HANS KITS
Hans Jurgen · Canada
hansjurgenj0@gmail.com
First Dollar Kit · Analyzer Excel · Free LTT calculator · Toronto cash flow · Toronto MLTT 2026

HANS KITS · Canada · Ontario Excel

Ontario rental Excel. Cash to close, LTT, T776.

Two files for Ontario / Toronto closings. Pay on Stripe. Download immediately. No course, no community, no ads.

Try the free Ontario + Toronto LTT calculator on the land transfer tax page — no download, same August 2026 bands as the $12 Excel.

Hans Jurgen, Canada. Instant file after Stripe. Email hansjurgenj0@gmail.com. Freelance kits are listed below. Looking for a Toronto rental cash flow spreadsheet? That is the $47 analyzer.

FAQ

What you get

Ontario Analyzer ($47 CAD): a nine-sheet Excel workbook for Ontario / Toronto rentals — cash to close, LTT + Toronto MLTT, CMHC, B-20, and a T776 working paper. LTT Calculator ($12 CAD): provincial LTT, Toronto MLTT, first-time refunds, NRST — plus a free in-browser calculator on the LTT page. First Dollar Kit ($27 USD): a zip with twelve outreach messages, a one-page offer template, a 7-day follow-up sequence, reply scripts, and a pricing one-pager. Other freelance files and one workshop date are listed lower on this page.

What happens after you pay

Stripe takes the payment and emails a receipt. The file is available immediately after checkout — no waitlist, no login wall. If the download fails, email hansjurgenj0@gmail.com with the Stripe receipt.

Is this a course?

Most listings are files. There is now one $10 course, Start Your AI Agency, with its own page. No community, no ads.

Is this tax, legal, or mortgage advice?

No. The Ontario Excel files are illustrations and working papers. Confirm numbers with your lawyer, lender, and accountant before you waive a condition or file T776.

About

HANS KITS is run by Hans Jurgen in Canada. Direct tools and pages you can use. Stripe checkout. Instant file after payment. Questions: hansjurgenj0@gmail.com.

Lane 02

For Ontario landlords

Stop underwriting Toronto purchases in a US template. Canadian mortgage math, Ontario + Toronto land transfer tax, and a CRA T776 working paper — in Excel. Dedicated pages: Ontario rental analyzer Excel, Toronto rental cash flow spreadsheet, and Ontario land transfer tax calculator (free in-browser tool on that page).

05 · Excel · August 2026

Ontario Rental Analyzer T776 Excel

$47 CAD

Year-1 underwriting for Ontario and Toronto residential rentals: condos, houses, and 2–4 unit buildings. Built for Canadian closings, not a US BRRRR sheet with the word Canada typed on it.

What you get
Nine-sheet Excel workbook. Cash to close (down payment, legal, title, inspection, appraisal). Ontario LTT + Toronto MLTT including 1 Apr 2026 luxury tiers. CMHC premium + 8% Ontario PST (cash, never added to the loan). Canadian semi-annual compounding. OSFI B-20 qualifying payment vs actual. Results: cash flow, cap rate, cash-on-cash, DSCR. CRA T776 monthly + annual working papers. Rate Tables dated August 2026. Yellow inputs, locked formulas. Instant download.
Who it is for
Ontario / Toronto investors buying a condo, house, duplex, triplex, or fourplex. House-hackers who need a personal-use % on T776. Anyone whose US template is getting the payment wrong.
What it is not
Not commercial / 5+ unit underwriting. Not multi-year IRR or renovation draws. Not CRA filing software — it is a working paper. Not tax, legal, or mortgage advice. Excel is the supported app.
Buy Ontario Rental Analyzer — $47 CAD Ontario rental analyzer Excel page →

Also on Gumroad

After you pay: Stripe emails a receipt. The Excel file is available immediately.

Illustration only. Rates, LTT/MLTT bands, CMHC, B-20, and the Ontario rent guideline are modelled as of August 2026 and can change. Confirm with your lawyer, lender, and accountant before you waive a condition or file T776.

06 · Excel · August 2026

Ontario + Toronto LTT Calculator Excel

$12 CAD

Just the land transfer tax bill — provincial LTT, Toronto MLTT, first-time buyer refunds, NRST — band by band so a lawyer can tick the math.

What you get
One Excel calculator. Ontario graduated LTT, Toronto MLTT including 1 Apr 2026 luxury tiers, FTHB refunds (Ontario max $4,000, Toronto max $4,475), NRST 25% + Toronto MNRST 10%. Type price, closing date, and four Yes/No flags. Works in Excel and Google Sheets.
Who it is for
Ontario and Toronto buyers, investors, and anyone who needs the LTT line before calling a lawyer. If you only need tax-on-title, this is the $12 file.
What it is not
Not the full rental analyzer. No cash to close, no CMHC, no B-20, no T776. Not legal advice. If you need the whole closing picture, buy 05.
Buy LTT Calculator — $12 CAD Need cash to close + T776? Buy 05 — $47 CAD Ontario LTT / Toronto MLTT page →

Also on Gumroad · Analyzer also on Gumroad

Lane 01

For freelancers

You can do the work. You have not been paid for it yet. These are files — and one evening — so you can name the offer, the price, and ten people to email. New: Start Your AI Agency ($10). Dedicated kit page: First Dollar Kit.

00 · Course · Instant access

Start Your AI Agency

$10 USD

A $10 course on getting your first paid AI retainer from a URL. Pick one local industry, sell a working demo, then a retainer. No community. No upsell.

What you get
Eight short lessons plus copy-paste templates: outreach, one-page offer, pricing, 7-day follow-up. Readable in one sitting. Instant page after Stripe.
Who it is for
Someone who can ship and wants a first client this month. You will look up ten real shops and send ten messages.
What it is not
Not a chatbot tutorial, not a prompt pack, not a $997 mastermind. Not a subscription.
Buy the course — $10 USD Sales page →

After you pay: Stripe emails a receipt. You land on the course. Save the link.

01 · Instant download

First Dollar Kit

$27 USD

The working pack for a first paid client. You leave with language you can send this week, not a module list.

What you get
Twelve outreach messages (email + DM), a one-page offer template, a 7-day follow-up sequence, reply scripts, and a pricing one-pager. Zip after Stripe.
Who it is for
Solo operators who will look up ten real names and send ten messages. No audience required.
What it is not
Not a course, not a community, not ads, and not a guarantee that a stranger says yes.
Buy First Dollar Kit — $27 USD Dedicated page → first-dollar-kit.html

After you pay: Stripe emails a receipt. The zip is available immediately.

02 · Instant download

The Offer Page

$12 USD

If a stranger cannot say yes or no after one screen, you do not have an offer yet. You have a bio.

What you get
Headline, who it is for, what is in, what is out, price, guarantee, how to start. Fill it this afternoon. Keep it to one page.
Who it is for
Freelancers still selling from a LinkedIn summary who cannot yet name the artifact, the window, and the number.
What it is not
Not outreach. Not a website. Not the full kit. If you cannot name the artifact, do not send mail yet.
Buy The Offer Page — $12 USD
03 · Instant download

First Dollar Bundle

$47 USD

Everything in the kit, plus extra outreach and a 14-day follow-up, in one checkout.

What you get
First Dollar Kit + reply scripts + extra messages + 14-day follow-up. Ten names, ten messages, a number you can say out loud.
Who it is for
People who want the full freelancer pack without buying pieces. One payment, one zip.
What it is not
Not coaching. Not a done-for-you outreach service. Files only.
Buy First Dollar Bundle — $47 USD
04 · Live · one date

First Client Workshop

Sep 1 2026 · 7pm Toronto · $97 USD

One evening on the calendar. Walk out with an offer, a price, and ten messages ready to send.

What you get
Live workshop, Sep 1 2026, 7pm Toronto time. Seat via Stripe. Bring a laptop and ten names.
Who it is for
Freelancers who want someone to hold the line for one night instead of another unread PDF.
What it is not
Not a course replay library. Not a networking mixer. One date, one seat.
Book First Client Workshop — $97 USD