This model is an independent estimate produced by DoBuild Proforma Studio. Premium and fee figures follow CMHC’s published multi-unit schedule effective 2025-07-14, but loan sizing, underwriting value and program eligibility are determined solely by CMHC and the Approved Lender. Lender-side charges are market estimates, not published CMHC figures. Nothing here is a commitment, quote, or approval.
Light version
CMHC ACLP (Apartment Construction Loan Program) is not available for this project as entered
- Multi-unit insurance requires 5 or more housing units; this project has 0.
Switch to a conventional construction loan or cash, or change the inputs that fail the test. The figures below still compute, but they are not a route this project can take.
Purpose-built rental — quick feasibility proforma
Work through the sections one at a time. Enter one total project cost — no breakdown needed. Contingency and escalation are added if your number doesn’t already carry them, and all CMHC premiums, application fees and lender charges are pulled from the CMHC schedule automatically.
Results
Download the completed proforma as a spreadsheet or a report.
PRE-SUBMISSION DRAFT — NOT A CERTIFIED COST REPORT
Total project cost
$0
$0 / unit · $0 / sf
Stabilized NOI (Yr 1)
$0
EGI $0
Max ACLP loan
$0
Binding: Loan-to-Cost (residential)
Stabilized DCR
0.00
Below minimum DCR
ACLP · Tier 3 — entry terms
Scorecard, tier terms and the three interest phases
Report accuracy
Estimate only · 0% verified
0% of total project cost is anticipated (estimated) and 0% is verified (quoted or contracted).
Verified
0% · $0
0 lines
Anticipated
0% · $0
0 lines
App-calculated
0% · $0
Program checks
- ACLP interest is computed on CMHC's straight-line draw schedule; the draw-shape setting does not apply to this program.
- Amortization capped at 45 years at Tier 3.
- Enter CMHC's indicative 10-year fixed rate — the ACLP qualifying rate is that rate plus 1.00%.
- ACLP is closed to prepayment and the takeout at end of term is mandatory: the loan must transfer to a CMHC approved lender, sized by the normal tests.
Advancing
Construction advancing & equity required
Loan sizing
Residential and non-residential sized separately
Valuation
Anticipated terminal value (cap rate)
Property
Acquisition & carry
Uses of funds
Development budget
H — CMHC ACLP Financing Costs (direct CMHC loan — no premium)
I — Contingencies & Escalation
Hard cost / sf
$0.00
Soft cost / sf
$0.00
Cost / sf GFA
$0.00
Cost / unit
$0
Contingency & escalation added by the app: $0.
Operations
5-year net income projection
| ($) | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Gross potential revenue | $0 | $0 | $0 | $0 | $0 |
| Less: vacancy & bad debt | -$0 | -$0 | -$0 | -$0 | -$0 |
| Effective gross income | $0 | $0 | $0 | $0 | $0 |
| Less: operating expenses | -$0 | -$0 | -$0 | -$0 | -$0 |
| Net operating income | $0 | $0 | $0 | $0 | $0 |
| Less: debt service | -$0 | -$0 | -$0 | -$0 | -$0 |
| Net cash flow | $0 | $0 | $0 | $0 | $0 |
| DCR | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cumulative cash flow | $0 | $0 | $0 | $0 | $0 |
Capitalization
Equity remainder & returns
0 units · 0 sf GFA · gross potential revenue $0 per year.