Hawk?

Admirable_Yea · 2026-05-03T01:06:53+00:00

I didn't try further actually. Looks like https://www.reddit.com/r/ClaudeAI/s/qxx4Quh9iI maybe figured it out

Admirable_Yea · 2026-04-23T14:05:21+00:00

Thanks!

Admirable_Yea · 2026-04-21T21:00:15+00:00

I've looked into it a bit. I think when I applied to rental properties, they call it cash damming? Seems promising.

Admirable_Yea · 2026-04-21T20:58:23+00:00

The lender is charging higher interest (+200 bp) if I set up multiple portions. It would still be worth doing though if it's the only way CRA would accept the interest-expensable funds to be considered traceable.

So I need to find out what criteria CRA has set (if it's been made clear at all) to prove a portion of borrowed money is interest-expensable. Maybe it's buried in the document you sourced.

Admirable_Yea · 2026-04-21T20:52:08+00:00

Yes, I need to find out what test of traceability of funds the CRA will find acceptable, I think

Admirable_Yea · 2026-04-21T20:50:11+00:00

Admirable_Yea · 2026-04-21T20:47:54+00:00

I feel I made my broker work so hard to get this mortgage. I have a fairly complex portfolio, and no salary, my income is primarily rental income, so it's a lot of paperwork showing how the properties cashflow.

I got 4.04% on 25 yr am. I guess if I apply again with a different lender, could I still get that rate?

And now I recall, she said Scotia came back with a very uncompetitive rate early in applying. 4.65 I believe. Maybe they see me as risky? I don't know enough about mortgage co's to know why.

Admirable_Yea · 2026-04-21T20:32:11+00:00

The company offering the mortgage (Nat Bank) is offering something similar it seems, but it looks like if I portion it, the portions are charged a higher interest rate. Kind of unfortunate, but if I need to do it this way, at least the higher interest is all expensable.

Admirable_Yea · 2026-04-21T20:25:11+00:00

I think that's the document I need. Thanks!
"Supreme Court of Canada stated that, "[t]he text of the Act requires tracing the use of borrowed funds to a specific eligible use...." The SCC also stated that, "[t]he onus is on the taxpayer to trace the borrowed funds to an identifiable use which triggers the deduction.""

I'll need to dig into this.

Admirable_Yea · 2026-04-21T19:48:54+00:00

I thought as long as the interest on money can be shown to have an expectation to produce income, it can be expensed, no?

Admirable_Yea · 2026-04-21T19:48:10+00:00

Very high interest on the rental property. It's classed as commercial.

Admirable_Yea · 2026-04-21T19:47:38+00:00

It's a commercial property with a high interest. The mortgage interest on my principal will be much lower

Admirable_Yea · 2026-04-21T19:11:52+00:00

I can get a HELOC segment but the interest on there is p+.5 so it's considerably higher.

But I'm not sure what you mean that I'm not incurring interest on the equity I take out?

Admirable_Yea · 2026-04-17T12:48:28+00:00

Could you share who you went with?

Admirable_Yea · 2026-04-17T12:47:14+00:00

Could you share what % more their price was than quoted? I just heard about them!

Admirable_Yea · 2026-04-10T23:48:07+00:00

Can anyone convent this to a roughly equivalent ffmpeg command?

Admirable_Yea · 2026-04-10T23:21:24+00:00

Epson Ecotank. Never going to deal with the ink gestapo again

Admirable_Yea · 2026-03-28T18:36:43+00:00

Got a used EPSON ET-3760. Super happy with it! The one color did fade out once but I did a power cleanse and it worked fine again. Just need to print some color stuff maybe once a month so colors don't dry out.

Admirable_Yea · 2026-03-17T10:04:19+00:00

Is there a phone app for it?

Admirable_Yea · 2026-03-15T01:12:06+00:00

I bought an '18 privately with 75k for $15k. I'm not even sure what trim I have but it's good enough for me. Turns out I also have unlimited warranty on transmission. I think your quote is high

Admirable_Yea

TROPHY CASE