer will pay on that day, and it moves with people's moods. For a family that is staying, what matters more is what the place is made of and what it earns.

In plain words: FoxyHome does not measure a family's legacy by the market's ups and downs. Prices matter most to people who are forced to sell at the wrong moment. A long-term plan is designed so that you are not one of them.

Chapter Fourteen: What Would It Cost to Build It Again?

Every year, the home insurance renewal arrived with a line Joe understood better than most: replacement cost. Not what the house would sell for, but what it would cost to build it again if it burned down. Joe laid bricks for thirty-five years. He knew what a wall costs.

That idea sits behind the words "Hard Deck" in these pages. Pilots use "hard deck" for the floor they agree to fly above. FoxyHome uses it for a measure of value built from real things. It adds up the land and everything it would take to build the building again: concrete, steel, glass, wood and skilled hours. An independent cost consultant certifies the figure.

It matters to be clear about what that number is. It is a cost to build. It is not a market price, and it is not the family's equity. The family's 70 per cent is a share of that building, and the building also carries a mortgage.

Here is the part Joe liked best. In 2001, he and Maria burned their old mortgage papers in the backyard barbecue, and the house was theirs, free and clear. In the new building, the tenants' rent pays the mortgage down a little each month. As the mortgage shrinks, the part of the building that is free and clear grows, and 70 per cent of that belongs to the family.

In plain words: Market prices follow moods. Building costs move more slowly and, over the long run, have mostly gone up. Replacement cost tells you what the building is made of. The value behind your family's share grows as the rent pays the mortgage down.

Chapter Fifteen: The Corner

For thirty-one years, Joe waited at the corner at the end of his street for the 6:10 streetcar to the job site. He knows that corner in every season.

One evening that autumn, he walked down to it alone and stood there, the way a man does when he has something to decide. He could see three roads.

The first was to stay as they were: keep the house, keep climbing the ladder as long as they could, and pay for the roof and the furnace as they came due. For some families, that is the right choice for now.

The second was to sell, like the Costa children. Money in the bank, and a move somewhere smaller, probably farther away. For a family that needs its money soon, that can be the right road.

The third was the partnership: keep a place on the street and a share of a new building on the land, with income that has room to grow and something real to leave the children. It is the longest of the three roads, and it suits families who plan to stay.

When Joe got home, Maria had the kettle on. "We don't have to decide tonight," she said.

She was right. At the start, there is nothing to sign and nothing to decide. There is a building to walk through with your children, every question you can think of, a conversation at your own kitchen table, and your own lawyer when you are ready.

In plain words: Each road suits some families. What matters is choosing on purpose, together, with all the facts in front of you.

Chapter Sixteen: Sunday Dinner

Picture a Sunday a few years from now.

The table is set for six in Joe and Maria's new home, on the same land, on the same street. Sarah has brought dessert. Tony and his father are arguing about the Leafs, as they have for forty years. Leo is explaining something to Sofia that she did not ask about.

In one of the other homes, a young nurse is coming in from a night shift. In another, a couple with a new baby is learning how little sleep a person can live on. They remind Maria of two young people above a bakery on the Danforth.

By the front door stands the fig, in a big clay pot, heavy with fruit. Beside it are the brass numbers from the old house and the brick from the old front step. In the hall hangs the strip of door frame with Tony's heights in pencil. Beside them, in fresh pencil, are Leo's and Sofia's.

Joe looks around the table and does the arithmetic he has done all his life. The house he paid $54,000 for is gone. The street, the neighbours, the land and the family are all still here, and now the land is working for them.

He kept his home. And he is growing something to leave behind.

In plain words: "Keep your home" means your street, your neighbours and your place in the community. "Grow your wealth" means letting the land under you earn for your family, for years to come.

What FoxyHome does, in plain words

You have a house in Toronto. It is paid for, or close to it. The bills keep going up and the income does not. Or the house has come to you from a parent, and the family does not want to sell it to a stranger.

Until now you had three choices: sell and move away, downsize, or take a loan against the house. Here is the fourth one.

Your house is replaced by six or seven new homes on the same land.

You own most of the new building, together with FoxyHome. There is no outside buyer, no listing, and you never have to leave the neighbourhood.

Where does the value come from? The new building is worth many times more than the land it stands on. That is certified by independent professionals, not our opinion.

We are paid through the building, not by you. We will show you how when we meet.

How it works

Six steps. Your family and your own lawyer can be part of every one of them.

1. Reach out today. Fill in the short form with the address of the home. We check whether the lot fits the program and write back to you with the answer. It is free and commits you to nothing.
2. We talk. If the lot fits, we set up a first conversation - by phone first, then in person wherever you are comfortable: our office, a coffee shop, or your kitchen table once you know us. Bring your children and your questions.
3. We look at your property. We check whether your lot fits the program and show you what could be built on it. Approval depends on the lot, the survey, zoning and permits.
4. Your own lawyer reviews everything. A lawyer who works for you, not for us. Nothing moves forward without them.
5. The price is locked, then we build. Before we start, the builder signs a fixed-price contract (a CCDC 2, the standard Canadian construction contract). If it costs more to build, that is our problem, never yours. Your home during construction is paid under that same contract.
6. You come home. You can live in one of the new homes. We find the tenants and manage the building. You receive your share of what the building earns.

Your protections

This is how every conversation with us runs, and you can hold us to it.

• You read a plain-language disclosure of the risks before anything moves forward.
• Your family can be in every meeting.
• Your own lawyer signs off before anything moves forward.
• Nothing is signed at a first meeting.
• Everything is in writing.
• No number is ever guaranteed - we give you estimates, not promises.

Our work

A Toronto builder for nearly 30 years. The completed buildings are ours - we built them and we run them today. The first family partnership, at 5 Knight Street, is under construction now. Come and see them. We have also built seventeen Princess Margaret Grand Prize Homes in Oakville.

We build them, we manage them, and we stand behind them.

• 12 Batavia Avenue - Completed
• 21 Batavia Avenue - Completed
• 50 Castleton Avenue - Completed
• 5 Knight Street - Under construction
• 23 Ross Street - Completed

Meet our founder

Carlos Jardino, founder of FoxyHome by PCM, in a short introduction.

Common questions

Do I have to sell my home and leave?

Your property goes into a partnership that you own most of, and the new homes are built on it. There is no outside buyer, no listing, and you never have to leave the neighbourhood. Your own lawyer walks you through how the ownership works before you sign anything.

Who pays for the construction?

FoxyHome stands behind the construction financing. The builder works under a fixed-price contract, so if it costs more to build than planned, that is the builder's problem, never yours.

Where do I live while it is being built?

In one of our luxury furnished rentals, paid under the construction contract at no cost to you and arranged in writing before anything closes. It may or may not be nearby, depending on availability; either way, we take care of your family.

Can I live in the new building afterwards?

Yes. You can live in one of the new homes, and so can an adult son or daughter. If you would rather be somewhere else nearby, we place you as close as we can to where you want to be, subject to availability.

What do I actually own afterwards?

A registered ownership share of the completed rental building - a documented interest you can leave to your children. It is a share of a building, not a house you can sell on the open market next week. Your lawyer explains what that means for you before you decide.

Can my children be involved?

Please. We ask that your family sit in on every conversation, from the very first meeting.

What if I decide not to go ahead?

Then nothing happens. There is a cooling-off period, and you can stop at any point before signing at no cost and no penalty, other than your own lawyer's fee. Take the time you need.

Who looks after the tenants and the building?

FoxyHome does - leasing, management and maintenance, for the long run. You are an owner, not an operator.

Does my property qualify?

The program is for detached homes in Toronto. Whether a lot qualifies depends on the lot itself, the survey, zoning, permits and the neighbourhood. Contact us and we will check - it costs nothing to ask.

How is FoxyHome paid?

Through the building, not by you. Our fees are set out in the documents your own lawyer reviews before you sign.

How do I know this is not a scam?

You should ask that. Here is how to check us: read the plain-language disclosure of the risks, take everything to your own lawyer and your children, and look at the buildings we have already finished in Toronto. We insist on the lawyer.

If it goes wrong, do we lose the house?

The structure carries real risk, and this is where it sits. The partnership owns the land and the building and can appoint a replacement general partner, so the possibility of FoxyHome itself failing is a real scenario your own lawyer should test. As a limited partner you would not owe more than you contributed, and you also would not control the building.

Ask us about your home.

No pressure, no paperwork. Tell us where the home is, and we will write back and tell you whether your lot fits.

What happens after you send this

We look up the lot - its size, the survey, the zoning - and write back to you.

If the lot fits, the next step is a first conversation - by phone, or in person wherever you are comfortable - and your children are welcome to join. Nothing is signed at that meeting or any first meeting.

By sending this, you agree that FoxyHome by PCM may contact you about your property. We use your details to write back to you about your lot and to reach you about it. You can ask us to remove them at any time.

FoxyHome by PCM - a Toronto builder for nearly 30 years. Nothing on this page is an offer, advice or a guarantee. The signed program documents govern.

FoxyHome by PCM does not provide mortgage brokerage, tax, or financial advisory services. For financial advice, please consult a qualified professional.