Deal Parameters
$
%
%
yrs
yrs
Income & Expenses
$
%
Operating Expenses
%
CMHC Insurance
Apply CMHC MLI Select
Enables LTV up to 85% for eligible multifamily
Premium: 2.8% of loan
Premium amount: $63,000
Rates as of April 2026
Debt Service Coverage Ratio
1.23x
Marginal — tight underwrite
Minimum DSCR
1.10x CMHC · 1.20x conv.
Effective rate: 5.22%
NOI (Annual)
$185,250
EGI: $285,000
Cap Rate
6.17%
NOI / price
Loan Amount
$2,313,000
Incl. $63,000 CMHC
Monthly Payment
$12,552
Annual DS: $150,626
Equity (Purchase)
$750,000
25.00% down
Balance at Term End
$2,126,862
After 5yr term
Income Waterfall
Gross Rental Income$300,000
Vacancy Loss (5%)− $15,000
Effective Gross Income$285,000
Operating Expenses (35%)− $99,750
Net Operating Income$185,250
Annual Debt Service− $150,626
Cash Flow After Debt$34,624
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Deal Notes