Rent vs Own Your Shop
Your escalating rent against buying the building — crossover year, 10-year equity, break-even return on capital, and pulling the down payment from home equity with stated income.
Open →Mortgage Payment Calculator
Quick payment on any commercial mortgage — amortizations 5 to 50 years, principal + interest or interest-only, at any frequency.
Open →CMHC MLI Select — Points & Max Loan
Score your 5+ unit project on CMHC's point system, then see the maximum insured loan at the 1.10× DCR floor, your amortization ceiling, and the premium after the tier discount.
Open →Cap Rate, NOI & Cash-on-Cash
Cap rate, NOI, cash-on-cash return and DSCR — straight from your rent roll.
Open →DSCR Calculator — Property & Business
Debt service coverage for an income property or an owner-user business: the maximum loan at your lender's target, the LTV cap, a stress rate, and how far the income can fall.
Open →EBITDA & Business Valuation
EBITDA, adjusted EBITDA, margin and a business valuation estimate from your P&L.
Open →Commercial Equity Take-Out
Pull equity from commercial property to 75% — new first or a second behind your existing one, with penalty, fees and legal netted to cash in hand. Toggle to Commercial inside.
Open →Closing Cost Calculator
Total cash needed to close: land transfer tax, GST/HST, commercial legal, appraisal, environmental Phase 1/2 and financing fees.
Open →Land Transfer Tax + GST
Just the closing taxes on commercial deals — land transfer tax plus GST or HST.
Open →Financing Fees
Quick estimate of financing and lender fees on your commercial deal.
Open →Case Studies — files like this
Anonymized case studies from our files. Names and identifying details removed.
- Case study · Commercial / Business FinancingThe Branch Offered $2,000. We Arranged a $1.1M Daycare Financing Package.Its bank branch offered a $2,000 corporate-card increase. A complete commercial submission brought an approved and signed package of about $1.1 million: leasehold improvements, equipment, operating credit, business credit cards and existing debt consolidation.Read the file →
- Case study · Commercial / HealthcareFour Credit Facilities. No Client Cash Down. One Medical Clinic.A North Shore medical clinic needed real estate, leasehold and operating financing. We arranged four coordinated credit facilities with no client cash used for the down payment, and the three loans priced under 5%.Read the file →
- Case study · CommercialStructuring a Private Commercial Mortgage to Clear ~$7M in CRA Tax DebtDone right, a structure like this clears the CRA debt for a fraction of the alternatives and buys time to refinance into lower-cost lending once the pressure lifts, on terms a CPA can approve.Read the file →
Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.