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Investment Proforma
12 Plex Leduc
343 – 373 Creekside Green · Delivery May 2027 · Lending Type: Draw
Multi-Family · 12 Units
Purchase Price
$3,403,921
CAD
Cap Rate
6.0%
Year 1
Cash on Cash
21.3%
Year 1
DSCR
122.7%
At base rate
I
Acquisition Terms & Eligibility
CAD| Purchase Price | $3,403,921.05 |
| Broker & Bank Fee Roll-in | $170,196.05 |
| Total Purchase Price | $3,574,117.10 |
| Deposit (5%) | $178,705.85 |
| Closing Fee Allowance | $170,196.05 |
| Builder Deposit | 5.00% |
| Delivery Timeline | May 2027 |
| Lending Type | Draw |
| Asset Class | Multi-Family (12u) |
| Min. Liquidity | $714,823.42 |
| Min. Net Worth | $1,072,235.13 |
| 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 | 6 | $2,100.00 | $12,600.00 | $151,200.00 |
| 2 Bed Lower646 – 671 sqft | 6 | $1,350.00 | $8,100.00 | $97,200.00 |
| Garage Parking100% usage | 12 | $100.00 | $1,200.00 | $14,400.00 |
| Pet Fee20% usage | 12 | $50.00 | $120.00 | $1,440.00 |
| Gross Scheduled Income | 12 | — | $22,020.00 | $264,240.00 |
III
Operating Expenses
Annual| Property Taxes | $29,479 |
| Insurance | $7,200 |
| Utilities | $0 |
| Repairs & Maint. | $9,960 |
| Management & Salaries | $12,964 |
| Other Cost | $5,185 |
| Replacement Reserve | $1,800 |
| Vacancy & Bad Debt (2%) | $4,968 |
| Total Operating Expense | $53,624 |
IV
Net Operating Income
Year 1| Rental Income | $248,400 |
| Other Income (Parking + Pet) | $15,840 |
| Gross Income | $264,240 |
| (−) Vacancy & Bad Debt | ($4,968) |
| Effective Gross Income | $259,272 |
| (−) Operating Expense | ($53,624) |
| Net Operating Income | $205,648 |
V
Debt Service
Draw · 50 yr Amortization| Tranche | Amount | Interest | Amort. | Monthly | Annual |
|---|---|---|---|---|---|
| Mortgage | $3,395,411.24 | 4.00% | 50 yr | $13,186.41 | $158,236.95 |
| CMHC Premium 5.9% | $200,329.26 | 4.00% | 50 yr | $778.00 | $9,335.98 |
| Total Loan Size | $3,595,740.51 | 4.04% | 50 yr | $13,964.41 | $167,572.93 |
Cash Flow After Debt
$38,075
DSCR
122.7%
Cash on Cash
21.3%
VI
Five-Year Projections
Down Payment $178,706 · Original Price $3,403,921| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Building Value | $3,744,313 | $3,931,529 | $4,128,105 | $4,334,511 | $4,551,236 |
| Appreciation % | 10.0% | 5.0% | 5.0% | 5.0% | 5.0% |
| Appreciation $ | $340,392 | $187,216 | $196,576 | $206,405 | $216,726 |
| Total Cash Flow | $38,075 | $26,367 | $27,685 | $29,069 | $30,523 |
| Mortgage Paydown | $21,457 | $22,340 | $23,259 | $24,217 | $25,213 |
| Equity Per Year | $399,924 | $235,922 | $247,521 | $259,691 | $272,462 |
| Return on Down Payment | 223.8% | 132.0% | 138.5% | 145.3% | 152.5% |
Total Equity Gained
$1,415,520
Annualized 5-Yr ROI
158.42%
IRR · No Sale / Sale
7.43% / 63%
VII
Rate Sensitivity
Δ Cash Flow · DSCR| Δ | Rate | Monthly | Cash Flow | DSCR |
|---|---|---|---|---|
| −0.50% | 3.50% | $12,770.47 | $52,402.19 | 134.2% |
| −0.25% | 3.75% | $13,361.37 | $45,311.38 | 128.3% |
| Base | 4.00% | $13,964.41 | $38,074.86 | 122.7% |
| +0.25% | 4.25% | $14,579.12 | $30,698.39 | 117.5% |
| +0.50% | 4.50% | $15,205.00 | $23,187.79 | 112.7% |
VIII
Rent Sensitivity
Δ Net Rent · NOI| Δ | Net Rent | NOI | Cash Flow | DSCR |
|---|---|---|---|---|
| Base | $264,240 | $210,616 | $43,043 | 125.7% |
| −5% | $251,028 | $197,404 | $29,831 | 117.8% |
| −10% | $237,816 | $184,192 | $16,619 | 109.9% |
| −15% | $224,604 | $170,980 | $3,407 | 102.0% |