REAL ESTATE ANALYSISCapSharkCanadian Real Estate Investor Guides
Practical explainers on multifamily acquisitions and refinancing, CMHC MLI Select, fix-and-flip analysis and underwriting risk.
Multifamily DSCR in Canada: A Practical Guide
How debt service coverage is calculated, why lender NOI can differ, and how to stress-test the ratio before relying on it.
Required Rent, Refinance Capacity and Renovation Spend per Door
Work backward from a supportable refinance to the rent target and renovation budget the property can justify.
Multifamily Rent-Roll and NOI Due Diligence Checklist
Reconcile the source documents that drive normalized NOI, loan sizing and the lender package.
What Is MLI Select? Points, Premiums & DSCR Explained
A plain-English guide to CMHC's points-based financing program — how the 50/70/100-point tiers work, what they unlock, and how 2026 premium pricing actually works.
CMHC's July 2025 MLI Select Premium Overhaul, Explained
What actually changed, a real worked example, and why comps from before July 2025 understate current premium costs.
How CMHC Scores MLI Select Points: A Practical Walkthrough
A practical breakdown of how points are earned across Energy Efficiency, Affordability, and Accessibility — with real point values for each level.
MLI Select vs. Conventional Financing: Which Fits Your Deal?
A side-by-side comparison of leverage, amortization, and premium — and when each financing type actually makes sense.
MLI Select in Edmonton: What Multi-Unit Investors Need to Know
Edmonton-specific vacancy and rent data from CMHC's latest survey, and what it means for underwriting a deal.
How CapShark Scores Your Flip Deal: The 7-Factor System Explained
Profit margin, ROI, safety margin, holding period, the 70% rule, financing risk, and rehab risk — plus hard caps so one great number can't hide a real weakness.
Why the 70% Rule Doesn't Work in Every Market
The classic flip heuristic assumes a discount that's often unavailable in high-cost markets — what to check instead.
Fix and Flip Taxes: US vs. Canada
Dealer status and self-employment tax in the US, and Canada's Residential Property Flipping Rule — how each actually affects a flip's after-tax return.