| 1. Architecture, Specification & Rent Roll | |
|---|---|
| Architectural Design & Layout | 3-Storey Back-to-Back (4× 2B + 4× 3B) |
| CMHC Scoring Qualification | 50 Energy + 50 Afford = 100 Pts (Tier 3) |
| Energy Envelope Package | Deep Passive Envelope + ccASHP Spec |
| Affordable Units Committed (20 Yrs) | 1 Unit (12.5% @ $1,500/mo) |
| 4× 3-Bedroom Units (w/ Garage) | $2,400 / mo ($9,600 / mo total) |
| 3× 2-Bedroom Units (w/ Garage) | $2,200 / mo ($6,600 / mo total) |
| 1× 2-Bedroom Affordable Unit (20 Yrs) | $1,500 / mo |
| Gross Potential Income (GPI) | $212,400 / yr ($17,700 / mo) |
| 2. Acquisition Basis & Capital Stack (95% LTV · 50-Yr Amort) | |
|---|---|
| Gross Turnkey Acquisition Price | $3,440,000 ($430K avg) |
| 5.0% Equity Down Payment | $172,000 |
| Base CMHC Mortgage (95.0% LTV) | $3,268,000 |
| CMHC Loan Insurance Premium (4.0% Capitalized) | +$130,720 |
| Total Funded Commercial Debt | $3,398,720 |
| Financing Terms & Rate | 5-Yr Fixed · 50-Yr Amort @ 3.45% |
| Estimated Transaction & Closing Outlays | $102,907 |
| Total Cash Required to Close (All-In) | $274,907 |
| 100% Net HST Rebated (PBRH + NRRPR Exemption) | $447,200 ($0 Net HST ✓) |
| 3. Operating Pro-Forma & Debt Service | |
|---|---|
| Effective Gross Income (7.5% Vacancy Allowance) | $196,470 / yr |
| Operating Expenses (Insurance, Repairs, Reserve, 3.5% Mgmt) | −$26,876 / yr |
| 10-Year Municipal TIEG Tax Grant | +$8,000 / yr (100% Tax Offset ✓) |
| Net Operating Income (NOI with TIEG) | $169,594 / yr (4.93% Cap Rate) |
| Annual Debt Service (50-Yr Amortization @ 3.45%) | −$142,754 / yr ($11,896 / mo) |
| Year 1 Net Operating Cash Flow | +$26,840 / yr (+$2,237 / mo) |
| Debt Service Coverage Ratio (DSCR) | 1.188x DSCR (CMHC Compliant) |
| 4. 5-Year Wealth Creation & Investment Returns | |
|---|---|
| 5-Year Cumulative Net Cash Flow (Distributions) | +$164,056 |
| 5-Year Mortgage Principal Paydown (Tenant-Funded) | +$138,929 |
| 5-Year Asset Appreciation (3.0% Compound / Year) | +$547,903 |
| 5-Year Net Wealth Created (Gain over Cash In) | +$850,888 |
| 5-Year Levered Hold IRR (Equity Multiple) | 29.8% Hold IRR (3.10x EM) |
Strategic Investment Advantage · Cold Creek 3-Storey Block
• Unrivaled Acquisition Basis ($430K/unit): Fully finished new-build multi-res townhomes with attached garages.
• Zero Natural Gas Liability: 100% all-electric cold-climate heat pump design provides tenants with $215–$275/mo savings over older rentals.
• Turnkey Execution: Backed by Port Picton Homes 35-year master builder legacy and RE/MAX Quinte full tenant pre-leasing.
• Zero Natural Gas Liability: 100% all-electric cold-climate heat pump design provides tenants with $215–$275/mo savings over older rentals.
• Turnkey Execution: Backed by Port Picton Homes 35-year master builder legacy and RE/MAX Quinte full tenant pre-leasing.