Kim Franz Mortgage and Bookkeeping

07/27/2026

📈🏡 𝗔𝗥𝗘 𝗬𝗢𝗨 𝗜𝗚𝗡𝗢𝗥𝗜𝗡𝗚 𝗬𝗢𝗨𝗥 𝗥𝗘𝗡𝗧𝗔𝗟 𝗣𝗥𝗢𝗣𝗘𝗥𝗧𝗬'𝗦 𝗖𝗔𝗦𝗛 𝗙𝗟𝗢𝗪 𝗧𝗥𝗘𝗡𝗗𝗦?

Summer is a great time to relax and recharge.

Whether you're camping, spending time at the lake, or enjoying a backyard BBQ, it's also a good opportunity to check in on your rental property's financial performance.

One of the biggest mistakes landlords make is only looking at this month's cash flow instead of tracking the trend over time.

A single month rarely tells the whole story.

📊 Are your maintenance costs increasing?

📊 Have insurance premiums gone up?

📊 Are repairs becoming more frequent?

📊 Is your monthly cash flow slowly shrinking?

These changes often happen gradually, making them easy to overlook until they start affecting your bottom line.

Tracking cash flow trends helps you spot problems early and make proactive decisions. You may decide it's time to review your rent, refinance your mortgage, reduce expenses, or budget for upcoming repairs before they become unexpected surprises.

Successful landlords don't just ask,

"Did I make money this month?"

They ask,

"Is my property becoming more or less profitable each year?"

☀️ Before summer comes to an end, spend a little time reviewing your rental property's cash flow over the past 12 to 24 months.

You may discover opportunities to improve profitability that aren't obvious from looking at a single month's numbers.

A 𝗥𝗲𝗻𝘁𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗛𝗲𝗮𝗹𝘁𝗵 𝗖𝗵𝗲𝗰𝗸 can help you identify trends, evaluate your financing, and better understand the financial health of your investment.

Small trends today can become big problems tomorrow—unless you catch them early.

📩 Have questions about your rental property's cash flow? I'd be happy to help.

07/20/2026

☀️🏡 **𝗔𝗥𝗘 𝗬𝗢𝗨 𝗢𝗩𝗘𝗥𝗣𝗔𝗬𝗜𝗡𝗚 𝗧𝗔𝗫 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗥𝗘𝗡𝗧𝗔𝗟 𝗣𝗥𝗢𝗣𝗘𝗥𝗧𝗬?**

Summer is here!

Whether you're enjoying a weekend at the lake, firing up the BBQ, or planning a family vacation, it's a great time to take a closer look at your rental property's finances.

One mistake I see many landlords make is **overpaying tax simply because their bookkeeping isn't complete or organized.**

When receipts are missing, expenses aren't tracked properly, or personal and rental transactions are mixed together, legitimate deductions can easily be overlooked.

💰 Every missed deductible expense could mean paying more tax than necessary.

Some commonly overlooked items include:

✔️ Mortgage interest

✔️ Property management fees

✔️ Insurance

✔️ Repairs and maintenance

✔️ Professional fees

✔️ Office and bookkeeping expenses related to managing your rentals

Good bookkeeping isn't just about making tax season easier.

It's about having accurate financial information throughout the year so you can make better decisions about your rental properties and maximize your investment returns.

📊 Organized records can also make life much easier if you're refinancing, purchasing another property, or responding to questions from the Canada Revenue Agency.

☀️ Before summer slips away, spend a little time organizing your rental property records.

It could save you money, reduce stress, and give you a much clearer picture of how your investment is performing.

A **𝗥𝗲𝗻𝘁𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗛𝗲𝗮𝗹𝘁𝗵 𝗖𝗵𝗲𝗰𝗸** can help identify opportunities to improve your bookkeeping, understand your cash flow, and ensure your rental property is working as efficiently as possible.

**The best tax strategy often starts with good bookkeeping.**

📩 Have questions about your rental property finances? I'd be happy to help.

07/18/2026

Happy Summer!! 😎🍨🍦🍧

07/16/2026

Looks like the weather is going to be awesome for RibFest this weekend at Rocky Point Park 😎

I'll be volunteering again so come say hi and get some ribs. Entrance is by donation.

Brand New for RIBFEST 2026 - RIBFEST Taster Pack!!

Taste your way through RIBFEST with one competition rib from each of our seven Ribbers—then cast your vote for your favourite.

• Sample all 7 Ribbers: Enjoy one competition rib from each Ribber in a single Taster Pack.

• Skip the lines: Spend less time waiting and more time tasting the best ribs at Port Moody RIBFEST.

• Vote for your favourite: Use your unique voter code to help choose the People’s Choice Award winner.

• Only $36: A limited number of Taster Packs are available for Friday and Saturday only.

• Easy to buy: Purchase tickets at the Main Beverage Cashier, Corn Tent, or Pop Tent.

• Bonus prize draw: Each Taster Pack includes a chance to win two tickets to the Rotary Lounge on Sunday at 2 p.m.

07/15/2026

07/15/2026

Bank of Canada holding rates for variable rate mortgages 😄

Automatically view the rate announcement the moment it is published.

07/13/2026

🏡☀️ 𝗔𝗥𝗘 𝗬𝗢𝗨 𝗧𝗥𝗔𝗖𝗞𝗜𝗡𝗚 𝗬𝗢𝗨𝗥 𝗥𝗘𝗧𝗨𝗥𝗡 𝗢𝗡 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 (𝗥𝗢𝗜) 𝗧𝗛𝗜𝗦 𝗦𝗨𝗠𝗠𝗘𝗥?

Summer is a season for making memories.

Whether you're taking a family vacation, spending weekends at the lake, or simply enjoying longer evenings outdoors, it's easy to put your rental property finances on autopilot.

But while you're enjoying summer... 🌞

**Is your investment working as hard as it could be?**

Many landlords know how much rent they collect each month.

Far fewer know their actual **Return on Investment (ROI).**

ROI isn't just about rental income.

It's about understanding how your property is really performing after considering:

✔️ Cash flow

✔️ Operating expenses

✔️ Mortgage costs

✔️ Equity growth

✔️ Overall return on your investment

A property that was an excellent investment five years ago may not be your best-performing property today.

Tracking your ROI can help answer important questions like:

❓ Should I renovate to increase rental income?

❓ Is it time to refinance?

❓ Would my equity be better invested elsewhere?

❓ Is this property helping me reach my long-term financial goals?

The most successful landlords don't rely on gut instinct.

They rely on numbers.

☀️ Before summer comes to an end, take an hour to review how your rental property is really performing.

A **𝗥𝗲𝗻𝘁𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗛𝗲𝗮𝗹𝘁𝗵 𝗖𝗵𝗲𝗰𝗸** can help you understand your cash flow, financing, equity position, and overall investment performance.

𝗬𝗼𝘂 𝗰𝗮𝗻'𝘁 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗱𝗼𝗻'𝘁 𝗺𝗲𝗮𝘀𝘂𝗿𝗲.

📩 If you'd like to know what your numbers are telling you, send me a message. I'd be happy to help.

07/06/2026

🏠☀️ 𝗗𝗢𝗡'𝗧 𝗟𝗘𝗧 𝗦𝗨𝗠𝗠𝗘𝗥 𝗗𝗜𝗦𝗧𝗥𝗔𝗖𝗧 𝗬𝗢𝗨 𝗙𝗥𝗢𝗠 𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗘 𝗢𝗣𝗣𝗢𝗥𝗧𝗨𝗡𝗜𝗧𝗜𝗘𝗦

Summer is a busy season.

Between vacations, barbecues, camping trips, yard work, and enjoying time with family, it's easy for rental property owners to put financial reviews on the back burner.

But while you're focused on summer activities, your rental property may be quietly creating opportunities you haven't reviewed. 👀

One of the biggest missed opportunities for landlords is failing to revisit their mortgage and equity position.

Property values may have changed.

Mortgage balances may have decreased.

Rents may have increased.

And your financial goals may be different than they were when you first arranged your financing.

A refinance is not always the right move—but it is worth reviewing.

In some cases, refinancing may help improve cash flow, consolidate higher-interest debt, fund renovations, or access equity for another investment property.

Timing also matters.

Waiting until your mortgage renewal date may limit your options or create unnecessary pressure. Reviewing your mortgage before renewal gives you more time to explore possibilities and make better decisions.

☀️ Before summer slips away, take a closer look at your rental property.

A 𝗥𝗲𝗻𝘁𝗮𝗹 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗛𝗲𝗮𝗹𝘁𝗵 𝗖𝗵𝗲𝗰𝗸 can help you review your cash flow, mortgage, equity position, and potential opportunities.

𝗬𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆 𝗺𝗮𝘆 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗯𝗲 𝘀𝗶𝘁𝘁𝗶𝗻𝗴 𝗶𝗻𝘀𝗶𝗱𝗲 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘆𝗼𝘂 𝗼𝘄𝗻.

Want to know what your numbers are telling you?

📩 Send me a message. Let's take a look.

07/01/2026

Have a safe and wonderful Canada Day!!