MirzaCapital Investments

Multi-Unit Investor Suite

Analyze deals, calculate CMHC-insured mortgage costs, model MLI Select points, and determine if the numbers work — before you make an offer.

Deal Analyzer

Input property details and financing terms. All CMHC premiums auto-calculate using July 2025 rates.

1.31
DSCR
CMHC Pass
6.39%
Cap Rate
10.19%
Cash-on-Cash
$30,567
Annual Cash Flow
$166,667
Price/Unit
Property
$
$
%
$
% of GRI
$
Financing
%
%
years
Income & NOI
Gross Rental Income$201,600
− Vacancy Loss($10,080)
= Effective Gross Income$191,520
− Operating Expenses($57,600)
− CapEx Reserve($6,048)
= Net Operating Income$127,872
CMHC Insurance
Total Property Value$2,000,000
Loan Amount (before premium)$1,700,000
Down Payment Required$300,000
Base LTV Premium5.35%
Amortization Surcharge+0.75%
Gross Premium6.10%
MLI Select DiscountNone
Effective Premium6.10%
Premium in Dollars$103,700
Total Loan (incl. premium)$1,803,700
Debt Service
Monthly Mortgage Payment$8,109
Annual Debt Service$97,305
NOI$127,872
Annual Cash Flow$30,567
Monthly Cash Flow$2,547
✓ STRONG DEAL
DSCR of 1.31 means your NOI covers debt service 1.31x. CMHC requires minimum 1.1x. Lenders typically want 1.2x+. This deal cash flows $2,547/month after debt service.
MIRZACAPITAL INVESTMENTS • MULTIFAMILY ACQUISITIONS & CONVERSIONS • ONTARIO