Property Info
Used for saving and exports.
$
Drives M&R and janitorial normalization.
Gross Income
$/yr
Single amount for the whole building.
$/yr
$/yr
$/yr
Effective Gross Income (EGI, annual)
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Financing Type
The normalized expense engine is shared across all three financing types — only the loan-sizing layer differs.
75%
1.25
%
85%
—
DCR is selected automatically from unit count, transaction type and term.
%
Affects the 50-point LTV (85% on existing, 95% on new construction) and the premium column used.
—
1.10
%
%
This reserve is discretionary under MLI Select and varies based on borrower strength. Default is the low end of the Quebec broker barème.
Normalized Expenses — CMHC June 2023 Schedule (broker-sourced)
Included in NNI and the Economic Value calculation. Normalized defaults shown in grey are user-adjustable.
Additional Expenses (non-CMHC)
Additional Expenses — Not included in CMHC underwriting. Used for net cash flow calculation only.
—
$/yr
Snow removal and landscaping are included within the CMHC M&R normalization ($610/unit). Enter here only if your actual costs exceed the normalized amount, for net cash flow modeling.
—
$/yr
Financial Summary — CMHC / Financing View
Net Cash Flow View (Real World)
Quick Report Card
Amortization Schedule
yr
| Month | Payment | Principal | Interest | Balance |
|---|
Remaining balance over time
Enter property and financing data in the Analyzer to generate the amortization schedule.
Refinance Scenarios
Each scenario projects income and expenses forward, re-sizes the loan with the selected financing type, and estimates the equity you could withdraw.
Enter property and financing data in the Analyzer first — refinance scenarios build on the current analysis.
Saved Properties
Settings
%
%
%
%
Conventional
MLI Standard
MLI Select
Backup & Restore (local file)
Your saved properties live on this device only. Export a backup file to keep a copy or move properties to another device, then import it there. This is in addition to in-app Save/Load — those still work with no file.
App version—
CMHC premium scheduleJuly 14, 2025 (official)