05 · Excel · August 2026
What is in the workbook
Built for Canadian closings, not a US BRRRR sheet with the word Canada typed on it. Condos, houses, and 2–4 unit buildings in Ontario / Toronto.
- Cash to close — down payment, legal, title, inspection, appraisal, and the tax-on-title line.
- Ontario land transfer tax + Toronto municipal land transfer tax, including 1 Apr 2026 luxury tiers.
- CMHC premium + 8% Ontario PST (cash, never added to the loan).
- Canadian mortgage math with semi-annual compounding — actual payment vs OSFI B-20 qualifying payment.
- Results: cash flow, cap rate, cash-on-cash, DSCR.
- CRA T776 monthly + annual working papers, including a personal-use % for house-hackers.
- Rate Tables dated August 2026. Yellow inputs, locked formulas.
- Leslieville sample so the first open is not a blank grid.
- Who it is for
- Ontario / Toronto investors buying a condo, house, duplex, triplex, or fourplex. Anyone whose US template is getting the payment wrong.
- Who it is not for
- Not commercial / 5+ unit underwriting. Not multi-year IRR or renovation draws. Not CRA filing software — it is a working paper. Excel is the supported app.
- Also available
- If you only need the LTT / MLTT bill, use the Ontario + Toronto land transfer tax calculator ($12 CAD).
Not tax, legal, or mortgage advice. 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.