Sell your income properties for retirement — stop managing, cash out
After years of managing, the time has come to enjoy your retirement. ImmoMulti buys your property — or your entire portfolio — directly and all at once. No more late-night calls, repairs, tenants or bookkeeping: you receive a priced offer within 48 h and turn the page, while optimizing your tax bill.
Duplex · Triplex · Quadruplex · Plex · Portfolios · Rive-Nord · Laurentides · Grand Montréal
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You've given enough. It's time to hang it up.
Managing income properties is a full-time job that never stops. In retirement, many owners realize they want the capital without the headaches. Here is what disappears the day you sell to us.
Late-night calls
No more water damage at 2 a.m., heating breakdowns in January or a tenant crisis on Sunday evening. Your phone is yours again.
Repairs and maintenance
Roofing, plumbing, electrical, snow removal, hard-to-find contractors — all of that stops being your problem. We buy the building as-is, including any pending work.
Tenant management
Leases, renewals, late rent, Rental Housing Tribunal (TAL), finding new tenants. We take over everyone, with leases in place.
Bookkeeping and tax filings
Income, expenses, CCA (depreciation), annual tax returns — the paperwork burden of a property portfolio lifts the moment you sell and move to a simpler income.
Your time, given back
Travel, family, projects — the capital tied up in your buildings becomes free time and liquidity. That is what retiring as a landlord really means.
One point of contact
From the first call to the notary, you deal with one person. No agency, no open houses, no endless email chains.
The properties and portfolios we buy
ImmoMulti is above all a buyer: our business is to acquire and hold quality income properties in Québec — on the Rive-Nord, in the Laurentians and in Greater Montréal. From a small plex to a full retirement portfolio, here is what we are actively looking for — regardless of condition.
Duplex & triplex
Often the first property bought twenty or thirty years ago. We buy your duplex and triplex, occupied or vacant, anywhere in Québec.
Quadruplex & quintuplex
Highly sought-after formats that are perfect for our long-term hold strategy. A quadruplex or quintuplex always interests us.
Plex & small multi-units
6-plex, 8-plex, 10-plex, 12-plex — our sweet spot. These buildings generate stable income and we move fast, with no intermediary.
Large multi-unit buildings
We have the financial capacity to acquire large buildings. The bigger the building, the more interested we are — an advantage when you want to sell everything at once.
Full portfolios
Do you own two, three or ten properties accumulated over a career? We buy the whole lot in a single transaction with a coordinated closing — the simplest way to liquidate everything for retirement.
Tired buildings
Below-market rents, deferred maintenance, management that has become too heavy with age? That is exactly the kind of building we love to acquire. No renovations required on your end.
Our priority is to acquire quality income properties in Québec — regardless of size, condition or your situation: tenants in place, multiple properties to consolidate, an upcoming estate or simply a need to stop managing. Describe your portfolio and we'll get back to you within 48 h.
Why a direct buyer pays you more
When it comes time to sell for retirement, three types of buyers show up. The highest offer on paper is almost never the amount you actually pocket. Here is the difference between the listed price and the final price.
- Inflated offer up front (~2 050 000 $), reduced after inspection
- Must fund 50,000–80,000 $/unit in renovations plus a resale margin
- Aggressive negotiation right up to signing
- 90 to 120-day timeline, final price tied to their appraisal
- Heavy process, multiple contacts
- Rarely interested in taking on a small portfolio all at once
- We hold for 10–20 years: no flip margin to fund
- Stable offer, no renegotiation after signing
- Zero commission + tailored tax structure = more in your pocket
Illustrative example based on typical gaps (≈ 8% more than a flipper, ≈ 3% more than a fund). The actual price depends on your property's income, expenses and condition — calculate it below.
Selling smart also means paying less tax
Selling an income property triggers a capital gain (half of the gain is taxable, federal and Québec) as well as recaptured CCA (depreciation) you deducted over the years. For a retiree, receiving all of that gain in a single year can push up your marginal rate. Good news: a well-structured sale often allows you to spread the bill over time.
The capital gains reserve, explained simply
When you do not receive the full sale price in the same year — for example because part is financed through a vendor take-back (VTB) — the tax rules allow you to use a capital gains reserve. In practice, you spread the taxable gain over a maximum of five years, recognizing at least 20% of the gain each year.
For an owner heading into retirement, this is a powerful tool: instead of a large gain taxed all at once at your top rate, you smooth the tax over several years when your overall income is often lower. You simply keep more net.
Cashing out for retirement without getting crushed by taxes
Most owners who call us want the same thing: convert years of managing into retirement capital as tax-efficiently as possible. A plain all-cash sale often means a fully taxable capital gain in the same year, on top of CCA recapture. By dealing directly with the buyer, we can instead build a transaction that fits your plan: a chosen closing date, a vendor take-back (VTB) to defer part of the proceeds, and a capital gains reserve to spread the tax.
We are neither accountants nor tax advisors, and we never give personalized tax advice. But we regularly structure sales in collaboration with your accountant, tax advisor and notary so that the structure you choose with them is feasible on the buyer's side. The goal: that you keep as much as possible in your pocket to enjoy your retirement.
Custom deal structures for your retirement
A plain all-cash sale leaves little room to manoeuvre. By dealing directly with the buyer, we can build a tailor-made transaction — often more advantageous than a traditional sale, designed to generate retirement income while optimizing your tax bill.
Spread capital gains over 5 years
By spreading the proceeds over several years (using the capital gains reserve), you can spread your taxable gain over a maximum of five years and reduce your marginal rate — ideal when moving from active income to retirement income.
Vendor take-back = retirement income
You finance part of the sale and receive interest on that balance. A vendor take-back (VTB) converts a portion of your property into a regular passive income, with no management whatsoever — and makes it easier to spread the tax.
Sell the entire portfolio at once
Rather than selling your properties one by one over months, we buy your entire portfolio in a single transaction with a coordinated closing. You stop all management in one shot and simplify your tax planning.
Close on your schedule, with your advisors
We work with you, your accountant and your notary to set the timing, VTB and closing date — including spanning two tax years — to reduce the tax bill and maximize your net proceeds.
These strategies depend on your situation and are always validated with your own advisors (accountant, tax advisor, notary). ImmoMulti does not provide tax or legal advice — this information is provided for general guidance only and does not replace the advice of a professional.
Selling to ImmoMulti for retirement is simple and rewarding
Everything that complicates a traditional sale disappears. You deal with a single contact from the first call to the notary — stress-free, on your schedule.
No commission
No broker, so no 4% to 7% commission. On a $2,000,000 portfolio, that's up to $120,000 that stays with you for retirement.
Firm offer within 48 h
You send us your numbers, we give you a priced proposal within two days. Notary closing in 30 to 45 days, or later if you prefer.
Completely confidential
No sign, no Centris listing, no rumours. Your tenants and neighbours know nothing until you decide.
Price that doesn't move
The accepted offer is the price paid. No surprise renegotiation after the inspection, no last-minute drop that derails your retirement plan.
Sold as-is
No renovations, no home staging, no open houses. We buy your property in its current condition — with tenants and pending work included.
Québec-based buyer
We know the Rive-Nord, the Laurentians and Greater Montréal. Guaranteed financing, a local contact, a straightforward relationship from start to finish.
How much a brokerage commission would cost you
Slide to your estimated sale price for your property or portfolio. See what a broker would take — and everything you keep for retirement by selling directly to ImmoMulti.
Estimate based on a brokerage commission of 5% + GST/QST (14.975%) on the commission. Commissions are negotiable and vary (often 4% to 7%). For illustrative purposes only.
A portfolio built over 30 years, liquidated in a single transaction
Many owners reach retirement with multiple properties accumulated over a career — a duplex here, a 6-plex there, a quadruplex picked up along the way. Selling them one by one means months of listings, showings and repeated negotiations, multiplied by the number of properties.
ImmoMulti buys your entire portfolio at once: a single offer, a coordinated notary closing, and all management stops on the same day. It is also simpler from a tax standpoint — one file to coordinate with your accountant rather than a string of sales spread randomly across the market.
Direct buyer of income properties for retiring owners — in Québec
Wondering who buys income properties when you want to retire and stop managing rentals? ImmoMulti is a direct buyer: we buy your plex, duplex, triplex, quadruplex, large multi-unit or full portfolio with no broker and no commission, anywhere on the Rive-Nord, in the Laurentians and in Greater Montréal. No agency, no sign, no Centris listing, and no 4% to 7% brokerage fee to pay.
Whether you want to sell your properties for retirement, cash out without the management headaches or optimize the tax on your sale, you deal directly with the buyer. Since we hold properties long term, we buy with your tenants in place — you don't need to evict anyone or renovate. A priced purchase offer within 48 h, a 100% confidential transaction, structures such as a vendor take-back (VTB) and capital gains spreading, and a notary closing on the date that best serves your retirement plan.
From first info to closing, in 6 steps
An off-market sale is discreet and simple: no sign, no Centris listing, no open houses. Here is exactly how we buy your property or portfolio, from first contact to the notary — at your retirement pace.
We receive your information
You send us the basics: number of properties, locations, units, income and expenses, current leases. No visit, nothing public — everything stays strictly confidential from the start.
Analysis within 48 hours
Our team evaluates the actual net income of each property and the potential of the whole portfolio. Since we buy to hold long term, we aim for real value — not a flipper's lowball price.
We send you an offer
You receive a written and priced purchase offer, clear and no obligation, for one property or your entire portfolio. Off-market, so completely discreet.
Structure & accepted offer
We structure the offer to match your goal (VTB, gain spreading, closing date) with you and your advisors. The accepted price is the price paid — no surprise renegotiation.
Financing
We handle financing, and our buying capacity is already confirmed (down payments and banking relationships established). No revocable financing condition that causes the sale to fall apart at the last minute.
Notary & end of management
We finalize at the notary: transfer official, your funds disbursed. We take over the tenants and leases. Management stops for you that very day — welcome to retirement.
Selling income properties for retirement — your answers
Selling a rental property triggers a capital gain (half of the gain is taxable, federal + Québec) and CCA recapture deducted over the years. Several strategies can reduce the tax bill in retirement: spreading the gain over multiple years using the capital gains reserve, structuring a vendor take-back (VTB) to defer part of the proceeds, choosing a year when your overall income is lower, and coordinating the sale with your RRSP, TFSA and pension. Every situation is unique: we work with you and your accountant or tax advisor, but we do not provide personalized tax advice. See also our page on the tax implications of a sale.
The capital gains reserve lets you avoid being taxed all at once when you do not receive the full price in the same year. By financing part of the sale through a vendor take-back (VTB), you can spread the taxable gain over a maximum of five years, with at least 20% of the gain recognized each year. The result: you more often stay in a lower tax bracket and keep more net rather than absorbing a large gain in a single year. It is a strategy to validate with your tax advisor, but a direct sale lends itself particularly well to this structure.
Yes. With a vendor take-back (VTB), you finance a portion of the price and the buyer pays you interest on that balance. You convert part of your property's value into a regular interest income without managing tenants, repairs or bookkeeping. It is a way to keep an income after the sale — often at a favourable rate — while freeing up the rest of your capital. The terms (amount, rate, term, security) are set with you, your notary and your advisors.
Yes, and that is actually what we look for. Many retiring owners hold two, three or more properties accumulated over the years. Rather than selling them one by one over months, we buy your entire portfolio at once with a single offer and a coordinated closing. You stop all management in one shot, simplify your tax planning and turn the page in a single transaction.
Yes. Without the management burden, you can maintain an income in several ways: the vendor take-back (VTB) provides regular interest; the proceeds can be invested to match your profile; and spreading the capital gain over a few years stabilizes your cash flow and tax bill. The goal is to replace the net income (and the stress) from your properties with a simpler, more predictable retirement income. Investing the capital is your financial planner's domain; we structure the sale to leave you the most options possible.
You receive a priced offer within 48 h of sending us your numbers. If it works for you, the notary closing typically happens in 30 to 45 days — or later if you prefer to spread the date for tax reasons. At closing, we take over the tenants, leases, repairs and bookkeeping: management stops for you that very day. That is much faster than a traditional listing, which often drags on for 3 to 6 months per property.
No. We buy as-is, with tenants and leases in place. No home staging, no renovations, no open houses. After years of managing, that is often a relief: you simply need to gather the leases and the revenue and expense figures for the past 12 months for each property. Below-market rents, deferred maintenance or a tired building are not obstacles — that is exactly the type of portfolio we hold long term.
The analysis of your portfolio and our purchase offer are 100% free, confidential and no obligation. Since you sell directly to the buyer, there is no brokerage commission (saving 4% to 7%). On a $2,000,000 portfolio, that is up to $120,000 that stays in your pocket for retirement. Only the notary, mandatory in Québec to officialize the transfer, remains to be arranged — their fees are modest compared to a commission.
Receive your offer and plan your exit from managing
Thinking of selling your income properties to enjoy your retirement — quickly, discreetly, with no brokerage fees and with tax planning? Talk to our team. No obligation.
Send us a message — we'll get back to you within 48 h, no obligation.
Send us a message →Confidential · No commitment · No fees
Ready to hang it up and enjoy your retirement?
Receive a priced purchase offer within 48 h for one property or your entire portfolio. No brokerage fees, no obligation, complete confidentiality — anywhere in Québec, from the Rive-Nord to Greater Montréal.
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