Saskatoon's zoning bylaw treats a secondary suite inside the main house and a garden suite in the back yard as separate categories, and owner-occupancy expectations can differ between the two and between districts. Confirming this before you plan a build matters more than confirming it before you plan to rent.
The City of Saskatoon's planning branch can tell you what applies to your specific lot before you spend anything on the design, and in 2026 that confirmation still needs to happen alongside the building permit conversation, not after construction starts.
An investor buying specifically for a non-owner-occupied suite should verify this before making an offer, not after closing. Get your hand-reviewed valuation from Joel Dyck.