What CapShark does—and where it stops.
Short answers about the free tools, paid products, data handling and the difference between analysis and professional approval.
Is CapShark a lender, appraiser or CMHC approval?
No. CapShark is decision-support software and an underwriting aid. It does not provide a financing commitment, term sheet, appraisal, audit, legal or tax opinion, investment recommendation, insurance commitment or CMHC approval.
What can I use free?
The three calculators, core results, key stress tests, device-local saved deals, the CSV Deal Room beta and a two-deal comparison board. Start at the guided selector.
What is CapShark Pro?
Pro is for users screening deals repeatedly: unlimited boards, base/upside/downside scenarios, four-case comparison, ranking, notes, audit history, exports and controlled sharing. Pricing is $19.99 CAD monthly or $199 CAD annually. Secure access begins only after server-side Stripe verification.
Is the $99 financing package included in Pro?
No. The one-property financing package is separate because it involves a property-specific, human-reviewed deliverable. Its founding price is $99 CAD per property.
What does the financing package contain?
An executive financing request, sponsor/property summary, normalized income, sources and uses, loan constraints, stress tests, value-add analysis where applicable, risks, conditions, due diligence, source labels, purchase date and unique report ID. Review the sample first.
How long does report delivery take?
The confirmed delivery process should be stated for each order. Until fulfilment capacity is finalized, CapShark should not promise a fixed turnaround it cannot support. Keep the Stripe receipt and CapShark order reference.
Where are my free saved deals?
They are stored in this browser on this device. Clearing browser/site data removes them. The My Deals dashboard organizes these local records. Cross-device sync requires a securely activated Pro account.
Does CapShark upload my Deal Room files?
The current beta processes supported CSV, TSV and text exports locally in your browser. CapShark receives data only when you intentionally submit it for a report or support request. Secure server-side Excel/PDF processing must not launch until private storage and access controls are deployed.
How accurate are MLI Select points and financing results?
They are estimates based on user selections and published program concepts. Program rules, property eligibility, premiums and lender treatment can change. Confirm the evidence pathway and live requirements with an approved lender and current CMHC materials.
What analytics does CapShark collect?
Optional analytics are consent-based. The event layer is designed to exclude property addresses, borrower/sponsor details, emails, report IDs, documents and calculator input/output values. You can change the choice below.
Can CapShark introduce me to a lender?
Only after express referral consent. A referral is not an approval or recommendation, and CapShark should disclose the relationship and any compensation where applicable.
What should I do before acting on a result?
Verify rent and expenses against source documents, confirm current taxes and closing costs, obtain property inspections and professional advice, confirm live lender/program requirements, and rerun downside assumptions that reflect the actual deal.