Interactive Tool
Pro-Forma Calculator
Enter a purchase price, your unit mix, and an interest rate. Your estimate updates instantly on the right — what you'll need to bring, your mortgage with the CMHC premium, cash flow, returns, and a 5-year outlook.
Deal Details
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Modelled at the CMHC MLI Select maximum 50-year amortization.
Units & Rents
UnitsRent / mo
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Financing
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Operating Expenses — optional, edit to fit
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Estimated as 75% of price × Edmonton's mill rate (1.01738%). Type the actual figure if you have it.
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Your Estimate
Monthly Mortgage Payment
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Estimated · incl. CMHC premium · 50-yr amortization
Financing Breakdown
Purchase Price$0
Down Payment$0
Loan Amount$0
CMHC Premium
Total Loan Size$0
Interest Rate0%
Annual Mortgage Payment$0
Income & Returns
Gross Rent (annual)$0
Operating Expenses$0
Net Operating Income$0
Cap Rate0%
Cash-on-Cash Return0%
DSCR (debt coverage)0.00
Monthly Cash Flow$0 / year
$0
What You'll Need
$0Down Payment
$0Min. Liquidity
$0Min. Net Worth
Estimates use monthly-compounded financing and your entered assumptions. CMHC MLI Select terms — premium, LTV, amortization — are subject to change; verify with your mortgage broker. See full disclaimer below.
5-Year Outlook
Illustrative: 5% appreciation Y1, 3% Y2–5 · cash flow +5%/yr
| Year | Building Value | Cash Flow | Equity Gained | Return on Down Pmt |
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$0Total Equity Gained (5 yr)
0%Annualized 5-Year ROI
The Alternative — Same Capital, Conventional
CMHC MLI Selectthis deal · 5% down
Conventional20% down · 30-yr
Property You Control
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Doors / Units
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1
Monthly Cash Flow
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5-Year Equity Gained
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$0
Annualized 5-Yr ROI
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Both columns deploy the same deposit. The conventional side puts that capital down at 20% on the same per-door price — so it controls roughly a quarter of the doors — with traditional 30-year financing, your own rents, and no vacancy or management (the most generous case). Even then, 5% down on a purpose-built multi-family puts far more asset, cash flow, and equity to work.
Want a full pro-forma on a real asset?
This calculator uses the same model we run on every deal. On a free 30-minute discovery call, we'll match your available capital to a specific property in our active inventory and build you a complete, property-specific pro-forma grounded in real numbers. No cost. No obligation.
Disclaimer: This calculator is for general information and illustration purposes only and is based on user-entered assumptions that may not reflect actual results. Outputs are projections and estimates subject to market conditions, financing terms, CMHC approval, and other variable factors. It does not constitute financial, investment, legal, or tax advice. CMHC MLI Select program terms — eligibility, premium rates, loan-to-value, and amortization — are subject to change at CMHC's discretion; verify current terms with your mortgage broker. Consult your lawyer, mortgage broker, and accountant before making any investment decision. Kunal Sarhadi is a licensed real estate broker with Homelife Miracle Realty Inc. and is not a financial advisor.