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Investment Proforma
32 Leduc
343 – 373 Creekside Green · Delivery May 2027 · Lending Type: Draw
Multi-Family · 32 Units
Purchase Price
$9,077,123
CAD
Cap Rate
6.1%
Year 1
Cash on Cash
22.0%
Year 1
DSCR
123.9%
At base rate
I
Acquisition Terms & Eligibility
CAD| Purchase Price | $9,077,122.79 |
| Broker & Bank Fee Roll-in | $590,012.98 |
| Total Purchase Price | $9,667,135.77 |
| Deposit (5%) | $483,356.79 |
| Closing Fee Allowance | $590,012.98 |
| Builder Deposit | 5.00% |
| Delivery Timeline | May 2027 |
| Lending Type | Draw |
| Asset Class | Multi-Family (32u) |
| Min. Liquidity | $1,933,427.15 |
| Min. Net Worth | $2,900,140.73 |
| 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 | 16 | $2,100.00 | $33,600.00 | $403,200.00 |
| 2 Bed Lower646 – 671 sqft | 16 | $1,350.00 | $21,600.00 | $259,200.00 |
| Garage Parking100% usage | 32 | $100.00 | $3,200.00 | $38,400.00 |
| Pet Fee20% usage | 32 | $50.00 | $320.00 | $3,840.00 |
| Gross Scheduled Income | 32 | — | $58,720.00 | $704,640.00 |
III
Operating Expenses
Annual| Property Taxes | $78,610 |
| Insurance | $16,000 |
| Utilities | $0 |
| Repairs & Maint. | $26,560 |
| Management & Salaries | $34,570 |
| Other Cost | $13,828 |
| Replacement Reserve | $4,800 |
| Vacancy & Bad Debt (2%) | $13,248 |
| Total Operating Expense | $139,798 |
IV
Net Operating Income
Year 1| Rental Income | $662,400 |
| Other Income (Parking + Pet) | $42,240 |
| Gross Income | $704,640 |
| (−) Vacancy & Bad Debt | ($13,248) |
| Effective Gross Income | $691,392 |
| (−) Operating Expense | ($139,798) |
| Net Operating Income | $551,594 |
V
Debt Service
Draw · 50 yr Amortization| Tranche | Amount | Interest | Amort. | Monthly | Annual |
|---|---|---|---|---|---|
| Mortgage | $9,183,778.98 | 3.90% | 50 yr | $35,046.38 | $420,556.51 |
| CMHC Premium 5.9% | $541,842.96 | 3.90% | 50 yr | $2,067.74 | $24,812.83 |
| Total Loan Size | $9,725,621.94 | 3.94% | 50 yr | $37,114.11 | $445,369.35 |
Cash Flow After Debt
$106,225
DSCR
123.9%
Cash on Cash
22.0%
VI
Five-Year Projections
Down Payment $483,357 · Original Price $9,077,123| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Building Value | $9,984,835 | $10,484,077 | $11,008,281 | $11,558,695 | $12,136,629 |
| Appreciation % | 10.0% | 5.0% | 5.0% | 5.0% | 5.0% |
| Appreciation $ | $907,712 | $499,242 | $524,204 | $550,414 | $577,935 |
| Total Cash Flow | $106,225 | $75,238 | $79,000 | $82,950 | $87,097 |
| Mortgage Paydown | $59,972 | $62,377 | $64,878 | $67,479 | $70,185 |
| Equity Per Year | $1,073,909 | $636,856 | $668,081 | $700,843 | $735,217 |
| Return on Down Payment | 222.2% | 131.8% | 138.2% | 145.0% | 152.1% |
Total Equity Gained
$3,814,907
Annualized 5-Yr ROI
157.85%
IRR · No Sale / Sale
9.25% / 63%
VII
Rate Sensitivity
Δ Cash Flow · DSCR| Δ | Rate | Monthly | Cash Flow | DSCR |
|---|---|---|---|---|
| −0.50% | 3.40% | $33,911.25 | $144,659.05 | 135.5% |
| −0.25% | 3.65% | $35,496.01 | $125,642.02 | 129.5% |
| Base | 3.90% | $37,114.11 | $106,224.75 | 123.9% |
| +0.25% | 4.15% | $38,764.28 | $86,422.69 | 118.6% |
| +0.50% | 4.40% | $40,445.21 | $66,251.52 | 113.7% |
VIII
Rent Sensitivity
Δ Net Rent · NOI| Δ | Net Rent | NOI | Cash Flow | DSCR |
|---|---|---|---|---|
| Base | $704,640 | $564,842 | $119,473 | 126.8% |
| −5% | $669,408 | $529,610 | $84,241 | 118.9% |
| −10% | $634,176 | $494,378 | $49,009 | 111.0% |
| −15% | $598,944 | $459,146 | $13,777 | 103.1% |