Matthew Lee, Managing Partnermatthew@volitionprop.com

(416) 937-5251

[Volition (vō-ˈli-shən): the power to make your own choices or decisions; free will.]

Looking to learn tonight

A challenge you're currently facing that you can't figure out how to get past

Your next action step in Real Estate Investing

Real-Time Real Estate Investor

Scenario AnalysisHelping YOU find various untapped opportunities within your portfolios. Higher returns and faster

financial freedom!!

Real Estate Investor Scenario Analysis“How do I grow my portfolio?”

Questions to ask yourself:1. Do I have enough capital to buy all the real estate I

need?2. If not…

a. How much from savings?b. How much can I get from existing portfolio?

YOUR EXISTING INVESTMENT PROPERTY

Property Value: $____500kMortgage Value: $____167kRent: $____2175Expenses:

Property Taxes: $____342Utilities:

$____312Insurance: $____106Condo Fees: $____0TOTAL: $____760

Monthly Mortgage: $____1000Cashflow: $____415

YOUR EXISTING INVESTMENT PROPERTY (REFI)

Property Value: $____500k80% Mortgage Value: $____400kRent: $____2175Expenses:

Property Taxes: $____342Utilities:

$____312Insurance: $____106Condo Fees: $____0TOTAL: $____760

New Monthly Mortgage: $____1526New Cashflow: $____-111

Equity Takeout: $____233k

Considerations on how to proceed:1. Is this enough capital to buy another property?2. After I refi, will I still be cashflow positive?3. After I refi, if I am cashflow negative, will my new

investment produce positive cashflow to cover negative cashflow?

4. How well does the property perform at 80% LTV?5. Is this a property that I would buy today? What are

the prospects for the future?6. Am I holding on to this property because it is a

outstanding performer, or because of emotional attachment?

7. Should I sell? What would be my proceeds after all fees?

8. What would I be putting my capital into if I refi’d or sold? Is that a better investment that will help me get to my goals quicker?

9. What are the mortgage break fees? How do I minimize them? (same bank, portability, etc.)

10.How do I continue to qualify for mortgages? (refi or purchase). Do I need to “free up” financing on poorer performing properties?

11. Capital gains tax?12. Owner-occupied? Willing to move?13. Others?

Investment Property (SAMPLE)

Property Value: $____ 900k

Downpayment 20%: $____ 180k

Mortgage: $____720k

Closing Costs: $____30k

Cash Required Per Property: $____210k

Rent: $____4650

Expenses: $____900

Monthly Mortgage: $____2750

Cashflow: $____1000

(BONUS) Owner Occupied Investment Property

Property Value: $____ 900k

Downpayment 10%: $____ 90k

Closing Costs: $____30k

Cash Required Per Property: $____120k

CMHC Fees: $____20k (only extra $75/month)

Mortgage: $____830k

Rent: $____4650

Expenses: $____900

Monthly Mortgage: $____3175

Cashflow: $____575

TAKE ACTION!!Complimentary Consultation with Matthew (REIA)

Snapshot• Where are you now: How many properties do you

own, savings, RRSPs/TSFA, income?• Where do you want to go: What is your vision for

the future?• Plan: What is your plan to get there?

Investment Property• Budget: How much capital do you have?• Mortgage: How much mortgage can you qualify for?• Location: Which area do you want to buy?• Renos: Are you willing to do renos or do you want

turnkey? How much do you want to spend in renos?• # of units: Duplex or Triplex (or more?)• Tenant Profile: Who is your intended tenant profile?• Investment Strategy: What is your planned strategy

for this property?• What features are important to you: Parking?

Detached vs Semi? Wide vs. narrow lot? 2 story vs. bungalow? Side street vs. main road?

20 MINUTE NETWORKING BREAK

Fin

WE TAKE THE HEADACHE OUT OF INVESTINGTurn-key Investment Property Services

FIND IT: Investor-Focussed Realtor

CREATE IT: Renovations to Create Rent-Ready Properties

MANAGE IT: Property Management

Matthew Lee, Managing PartnerSam Ho, Managing Partner

Certified Real Estate Investment Advisors (REIA)info@volitionprop.com

(416) 937-5251

1)• July meetup ??? Casual get

together? • Street Smart Tour

2)• Join Meetup.com group to get

updates.

3)• Write down one action item that

you will commit to completing before next meetup.