Zoning, CMHC financing and construction — written by the people who design, permit and build multiplexes in Toronto every day. No fluff, real math, current by-laws.
Points, premiums, the 1.10 DSCR test and why 95% financing exists — every number an owner needs before believing any pro forma.
Four units gets a bank loan. Five gets a federal program. The line between them is worth hundreds of thousands of dollars.
CMHC's energy baseline changes this month. What it means, who it affects, and why filing before the switch matters.
The 2023 multiplex by-law, what it exempts you from, what it doesn't, and the envelope math on a typical lot.
Ward sets the doors, lot sets the size. The triage we run on every address before anyone spends a dollar.
Two ways to add the door that unlocks CMHC — and the depth, fire-path and tree rules that decide which one your lot gets.
Bigger units cost more and rent the same. The right-sizing math that flips losing projects into winning ones.
Who pays what, when — from your first soft-cost cheque to the reimbursement at first draw to the permanent mortgage.
Six units in Toronto, three in Markham, four in Ajax. Why the city line matters more than the lot line.