Enter an address and get an instant valuation, comparable sales, neighbourhood economics, and a full mortgage qualification — the federal mortgage stress test (OSFI) and mortgage default insurance (CMHC) rules built in.
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Estimated value
$867,000
7.25%
Stress test
32%
Debt ratio
3.7%
Cap rate
What you get
A defensible estimate with an undervalued / fair / overvalued verdict and confidence level.
Real recent listings nearby, scored for similarity, with price and $/sqft side by side.
Income, rents, gross yield, cap rate, and cash-on-cash for the surrounding area.
The federal mortgage stress test (OSFI B-20) and mortgage default insurance (CMHC) rules applied automatically as you adjust the down payment.
Gross and Total Debt Service (GDS / TDS) ratios, approval likelihood, and the lenders most likely to fund the deal.
Plain-language warnings — thin rental yield, stretched ratios, or pricing above the comps.
How it works
Enter the address
Add beds, baths, square footage (sqft or sqm), and property type.
We research & run the numbers
Comparable listings are pulled and Canadian mortgage rules are applied end to end.
$867,000
Read the analysis
Six clean cards: valuation, comps, neighbourhood, mortgage, qualification, and flags.
Comparable sales (comps)
Recent nearby listings and sales of similar homes — the anchor for the valuation.
Valuation verdict
Whether the price looks undervalued, at fair market value, or overvalued versus the comps.
Federal stress test (OSFI B-20)
You must qualify at your contract rate + 2% (minimum 5.25%) — not just today's rate.
Mortgage default insurance (CMHC)
Required with less than 20% down; a premium from the Canada Mortgage and Housing Corporation is added to the loan.
Debt-service ratios (GDS / TDS)
Share of income going to housing (Gross Debt Service) and to all debts (Total Debt Service). Lenders cap these near 39% and 44%.
Neighbourhood economics
Local income, average rent, gross rental yield, cap rate, and cash-on-cash return for the area.
Pricing
Pay per analysis, or subscribe for included volume plus tools built for real estate professionals.
Standard
Pay as you go
$1.29/analysis
No monthly fee · pay only for what you analyze