| 1. Architecture, Specification & Rent Roll | |
|---|---|
| Architectural Design & Layout | 2-Storey + Basement + Attached Garage (8× 3B/2.5B) |
| CMHC Scoring Qualification | 50 Energy + 50 Afford = 100 Pts (Tier 3) |
| Energy Envelope Package | +5% CMHC Passive Spec (+$171K Block Upgrade) |
| Affordable Units Committed (20 Yrs) | 1 Unit (12.5% @ $1,500/mo) |
| 7× 3-Bedroom Freehold Units (w/ Garage) | $2,450 / mo ($17,150 / mo total) |
| 1× 3-Bedroom Affordable Unit (20 Yrs) | $1,500 / mo |
| Private Parking Capacity | 16 Stalls (8 Garages + 8 Driveways) |
| Gross Potential Income (GPI) | $223,800 / yr ($18,650 / mo) |
| 2. Acquisition Basis & Capital Stack (95% LTV · 50-Yr Amort) | |
|---|---|
| Gross Turnkey Acquisition Price | $3,591,000 (2 End @ $456.75K + 6 In @ $446.25K) |
| 5.0% Equity Down Payment | $179,550 |
| Base CMHC Mortgage (95.0% LTV) | $3,411,450 |
| CMHC Loan Insurance Premium (4.0% Capitalized) | +$136,458 |
| Total Funded Commercial Debt | $3,547,908 |
| Financing Terms & Rate | 5-Yr Fixed · 50-Yr Amort @ 4.00% |
| Estimated Transaction & Closing Outlays | $107,157 |
| Total Cash Required to Close (All-In) | $286,707 |
| 100% Net HST Rebated (PBRH + NRRPR Exemption) | $466,830 ($0 Net HST ✓) |
| 3. Operating Pro-Forma & Debt Service | |
|---|---|
| Effective Gross Income (7.5% Vacancy Allowance) | $207,015 / yr |
| Operating Expenses (Insurance, Repairs, Reserve, 3.5% Mgmt) | −$27,246 / yr |
| 10-Year Municipal TIEG Tax Grant | +$8,000 / yr (100% Tax Offset ✓) |
| Net Operating Income (NOI with TIEG) | $179,769 / yr (5.01% Cap Rate) |
| Annual Debt Service (50-Yr Amortization @ 4.00%) | −$164,214 / yr ($13,685 / mo) |
| Year 1 Net Operating Cash Flow | +$15,555 / yr (+$1,296 / mo) |
| Debt Service Coverage Ratio (DSCR) | 1.095x DSCR (Solid Safety Buffer) |
| 4. 5-Year Wealth Creation & Investment Returns | |
|---|---|
| 5-Year Cumulative Net Cash Flow (Distributions) | +$124,901 |
| 5-Year Mortgage Principal Paydown (Tenant-Funded) | +$123,195 |
| 5-Year Asset Appreciation (3.0% Compound / Year) | +$571,957 |
| 5-Year Net Wealth Created (Gain over Cash In) | +$576,346 |
| 5-Year Levered Hold IRR (Equity Multiple) | 26.6% Hold IRR (3.01x EM) |
Strategic Investment Advantage · The Poplar Freehold Block
• 100% Freehold Title Flexibility: Zero condominium corporation overhead. Unlocks future individual parcel disposition at retail townhouse pricing.
• Attached Private Garages & Basements: Commands top-tier tenant demand ($2,450/mo) and near-zero tenant turnover.
• Turnkey Execution: Delivered fully finished with Tarion 7-year builder warranty and tenant placement by RE/MAX Quinte.
• Attached Private Garages & Basements: Commands top-tier tenant demand ($2,450/mo) and near-zero tenant turnover.
• Turnkey Execution: Delivered fully finished with Tarion 7-year builder warranty and tenant placement by RE/MAX Quinte.