Assess the profitability of a duplex or plex before making your offer.
A well-chosen plex can become a solid extra income: you live in one unit and rents cover part of your mortgage. But profitability comes down to the numbers: price, rents, down payment, rate, expenses. AcheteurFuté helps you analyze an income property rigorously, without speculation.
Compare rents collected against the mortgage payment, taxes and expenses to estimate your real net monthly cost — the foundation of a smart investment.
Lenders count part of the rents (often 50 to 80%) toward your capacity. The coach explains how this affects the amount you can borrow.
The Real-Estate Market tool covers 15 Quebec regions. Compare prices, trends and property type (plex) to target where returns are more accessible.
Quebec's rental board (TAL) regulates rent increases and leases. The coach reminds you of the obligations to check before buying a rental building.
A plex multiplies the systems (roofing, plumbing, electrical). The inspection analysis flags red flags and estimates repair costs to plan for.
Real-estate market
15 regions, analysis by property type, trends and prices.
Calculators
Mortgage, borrowing capacity, total cost and down payment.
Property analysis
Import a plex and get strengths, watch-outs and the coach's opinion.
Inspection analysis
Red flags and estimated costs, crucial for a rental building.
If you live in one unit of a 2-to-4-unit building, the minimum down payment can be 5% (with CMHC insurance). If you don't live there, it usually rises to 20%. The coach clarifies the scenario that applies to you.
It depends entirely on the numbers: purchase price, market rents, rate, expenses and upkeep. Rather than promising a return, AcheteurFuté calculates your cashflow and real net cost so you decide on a solid basis.
Yes, partly. Lenders typically add 50 to 80% of the rents to your qualifying income, depending on their policy. This can noticeably increase the amount you can borrow for a plex.
Markets where prices are lower relative to rents (e.g. some regional cities) often make positive cashflow easier, while major centers lean more on appreciation. Compare regions in AcheteurFuté's Real-Estate Market tool.
Strongly recommended. A plex multiplies at-risk systems (roof, plumbing, electrical, foundation). AcheteurFuté's inspection analysis summarizes the issues and estimates costs, which also supports your negotiation.
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