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Investment Proforma
8 Plex Beaumont
Beaumont, Alberta · Delivery 6 Months from COI · Lending Type: Draw
Multi-Family · 8 Units
Purchase Price
$2,208,457
CAD
Cap Rate
6.1%
Year 1
Cash on Cash
22.3%
Year 1
DSCR
123.8%
At base rate
I
Acquisition Terms & Eligibility
CAD| Purchase Price | $2,208,456.70 |
| Broker & Bank Fee Roll-in | $110,422.83 |
| Total Purchase Price | $2,318,879.53 |
| Deposit (5%) | $115,943.98 |
| Closing Fee Allowance | $110,422.83 |
| Net Deposit | $5,521.14 |
| Builder Deposit | 5.00% |
| Delivery Timeline | 6 Months from COI |
| Lending Type | Draw |
| Asset Class | Multi-Family (8u) |
| Min. Liquidity | $463,775.91 |
| Min. Net Worth | $695,663.86 |
| Includes | Landscape · Fence · Blinds · Appl. |
II
Unit Mix & Rent Roll
Annual| Unit Type | Units | Unit Price | Monthly | Annual |
|---|---|---|---|---|
| 3 Bed Upper1,300 – 1,400 sqft | 4 | $2,220.00 | $8,880.00 | $106,560.00 |
| 2 Bed Lower506 – 562 sqft | 4 | $1,320.00 | $5,280.00 | $63,360.00 |
| Parking100% usage | 8 | $0.00 | $0.00 | $0.00 |
| Pet Fee20% usage | 8 | $50.00 | $80.00 | $960.00 |
| Gross Scheduled Income | 8 | — | $14,240.00 | $170,880.00 |
III
Operating Expenses
Annual| Property Taxes | $16,000 |
| Insurance | $4,500 |
| Utilities | $0 |
| Repairs & Maint. | $6,640 |
| Management & Salaries | $10,926 |
| Other Cost | $1,658 |
| Replacement Reserve | $2,400 |
| Vacancy & Bad Debt (3%) | $5,098 |
| Total Operating Expense | $31,198 |
IV
Net Operating Income
Year 1| Rental Income | $169,920 |
| Other Income (Parking + Pet) | $960 |
| Gross Income | $170,880 |
| (−) Vacancy & Bad Debt | ($5,098) |
| Effective Gross Income | $165,782 |
| (−) Operating Expense | ($31,198) |
| Net Operating Income | $134,585 |
V
Debt Service
Draw · 50 yr Amortization| Tranche | Amount | Interest | Amort. | Monthly | Annual |
|---|---|---|---|---|---|
| Mortgage | $2,202,935.56 | 4.00% | 50 yr | $8,555.32 | $102,663.79 |
| CMHC Premium 5.9% | $129,973.20 | 4.00% | 50 yr | $504.76 | $6,057.16 |
| Total Loan Size | $2,332,908.75 | 4.04% | 50 yr | $9,060.08 | $108,720.96 |
Cash Flow After Debt
$25,864
DSCR
123.8%
Cash on Cash
22.3%
VI
Five-Year Projections
Down Payment $115,944 · Original Price $2,208,457| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Building Value | $2,429,302 | $2,550,767 | $2,678,306 | $2,812,221 | $2,952,832 |
| Appreciation % | 10.0% | 5.0% | 5.0% | 5.0% | 5.0% |
| Appreciation $ | $220,846 | $121,465 | $127,538 | $133,915 | $140,611 |
| Total Cash Flow | $25,864 | $15,685 | $16,469 | $17,292 | $18,157 |
| Mortgage Paydown | $13,921 | $14,494 | $15,091 | $15,712 | $16,358 |
| Equity Per Year | $260,630 | $151,644 | $159,098 | $166,919 | $175,126 |
| Return on Down Payment | 224.8% | 130.8% | 137.2% | 144.0% | 151.0% |
Total Equity Gained
$913,418
Annualized 5-Yr ROI
157.56%
IRR · No Sale / Sale
6.42% / 63%
VII
Rate Sensitivity
Δ Cash Flow · DSCR| Δ | Rate | Monthly | Cash Flow | DSCR |
|---|---|---|---|---|
| −0.50% | 3.50% | $8,285.45 | $35,159.16 | 135.4% |
| −0.25% | 3.75% | $8,668.83 | $30,558.66 | 129.4% |
| Base | 4.00% | $9,060.08 | $25,863.62 | 123.8% |
| +0.25% | 4.25% | $9,458.90 | $21,077.78 | 118.6% |
| +0.50% | 4.50% | $9,864.97 | $16,204.92 | 113.7% |
VIII
Rent Sensitivity
Δ Net Rent · NOI| Δ | Net Rent | NOI | Cash Flow | DSCR |
|---|---|---|---|---|
| Base | $170,880 | $139,682 | $30,961 | 128.5% |
| −5% | $162,336 | $131,138 | $22,417 | 120.6% |
| −10% | $153,792 | $122,594 | $13,873 | 112.8% |
| −15% | $145,248 | $114,050 | $5,329 | 104.9% |