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Investment Proforma
10 Plex Leduc
343 – 373 Creekside Green · Delivery May 2027 · Lending Type: Draw
Multi-Family · 10 Units
Purchase Price
$2,836,601
CAD
Cap Rate
6.0%
Year 1
Cash on Cash
24.0%
Year 1
DSCR
125.6%
At base rate
I
Acquisition Terms & Eligibility
CAD| Purchase Price | $2,836,600.87 |
| Broker & Bank Fee Roll-in | $56,732.02 |
| Total Purchase Price | $2,893,332.89 |
| Deposit (5%) | $144,666.64 |
| Closing Fee Allowance | $56,732.02 |
| Builder Deposit | 5.00% |
| Delivery Timeline | May 2027 |
| Lending Type | Draw |
| Asset Class | Multi-Family (10u) |
| Min. Liquidity | $578,666.58 |
| Min. Net Worth | $867,999.87 |
| Includes | Landscape · Fence · Blinds · Appl. |
II
Unit Mix & Rent Roll
Annual| Unit Type | Units | Unit Price | Monthly | Annual |
|---|---|---|---|---|
| 3 Bed Upper1,459 – 1,489 sqft | 5 | $2,100.00 | $10,500.00 | $126,000.00 |
| 2 Bed Lower646 – 671 sqft | 5 | $1,350.00 | $6,750.00 | $81,000.00 |
| Garage Parking100% usage | 10 | $100.00 | $1,000.00 | $12,000.00 |
| Pet Fee20% usage | 10 | $50.00 | $100.00 | $1,200.00 |
| Gross Scheduled Income | 10 | — | $18,350.00 | $220,200.00 |
III
Operating Expenses
Annual| Property Taxes | $24,566 |
| Insurance | $7,000 |
| Utilities | $0 |
| Repairs & Maint. | $8,300 |
| Management & Salaries | $10,803 |
| Other Cost | $4,321 |
| Replacement Reserve | $1,500 |
| Vacancy & Bad Debt (2%) | $4,140 |
| Total Operating Expense | $45,687 |
IV
Net Operating Income
Year 1| Rental Income | $207,000 |
| Other Income (Parking + Pet) | $13,200 |
| Gross Income | $220,200 |
| (−) Vacancy & Bad Debt | ($4,140) |
| Effective Gross Income | $216,060 |
| (−) Operating Expense | ($45,687) |
| Net Operating Income | $170,373 |
V
Debt Service
Draw · 50 yr Amortization| Tranche | Amount | Interest | Amort. | Monthly | Annual |
|---|---|---|---|---|---|
| Mortgage | $2,748,666.25 | 4.00% | 50 yr | $10,674.71 | $128,096.58 |
| CMHC Premium 5.9% | $162,171.31 | 4.00% | 50 yr | $629.81 | $7,557.70 |
| Total Loan Size | $2,910,837.55 | 4.04% | 50 yr | $11,304.52 | $135,654.27 |
Cash Flow After Debt
$34,719
DSCR
125.6%
Cash on Cash
24.0%
VI
Five-Year Projections
Down Payment $144,667 · Original Price $2,836,601| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Building Value | $3,120,261 | $3,276,274 | $3,440,088 | $3,612,092 | $3,792,697 |
| Appreciation % | 10.0% | 5.0% | 5.0% | 5.0% | 5.0% |
| Appreciation $ | $283,660 | $156,013 | $163,814 | $172,004 | $180,605 |
| Total Cash Flow | $34,719 | $25,112 | $26,367 | $27,686 | $29,070 |
| Mortgage Paydown | $17,370 | $18,085 | $18,829 | $19,604 | $20,411 |
| Equity Per Year | $335,749 | $199,209 | $209,010 | $219,294 | $230,085 |
| Return on Down Payment | 232.1% | 137.7% | 144.5% | 151.6% | 159.0% |
Total Equity Gained
$1,193,347
Annualized 5-Yr ROI
164.98%
IRR · No Sale / Sale
11.50% / 65%
VII
Rate Sensitivity
Δ Cash Flow · DSCR| Δ | Rate | Monthly | Cash Flow | DSCR |
|---|---|---|---|---|
| −0.50% | 3.50% | $10,338.00 | $46,317.19 | 137.3% |
| −0.25% | 3.75% | $10,816.35 | $40,577.01 | 131.3% |
| Base | 4.00% | $11,304.52 | $34,718.88 | 125.6% |
| +0.25% | 4.25% | $11,802.14 | $28,747.45 | 120.3% |
| +0.50% | 4.50% | $12,308.81 | $22,667.45 | 115.3% |
VIII
Rent Sensitivity
Δ Net Rent · NOI| Δ | Net Rent | NOI | Cash Flow | DSCR |
|---|---|---|---|---|
| Base | $220,200 | $174,513 | $38,859 | 128.6% |
| −5% | $209,190 | $163,503 | $27,849 | 120.5% |
| −10% | $198,180 | $152,493 | $16,839 | 112.4% |
| −15% | $187,170 | $141,483 | $5,829 | 104.3% |