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We have checked the obvious purchase costs and discussed the uncertainty with our adviser. What remains unclear is how the two options behave once routine ownership turns into actual maintenance. One is a 1,830 sq ft new-build flat in Montreal; the other is a similarly priced duplex. The flat...

A poor choice here could mean carrying expensive ownership costs and then selling just as I need to relocate. A comparable Montreal apartment is around C$668,200, and its interest, property tax, maintenance and association dues would put the monthly outlay well above my current rent. I am...