This model is an independent estimate produced by DoBuild Proforma Studio. Premium and fee figures follow CMHC’s published multi-unit schedule, 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.

Land development

Subdivision with homebuilding

Land development through to home handover. Two businesses, one project, an explicit lot transfer price, and a monthly ledger everything else attaches to. Every field ships empty.

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Peak capital

$0

Month 0

Horizon

60 mo

0 lots · 0 homes

Combined margin

$0

0.0%

Readiness

17%

IRR 0.0%

Stage 1

Project setup

Archetype

New public roads and services, subdivision agreement, letters of credit, parkland and SWM conveyance.

Scope — the most consequential switch in the product

You pay development charges, building permits and warranty enrolment per home, and carry vertical construction and the warranty tail.

Region

Financing eligibility

Subdivision gets conventional and cash only. CMHC multi-unit insurance and ACLP both require rental housing owned and operated by the borrower — serviced lots sold to builders and homes sold to individual purchasers are neither. No DCR is displayed: there is no stabilised NOI to test against.