CANADIAN
WEALTH LAB
The Lab
YouTube
KNOW YOUR
NUMBERS.
01. 2026 Equity Stress Test Suite
Part 1: The Appraisal Gap
Original Purchase Price (2021/2022) ($)
Current Mortgage Balance ($)
Estimated 2026 Market Value ($)
Part 2: The Debt Service Wall
Gross Household Income (Annual) ($)
New Est. Monthly Mortgage Payment ($)
Annual Taxes + Heating Costs ($)
Underwriting Desk Metrics
Current LTV Ratio
102.9%
Calculated GDS Ratio
39.4%
Total Annual Housing Cost:
$47,300
FINAL LAB CHECK RESULT
REJECTION RISK
LTV exceeds 100% or GDS is past the 39% institutional line framework.
Or Get The Offline Excel Spreadsheet Asset
02. Landlord Trap Analyzer
Monthly Gross Rent ($)
Monthly Carrying Costs ($)
Monthly Cash Flow
-$500
Deficit Detected
03. Private Bridge Calculator
Principal Amount ($)
Interest Rate (%)
Monthly Interest Only
$5,000
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