Sutherland's older housing stock, a formerly independent town later brought into Saskatoon, means mechanical systems, roofing and suite finishes vary widely from one property to the next, so Joel walks the property rather than relying on a public assessment file that only records what was permitted.
He confirms whether any secondary suite is legal before it counts toward the projected income, because the Residential Tenancies Act, 2006 governs the lease but only a permitted unit satisfies a lender's underwriting, and an unpermitted suite can quietly remove financing options a buyer was counting on.
That walk-through and permit check is what turns a public listing price into a number an investor can actually rely on. Get your hand-reviewed valuation from Joel Dyck.