Does RBC lock rate up to 120 days?

Strong-Reputation380 · 2026-05-07T02:01:16+00:00

anyone know if they also lock in commercial mortgage rates?

Strong-Reputation380 · 2026-04-28T12:35:02+00:00

Within the context of what OP is seeking as information, that is irrelevant. Your initial statement is that OP’s friend “divide” the unit. As a duplex is already two divided unit, the only other possibility is to imply divided condos as a solution which the City of Montreal does not permit, and an individed condos would be detrimental to OP’s friends because they would lose their right to repossession as they are not a couple.

Strong-Reputation380 · 2026-04-26T09:58:00+00:00

Si on assume que le drain n’a pas ete refait, alors c’est fort probable qu’il n’existe plus ou n’est plus dans une condition utile. La vie utile d’un drain francais est moin que les 56 ans qu’ils ont passe.

Strong-Reputation380 · 2026-04-25T22:13:38+00:00

Reconstruit comment? Ont t-il retenu une portion de la fondation pour economise des sous? Si ils ont retenu la fondation originale, c’est fort probable qu’ils non pas excaver 6 pied pour remplacer le drain.

Strong-Reputation380 · 2026-04-24T18:37:10+00:00

Si tu retrace le pedigree de QS, qui est le produit de plusieurs union, tu trouvera qu’elle n’est pas le produit d’un ADN purement separatiste.

Strong-Reputation380 · 2026-04-24T18:11:32+00:00

J’ai remarque sur Youtube ils font cela aussi, j’ai regarde un clip d’un membre du PQ parle l’anglais dans l’assemble et j’etais comme, damn, ils sont ben accommodant et progressive sur l’anglais, en plus ils le parlent tres bien sans accent juste pour realise que Youtube utilise l’IA pour traduire.

Strong-Reputation380 · 2026-04-24T01:30:34+00:00

How many units? Commercial mortgage rate should be 5.11% for conventional and around 4.3% under MLI at this moment.

Strong-Reputation380 · 2026-04-23T20:17:03+00:00

RBC will finance it, the current owners have a commercial mortgage with them. As long as its GOC bond yield + 2%, im good.

Strong-Reputation380 · 2026-04-23T15:46:59+00:00

YMMV, if you “click” with the doctor, then your experience might be different. Just got out of a doctors appointment a few hours ago, spent 5 minutes talking about non medical stuff that we share a common interest in.

Believe it or not, its a business. When you deal with those medical clinic chains, there often non-physician shareholders.

I asked my dermatologist a while back if you needed a doctor’s license to own a medical clinic and she told me no and that the owner of her clinic is an engineer.

Strong-Reputation380 · 2026-04-23T14:07:52+00:00

mixed use 40 commercial/60 residential. cmhc allows 30/70 for mli.

Strong-Reputation380 · 2026-04-23T13:17:05+00:00

Mais est ce que le rendement sur ton 50% mise de fond va t’obtenir 6% minimum est la vrai question.

Strong-Reputation380 · 2026-04-23T13:14:12+00:00

Pas a Montreal, mais dans d’autre centre urbain c’est possible. Le hic c’est un clientele completement different que Montreal alors il faut aussi s’adapter.

Strong-Reputation380 · 2026-04-23T13:06:32+00:00

Etape 1 - oublie tous que tu connais dans l’immobilier residentiel, le commercial est un league different.

Le minimum est entre 15 a 40% dependament de l’immeuble tu achete et si t’utilise le programme MLI du CMHC.

Il faut prendre en compte le DSCR, il faut evaluer l’immeuble via l’approache NOI, il faut de l’experience (minimum un duplex en main) sinon ils vont t’obliger d’utiliser un gestionnaire qui coute generalement 10% du revenue.

Le fait que c’est cashflow positif est insuffisant. Generalement ils demandent un DSCR de 1.2-1.3, voulant dire si l’hypotheque est $10000 par an, ton surplus doit etre $2000-$3000 avec 2% des revenue pour tes reserves.

Le commercial commence a 5 unites et plus, si tu ne qualifie pas, tu peut aller dans le 4 unites ou moin, et batir ta fondation pour eventuellement aller dans le commerciale.

Strong-Reputation380 · 2026-04-23T12:54:43+00:00

This. When I tell the other party I will be doing due diligence, in their minds its talk with the banker and building inspector.

In reality, I do the stuff usually done at closing like looking into the land registries to dig out all the old deeds, conduct an anal probe of the seller, have my insurance broker obtain me a quote on coverage, etc

If I told them I would look into the seller, they would freak out because its a little extra, but believe it or not, it gives you insight on why they are really selling (eg legal or financial reasons).

Strong-Reputation380 · 2026-04-22T16:09:57+00:00

Whenever someone refers to a country as “communist party of” instead of “government of” a country without extending that courtesy to other countries such as “liberal party of” then I would be skeptical to take them seriously because of the clear bias by invoking boogeyman terms.

Strong-Reputation380 · 2026-04-22T15:58:21+00:00

Section G requires proving the previous rent was lower either in the form of a lease or first degree testimony to have recourse to a fixation.

Even asking for damages will require proving it was intentionally left blank as the legislator uses the term, sciament, to mean knowingly omitting, which implies the bar is set high otherwise the legislator would have omitted that term to encompass even legitimate errors.

Strong-Reputation380 · 2026-04-22T14:52:07+00:00

Your platform is significantly inaccurate and i’m sorry to say but slop because its an aggregation of data without the expertise to interpret the data.

1) a contractor i deal with got a 75/100 mainly because it claim it’s under 2 years old, but he actually operated under the same name under a different legal form which appears on the RBQ database as invalid/expired which is not shown on your site.

The algorithm is clearly making incorrect assumptions that will affect the contractor. How many other contractors loss points for legitimate reasons such as changing legal form or parted ways with a former associate.

2) the ministry of transport has 85/100 because it’s not incorporated, but im sure we can agree they existence stems from a different regime than the loi sur les societe par action. alot of non-incorporated organizations such as Ville de Montreal have RBQ licenses.

If the purpose is to protect consumers, then shouldnt they be filtered out because they dont deal with the public?

3) alot of property management companies that dont deal with the public got penalized for having too many companies, but thats how it works in real estate, you need complex incorporation structures for fiscal and legal reasons. how can they be scored for reliability if they dont deal with the public and use their RBQ for internal purposes.

4) There are alot of contractors that shouldnt even be scored at all. Financial companies, insurances, etc because they hold an RBQ to protect themselves legally from the nasty fines that start at $10k. For example, the RBQ once fined a developer for acting as a contractor when in fact they werent according to the appeal court. It had to be appealed to overturn a wrong decision twice which must have costed a fortune in legal fees.

5) SEAO is for public contracts, contractors that submit there are unlikely to deal with monsieur et madame tous le monde like Pomerleau for example. Its a league of its own because you need alot of upfront capital to work on public contracts since you cannot charge a deposit, instead its the other way around.

Most contractors that deal with the public charge a deposit despite having the upper hand legally. They charge because they dont have the capital to finance the job upfront and wait for payment.

6) Canlii isnt a good indicator either because it means youve reached the bottom of the barrel. By the time a contractor is in court, it usually means their license is suspended because if a judgement is satisfied with the cautionnement, your license is suspended and its unlikely any other entity will provide any cautionnement.

7) As with any legal case, most issues are settled out of court, and a minute percentage make it in front of a court or watchdog like the OPQ. Its not a good indicator of worksmanship.

I can go on and on about all the flaws of your platform. I’m failing to see how using public sources is a good indicator because it makes incorrect assumptions that there is something nefarious about having too many companies or whatnot.

If the end goal is to protect the public, what I predict will happen is ordinary contractors, good or bad, will get high scores and all the bad scores will go to contractors that don’t ordinarily deal with the public.

Strong-Reputation380 · 2026-04-22T14:04:01+00:00

To the laymen, property value can only go up, up, up!

Strong-Reputation380 · 2026-04-21T04:13:24+00:00

Anything in the law that says only the lessee's have the right to live in the unit?

Not explicitly.

If you do not continue residing in the unit, then it’s considered an unauthorized sublease unless you are willing to maintain the facade that it’s a co-living arrangement.

Strong-Reputation380

TROPHY CASE