Matthew Lee & Sam Ho present real-time real estate scenarios at a Meetup on June 16, 2016 to the Downtown Toronto Annex Real Estate Investors group.

2. Matthew Lee, Managing Partner
matthew@volitionprop.com
(416) 937-5251
[Volition (vō-ˈli-shən): the power to make
your own choices or decisions; free will.]

3. 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

11. Real-Time Real Estate
Investor Scenario
Analysis
Helping YOU find various untapped opportunities within your
portfolios. Higher returns and faster financial freedom!!

12. 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?

13. YOUR EXISTING INVESTMENT PROPERTY
Property Value: $____500k
Mortgage Value: $____167k
Rent: $____2175
Expenses:
Property Taxes: $____342
Utilities: $____312
Insurance: $____106
Condo Fees: $____0
TOTAL: $____760
Monthly Mortgage: $____1000
Cashflow: $____415

14. YOUR EXISTING INVESTMENT PROPERTY (REFI)
Property Value: $____500k
80% Mortgage Value: $____400k
Rent: $____2175
Expenses:
Property Taxes: $____342
Utilities: $____312
Insurance: $____106
Condo Fees: $____0
TOTAL: $____760
New Monthly Mortgage: $____1526
New Cashflow: $____-111
Equity Takeout: $____233k

15. 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?

16. 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

17. (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

18. 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?

19. 20 MINUTE NETWORKING BREAK

20. Fin

21. Turn-key Investment Property Services
FIND IT: Investor-Focussed Realtor
CREATE IT: Renovations to Create Rent-Ready Properties
MANAGE IT: Property Management
Matthew Lee, Managing Partner
Sam Ho, Managing Partner
Certified Real Estate Investment Advisors (REIA)
info@volitionprop.com
(416) 937-5251

22. 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.