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The True-Cost Stack: An Ontario Rental Underwriting Worksheet
The one-page worksheet that prices a rental the honest way — build all five carrying-cost lines before the mortgage, so no deal surprises you in year three.
PDF5 itemsFor landlords
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What's Inside
All 5 steps
- Start every underwrite from the stack, not the mortgage
- Pair every tax rate with the actual assessed value — rate is not bill
- Budget a commercial insurance line and check flood/location repricing
- For condos, read what the fee bundles and pull the reserve study
- Compare cities on net after the full stack, never on gross rent
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