Loan Sizer · Triple-constrained

Size the loan against all three constraints.

CMHC lenders approve the smaller of: LTV / LTC, minimum DCR, and program cap. This tool computes all three and highlights which one binds — so you know whether your deal is leverage-capped or coverage-capped before you apply.

Build from rent
Max loan
$14,426,534
Binding constraint: DCR
LTV / LTC cap$19,000,000

95% of $20,000,000

DCR capbinding$14,426,534

NOI $950,000 ÷ 1.1 DCR ÷ constant

At max loan
Equity required
$5,573,466
Effective LTV
72.13%
Annual debt service
$863,636
Monthly P+I
$71,970
DCR achieved
1.10x
Min DCR required
1.1x
Program terms applied
  • Max LTV/LTC: 95%
  • Max amortization: 50 yrs
  • Minimum DCR: 1.1x
  • Effective amortization used: 40 yrs