Being a landlord can be rewarding — but it’s easy to fall into traps that cost time, money, or even lead to legal headaches. Whether you’re new to renting or have managed properties for years, knowing the common pitfalls (and how to avoid them) will help you protect your investment and keep your tenants happy.

At GTA Landlord, we help property owners across the Greater Toronto Area navigate everything from tenant placement and lease management to full-service property management, ensuring your rental business runs smoothly and profitably.

Here are the 10 most common mistakes landlords make in Canada — and how to avoid them.

1. Poor Tenant Screening

Mistake:
Skipping background checks, failing to verify income, or not contacting past landlords can result in unreliable tenants or payment issues.

How to Avoid It:

• Use a standardized rental application

• Verify employment and income sources

• Review credit reports and request landlord references

✅ Pro Tip: GTA Landlord offers a comprehensive Tenant Screening Program that includes credit, employment, and background verification — helping you secure reliable tenants with confidence.

2. Using Verbal Agreements or Weak Written Leases

Mistake:
Relying on verbal promises or incomplete lease agreements often leads to confusion and disputes later on.

How to Avoid It:

• Always use a detailed written lease

• Follow your province’s standard lease template (e.g. Ontario Standard Lease)

• Include clear rules about pets, smoking, maintenance, and notice periods

At GTA Landlord, we prepare compliant, legally sound leases customized to each property — protecting you and your investment.

3. Ignoring Landlord-Tenant Laws

Mistake:
Not knowing the rules around rent increases, evictions, or maintenance obligations can lead to legal trouble.

How to Avoid It:

• Stay informed about your province’s Residential Tenancies Act (RTA)

• Consult reliable landlord resources

• Seek advice before issuing notices or evictions

Our experts stay updated on Ontario’s landlord-tenant laws to ensure your rentals remain compliant and protected.

4. Delaying or Neglecting Maintenance

Mistake:
Ignoring small repairs or safety issues can turn minor fixes into costly renovations.

How to Avoid It:

• Schedule regular inspections

• Respond quickly to maintenance requests

• Keep records of all repairs with photos and receipts

GTA Landlord coordinates reliable contractors and maintenance services, so your property stays in top condition year-round.

5. Poor Communication

Mistake:
Lack of timely or professional communication can damage the landlord-tenant relationship.

How to Avoid It:

• Keep all correspondence in writing

• Set clear expectations for communication

• Respond promptly to tenant concerns

Our team handles all tenant inquiries on your behalf, ensuring smooth, respectful communication that keeps tenants satisfied.

6. Financial Mis-Planning

Mistake:
Many landlords underestimate expenses or fail to plan for vacancies and unexpected costs.

How to Avoid It:

• Maintain an emergency fund

• Track rental income and expenses closely

• Budget for property taxes, insurance, and upkeep

With GTA Landlord’s management services, you get detailed financial reporting and expense tracking for full transparency.

7. Mishandling Security Deposits

Mistake:
Withholding or delaying deposit returns without justification can lead to tenant disputes or legal claims.

How to Avoid It:

• Know what deductions are legally allowed

• Document the property condition before and after tenancy

• Return deposits promptly

Our process ensures all deposits are handled legally and documented properly to protect your rights as a landlord.

8. Illegal or Discriminatory Practices

Mistake:
Asking questions about race, family status, or religion during screening violates human rights laws.

How to Avoid It:

• Review the Ontario Human Rights Code

• Focus on rental history, income, and creditworthiness — not personal details

GTA Landlord’s screening procedures are fully compliant with Canadian privacy and human rights standards.

9. Improper Eviction Procedures

Mistake:
Evicting a tenant without proper legal notice or cause can backfire.

How to Avoid It:

• Use the correct LTB form (e.g., N4, N5, N12, etc.)

• Provide the required notice period

• Keep thorough records

We assist landlords through the full eviction process, ensuring every step follows Ontario’s Landlord and Tenant Board guidelines.

10. Poor Record Keeping

Mistake:
Failing to document leases, payments, or maintenance records leaves landlords exposed in disputes.

How to Avoid It:

• Keep organized digital records

• Save all communications and receipts

• Photograph the unit before and after each tenancy

Our management platform keeps your documentation secure and accessible anytime you need it.

Final Thoughts

Landlording in Canada isn’t just about collecting rent — it’s about managing a professional, compliant, and well-structured business. Avoiding these mistakes can save you legal trouble, reduce turnover, and improve profitability.

If you’re ready to simplify your rental experience, visit www.gtalandlord.ca to learn more about our Tenant Placement, Full-Service Property Management, and Landlord Support Programs — trusted by property owners across the Greater Toronto Area.

Frequently Asked Questions

1. What not to say to your landlord?
Avoid saying anything that implies a lease violation (e.g., unauthorized sublets or repairs). Keep communication factual and professional.

2. What’s the most you can sue your landlord for in Ontario?
As of October 1, 2025, the Landlord and Tenant Board’s limit increased to $50,000. Claims above that may go to Small Claims Court.

3. What is a bad tenant list in Canada?
Unofficial “bad tenant lists” may violate privacy laws. Use regulated tenant bureaus or credit agencies for verified rental histories.

4. What’s the most common action taken against tenants who breach their lease?
Landlords typically issue a notice of breach (e.g. N4, N5, or N12) before applying for eviction through the LTB.

Finding the right tenant is one of the most important steps in protecting your rental property investment. A thorough screening process helps you avoid costly evictions, late payments, and property damage. But what exactly should landlords check when screening tenants? Here’s the ultimate tenant screening checklist—covering credit, background, employment, references, and common red flags.

1. Credit Check

• Why it matters: A tenant’s credit history shows how reliably they pay bills and manage debt.

• What to look for:

  • Consistent, on-time payments.

  • No major delinquencies, bankruptcies, or collections.

  • Reasonable debt-to-income ratio.
    
    

• Red flag: Multiple missed payments or large unpaid debts.

2. Employment & Income Verification

• Why it matters: Stable income ensures rent can be paid on time.

• What to check:

  • Employment letter confirming position, salary, and status (permanent vs. contract).

  • Recent pay stubs (usually last 2–3 months).

  • Bank statements if self-employed.
    
    

• Red flag: Income less than 3x the rent or unverifiable employment.

3. Rental History & References

• Why it matters: Past behaviour is a good predictor of future behaviour.

• What to check:

  • Contact previous landlords for payment history, property care, and overall reliability.

  • Confirm length of tenancy and reasons for moving.
    
    

• Red flag: A landlord who hesitates or avoids giving details—or reports unpaid rent or property damage.

4. Background Check

• Why it matters: Helps identify risks related to criminal activity or past evictions.

• What to check:

  • Court records (where legally accessible).

  • Eviction history databases.

  • Public record searches.
    
    

• Red flag: Recent eviction filings or repeated legal disputes with landlords.

5. Identity Verification

• Why it matters: Confirms the applicant is who they claim to be.

• What to check:

  • Government-issued photo ID (driver’s licence, passport).

  • Cross-check name and date of birth with credit and employment records.
    
    

• Red flag: Mismatched information or refusal to provide valid ID.

6. Assessing Red Flags Holistically

• A single issue (like minor credit blemishes) isn’t always a dealbreaker.

• Look for patterns: repeated late payments, inconsistent job history, or multiple landlord disputes.

• Balance risk with context—sometimes life events temporarily impact finances but don’t reflect long-term reliability.
  
  

Final Summary

Tenant screening isn’t about finding a “perfect” tenant—it’s about reducing risk and selecting someone responsible and stable. By carefully reviewing credit, employment, rental history, background, and ID, landlords can protect their property and ensure smoother tenancies. A strong screening process saves time, money, and stress in the long run.

Frequently Asked Questions

1. What is included in a tenant screening checklist?
It typically covers credit history, employment verification, rental references, background checks, and identity confirmation.

2. How do landlords check if a tenant is reliable?
They use a combination of credit reports, income documents, and past landlord references to assess payment reliability and overall behaviour.

3. What red flags should landlords look for when screening tenants?
Unverifiable employment, poor credit history, prior evictions, inconsistent information, or negative landlord references are major red flags.

4. How do I verify a tenant’s employment in Canada?
Request an employment letter, pay stubs, or bank statements. Landlords may also contact the employer directly (with the tenant’s consent).

5. Is tenant screening mandatory in Ontario?
No, it’s not mandatory, but it’s highly recommended. Landlords are legally allowed to request certain information (credit, employment, references) as long as they comply with Ontario’s Human Rights Code.

Toronto’s rental market is one of the most competitive in Canada. While demand is high, not every applicant will be the right fit for your property. As a landlord, finding qualified tenants means striking the right balance between maximizing rental income and minimizing risk. By following these seven steps, you’ll be able to attract reliable renters while staying compliant with Ontario’s laws.

1. Prepare Your Property for the Market

• Ensure compliance: Confirm the unit meets Ontario’s health, safety, and maintenance standards.

• Upgrade strategically: Small touches like fresh paint, modern lighting, and working appliances appeal to quality tenants.

• Professional cleaning: A spotless, move-in ready unit sets the tone for respect and responsibility.

2. Set a Competitive Rent Price

• Market research: Compare similar listings in your Toronto neighbourhood.

• Factor in amenities: Units with parking, in-suite laundry, or proximity to transit justify higher rents.

• Avoid overpricing: A high rent may attract fewer applications, leaving you with desperate or unqualified tenants.

3. Advertise Effectively

• Use multiple platforms: Realtor.ca, Zumper, Facebook Marketplace, and local classifieds.

• High-quality visuals: Professional photos and video tours generate more inquiries.

• Clear descriptions: Highlight features (pet-friendly, balcony, utilities included) and set expectations (no smoking, credit checks required).

4. Pre-Screen Applicants Early

• Initial questionnaire: Ask about employment, move-in date, pets, and household size before scheduling viewings.

• Phone or video calls: Quick conversations can reveal professionalism and compatibility.

• Respect privacy: Gather only information allowed under Ontario’s Human Rights Code.

5. Show the Unit Professionally

• Flexible timing: Offer evening and weekend viewings to increase turnout.

• Be transparent: Answer questions honestly about utilities, condo fees, or neighbourhood noise.

• Observe behaviour: Punctuality, preparedness, and respect at showings are often good indicators of future tenancy.

6. Conduct Thorough Screening

• Credit check: Use landlord services like Equifax or Naborly to review payment history.

• Employment verification: Request a job letter and recent pay stubs.

• References: Speak directly with past landlords to confirm reliability.

• Tenant consent: Always get written permission before conducting background checks.

7. Finalize with a Strong Lease Agreement

• Use Ontario’s standard lease: This ensures compliance with provincial rules.

• Add clear clauses: Cover rent due dates, responsibilities, and rules for pets or smoking.

• Collect legal deposits only: In Ontario, landlords can request a rent deposit (last month’s rent) but not security deposits.

• Document condition: Complete a move-in inspection checklist with photos to avoid disputes later.
  
  

Final Summary

Finding qualified tenants in Toronto doesn’t need to be overwhelming. By preparing your property, marketing strategically, pre-screening applicants, and following Ontario’s legal framework, you can attract responsible renters and reduce turnover headaches. Remember: the right tenant not only pays rent on time but also respects your property and helps protect your investment.

Frequently Asked Questions

1. How to find good tenants in Ontario?
Advertise widely, use detailed listings, and conduct proper screening (credit checks, references, and employment verification). A strong lease and professional communication also help attract quality tenants.

2. How to attract high quality tenants?
Offer a clean, well-maintained property at a fair price, highlight desirable features, and be responsive during the application process. Professional presentation often attracts professional renters.

3. Is there a list for bad tenants?
Ontario does not maintain an official “bad tenant list” due to privacy laws. However, landlord services and tenant screening platforms provide tools to check credit and rental history legally.

4. How to identify tenants?
Request government-issued photo ID during the application process and cross-verify with references and employment documents. Always follow Ontario privacy and human rights regulations.

5. How to find tenant details?
With the tenant’s consent, you can use services like Equifax, Naborly, or RentCheck to gather details such as credit scores, payment history, and past rental references.

Vacancies are costly. Every day your unit sits empty, you're losing potential rental income while still paying for mortgage, taxes, and maintenance. To maximize profits, a short turnaround and high occupancy rate are essential. Below are seven proven strategies Canadian landlords—especially in Ontario—can use to reduce vacancy time and improve profitability.

1. Price Smartly & Responsively

• Market research: Evaluate comparable rents in your area (same neighbourhood, number of bedrooms, amenities).

• Competitive incentives: Offer move-in specials (e.g. first month half off, free parking for 3 months) rather than huge rent cuts.

• Be flexible: For strong tenants, slightly below market rent may retain income and reduce turnover cost.
  
  

2. Keep the Unit in Move-In Ready Condition

• Routine maintenance: Address smaller repairs proactively (paint touchups, fix leaky faucets) so the unit is always ready.

• Deep cleaning: Before listing, ensure the unit is spotless—clean carpets, windows, kitchen, bathroom, etc.

• Neutral decor: Use neutral colours and materials that appeal broadly, reducing objections from prospective renters.

• Efficient upgrades: Replace aging appliances or make small improvements (e.g., better lighting, smart thermostat) that add appeal and justify higher rent.
  
  

3. Market Aggressively & Creatively

• Multichannel listings: Use online platforms (e.g. Realtor.ca, Kijiji, Facebook Marketplace), but also local bulletin boards or community groups.

• High-quality visuals: Use sharp, well-lit photos and video walkthroughs or virtual tours to generate excitement.

• Highlight features: Emphasize selling points—proximity to transit, schools, parks, amenities (in-suite laundry, parking, storage).

• Quick listing: Post within a day or two after turnover to capture early interest.
  
  

4. Streamline Application & Move-In Process

• Online applications: Use digital forms, credit checks, and e-signing to speed up tenant approval.

• Pre-screening: Ask preliminary questions (income, pets, move-in date) before scheduling showings.

• Flexible showing hours: Offer evening or weekend showings to accommodate working renters.

• Bundle tasks: Coordinate cleaning, repairs, and inspections to overlap where possible so the unit can be shown even before full turnover finishes.
  
  

5. Retain Good Tenants

• Communication: Stay responsive to tenant concerns and maintenance issues—happy tenants are more likely to renew.

• Renewal incentives: Offer small perks for lease renewals (e.g. small appliance upgrade, paint refresh, slight rent freeze).

• Adjust timing: Reach out early—3–4 months before lease ends—to discuss renewal.

• Understand rent pressures: Use lease renewal discussions to justify any increases with documented cost changes or improvements.

6. Optimize Turnover Timing

• Minimize vacancy window: Time the lease ending such that the unit becomes available in high-demand months (spring/summer).

• Back-to-back scheduling: Plan final inspection, cleaning, and required repairs immediately following move-out, leaving zero lag time.

• Partial occupancy: If an approved tenant is ready before the prior tenant fully leaves, negotiate overlapping days (if legal/feasible).

• Seasonal strategy: Avoid ending leases during slow leasing seasons (winter) where possible.

7. Use Metrics and Continuous Improvement

• Track key metrics: Vacancy days per unit, turnover costs, cause of move-out (tenant initiated vs. eviction), renewal rate.

• Analyze patterns: If units in a certain building or floor seem slower to rent, investigate causes (noise, lighting, views).

• Adjust pricing and policies: Use data to fine-tune rent, lease lengths, pet policies, or marketing.

• Solicit feedback: Ask departing tenants why they left—and prospective ones why they didn’t choose your property.
  

How GTA Landlord Can Help

At GTA Landlord, we know vacancy is one of the biggest challenges for property owners. That’s why our team of experienced real estate professionals specializes in helping landlords across the GTA:

• ✅ Finding qualified renters quickly through aggressive marketing and tenant screening

• ✅ Full property management services to handle maintenance, renewals, and inspections

• ✅ Legal and contractual documentation to ensure compliance and protect your investment

By working with GTA Landlord, you can cut down vacancy time, improve tenant quality, and enjoy true peace of mind.

Final Summary

Reducing vacancy time is about being proactive: maintain your properties well, price competitively, market smartly, process applications rapidly, and keep good tenants. Over time, your turnover costs shrink and occupancy rates rise—boosting your net returns.

Frequently Asked Questions

1. What is the ideal rental vacancy rate?
In many markets, a 3% to 5% vacancy rate is considered healthy—it gives flexibility for tenant turnover while still maintaining good occupancy. Lower than that might indicate underpricing or overuse; significantly higher signals inefficiency or weak demand.

2. Can I ask my landlord to reduce the rent?
Yes— you can always ask. Whether they agree depends on your leverage (length of tenancy, market conditions). But they aren’t legally required to reduce unless your lease allows it or local rent laws/regulations mandate it.

3. What is the highest percentage a landlord can raise rent?
In Ontario for 2025, the rent increase guideline is 2.5% for most units. 

 If a landlord wants to raise more than that, they must apply for an Above Guideline Increase (AGI) via the Landlord and Tenant Board and justify it (e.g. for major capital expenses). 

4. What is the rental cap for 2025?
The cap or guideline—the maximum regular increase without special approval—is 2.5 % in Ontario for 2025. 

5. How much can a landlord increase rent for 2025?

• For protected units, up to 2.5% for a standard increase. 

• For increases beyond 2.5%, they must apply for an AGI. In certain cases (capital expenditures, security services) the Board may allow up to 3% above the guideline annually (i.e. guideline + 3%) for those specific reasons. 

• There is no fixed ceiling above the guideline for municipal tax increases—those may be considered “extraordinary” and can exceed the cap if approved.

In Ontario, the Residential Tenancies Act (RTA, 2006) is the cornerstone of landlord-tenant law. It defines what landlords and tenants may and may not do, and how disputes must be settled. If you’re a landlord or tenant (or both), knowing your rights and duties under the RTA can prevent costly mistakes, disputes, and potentially legal consequences. This guide breaks down the key parts you need to know.

1. What the RTA Covers & Why It Matters

• The RTA is a provincial law that regulates most residential tenancies in Ontario.

• It sets rules on rent, maintenance, entry, evictions, and many more foundational areas. 

• Some private agreements or “extra charges” are illegal even if written in a lease—those parts are void or unenforceable. 

2. What Is Illegal for Landlords to Do in Ontario

1. Harass, threaten, or interfere with a tenant’s quiet enjoyment
   
   

   • Landlords cannot harass a tenant or interfere with their reasonable enjoyment of the premises. 

   • Examples include repeated unwanted entry, verbal threats, or trying to pressure the tenant to move out. 

2. Enter a unit without proper notice (unless an emergency)
   
   

   • Except in emergencies, landlords must provide written notice at least 24 hours in advance and enter between 8 a.m. and 8 p.m. 

   • Entry must be for lawful reasons (repairs, inspection, showing unit, etc.).
     
     

3. Withhold vital services or interfere with their supply
   
   

   • Services such as heat, water, electricity, gas are “vital services.” Landlords may not withhold, reduce, or interfere with those. 

   • Doing so is an offence under the RTA.
     
     

4. Charge illegal or unauthorized fees
   
   

   • Landlords cannot impose extra fees not allowed or agreed under the RTA. 

   • For example: landlord taxes, general cleaning, arbitrary “maintenance” charges, or fees not in the lease may be illegal.
     
     

5. Evict without proper process or without LTB order
   
   

   • Landlords must follow the proper notice forms (N-series) and procedures. 

   • They can’t lock someone out or change locks without an eviction order enforced by the Sheriff. 

3. What Landlords Can Charge for Damages – Limits & Rules

• Tenants are responsible for damage beyond normal wear and tear, whether caused intentionally or by negligence. 

• The landlord must prove the damage and provide evidence (photos, receipts, repair quotes) when seeking compensation via the Landlord and Tenant Board (LTB).

• The RTA also requires that anyone claiming damages must take reasonable steps to minimize losses (i.e., you can’t let damage worsen and then charge everything).

• There is no fixed “maximum” set in the RTA for damages—amounts will depend on the actual cost and evidence.
  
  

4. Repair & Maintenance: Who Is Responsible for What?

Landlord’s Duties:

• Maintain the rental unit and all items the landlord provides, in a good state of repair. 

• Ensure the premises comply with health, safety, and housing standards.

• Respond to repair requests and address them within a reasonable time. 

Tenant’s Duties:

• Keep the unit reasonably clean and sanitary. 

• Repair or pay for repair of damage caused by themselves, guests, or co-occupants (beyond usual wear and tear). 

• Inform the landlord of needed repairs in a timely manner. 

5. How Long Does a Landlord Have to Fix Something in Ontario?

• The RTA itself does not specify exact time limits; it uses the term “reasonable time”. 

• What’s reasonable depends on urgency, the nature of the problem, and whether it affects health or safety. 

• For emergencies (burst pipe, no heat in winter, major electrical fault), landlords are expected to act immediately or nearly immediately.

• For non-urgent issues (a broken window, dripping faucet), it might be days to a couple of weeks, depending on circumstances.

• If repairs are delayed, tenants may file a T6 application at the LTB asking for orders or rent abatement. 

Final Summary

Ontario’s Residential Tenancies Act lays out a balanced framework between landlords and tenants. Landlords must respect tenants’ rights—no harassment, no illegal fees, proper notice for entry—and maintain properties in good repair. Tenants must pay rent, keep the unit clean, notify the landlord of needed repairs, and only be responsible for damage beyond normal wear. When disputes arise, evidence, documentation, and recourse through the Landlord and Tenant Board are essential. Understanding these rules helps both sides avoid conflict and ensures the tenancy runs smoothly.

Frequently Asked Questions

1. What is illegal for landlords to do in Ontario?

• Harass or threaten tenants or interfere with their peaceful enjoyment

• Enter the unit without proper notice or at improper times (except emergencies)

• Withhold vital services (heat, water, electricity, gas)

• Charge unauthorized or illegal fees

• Evict without following the proper legal process or without an eviction order
  

2. What is the most a landlord can charge for damages?
There’s no fixed cap. The landlord can charge for the actual costs of repair or replacement, supported by evidence, but must also minimize losses.

3. What repairs are tenants responsible for in Ontario?
Tenants must repair or pay for damage they (or their guests) cause beyond normal wear and tear. They also must notify the landlord of needed repairs.

4. How long does a landlord have to fix something in Ontario?
There’s no fixed timeline in the RTA—repairs must be done within a reasonable time. Urgent issues require prompt action; less urgent ones may take days to weeks depending on circumstances.

5. Can a landlord charge for damages in Ontario?
Yes—if damage is above normal wear and tear, and if they can prove it, a landlord may recover costs through the LTB or as part of termination proceedings.

Owning rental property comes with unique risks—from structural damage and liability claims to lost income when tenants can't occupy the unit. Standard home insurance often doesn’t cover these scenarios, leaving you exposed. Rental (landlord) property insurance safeguards your investment, giving you peace of mind and financial protection. Here’s why every landlord should make it a priority.

1. Protects Your Property from Major Risks

• Property Damage Coverage: Includes protection against fire, vandalism, storms, and other perils—not covered by standard home insurance.

• Includes building structures and any landlord-owned contents, not tenants’ belongings.

2. Liability Coverage for Injuries or Damages

• Covers legal liability if someone is injured on your property (common areas, entrance, etc.).

3. Loss of Rental Income Protection

• If your property becomes uninhabitable due to a covered loss (e.g., fire), this coverage helps recoup rent you’re unable to collect.

4. Includes Optional Add-ons

• Options like water damage, flood, sewer backup, or contents coverage for landlord-owned appliances can be added.

5. Costs Are Manageable and Tax-Deductible

• In Ontario, policies typically range from $800 to $2,500 per year for various property types.

• Canada-wide, basic coverage averages $40–80 per month (~$480–$960 per year), with median quotes around $1,325 a year.

• Landlord insurance premiums are often tax-deductible as rental expenses.
  
  

6. Commonly Required by Mortgage Lenders

• While not legally mandated, lenders often require landlord insurance before financing a rental property.

7. Avoids Gaps from Standard Home Insurance

• Standard homeowner policies don’t cover rental activities—landlord insurance fills that crucial coverage gap.

Final Summary

Rental property insurance is essential—covering property damage, liability claims, and loss of rental income. With affordable premiums and optional coverage additions, the protection far outweighs the cost. It’s not just a smart investment—it’s often required for financing and essential peace of mind.

Frequently Asked Questions

Q: How much is landlord insurance in Ontario?
Landlord insurance in Ontario typically costs between $800 and $2,500 per year, depending on property type—range includes condos, single-family homes, and multi-unit buildings.

Q: What is the best insurance for landlords?
The best landlord insurance provides coverage for property damage, liability, and rental income loss, plus optional add-ons like flood or sewer backup. Choose a provider offering customizable limits, transparent claims service, and solid reviews.

Q: How much is $300,000 in renters insurance?
Renters insurance coverage amounts like $300,000 refer to liability protection limits, not a cost. In Ontario, tenant (renters) insurance typically costs $15–$30 per month (about $180–$360/year).

Q: What is landlord insurance in Canada?
Landlord insurance is a specialized property and liability policy for rental owners. It covers structural damage, landlord-owned contents, legal liability, and lost rental income—not including tenants' personal items.

Q: Is landlord insurance mandatory in Ontario?
No, it is not legally mandatory in Ontario. However, mortgage lenders often require it, and it's highly recommended to protect your investment effectively.

When renting in Ontario, it's essential to know your rights around deposits. While some types of deposits are commonly requested (like key deposits), Ontario law strictly limits what landlords can legally collect. Here's a clear breakdown of how key deposits work—and what’s lawful.

1. Legal Status of Key Deposits in Ontario

• Yes, key deposits are legal—but only under strict conditions. They must be refundable and not exceed the actual cost to replace the keys or fobs.

• These rules are backed by the Residential Tenancies Act, 2006 and Ontario regulations.

• If locks are changed by the landlord, tenants should not be charged for new keys, though landlords may keep the original deposit as credit.

2. Maximum Key Deposit Allowed

• The maximum key deposit is strictly the actual or expected cost of replacing the key, card, or fob.

• Landlords are required to provide receipts or evidence of the replacement cost if requested.

3. Are “Key Money” or Other Extra Deposits Legal?

• No, "key money" or any deposit beyond covering key replacement costs is not legal in Ontario.

• Deposits for damages, pets, cleaning, or utilities are explicitly illegal.

4. Maximum "Cash for Keys"

• The only “cash for keys” amount permitted is that which equals the key replacement cost—nothing more. Any variation or inflation of that amount is not permitted.

5. Purpose of a Key Deposit

• It acts as security to ensure tenants return all keys and access devices at the end of tenancy.

• If keys are not returned, the deposit can be used to cover the actual replacement cost only.

• The deposit must be returned promptly—typically within a few business days (often 5–10 days)—once keys are returned.
  
  

Final Summary

Key deposits in Ontario are allowed—but only when they are:

1. Refundable

2. Equal to or less than the actual cost of replacement

3. Promptly refunded once all keys/devices are returned

Any extra deposits—for damage, pets, cleaning, or utilities—are illegal. If your landlord refuses to return your key deposit or overcharges, you can apply to the Landlord and Tenant Board (Form T1) for resolution.

Frequently Asked Questions

1. What is the maximum key deposit in Ontario?
It must not exceed the actual replacement cost of keys, fobs, or remotes—and proof or receipts may be requested.

2. Is key money legal in Ontario?
No—any extra "key money" beyond replacement cost is not legal. Only key deposit is allowed, solely for replacing keys.

3. What is the maximum "cash for keys"?
Same as key deposit—it must align with replacement cost only, not inflated for any other purpose.

4. What is the point of a key deposit?
It ensures tenants return all keys/access devices and covers legitimate replacement costs if they don’t. Once keys are returned, the deposit must be promptly refunded

When renting out a condo, one of the most common questions landlords (and some tenants!) ask is: who’s responsible for condo fees? Although this might appear straightforward, it’s a nuanced topic—especially here in Ontario. Let's clarify who pays what, how it impacts your taxes, and whether these fees are truly "worth it.

1. Condo Fees Are the Landlord’s Responsibility by Default

• By default, condo fees are tied to ownership—not tenancy. That means the unit owner (landlord) is responsible for paying these fees directly to the condo corporation. 

• That said, landlords typically account for these fees when setting rent—so tenants often indirectly cover them through higher rent.

• In rare cases, the lease may require tenants to pay condo fees directly—but this must be explicitly stated in the agreement. It’s uncommon and often not advisable for landlords. 

2. What Condo Fees Actually Cover

• Condo fees fund common-element upkeep, operations, reserve funds, and services such as lobby maintenance, elevators, gyms, and cleaning. 

• Importantly, condo fees do not include property taxes, which are billed separately by the municipality. 

3. Rent vs. Condo Fees: How They’re Handled

• In most leases, you’ll see an “all-in rent” price rather than a line item for condo fees. That’s because landlords bake fees into the rent to ensure they remain covered. 

• Tenants rarely pay condo fees directly—unless specified by the lease. Even then, as an Ontario renter cautioned:
  
  “Depends on the landlord, but I’d say it’s atypical to have the renter pay the condo fees. Condo fees should just result in up-charged rent.”
  

4. Tax Considerations: Condo Fees as Deductions

• When you live in the condo as your principal residence, condo fees are not tax deductible—they’re considered a personal expense. 

• However, if you rent out the condo, you can deduct condo fees as allowable rental expenses. You’re allowed to deduct your share of fees related to maintenance, repairs, and common property upkeep. 

• The CRA also categorizes this under “rental expenses,” particularly maintenance or management/admin fees. 

5. Are Condo Fees Worth It?

• While they add cost, condo fees often include valuable services: building maintenance, amenities, and contributions to emergency reserve funds. These perks can enhance tenant appeal and justify higher rent. 

• But it’s important to weigh the total cost—factoring in condo fees, taxes, insurance, and utilities—when evaluating property profitability.
  
  

Final Summary

In Ontario, condo fees are primarily the landlord’s obligation—but they’re often recouped through rent. Tenants usually don’t pay them separately unless the lease explicitly states otherwise. For tax purposes, owners renting out the condo can deduct condo fees as rental expenses, while owner-occupied units offer no such tax benefit. Ultimately, condo fees often reflect amenities and protections, and whether they’re “worth it” depends on your rental strategy and financial goals.

Frequently Asked Questions

1. Does rent include condo fees?
Typically, yes—rent often includes condo fees indirectly. Landlords factor fees into the rent, so tenants usually don’t pay them separately, unless the lease explicitly assigns responsibility. 

2. Do renters pay condo fees in Ontario?
Not usually. The landlord or owner pays them. Rent may be adjusted to offset fees, but tenants paying them directly is rare, and must be clearly outlined in the lease. 

3. Can you claim condo fees on your income tax in Ontario?

• Owner-occupied: No—you can’t deduct condo fees as a personal expense. 

• Rental property: Yes—condo fees related to maintenance and common expenses are deductible as rental expenses. 

4. Are condo fees worth it?
They cover valuable amenities—maintenance, management, and reserve funding—that can make your property attractive and better maintained. Whether they’re “worth it” depends on balancing cost versus benefit in rental income and property upkeep.

Renting to a family member can feel convenient—but it can also get tricky when boundaries blur. Understanding both your legal and emotional responsibilities upfront is key. Here’s what to consider before a loved one moves in, especially in Ontario.

1. Understand Your Legal Status

• Whether or not you have a written lease, a tenancy may be established once payment is exchanged and the occupant moves in.

• If shared spaces (like kitchen or bathroom) are used jointly, Ontario's Residential Tenancies Act (RTA) may not apply—meaning eviction may be simpler.
  
  

  • “If they share a kitchen and bathroom with you… your tenancy is probably not governed by the Residential Tenancies Act.”
    

2. When the RTA Applies

• If the family member uses a standalone unit—even informally—Ontario courts may treat them as a tenant under RTA.
  

• To evict legally, you must:

  • Serve the proper eviction notice (e.g., N-series)

  • Apply to the Landlord and Tenant Board (LTB)

  • Attend a hearing

  • Secure and enforce an eviction order via the Sheriff—you cannot lock someone out yourself

3. Communication and Mediation First

• Always start with a respectful conversation. If this doesn’t help, move to a written notice to keep things formal and clear.

• Voluntary mediation via LTB is an option before formal eviction proceedings begin.
  

4. Family Matters: No Lease ≠ No Rights

• Without a formal lease, the situation is still sensitive. Family members occupying the space may gain tenant rights if they’re treated as tenants.

• If eviction becomes necessary, courts—and LTB—may still require formal processes if RTA applies.
  

5. If They Live With You: “Tenant at Will”

• Adult children or close family living with you are often considered "tenants at will"—neither formal nor protected by RTA.

• You can begin eviction via a demand letter or notice to vacate—consult a lawyer for proper steps. In refusal cases, police or trespassing charges may follow.
  

Final Summary

Renting to family in Ontario navigates a gray zone. If shared spaces are involved, RTA may not apply—simplifying eviction. But if they occupy a separate space and you accept rent or other consideration, the RTA likely governs the arrangement. Always start with open communication and mediation. If needed, proceed with proper legal notice, LTB application, and enforcement by the Sheriff. And when in doubt—especially with emotionally sensitive situations—seek legal advice early.

Frequently Asked Questions

1. How do I evict a family member with no lease in Ontario?

• If shared living space applies, RTA may not cover the situation. You’ll likely just need to give reasonable notice and, if needed, escalate—potentially even involving police if they won’t leave.

• If RTA does apply (separate space, tenancy established), deliver the proper eviction notice, apply to the LTB, and follow through with LTB proceedings and Sheriff enforcement.

2. Can you kick a tenant out for family?

• Only if the family member qualifies under RTA—such as a spouse, child, parent, or caregiver—and you follow the N12 process. This includes 60 days’ notice, proper form, compensation (usually one month’s rent), and LTB hearing if contested.

• Extended relatives (e.g. nephew) don’t qualify.

3. How to evict someone renting a room in your house in Ontario?

• If they share your kitchen/bathroom, the RTA likely doesn’t apply. Just give reasonable notice to vacate—no formal eviction process often needed.

• If they’re treated like a tenant (separate living area, paying rent), follow legal process: notice, LTB application, hearing, and Sheriff-enforced eviction

Navigating Ontario’s tenant laws can feel like a maze—but it's vital for landlords to stay informed to maintain compliance and foster positive landlord-tenant relationships. From understanding tenant rights and entry rules to proper eviction procedures, this guide breaks down the essentials for landlords in Ontario.

1. Tenant Rights in Ontario

• Non-discrimination: Landlords must not refuse tenancy based on race, religion, family status, disability, or other protected grounds under the Human Rights Code.

• Habitable Living Conditions: The rental must be safe and in good repair, regardless of whether the tenant was aware of issues at move-in. 

• Privacy and Quiet Enjoyment: Tenants are entitled to peaceful living and protection from harassment—including excessive entry or unauthorized surveillance. 

2. Are Overnight Guest Restrictions Allowed?

No. Landlords cannot prohibit overnight guests arbitrarily, as doing so may violate tenants' rights to reasonable enjoyment of their home. Such restrictions could be seen as unreasonable interference. 

3. Grounds for Eviction in Ontario

Landlords must follow legal grounds defined by the RTA to evict, including:

• Non-payment of rent

• Damage to the property

• Illegal activities or representations

• Too many occupants or disturbing other tenants

• Landlord or family needing the property (using Form N12 with 60-day notice) 

4. Notice Required for Ending Tenancy

• Month-to-month or longer leases: At least 60 days’ written notice, ending on last day of rental term. 

• Weekly or daily tenancies: 28 days’ notice required. 

5. How Long Do Evictions Typically Take?

Evicting a tenant legally can take time—typically 85–138 days, and up to around 168 days if enforcement by the sheriff is needed. 

6. Landlord & Tenant Board (LTB) Basics

• The LTB is Ontario’s adjudicative body for landlord-tenant disputes, including eviction applications. A landlord cannot evict without an LTB hearing and order. 

• The Residential Tenancies Act (RTA) governs all landlord-tenant interactions, including eviction reasons, rent rules, and tribunal procedures. 

Final Summary

As a landlord in Ontario, it's crucial to respect tenant rights—ensuring safety, privacy, and non-discriminatory practices—while adhering closely to legal guidelines for eviction, notice periods, and tribunal agreements. Understanding the RTA and LTB processes will help protect your investment, prevent disputes, and support professional, lawful landlord practices.

Frequently Asked Questions

Q: What are the tenant's rights in Ontario?
Tenants are protected under the RTA and Human Rights Code. They have the right to a non-discriminatory, safe and well-maintained home, peaceful enjoyment, and protection from harassment and privacy violations by landlords. 

Q: Can a landlord say no overnight guests in Ontario?
No—landlords cannot forbid overnight guests if it unreasonably interferes with the tenant's reasonable enjoyment of the property. Such restrictions may be against the law. 

Q: On what grounds can a landlord evict a tenant in Ontario?
Legal grounds include non-payment of rent, property damage, illegal activity or misrepresentation, overcrowding or disturbances, or personal landlord use (via Form N12 with 60 days’ notice).

Q: How much notice does a landlord have to give a tenant in Ontario?

• 60 days for monthly or longer tenancies (ending on last day of rental period).

• 28 days for weekly or daily tenancies.

Q: How long does it take to evict a tenant in Ontario?
Eviction typically takes 85–138 days from notice to order, and up to around 168 days if sheriff enforcement is required.

Screening tenants effectively is crucial for landlords to ensure reliable, responsible occupants and protect their investment. A thorough and compliant screening process helps minimize risks such as late payments, property damage, and legal disputes. This guide outlines a step-by-step approach to tenant screening, tailored for landlords in Canada.

1. Define Your Ideal Tenant Criteria

• Income-to-Rent Ratio: Ensure tenants' income is sufficient to cover rent and living expenses.

• Rental History: Look for tenants with a positive rental history, including timely payments and proper property maintenance.

• Credit Score: Establish a minimum acceptable credit score to gauge financial reliability.

• Background Check: Consider criminal and eviction history, where legally permissible.

2. Advertise Clearly and Transparently

• Detailed Listings: Include comprehensive information about the property, rent, amenities, and application process.

• Highlight Criteria: Clearly state your tenant requirements to attract suitable applicants.

3. Implement a Standardized Application Process

• Application Form: Use a consistent application form to collect necessary information.

• Consent for Checks: Obtain written consent to perform credit and background checks.

4. Verify Tenant Information Thoroughly

• Identity Verification: Request government-issued ID to confirm identity.

• Employment and Income: Obtain recent pay stubs or employment letters to verify income.

• Rental History: Contact previous landlords to assess past tenancy behavior.

5. Conduct Credit and Background Checks

• Credit Report: Analyze the applicant's credit history to assess financial responsibility.

• Criminal Background: Where permitted, check for any criminal history.

• Eviction History: Review past evictions to gauge potential risks.

6. Evaluate Affordability and Stability

• Rent-to-Income Ratio: Ensure the tenant's income supports the rent and other living expenses.

• Employment Stability: Look for consistent employment history to predict future income reliability.

7. Interview Potential Tenants

• Personal Interaction: Meet the applicant to assess communication skills and reliability.

• Clarify Expectations: Discuss lease terms, responsibilities, and expectations to ensure mutual understanding.

8. Make an Informed Decision

• Comprehensive Assessment: Combine all gathered information to evaluate the applicant's suitability.

• Legal Compliance: Ensure all screening practices adhere to Canadian tenant laws and human rights regulations.

Final Summary

Implementing a thorough and systematic tenant screening process is essential for landlords to secure reliable tenants and protect their property. By defining clear criteria, advertising transparently, verifying information, conducting necessary checks, and making informed decisions, landlords can minimize risks and foster positive landlord-tenant relationships.

Frequently Asked Questions

Q: How to screen tenants in Canada?
Screening tenants in Canada involves defining clear criteria, advertising transparently, obtaining standardized applications with consent for necessary checks, verifying tenant information, conducting credit and background checks, evaluating affordability and stability, interviewing potential tenants, and making informed decisions in compliance with Canadian laws.

Q: When a landlord does a credit check, what are they looking for?
Landlords typically look for a credit score that indicates financial reliability, a history of timely payments, and minimal outstanding debts. They may also assess the applicant's debt-to-income ratio and any past bankruptcies or collections.

Q: What not to say to your landlord?
Avoid making excuses for late payments, requesting informal changes to lease terms, or making vague promises. Always communicate professionally and adhere to the terms of your lease agreement.

Ah, the life of a Toronto landlord. One minute you’re approving a tenant application, and the next, you’re answering a text at 2 AM about a “suspicious noise” in the fridge. Whether you’re a seasoned pro or just stepping into the rental world, managing a property in the GTA comes with its fair share of quirks, rules, and unexpected adventures.

1. The Art of Finding (and Keeping) a Great Tenant

Tenant screening is like online dating—except instead of looking for a “good sense of humor,” you’re searching for on-time payments and responsible living habits. A strong ID verification process and proper documentation can help ensure you’re welcoming reliable renters into your unit.

🔹 Pro Tip: Never skip the background checks. If an applicant rushes through the process or avoids questions, that’s a 🚩 red flag.

2. Rental Agreements: Read the Fine Print (And Then Read It Again)

Ontario has a standard lease agreement, and as tempting as it is to use an old PDF you found online, sticking to the official form is your safest bet. This document covers all essential terms, including rent, responsibilities, and rights—protecting both you and your tenant.

🔹 Landlord Tip: Ensure tenants understand what’s included in their rent (utilities? parking? that questionable basement storage?). The fewer surprises, the smoother your landlord-tenant relationship.

3. Rent Collection: The Never-Ending Saga

Ah, rent day—the moment of truth. While most tenants pay on time, there’s always that one person who suddenly “forgot” it was the 1st of the month. Offering multiple payment methods (e-transfer, post-dated checks, or pre-authorized payments) can help ensure smooth transactions.

🔹 What You CAN Do: If rent is late, issue an N4 notice promptly. Ontario has clear rules on rent collection, and knowing them is half the battle.

🔹 What You CAN’T Do: Change the locks or remove a tenant’s belongings (unless you enjoy legal troubles).

4. Repairs & Maintenance: When the “DIY” Mindset Backfires

A leaky faucet? Sure, maybe you can fix that. A full electrical issue? That’s a job for the pros. As a landlord, regular maintenance and quick response times can prevent minor issues from becoming full-blown disasters.

🔹 Must-Know: Tenants have the right to a safe and livable space, which means you’re responsible for essential repairs. If something breaks due to wear and tear, it’s on you to fix it—not the tenant.

5. Tenant Turnover: Saying Goodbye (The Right Way)

Eventually, tenants move out, and when they do, a smooth transition is key. Clear move-out instructions, a proper final walkthrough, and addressing any issues before they leave can save you time and hassle.

🔹 Avoid Common Pitfalls:

✅ Confirm the required notice period (typically 60 days for a monthly lease).

✅ Document the condition of the unit before and after the tenancy.

✅ Remind tenants to return the keys—you’d be surprised how often this is forgotten.

Final Thoughts

Being a landlord in Toronto isn’t always easy, but with the right knowledge (and a little patience), it can be a rewarding experience. From finding the right tenants to understanding rental laws, staying informed and proactive can make all the difference.

And remember—no matter how prepared you are, something unexpected will always happen. Welcome to the world of Toronto landlording! 🚪🔑