{"text_format":"1","workbook":"xlsx","n_sheets":8,"sheets":["Veil","Introduction","Comparison","Qualifier","Lender Copy","FieldFinder","Parameters","Agreement"],"not_rendered":{"charts":0,"images":5,"macros":1,"external_links":2,"defined_names":18,"comments":5,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Veil","index":0,"n_rows":23,"n_cols":3,"rows_kept":23,"cut":false,"hidden":false,"merged":[]}
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[null,null,"one of three known conditions likely exists."]
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[null,null,"2.  this copy is not registered for this computer,"]
[null,null,"you can obtain subscription info by contacting"]
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[null,null,"3. you are registering a new Mortgage Mentor installation on a MAC"]
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[null,null,"after this MAC cycle completes, please try clicking the Mortgage Mentor icon again."]

{"sheet":"Introduction","index":1,"n_rows":46,"n_cols":5,"rows_kept":46,"cut":false,"hidden":true,"merged":[[44,1,44,4],[43,1,43,4],[34,3,34,4],[31,3,31,4],[32,3,32,4],[38,1,38,4],[39,1,39,4],[40,1,40,4],[41,1,41,4],[42,1,42,4],[2,2,2,5],[12,3,12,4],[16,3,16,4],[3,3,3,4],[13,4,13,5],[4,3,4,4],[5,2,5,3],[6,3,6,4],[14,4,14,5],[28,3,28,4],[29,3,29,4],[8,3,8,4],[10,3,10,4],[23,2,23,3],[26,3,26,4],[20,3,20,4],[24,3,24,4]]}
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[null,null,"This tool is best used as an active spreadsheet using Microsoft Excel."]
[null,null,null,"Please read the attached \"Agreement\" before using this tool"]
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[null,null,"the Rentalsman story"]
[null,null,null,"Like all the other Mentors, \"the Rentalsman's\" addition to the team has come from changing marketplace needs of active mortgage brokers."]
[]
[null,null,null,"Those needs surrounded the challenge of simplifying the many ways that lenders use rental income in their debt servicing and qualifying calculations.  We're experiencing: \"rent-to-income\" vs \"rental offsets\" in amounts of 50%, 70%, 80%, 90% and even 100%."]
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[null,null,null,"\"the Rentalsman's\" main focus is on properties with a rental component.  \nMost of the data shown are guidelines for properties with a rental component.\nThe exception (BONUS) is the two data columns detailing how this lender will use rent on a mortgage application for an Owner Occupied \"O/O\" property having no rental accommodations. "]
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[null,null,null,"Every Mentor has their own unique way of approaching their work.  The easiest way to get along with \"the Rentalsman\" is to first address the \"O/O or Rental\" column.  By using the column filter associated with this data you can quickly isolate product guidelines for either: "]
[null,null,null,null,"O/O Owner Occupied properties with rental income,  or "]
[null,null,null,null,"Rental properties that are not owner occupied.  "]
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[null,null,null,"Please read the Rental Income Application column headings carefully.  They are divided into:"]
[null,null,null,null,"2 transaction types:-  purchase and refinance"]
[null,null,null,null,"3 property types:  O/O with NO rent, O/O with rental income, and pure Rental properties"]
[null,null,null,null,"2 income types:- rent from this property, and rent from other properties"]
[null,null,null,"the use of income for loans on Owner Occupied properties with no rental income are coloured differently."]
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[null,null,"Comparison Tab"]
[null,null,null,"This comparison table has \"locked\" titles on both the top and left side.  This enables you to scroll throughout the spreadsheet without losing your reference titles."]
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[null,null,null,"Cells shaded like this one, indicate there are footnotes for this feature.  To automatically see the footnote on-screen, simply place your mouse pointer over that cell.  Try it here."]
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[null,null,null,"Products may be \"Filtered\" or short-listed to help you select the options that apply to your client."]
[null,null,null,"By criterion - to see the short list of the products that fit your clients: LTV, Beacon, income source, etc. simply click on the down arrow in the applicable title cell.  A drop down list of all the options  listed will appear.  Within that new drop-down list, click on the data that most closely fits your clients circumstances and a \"short-list\" of the matching lenders will be left for your review.  You can \"Filter\" on more than one title at a time.  For more details on how to perform intuitive sorts, see our Search Guide."]
[]
[null,null,null,"a \"-\" in a Cell/Box indicates that we have asked for the information and there is none that applies. "]
[null,null,null,"an \"n/a\" in a Cell/Box indicates that this factor is Not Applicable to this product."]
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[null,"Disclaimer"]
[null,{"$f":"Comparison!B129","v":"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not product ownership."}]
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[null,{"$f":"Comparison!B131","v":"Developer:- MMI Mortgage Mentor Inc."}]
[null,{"$f":"Comparison!B132","v":"Author:- R. A. (Rick) Robertson  MBI"}]
[null,{"$f":"Comparison!B133","v":"Proprietary Property of R. A. Robertson"}]
[null,{"$f":"Comparison!B134","v":"© Copyright Sept. 1, 2008 (revised through Jan 2022 )"}]
[]
[null,"Use without prior written permission of the Author is prohibited."]

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[null,null,null,"© printing or copying this page or any portion of this page, in any way, without prior written permission of the author is prohibited ",null,null,null,null,null,null,null,null,{"$f":"REPT(\" Rentalsman by MORTGAGE MENTOR     : : :    \",21)","v":" Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :     Rentalsman by MORTGAGE MENTOR     : : :    "}]
[null,"\"Building the best Broker tools since\nthe fax machine!\"\nNot updated past May 31 2018",null,null,null,"Product Selection",null,null,null,null,null,null,null,null,null,null,"Debt Servicing",null,null,null,null,null,null,null,null,"Rental Income & Application",null,null,null,null,null,null,null,null,null,null,null,null,"Property",null,null,null,null,null,null,"Rate",null,null,"Payment",null,null,null," Miscellaneous"]
[null,null,null,null," O/O\nor Rental","Lending Area","Maximum LTV's (%)","Equity\nMinimum","Personal Net Worth Minimum","Beacon Minimum","Credit","Loan Amount",null,"Purpose","Property Type","Terms Available","Insurable",null,"Un-Insurable",null,"Amortization",null,null,"Qualifying Rate",null,"Acceptable","Purchase O/O (no Suite)","Refinance O/O (no Suite)","Purchase Owner Occupied\n with Suite",null,"Refinance Owner Occupied\n with Suite",null,"Purchase Rental",null,"Refinance Rental",null,"DCR or DSC","Rental Worksheet","Property Type",null,null,"Suite\nStatus","Company Owned","Max # of \n Non O/O Rental Props.","Rooming Houses","Deal Rate","Rate","Rate Hold Period","Payment Options","Payment Increase","Annual Prepayment (%)","Payout Interest penalty","Application Fee","Appraisal","Mortgage Risk Insurance","Ins. Prem added to Mortgage","Title Insurance","Portable","Assumable"," Switch  \"in\"","Refinance","Product Advantage"]
[null,null,null,null,null,null,null,null,null,null,null,"Minimum","Maximum",null,null,null,"GDS %","TDS %","GDS %","TDS %","Insurable","Un-Insurable","Minimum","Insurable","Un-Insurable","Proof of Rent",null,null,null,null,null,null,null,null,null,null,null,null,"O/O \nwith Suite(s)","1 - 4 rental units","  4 +  rental units",null,null,null,null,null,"Buy Down"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Documents","rent from other property","rent from other property","rent in this property","rent from other property","rent in this property","rent from other property","rent in this property","rent from other property","rent in this property","rent from other property"]
[null,"Column Finder - click here."]
["C.G.","Canada Guaranty - ( several O/O )",null,null,"O/O","National",95,"5% \n5%+10%","n/a","varies","Per Lender","Per Lender","$925,000 plus insurance","Purch","O/O to 4 units","Several","35/39","42/44","n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","50% Rent-Inc. \nsee comment","n/a","50% Rent-Inc. \nsee comment","50% Rent-Inc.\n see comment","n/a","n/a","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Legal","w/Personal Guarantee","No Limit","No","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","If requested","Canada Guaranty","client choice","Per Lender","Yes","Per Lender","Per Lender","No","Per Lender"]
["C.G.","Canada Guaranty - ( several O/O )\n    O/O Vancouver, Victoria, Nanaimo 2 units",null,null,"O/O","National",95,"5% \n5%+10%","n/a","varies","Per Lender","Per Lender","$925,000 plus insurance","Purch","O/O to 2 units","Several","35/39","42/44","n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","50% Rent-Inc. \nsee comment","n/a","100% Rent-Inc.","50% Rent-Inc.\n see comment","n/a","n/a","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Legal","w/Personal Guarantee","No Limit","No","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","If requested","Canada Guaranty","client choice","Per Lender","Yes","Per Lender","Per Lender","No","Per Lender"]
["C.G.","Canada Guaranty - ( Rental Advantage )",null,null,"Rental","National",80,"Own Resources",100000,660,"Per Lender","Per Lender",799999,"Purch","max 4 units, \nnon-owner-occupied","Several","39",40,"n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","50% Rent- Inc. \nsee comment","n/a","n/a"," -","-","No","2 to 4","No","Legal","w/Personal Guarantee","No Limit","No","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","Yes\n ordered by C.G.","Canada Guaranty","Per Lender","Per Lender","Yes","Per Lender","Per Lender","No","Per Lender"]
["CMHC","CMHC  - ( O/O - 2 Units  Beacon 680 ) ",null,null,"O/O","National",95,"Own Resource, Borrowed or Gift","n/a",680,"Strong","Per Lender","$925,000 plus insurance","Purch, Purch Plus Improv.","O/O 2 units","Per Lender",39,44,"n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","2 year history\nor Appraisal","Net Rent","n/a","100% Rent-Inc.","Net Rent","n/a","n/a","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Legal or Conforming","Per Lender","Per Lender"," -","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","No","CMHC","client choice","Per Lender"," -","Per Lender"," -","No","Per Lender"]
["CMHC","CMHC  - ( O/O - 2 to 4  Units )",null,null,"O/O","National",95,"Own Resource, Borrowed or Gift","n/a","see comment","Per Lender","Per Lender","$925,000 plus insurance","Purch, Purch Plus Improv.","O/O to 4 units","Per Lender","35/39","42/44","n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","Net Rent","n/a","50% Rent-Inc.","Net Rent","n/a","n/a","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Legal or Conforming","Per Lender","Per Lender"," -","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","No","CMHC","client choice","Per Lender"," -","Per Lender"," -","No","Per Lender"]
["CMHC","CMHC  - ( Income Property  2-4 Units )",null,null,"Rental","National",80,"Savings, Borrowed, Sweat Equity, Grant","n/a","see comment","Per Lender","Per Lender",799999,"Purch, Purch Plus Improv.","Residential 2-4 units, \nno commercial content","Per Lender","35/39","42/44*","n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","Net Rent","n/a","n/a"," -","-","No","2 to 4","No","Legal","Yes","Per Lender"," -","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","No","CMHC","Per Lender","Per Lender","emili","Per Lender"," -","No","Per Lender"]
["CMHC","CMHC  - ( 5+ or Multi-Unit properties )",null,null,"Rental","National",80,"Own Resources",100000,"see comment","Per Lender","Per Lender","Per Lender","Purch, ReFi","Per Lender","Per Lender","see O/O","42/44","n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","n/a","n/a","n/a","n/a","n/a","n/a","DCR \nsee comment","DCR \nsee comment","n/a","n/a"," -","-","No","2 to 4","Yes","Legal","Per Lender","Per Lender"," -","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","No","CMHC","Per Lender","Per Lender"," -","Per Lender"," -","No","Per Lender"]
["Genworth","Genworth - ( Owner Occupied w / Rental )",null,null,"O/O","National",95,"5% \n5%+10%","n/a",600,"Good","Per Lender","$925,000 plus insurance","Purch, Purch Plus Improv.","O/O to 4 units","Per Lender","35/39","42/44","n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","50% Rent-Inc. or T1 option","n/a","50% Rent-Inc.","50% Rent-Inc. or T1 option","n/a","n/a","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","Any","No","No Limit","No","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","If requested","Genworth","client choice","Per Lender","Per Lender","Per Lender","Per Lender","No","Per Lender"]
["Genworth","Genworth - ( Owner Occupied w / Rental )\n                           Vancouver, Victoria 2 units",null,null,"O/O","National",95,"5% \n5%+10%","n/a",600,"Good","Per Lender","$925,000 plus insurance","Purch, Purch Plus Improv.","O/O to 2 units","Per Lender","35/39","42/44","n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","50% Rent-Inc. or T1 option","n/a","100% Rent-Inc.","50% Rent-Inc. or T1 option","n/a","n/a","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","Any","No","No Limit","No","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","If requested","Genworth","client choice","Per Lender","Per Lender","Per Lender","Per Lender","No","Per Lender"]
["Genworth","Genworth - ( Investment Property )",null,null,"Rental","National",80,"20% Own Resources","n/a",640,"Strong - 2 years","Per Lender",799999,"Purch, Purch Plus Improv.","Residential 2-4 units, \nnon-owner-occupied","Per Lender"," -",40,"n/a","n/a",25,"n/a","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","per Lender","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n or current T1","n/a","n/a"," -"," -","No","Yes","No","conforming preferred","w/Personal Guarantee","Per Lender","No","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","Per Lender","No","If requested","Genworth","Per Lender","Per Lender","Yes","On Qual","Per Lender","No","Only non-Owner Occupied rental insurance product"]
["B2B Bank","B2B Bank - ( O/O Rental Qualified Insurable)",null,null,"O/O","National",95,"Own Resources, Gift, Cash-Back","Positive",600,"Good",50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv.","Residential 2-4 units O/O","1 - 10 Yrs, VRM, 1yr Open\n 6mo Open & Convertible",39,44," -"," -",25," -","Term","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, Appraiser","85% Offset or T1","85% Offset or T1","50% Rent-Inc. \n100% Rent-Inc.","85% Offset or T1","50% Rent-Inc. \n100% Rent-Inc.","85% Offset or T1","n/a","n/a","n/a","n/a","-"," -","Yes","No","No","Legal","No","4 see comment","No","Best","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","CMHC, Genworth","Yes","Always","Yes","On Qual","Yes","Yes","Rental Offset and T1 options make qualifying easier"]
["B2B Bank","B2B Bank - ( O/O Rental Qualified Un-Insurable)",null,{"$f":"VLOOKUP(A19,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",80,"Own Resources, Gift, Cash-Back","Positive",600,"Good",50000,"$1,250,000 $2,000,000","Purch, ReFi, ETO","Residential 2-4 units O/O","1 - 10 Yrs, VRM, 1yr Open\n 6mo Open & Convertible"," -"," -","35/39","42/44"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","85% Offset or T1","85% Offset or T1","50% Rent-Inc.","85% Offset or T1","50% Rent-Inc. \n100% Rent-Inc.","85% Offset or T1","n/a","n/a","n/a","n/a","-"," -","Yes","No","No","Legal","No","4 see comment","No","Best","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","CMHC, Genworth","Yes","Always","Yes","On Qual","Yes","Yes","Rental Offset and T1 options make qualifying easier"]
["B2B Bank","B2B Bank - ( O/O Rental Stated Income )",null,{"$f":"VLOOKUP(A20,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",90,"Own Resources, Gift, Cash-Back","Positive",600,"Good",50000,750000,"Purch, ReFi, ETO","Residential 2 units O/O","1 - 10 Yrs, VRM, 1yr Open\n 6mo Open & Convertible",39,44,"35/39","42/44",25,"30 / 35","Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","100% Offset or T1","100% Offset or T1","50% Rent-Inc.","85% Offset or T1","50% Rent-Inc.","85% Offset or T1","n/a","n/a","n/a","n/a","-"," -","Yes","No","No","Legal","No","4 see comment","No","Best","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","Genworth","Yes","Always","Yes","On Qual","Yes","Yes","Rental Offset and T1 options make qualifying easier"]
["B2B Bank","B2B Bank - ( O/O Rental Credit Rebuild )",null,null,"O/O","National",65,0.35,"Positive",540,"Bankrupt & Counselling",50000,750000,"Purch, ReFi, ETO","Residential 2 units O/O","1,2,3,4,5 yr"," -"," -"," -","40/45"," -","25/30/35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","100% Offset or T1","100% Offset or T1","50% Rent-Inc.","100% Offset \nor T1","50% Rent-Inc.","100% Offset \nor T1","n/a","n/a","n/a","n/a","-"," -","Yes","No","No","Legal","No","4 see comment","No","Best","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","fee \ncase-by-case","fee \ncase-by-case","Always","Yes","On Qual","Yes","Yes","Very few lenders in this niche"]
["B2B Bank","B2B Bank - ( O/O Rental - Equity 50 & 65 )",null,null,"O/O","National","50 / 65","35% - 50%","Positive",660,"\"A-\" to Bankrupt & Counselling",50000,400000,"Purch, ReFi, ETO","O/O max 2 units","1,2,3,4,5 yr"," -"," -"," -","50/65"," -","30 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","100% Offset or T1","100% Offset or T1","50% Rent-Inc.","100% Offset \nor T1","50% Rent-Inc.","100% Offset \nor T1","n/a","n/a","n/a","n/a","-"," -","Yes","No","No","Legal","No","4 see comment","No","Best +.25%","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","fee \ncase-by-case","fee \ncase-by-case","Always","Yes","On Qual","Yes","Yes","Very few lenders in this niche"]
["B2B Bank","B2B Bank - ( O/O Rental New Professional )",null,{"$f":"VLOOKUP(A23,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",80,"10% Own Resource, plus Gift","Positive",580,"\"A -\"",50000,1000000,"Purch, ReFi, ETO","O/O max 2 units","1 - 10 Yrs, VRM, 1yr Open\n 6mo Open & Convertible"," -"," -","35/39","42/44"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","100% Offset or T1","100% Offset or T1","80% Offset","85% Offset or T1","80% Offset","85% Offset or T1","n/a","n/a","n/a","n/a","-"," -","Yes","No","No","Legal","No","4 see comment","No","Best","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","fee \ncase-by-case","fee \ncase-by-case","Always","Yes","On Qual","Yes","Yes","Very few lenders in this niche"]
["B2B Bank","B2B Bank - ( Non-O/O Rental  CMHC )",null,{"$f":"VLOOKUP(A24,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",80,"10% Own Resource, plus Gift","Positive",580,"\"AA\"\nwith Net Worth","$50,000 2dr $75,000 3-4",500000,"Purch","Residential 1-4 units","1 - 10 Yrs, VRM, 1yr Open\n 6mo Open & Convertible",39,44," -"," -",25," -","Term","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","85% Offset or T1","50% Rent-Inc.","85% Offset or T1","-"," -","n/a","Yes","No","Legal - CMHC","No","4 see comment","No","Best +.25%","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","CMHC, Genworth","fee \ncase-by-case","Always","Yes","On Qual","Yes","Yes","Can use CMHC Non-Traditional Down Payment program"]
["B2B Bank","B2B Bank - ( Non-O/O Rental  Genworth )",null,null,"Rental","National",80,"10% Own Resource, plus Gift","Positive",580,"\"AA\"\nwith Net Worth","$50,000 2dr $75,000 3-4",500000,"Purch","Residential 1-4 units Rental","1 - 10 Yrs, VRM, 1yr Open\n 6mo Open & Convertible",39,44," -"," -",25," -","Term","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","85% Offset or T1","80% Offset","85% Offset or T1","-"," -","n/a","Yes","No","n/a Genworth","No","4 see comment","No","Best +.25%","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","CMHC, Genworth","fee \ncase-by-case","Always","Yes","On Qual","Yes","Yes","Can use CMHC Non-Traditional Down Payment program"]
["B2B Bank","B2B Bank - ( Non-O/O Rental   NOT Insured )",null,null,"Rental","National",75,"10% Own Resource, plus Gift","Positive",620,"Good","$50,000 2dr $75,000 3-4",500000,"Purch, ReFi, ETO","Residential 1-4 units Rental","1 - 10 Yrs, VRM, 1yr Open\n 6mo Open & Convertible",39,44,"35/39","42/44"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","85% Offset or T1","50% Rent-Inc.","85% Offset or T1","-","   ","n/a","Yes","No","Legal \"preferred\"","No","4 see comment","No","Best +.25%","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","CMHC, Genworth","fee \ncase-by-case","Always","Yes","On Qual","Yes","Yes","Can use CMHC Non-Traditional Down Payment program"]
["B2B Bank","B2B Bank -           ( Non-O/O Rental  \n               Expanded: BFS, New Professional )",null,null,"Rental","National",75,"10% Own Resource, plus Gift","Positive",650,"\"A -\"",75000,500000,"Purch, ReFi, ETO","Residential 1-2 units, Rental","1 - 10 Yrs, 1yr Open\n 6mo Open & Convertible"," -"," -","35/39","42/44"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","100% Offset or T1","80% Offset","100% Offset or T1","-"," -","n/a","Yes","No","Legal \"preferred\"","Holding Co.","4 see comment","No","Best +.25%","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","n/a","1% fee \nmost cases","Always","Yes","On Qual","No","Yes","Very few lenders in this niche"]
["B2B Bank","B2B Bank -           ( Non-O/O Rental \n               Alternative: BFS, New Professional )",null,{"$f":"VLOOKUP(A28,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",65,"10% Own Resource, plus Gift","Positive",580,"\"A -\"",75000,500000,"Purch, ReFi, ETO","Residential 1-4 units Verified, \n1-2 units Stated","1,3,4,5 yr"," -"," -"," -","42 / .75"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","100% Offset or T1","80% Offset","100% Offset or T1","-"," -","n/a","Yes","No","Legal \"preferred\"","Holding Co.","4 see comment","No","Best +.25%","Yes","120 day","w,bw,m",15,15,"3mo","No","Yes","n/a","1% fee \nmost cases","Always","Yes","On Qual","No","Yes","Very few lenders in this niche"]
["Bridgewater Bank","Bridgewater - ( 80% Gateway O/O )",null,null,"O/O","BC AB SK MB ON",80,"20% Own Resource","n/a","550-500","-",100000,750000,"Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 units, Second Home, Vacation, Mobile","1,2,3 yr"," -"," -",45,50," -","25 / 30",16," -","Deal Rate +2.00%","Appraiser, T776","T1 or BWB sheet =80% Offset","T1 or BWB sheet =80% Offset","50% Rent-Inc.","T1 or BWB sheet =80% Offset","50% Rent-Inc.","T1 or BWB sheet =80% Offset","n/a","n/a","n/a","n/a","-","-","Yes","No","No","Legal & Conforming","No","No Limit\n 4 with BwB","No","Gateway","No","10/60 day","sm,m",20,20,"3%-yr1, 2%-yr2, 1%-yr3","-","Solidifi","n/a","n/a","Always","Straight","On Qual","No","Yes","80% O/O Rental with \"bruised\" credit"]
["Bridgewater Bank","Bridgewater - ( 65% Gateway O/O )",null,{"$f":"VLOOKUP(A30,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC AB SK MB ON",65,"20% Own Resource","n/a","550-500","min Discharged",100000,750000,"Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 units, Second Home, Vacation, Mobile","1,2,3 yr"," -"," -",45,50," -","25 / 30",16," -","Deal Rate +2.00%","Appraiser, T776","Net Rents","Net Rents","50% Rent-Inc.","T1 or BWB sheet =80% Offset","50% Rent-Inc.","T1 or BWB sheet =80% Offset","n/a","n/a","n/a","n/a","-","-","Yes","No","No","Legal & Conforming","No","No Limit\n 4 with BwB","No","Gateway","No","10/60 day","sm,m",20,20,"3%-yr1, 2%-yr2, 1%-yr3","-","Solidifi","n/a","n/a","Always","Straight","On Qual","No","Yes","65% O/O Rental with:\n Low Beacon, all income types."]
["Bridgewater Bank","Bridgewater - ( 75% Gateway Rental )",null,{"$f":"VLOOKUP(A31,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB ON",75,"25%\n5% Own Resource",50000,600,"min Discharged",100000,750000,"Purch, ReFi, ETO,\npay CRA & Taxes","Residential 1-4 units Rental","1,2,3 yr"," -"," -",45,50," -",25,16," -","Deal Rate +2.00%","Appraiser, T776","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","T1 or BWB sheet =80% offset","50% Rent-Inc.","T1 or BWB sheet =80% offset","-","Lenders Own","n/a","Yes","No","Legal & Conforming","No","No Limit\n 4 with BwB","No","Gateway","No","10 / 60 day","sm,m",20,20,"3%-yr1, 2%-yr2, 1%-yr3","-","Solidifi","n/a","n/a","Always","Straight","On Qual","No","Yes","80% O/O Rental with \"bruised\" credit"]
["Bridgewater Bank","Bridgewater - \n ( 65% Gateway Declared Income NIQ Rental )",null,{"$f":"VLOOKUP(A32,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB ON",65,"35% \n5% Own Resource",50000,680,"min Discharged",100000,750000,"Purch, ReFi, ETO,\npay CRA & Taxes","Residential 1-4 units Rental","1,2,3 yr"," -"," -",45,50," -",25,16," -","Deal Rate +2.00%","Appraiser, T776","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","T1 or BWB sheet =80% offset","50% Rent-Inc.","T1 or BWB sheet =80% offset","-","Lenders Own","n/a","Yes","No","Legal & Conforming","No","No Limit\n 4 with BwB","No","Gateway","No","10 / 60 day","sm,m",20,20,"3%-yr1, 2%-yr2, 1%-yr3","-","Solidifi","n/a","n/a","Always","Straight","On Qual","No","Yes","65% O/O Rental with:\n Low Beacon, all income types."]
["Bridgewater Bank","Bridgewater - \n                       ( 65% Gateway OPEN Rental )",null,{"$f":"VLOOKUP(A33,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB ON",65,"35% \n5% Own Resource",50000,680,"min Discharged",100000,750000,"Purch, ReFi, ETO,\npay CRA & Taxes","Residential 1-4 units Rental","1 yr"," -"," -",45,50," -",25,16," -","Deal Rate +2.00%","Appraiser, T776","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","T1 or BWB sheet =80% offset","50% Rent-Inc.","T1 or BWB sheet =80% offset","-","Lenders Own","n/a","Yes","No","Legal & Conforming","No","No Limit\n 4 with BwB","No",5.9900000000000002E-2,"No","10 / 60 day","sm,m",20,"Open","Open","-","Solidifi","n/a","n/a","Always","Straight","On Qual","No","Yes","Uncommon - OPEN product for Rentals"]
["Canadiana Financial","Canadiana \n           ( CMHC  2-4 Units Owner Occupied )",null,{"$f":"VLOOKUP(A34,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces exc. PQ",95,"Own Resource, Borrowed or Gift","n/a",620,"Good",75000,"$925,000 \nplus ins.","Purch, Plus Improv.","O/O to 4 units","1,2,3,4,5 yr \n5yr ARM","35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, Appraiser, T776","Net Rent","n/a","50% Rent-Inc.","80% Offset","n/a","n/a","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Legal","No","4 mortgaged","No","Based on LTV","Yes","60 day","w,bw,sm,m",20,"20\nMatch & Miss","3mo or IRD","No","Solidifi\n see comment","CMHC","Yes","Req'd\n FCT","Yes","On Qual","No Fee","Yes","Canadiana Underwriters will look for, and suggest, ways to make the deal work"]
["Canadiana Financial","Canadiana\n             ( CMHC  1 - 4 units Rental )",null,{"$f":"VLOOKUP(A35,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB ON",80,"Own Resources","n/a",650,"Strong - 2 years",100000,"$600,000\n$999,999","Purch, ReFi, ETO","Residential 1-4 units Rental","5 yr \n5 ARM"," -"," -"," -",40," -","25 / 30","18 / 15","5yr Benchmark","5yr Benchmark","Lease, Appraiser, T776","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n50% Rent-Inc.","80% Offset","80% Offset\n50% Rent-Inc."," -","Lenders Own","No","Yes","No","Legal","Holding Co.","4 mortgaged","No","Based on LTV","Yes","90 day","w,bw,sm,m",20,"20\nMatch & Miss","3mo","No","Solidifi / NAS\n see comment","CMHC","65%-80%","Req'd\n FCT","Yes","On Qual","No","Yes","Canadiana Underwriters will look for, and suggest, ways to make the deal work"]
["CMLS","CMLS - ( Owner Occupied w / Rental )\n                                               High Ratio",null,{"$f":"VLOOKUP(A36,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC AB SK MB ON",95,"5% Own Resources","n/a",600,"Good",50000,"$925,000 $750,000","Purch, Purch Plus Improv.","O/O max 4 units","1,2,3,4,5,7,10 yr \n3,5 ARM","35/39","42/44"," -"," -",25," -",10,"<5yr Benchmark\n 5yr+ deal rate"," -","Lease, BC-RTA, Appraiser, T776","Net Rent\n =80+% Offset","n/a","50% Rent-Inc. \n100% Rent-Inc.","Net Rent\n =80+% Offset","n/a","n/a","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","UnAuth. If Conforming","No",3,"No","Best","Yes","120 day","w,bw,sm,m",20,20,"3mo or IRD","No","Auto-Valuation","Genworth","Yes","Always","Yes","On Qual","Yes","Low Cost FCT"," -"]
["CMLS","CMLS - ( Owner Occupied w / Rental )\n                                  Conventional Insurable",null,{"$f":"VLOOKUP(A37,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC AB SK MB ON",80,"20% Own Resources","n/a",600,"Good",50000,"$925,000 $750,000","Purch, Purch Plus Improv.","O/O max 4 units","1,2,3,4,5,7,10 yr \n3,5 ARM","35/39","42/44"," -"," -",25," -",10,"<5yr Benchmark\n 5yr+ deal rate"," -","Lease, BC-RTA, Appraiser, T776","Net Rent\n =80+% Offset","n/a","50% Rent-Inc. \n100% Rent-Inc.","Net Rent\n =80+% Offset","n/a","n/a","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","UnAuth. If Conforming","No",3,"No","Best","Yes","120 day","w,bw,sm,m",20,20,"3mo or IRD \nsee comment","No","Auto-Valuation","Genworth","Yes","Always","Yes","On Qual","Yes","Low Cost FCT"," -"]
["CMLS","CMLS - CONNECT   Conventional Un-Insurable\n            ( Owner Occupied w / Rental )",null,{"$f":"VLOOKUP(A38,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC ON","70 / 80","20% Own Resources","n/a","680 / 720","Strong - 2 years",50000,1000000,"Purch, Purch Plus Improv.","O/O to 4 units, Second Home","5, 5 ARM"," -"," -","35/39","42/44"," -","25 / 30",10," -","5yr Benchmark","Lease, BC-RTA, Appraiser, T776",null,null,"50% Rent-Inc.","Net Rent\n =80+% Offset","50% Rent-Inc.","Net Rent\n =80+% Offset","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","UnAuth. If Conforming","No",3,"No","Best","Yes","120 day","w,bw,sm,m",20,20,"3mo or IRD","No","Lender List","n/a","n/a","Always","Yes","On Qual","Yes","Low Cost FCT"," -"]
["CMLS","CMLS - ( Investment Property - Insurable )",null,{"$f":"VLOOKUP(A39,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB ON",80,"20% Own Resources","principle residence",600,"Strong - 2 years",50000,750000,"Purch, Purch Plus Improv.","Residential 2-4 units Rental","1,2,3,4,5,7,10 yr \n3,5 ARM"," -","40"," -"," -",25," -",10,"<5yr Benchmark\n 5yr+ deal rate"," -","Lease, BC-RTA, Appraiser, T776","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","Net Rent\n =80+% Offset","80% Offset","Net Rent\n=80+% Offset","-"," -","No","Yes","No","conforming preferred","No",3,"No","Best + 5bps","Yes","120 day","w,bw,sm,m",20,20,"3mo or IRD","No","Auto-Valuation","Genworth","65%-80%","Always","Yes","On Qual","No","Low Cost FCT"," -"]
["CMLS","CMLS - CONNECT\n            ( Investment Property - Un-Insurable )",null,{"$f":"VLOOKUP(A40,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC ON","70 / 80","20% Own Resources","principle residence","680 / 720","Strong - 2 years",50000,1000000,"Purch, Purch Plus Improv.","Residential 1-4 units* Rental","5, 5 ARM"," -"," -","35/39","42/44"," -","25 / 30",10," -","Deal Rate +2.00% ~ Fixed \n5yr Benchmark ~ ARM","Lease, BC-RTA, Appraiser, T776","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","Net Rent\n =80+% Offset","50% Rent-Inc.","Net Rent\n =80+% Offset","-"," -","No","Yes","No","conforming preferred","No",3,"No","Best + 15bps","Yes","120 day","w,bw,sm,m",20,20,"3mo or IRD","No","Lender List","n/a","n/a","Always","Yes","On Qual","No","Low Cost FCT"," -"]
["CMLS","CMLS -  AVEO\n          ( O/O w/Rental - Provable Income 80% )",null,{"$f":"VLOOKUP(A41,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","limited - BC AB SK Wpg ON",80,"20%  5% Own Resource +Gift,  None Borrowed","n/a",600,"see Comments",100000,"$1,000,000 \nor less","Purch, ReFi, ETO \npay: CRA, GST, Derogatory Credit","O/O Residential 2-4 units","1,2,3 yr"," -"," -","39/44/50","44/44/50"," -","25 / 35",25," -","Deal Rate +2.00%","Appraiser","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","n/a","n/a","n/a","n/a","DCR","Lenders Own","Yes","No","No","conforming preferred","No",3,"No","Deal Q10 Based","No","60 day","w,bw,sm,m","n/a",20,"3%, 2%, 1%","1-2% \n+ Admin Fee","SOLIDIFI","n/a","n/a","Always","Yes","On Qual","No","Solicitor","LOWER credit score \"mortgage helper\" financing"]
["CMLS","CMLS - AVEO ( Rental - Provable Income 80% )",null,{"$f":"VLOOKUP(A42,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","limited - BC AB SK Wpg ON",80,"20%  5% Own Resource +Gift,  None Borrowed",50000,600,"see Comments",100000,"$1,000,000 \nor less","Purch, ReFi, ETO \npay: CRA, GST, Derogatory Credit","Residential 1-4 units Rental","1,2,3 yr"," -"," -","39/44/50","44/44/50"," -","25 / 35",25," -","Deal Rate +2.00%","Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DCR","Lenders Own","No","Yes","No","conforming preferred","No",3,"No","Deal Q10 Based","No","60 day","w,bw,sm,m","n/a",20,"3%, 2%, 1%","1-2% \n+ Admin Fee","SOLIDIFI","n/a","n/a","Always","Yes","On Qual","No","Solicitor","LOWER credit score Rental financing"]
["CMLS","CMLS - AVEO\n               ( O/O w/Rental- Stated Income 65% )",null,{"$f":"VLOOKUP(A43,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","limited - BC AB SK Wpg ON",65,"35%  5% Own Resource +Gift,  None Borrowed","n/a","680\npreferred","see Comments",100000,"$750,000 $500,000","Purch, ReFi, ETO \npay: CRA, GST, Derogatory Credit","O/O Residential 2-4 units","1,2,3 yr"," -"," -",45,50," -",30,25," -","higher of 5yr Benchmark or Deal Rate +2.00%","Appraiser","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","n/a","n/a","n/a","n/a","DCR","Lenders Own","Yes","No","No","conforming preferred","No",3,"No","Deal Q10 Based","No","60 day","w,bw,sm,m","n/a",20,"3%, 2%, 1%","1-2%","Always\nCMLS list","n/a","n/a","Always","Yes","On Qual","No","Low Cost FCT","Stated Income O/O with rental"]
["CMLS","CMLS - AVEO ( Rental - Stated Income 65% )",null,{"$f":"VLOOKUP(A44,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","limited - BC AB SK Wpg ON",65,"35%  5% Own Resource +Gift,  None Borrowed",50000,"680\npreferred","see Comments",100000,"$750,000 $500,000","Purch, ReFi, ETO \npay: CRA, GST, Derogatory Credit","Residential 1-4 units Rental","1,2,3 yr"," -"," -",45,50," -","25 / 30",25," -","higher of 5yr Benchmark or Deal Rate +2.00%","Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DSCR \nsee comment","DCR","Lenders Own","No","Yes","No","conforming preferred","No",3,"No","Deal Q10 Based","No","60 day","w,bw,sm,m","n/a",20,"3%, 2%, 1%","1-2%","Always\nCMLS list","n/a","n/a","Always","Yes","On Qual","No","Low Cost FCT","Stated Income rental"]
["Equitable Bank","Equitable Bank  ~  YES YOU CAN\n               ( O/O w /Rental  high ratio  Atlantic )",null,{"$f":"VLOOKUP(A45,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","NB NL NS PEI",85,"15% - Savings, Gifted  Borrowed, VTB","n/a",600,"see Comments",75000,"No Max","Purch, ReFi, ETO","O/O Residential 2-4 units","1,2,3 yr"," -"," -","35/39","42/44"," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","80% Offset","80% Offset","100% Rent-Inc.","80% Offset","100% Rent-Inc.","80% Offset","n/a","n/a","n/a","n/a","-","-","Yes","No","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD","Yes","Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance"]
["Equitable Bank","Equitable Bank \n         ( O/O w /Rental  Conventional  Atlantic )",null,{"$f":"VLOOKUP(A46,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","NB NL NS PEI",75,"25% - Savings, Gifted  Borrowed, VTB","n/a",0,"see Comments",75000,"No Max","Purch, ReFi, ETO","O/O Residential 2-4 units","1,2,3,4,5 yr \n3,5 ARM, 1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","80% Offset","80% Offset","100% Rent-Inc.","80% Offset","100% Rent-Inc.","80% Offset","n/a","n/a","n/a","n/a","-","-","Yes","No","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD","Yes","Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance"]
["Equitable Bank","Equitable Bank -\n      ( Rental - Stated & Commission  Atlantic )",null,{"$f":"VLOOKUP(A47,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","NB NL NS PEI",70,"Own Resources, Gift, Borrowed, VTB","n/a",600,"Good",75000,"No Max","Purch, ReFi, ETO","Residential 1-4 units Rental","1,2,3,4,5 yr"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n100% Rent-Inc. ","80% Offset","80% Offset\n100% Rent-Inc. "," -","  -","No","Yes","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD",0.02,"Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","Stated & Commission rentals"]
["Equitable Bank","Equitable Bank -   ( Rental - OPEN Atlantic )",null,{"$f":"VLOOKUP(A48,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","NB NL NS PEI",70,"Own Resources, Gift, Borrowed, VTB","n/a",600,"Good",75000,"No Max","Purch, ReFi, ETO","Residential 1-4 units Rental","1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n100% Rent-Inc. ","80% Offset","80% Offset\n100% Rent-Inc. "," -","  -","No","Yes","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a","Open","3mo or IRD",0.02,"Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","RARE ~ Open Rental financing"]
["Equitable Bank","Equitable Bank  ~  YES YOU CAN\n              ( O/O w /Rental  high ratio  Ontario )",null,{"$f":"VLOOKUP(A49,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Ontario",85,"15% - Savings, Gifted  Borrowed, VTB","n/a",550,"see Comments",75000,"No Max","Purch, ReFi, ETO","O/O Residential 2-4 units","1,2,3 yr"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","80% Offset","80% Offset","100% Rent-Inc.","80% Offset","100% Rent-Inc.","80% Offset","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD","Yes","Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance"]
["Equitable Bank","Equitable Bank -  YES YOU CAN\n                          ( Rental  high ratio  Ontario )",null,{"$f":"VLOOKUP(A50,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Ontario",85,"15% - Savings, Gifted  Borrowed, VTB","n/a",640,"see Comments",75000,"No Max","Purch ","Residential to 4 units","1,2,3 yr"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n100% Rent-Inc. ","80% Offset","80% Offset\n100% Rent-Inc. "," -","-","Yes","No","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD","Yes","Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance"]
["Equitable Bank","Equitable Bank\n          ( O/O w /Rental  Conventional  Ontario )",null,{"$f":"VLOOKUP(A51,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Ontario",80,"20% - Savings, Gifted  Borrowed, VTB","n/a",0,"see Comments",75000,"No Max","Purch, ReFi, ETO","O/O Residential 2-4 units","1,2,3,4,5 yr \n3,5 ARM, 1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","80% Offset","80% Offset","100% Rent-Inc.","80% Offset","100% Rent-Inc.","80% Offset","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD","Yes","Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance"]
["Equitable Bank","Equitable Bank -\n       ( Rental  - Stated & Commission Ontario )",null,{"$f":"VLOOKUP(A52,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Ontario",85,"Own Resources, Gift, Borrowed, VTB","n/a",640,"see Comments",75000,"No Max","Purch, ReFi, ETO","Residential 1-4 units Rental","1,2,3,4,5 yr \n3,5 ARM, 1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n100% Rent-Inc. ","80% Offset","80% Offset\n100% Rent-Inc. "," -","-","No","Yes","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD",0.01,"Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","Stated & Commission rentals"]
["Equitable Bank","Equitable Bank -   ( Rental - OPEN Ontario )",null,{"$f":"VLOOKUP(A53,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Ontario",70,"Own Resources, Gift, Borrowed, VTB","n/a",600,"Good",75000,"No Max","Purch, ReFi, ETO","Residential 1-4 units Rental","1,2,3,4,5 yr \n3,5 ARM, 1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n100% Rent-Inc. ","80% Offset","80% Offset\n100% Rent-Inc. "," -","  -","No","Yes","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a","Open","3mo or IRD",0.02,"Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","RARE ~ Open Rental financing"]
["Equitable Bank","Equitable Bank  ~  YES YOU CAN\n                 ( O/O w /Rental  high ratio  West )",null,{"$f":"VLOOKUP(A54,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC AB SK MB",85,"15% - Savings, Gifted  Borrowed, VTB","n/a",600,"see Comments",100000,"No Max","Purch, ReFi, ETO","O/O Residential 2-4 units","1,2,3,4,5 yr \n3,5 ARM, 1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","80% Offset","80% Offset","100% Rent-Inc.","80% Offset","100% Rent-Inc.","80% Offset","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Legal","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD","Yes","Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance"]
["Equitable Bank","Equitable Bank \n            ( O/O w /Rental  Conventional  West )",null,{"$f":"VLOOKUP(A55,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC AB SK MB",80,"20% - Savings, Gifted  Borrowed, VTB","n/a",0,"see Comments",100000,"No Max","Purch, ReFi, ETO","O/O Residential 2-4 units","1,2,3,4,5 yr \n3,5 ARM, 1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","80% Offset","80% Offset","100% Rent-Inc.","80% Offset","100% Rent-Inc.","80% Offset","n/a","n/a","n/a","n/a"," -","-","Yes","No","No","Legal","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD","Yes","Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance"]
["Equitable Bank","Equitable Bank - \n         ( Rental - Stated & Commission  West )",null,{"$f":"VLOOKUP(A56,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB","75 / 70","Own Resources, Gift, Borrowed, VTB","n/a",600,"Good",90000,"No Max","Purch, ReFi, ETO","Residential 1-4 units Rental","1,2,3,4,5 yr"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n100% Rent-Inc. ","80% Offset","80% Offset\n100% Rent-Inc. "," -","  -","No","Yes","No","Legal","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a",20,"3mo or IRD",0.01,"Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","Stated & Commission rentals"]
["Equitable Bank","Equitable Bank -  ( Rental - OPEN West )",null,{"$f":"VLOOKUP(A57,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB",75,"Own Resources, Gift, Borrowed, VTB","n/a",600,"Good",90000,"No Max","Purch, ReFi, ETO","Residential 1-4 units Rental","1yr Open"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, T776, Bank","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n100% Rent-Inc. ","80% Offset","80% Offset\n100% Rent-Inc. "," -","  -","No","Yes","No","Any","Yes w/pers guar",4,"No","Posted +","No","120 day","bw,sm,m","n/a","Open","3mo or IRD",0.02,"Lender List","n/a","n/a","Always","Yes","On Qual","No","Yes","RARE ~ Open Rental financing"]
["First National Financial","First National - ( O/O Rental Insurable )",null,{"$f":"VLOOKUP(A58,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",95,"Own Resources, Gift","n/a",620,"Min. 2 years\nclean, active",50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv., Switch","O/O Residential\n 2-4 units (some leases)","1,2,3,4,5,6,7,10 yr \n5 VRM, 6mo","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","T1 w/T776, Appraiser, Lease, BC-RTA"," DCR 1.0 or 1.2\n50% Rent-Inc.","n/a","50% / 100% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","n/a","n/a","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Legal-CMHC","No",3,"No","Based on LTV","Yes","120 day","w,bw,sm,m","15+\nDouble-up",20,"greater of: 3mo\n or IRD to Best","No","If required by insurer","CMHC\n Can Guaranty","Yes","Always","Yes","On Qual","Yes","No","Fast approval processing\nVery flexible extra payment privileges."]
["First National Financial","First National - ( O/O Rental Un-Insurable )",null,{"$f":"VLOOKUP(A59,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",80,"Own Resources, Gift","n/a",620,"Min. 2 years\nclean, active",50000,"No Max","Purch, ReFi, ETO, Switch","O/O Residential\n 2-4 units (some leases)","1,2,3,4,5,6,7,10 yr \n5 VRM, 6mo"," -"," -","35/39","42/44"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","T1 w/T776, Appraiser, Lease, BC-RTA"," DCR 1.0 or 1.2\n50% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","50% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","50% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Legal","No",3,"No","Based on LTV","Yes","120 day","w,bw,sm,m","15+\nDouble-up",20,"greater of: 3mo\n or IRD to Best","No","Always","n/a","Yes","Always","Yes","On Qual","Yes","Yes","Fast approval processing\nVery flexible extra payment privileges."]
["First National Financial","First National - ( Non-O/O Rental INSURED )",null,{"$f":"VLOOKUP(A60,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",80,"20% Own Resources","Residence $100,000",680,"Min. 2 years\nclean, active",50000,750000,"Purch, Purch Plus Improv., ReFi, ETO, Switch","Residential 1-4 units Rental","5 yr \n5 VRM"," -"," -",39,44,25,25,10,"higher of Deal Rate \nor 5yr Benchmark"," -","T1 w/T776, Appraiser, Lease, BC-RTA","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","50% Rent-Inc. DCR 1.10","50% Rent-Inc.","50% Rent-Inc. DCR 1.10","1.0 or 1.2","Lenders Own","No","Yes","No","Any","No",3,"No","Rental Rate","Yes","120 day","w,bw,sm,m","15+\nDouble-up",20,"greater of: 3mo\n or IRD to Best","No","If required by insurer","CMHC\n Can Guaranty","Yes","Always","Yes","On Qual","Yes","Yes","ANY qualified appraiser.  \nDoes not have to be NAS or SOLIDIFI"]
["First National Financial","First National - \n                ( Non-O/O Rental Un-Insured 75% )",null,{"$f":"VLOOKUP(A61,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",75,"25% Own Resources","Residence $100,000",680,"Min. 2 years\nclean, active",50000,"No Max.","Purch, ReFi, ETO, Switch","Residential 1-4 units Rental","1,2,3,4,5,7,10 yr \n5 VRM"," -"," -",39,44," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","T1 w/T776, Appraiser, Lease, BC-RTA","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","50% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","1.0 or 1.2","Lenders Own","No","Yes","No","Any","No",3,"No","Best +.15% to +.25%","Yes","120 day","w,bw,sm,m","15+\nDouble-up",20,"greater of: 3mo\n or IRD to Best","No","Full Appraisal","n/a","n/a","Always\nPQ if Private","Yes","On Qual","Yes","Yes","ANY qualified appraiser.  \nDoes not have to be NAS or SOLIDIFI"]
["First National Financial","First National - \n                ( Non-O/O Rental Un-Insured 80% )",null,{"$f":"VLOOKUP(A62,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",80,"20% Own Resources","Residence $100,000",730,"Min. 2 years\nclean, active",50000,"No Max.","Purch, ReFi, ETO, Switch","Residential 1-4 units Rental","1,2,3,4,5,7,10 yr \n5 VRM"," -"," -",39,44," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","T1 w/T776, Appraiser, Lease, BC-RTA","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","50% Rent-Inc."," DCR 1.0 or 1.2\n50% Rent-Inc.","1.0 or 1.2","Lenders Own","No","Yes","No","Any","No",3,"No","Best +.15% to +.25%","Yes","120 day","w,bw,sm,m","15+\nDouble-up",20,"greater of: 3mo\n or IRD to Best","No","Full Appraisal","n/a","n/a","Always\nPQ if Private","Yes","On Qual","Yes","Yes","ANY qualified appraiser.  \nDoes not have to be NAS or SOLIDIFI"]
["Home Trust","Home Trust -  ( O/O Accelerator w /Rental )",null,{"$f":"VLOOKUP(A63,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",95,"5% Own Resource\nPlus Gift or Borrowed","n/a",640,"Good",50000,"$925,000\nplus ins.","Purch","O/O to 4 units, Second home","1,2,3,4,5yr \nVRM",39,44," -"," -",25," -",15,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Lease, RTA, Appraiser","T1 Option  or 50% Rent-Inc.","n/a","50% / 100% Rent-Inc.","50% Rent-Inc.","n/a","n/a","n/a","n/a","n/a","n/a","-","-","Yes","No","No","Legal - CMHC\n n/a Genworth","No",4,"No","Best","Yes","120 day","bw,sm,m",20,20,"3mo or IRD","No","If requested","per insurer ","Yes","Always\n+ E.Quake",500,"Yes","Yes","Yes","Choice of insurers"]
["Home Trust","Home Trust - ( Rental Accelerator - CMHC )",null,{"$f":"VLOOKUP(A64,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"10% Own Resource \nPlus Gift or Borrowed","case-by-case",640,"Good",50000,750000,"Purch","Residential 2-4 units, Rental","1,2,3,4,5yr \nVRM"," -"," -","35/39","42/44",25," -",15," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","50% Rent-Inc.","n/a","n/a"," -","  -","No","Yes","No","Legal","No",4,"No","Best +.50%","Yes","120 day","bw,sm,m",20,20,"3mo or IRD","No","If requested","CMHC","yes","Always\n+ E.Quake",500,"Yes","No","No","80% offset for subject AND other props,\n to 44% / 44% GDS/TDS if 680+ Beacon"]
["Home Trust","Home Trust - ( Rental Accelerator - Genworth )",null,{"$f":"VLOOKUP(A65,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"10% Own Resource \nPlus Gift or Borrowed","$100,000 if\nInsured",640,"2 years",50000,750000,"Purch","Residential 2-4 units, Rental","1,2,3,4,5yr \nVRM"," -"," -","35/39","42/44",25," -",15," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","80% Rent-Inc.","50% Rent-Inc.","n/a","n/a"," -"," -","No","Yes","No","Legal","No",4,"No","Best +.50%","Yes","120 day","bw,sm,m",20,20,"3mo or IRD","No","If requested","Genworth","Yes","Always\n+ E.Quake",500,"Yes","No","No","Choice of insurers"]
["Home Trust","Home Trust ( Classic O/O Rental )\n                                                'B' Product",null,{"$f":"VLOOKUP(A66,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces exc. SK",80,"20% Own Resources or Gift","n/a",500,"Will Consider",50000,650000,"Purch, ReFi","O/O max 4 units \n(max 3 Ontario, New Brunswick)","1,2 yr\n & One Charge"," -"," -"," -","48/No"," -",30,15," -","Deal Rate +2.00%","Lease, RTA, T1, Realtor Appraiser, Accountant","100% Offset","100% Offset","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","Any","Yes","4+ see note","No","Best to Best+.25%","no","30 day","w,bw,m",20,20,"3mo or IRD","Broker Determined","Always","n/a","Fee added","Always\n+ E.Quake","No","No","No","No","Rental financing for Stated income BFS,\n Unauthorized suites allowed"]
["Home Trust","Home Trust - ( Classic Rental )\n                                                'B' Product",null,{"$f":"VLOOKUP(A67,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB MB \nON PQ NS ",75,"Own Resources\nGift case by case","n/a",620,"Good",50000,650000,"Purch, ReFi","Residential 1-4 units Rental","1,2 yr"," -"," -"," -","48/No"," -",30,15," -","Deal Rate +2.00%","Lease, RTA, T1, Realtor Appraiser, Accountant","n/a","n/a","n/a","n/a","n/a","n/a","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset"," -"," -","No","Yes","No","Any","Yes","4+ see note","No","Best +.25% and up","no","30 day","w,bw,m",20,20,"3mo or IRD","Broker Determined","Always","n/a","Fee added","Always\n+ E.Quake","No","No","No","No","Rental financing for Stated income BFS,\n Unauthorized suites allowed"]
["ICICI Bank","ICICI Bank  ( O/O Rental - Insurable )",null,{"$f":"VLOOKUP(A68,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC AB SK MB ON",95,"Own Resources, Gift","n/a",650,"Good",50000,"$925,000 \nplus insur.","Purch, Purch Plus Improv.","O/O to 4 units","1,2,3,4,5 yr \n3,5 VRM","35/39","42/44"," -"," -",25," -",5,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Lease, BC-RTA, Appraiser, T1, T776,","2yr avg. T1 or Rent Worksheet","n/a","50% / 100% Rent-Inc.","2yr avg. T1 or Rent Worksheet","n/a","n/a","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","Legal - CMHC\n n/a Genworth","No","no limit\nrent from 4","No","Based on LTV","Yes","120 / 90","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","Only if req'd by insurer","CMHC, Genworth ","Yes","ICICI pays","Yes","On Qual","Yes","No","Capable of understanding \"complex\" deals\nFast approval processing"]
["ICICI Bank","ICICI Bank  ( O/O Rental - Un-Insurable )",null,{"$f":"VLOOKUP(A69,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","BC AB SK MB ON",80,"Own Resources, Gift","n/a",650,"Good",50000,1500000,"Purch, ReFi, ETO","O/O to 4 units, Second Home \n2 units, Small Rental 2-4","1,2,3,4,5 yr \n3,5 VRM"," -"," -","32/35","35/40/42"," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T1, T776,","2yr avg. T1 or Rent Worksheet","2yr avg. T1 or Rent Worksheet","50%/100% Rent-Inc. 80% Offset","2yr avg. T1 or Rent Worksheet","50%/100% Rent-Inc. 80% Offset","2yr avg. T1 or Rent Worksheet","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","either","No","no limit\nrent from 4","No","Based on Beacon","Yes","120 / 90","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","Always","n/a","n/a","ICICI pays","Yes","On Qual","Yes","Yes","Capable of understanding \"complex\" deals\nFast approval processing"]
["ICICI Bank","ICICI Bank - ( Rental - Investment )",null,{"$f":"VLOOKUP(A70,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","BC AB SK MB ON",80,"Own Resources","Positive",650,"Good",50000,1500000,"Purch, ReFi, ETO","Small Rental 1-4 units","5 yr"," -"," -",35,42," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T1+T776,","n/a","n/a","n/a","n/a","n/a","n/a","50%/100% Rent-Inc. 80% Offset","2yr avg. T1 or Rent Worksheet","50%/100% Rent-Inc. 80% Offset","2yr avg. T1 or Rent Worksheet"," -","Lender's own","No","Yes","No","either","No","no limit\nrent from 4","No","Based on Beacon","Yes","120 / 90","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","Always","n/a","n/a","ICICI pays","Yes","On Qual","Yes","Yes","Capable of understanding \"complex\" deals\nFast approval processing"]
["Lendwise","Lendwise - ( O/O Rental  Insurable )",null,{"$f":"VLOOKUP(A71,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",95,"Own Resources, Gift","n/a",620,"Good",75000,"$925,000\nplus ins.","Purch","O/O Residential 2-4 units","1,2,3,4,5 yr, RPM \n3,5 ARM","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, Appraiser","2yr avg. T1, or\nRental Worksheet","n/a","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","n/a","n/a","n/a","n/a","n/a","n/a","-","Lenders Own","Yes","No","No","Legal - CMHC\n n/a Genworth","No","4 see note","No","Best","Yes","120 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","Special Cases","CMHC, Genworth","Some 75.01%-80%","Always","Yes","Yes","Yes","No","Earn trailer fees forever"]
["Lendwise","Lendwise - ( O/O Rental  Un-Insured )",null,{"$f":"VLOOKUP(A72,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",80,"Own Resources, Gift","n/a",660,"Good",75000,1000000,"Purch, Switch, ReFi, ETO","O/O Residential 2-4 units","1,2,3,4,5 yr, RPM \n3,5 ARM"," -"," -","32/34","40/42"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","2yr avg. T1, or\nRental Worksheet","2yr avg. T1, or\nRental Worksheet","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","n/a","n/a","n/a","n/a","-","Lenders Own","Yes","No","No","Legal - CMHC\n n/a Genworth","No","4 see note","No","Best","Yes","120 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","all AB Refinances Some other Cases","n/a","n/a","Always","Yes","Yes","Yes","Free & Easy","Earn trailer fees forever"]
["Lendwise","Lendwise - ( Rental )",null,{"$f":"VLOOKUP(A73,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"Own Resources","n/a",660,"Strong - 2 years",75000,1000000,"Purch","Residential 2-4 units, Rental","1,2,3,4,5 yr \n3,5 ARM"," -"," -"," -",40," -",25,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","-","Lenders Own","No","Yes","No","either","Holding Co.","4 see note","No","Best +.05%","Yes","120 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","Always","60%+, $1M+","Yes\n 65.01%-80%","Always","Yes","On Qual","No","Yes","Can use T1 OR Market Rent - Lenient worksheet ARM product available on rental property"]
["Manulife","Manulife - ( O/O Rental )",null,{"$f":"VLOOKUP(A74,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces exc. PQ",95,"Own Resources","n/a",650,"Good","$25,000\n$100,000","$925,000\nplus ins.","Purch, Purch Plus Improv.","O/O to 4 units","5 yr \n5 VRM","35/39","42/44"," -"," -",25," -",5,"higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, T776","Net Rent","Net Rent","50% Rent-Inc.","Net Rent","50% Rent-Inc.","Net Rent","n/a","n/a","n/a","n/a","-"," -","Yes","No","No","Legal","No","4 see note","No","Best","tbd",120,"w,bw,m",25,"Open + 20","Open & \n3mo or IRD","No","case by case","CMHC, Genworth","Yes","Always","Yes","On Qual","Yes","No","HELOC based package including mortgage component and multiple sub-lines"]
["Manulife","Manulife  ( O/O Rental - Manulife One )",null,{"$f":"VLOOKUP(A75,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces exc. PQ",80,"Own Resources","n/a",650,"Good",100000,3000000,"Purch, ReFi, ETO","O/O to 4 units","5 yr, 5 VRM \nplus LOC"," -"," -","35/39","42/44"," -",25,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776","Net Rent","Net Rent","50% Rent-Inc.","Net Rent","50% Rent-Inc.","Net Rent","n/a","n/a","n/a","n/a"," -"," -","Yes","No","No","Legal","No","4 see note","No","Best","tbd","120 / 90","m",25,"Open + 20","Open & \n3mo or IRD","monthly","case by case","n/a","n/a","Always","Yes","On Qual","Yes","Yes","HELOC based package including mortgage component and multiple sub-lines"]
["Manulife","Manulife - (Rental - Manulife One )",null,{"$f":"VLOOKUP(A76,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces exc. PQ",80,"Own Resources","n/a",700,"Good",100000,750000,"Purch, ReFi, ETO","O/O Residential 1-4 units","5 yr \nplus LOC"," -"," -"," -",40," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","Net Rent","50% Rent-Inc.","Net Rent","-"," -","No","Yes","No","Legal","No","4 see note","No","Rental Rate","tbd","120 / 90","m",25,"Open + 20","Open & \n3mo or IRD","monthly","case by case","n/a","n/a","Always","Yes","On Qual","No","Yes","Rental - HELOC based package including mortgage component and multiple sub-lines"]
["MCAP","MCAP  ( O/O Rental - ( Insurable )",null,{"$f":"VLOOKUP(A77,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",95,"Own Resources, Gift","n/a",600,"Good",50000,"$925,000 \nPlus Ins.","Purch, Purch Plus Improv.","O/O Residential 2-4 units, \nSecond Home 2 units","1,2,3,4,5,7,10 yr\n 5 ARM",39,44," -"," -",25," -","15 / 5","If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Lease, BC-RTA, Appraiser, 2yr T1"," use T1 Line 126 see comment","n/a","50% / 100% Rent-Inc."," use T1 Line 126 see comment","n/a","n/a","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","n/a","No",3,"No","Best","5yr \n20 bp max","120 day","w,bw,sm,m",20,20,"3mo or IRD","No","Lender List","CMHC, Genworth ","Yes","sometimes","Yes","Yes","Yes","No","Fast approval processing"]
["MCAP","MCAP  ( O/O Rental - Un-Insurable )",null,{"$f":"VLOOKUP(A78,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",80,"Own Resources, Gift","n/a",600,"Good",50000,1375000,"Purch, ReFi, ETO","O/O Residential 2-4 units,\n Second Home","1,2,3,4,5,7,10 yr\n 5 VIP"," -"," -","35/40","42/44"," -","25 / 30","15 / 5"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, 2yr T1","50% Rent-Inc","50% Rent-Inc","50% Rent-Inc.","50% Rent-Inc","50% Rent-Inc","50% Rent-Inc","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","n/a","No",3,"No","Disc. Avail. \nBest +.30%","5yr \n20 bp max","120 day","w,bw,sm,m",20,20,"3mo or IRD","No","Lender List","CMHC, Genworth ","n/a","sometimes","Yes","Yes","Yes","12 day FCT","Fast approval processing"]
["MCAP","MCAP - ( Small Rental - Insurable )",null,{"$f":"VLOOKUP(A79,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",80,"Own Resources","$100,000\nif LTV over 70%",640,"Good",50000,799999,"Purch, Purch Plus Improv.,","Residential 2-4 units, Rental","5 yr, 5 VIP",39,44," -"," -",25," -","15 / 5","If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Lease, BC-RTA, Appraiser, 2yr T1","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc."," use T1 Line 126 see comment","n/a","n/a"," -","Lenders Own","No","Yes","No","either","No",4,"No","Rental Rate","5yr \n20 bp max","120 day","w,bw,sm,m",20,20,"greater 3mo  or IRD ~ + Reinvest","No","Lender List","CMHC, Genworth","see comment","Always","Yes","Yes","Yes","No","Fast approval processing"]
["MCAP","MCAP - ( Small Rental 80 )",null,{"$f":"VLOOKUP(A80,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",80,"Own Resources","$100,000\nif LTV over 70%",640,"Good",50000,500000,"Purch, Purch Plus Improv., ReFi, ETO","Residential 2-4 units, Rental","5 yr, 5 VIP"," -"," -","35","42/44"," -","25 / 30","15 / 5"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, 2yr T1","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","50% Rent-Inc.","50% Rent-Inc.","50% Rent-Inc."," -","Lenders Own","No","Yes","No","either","No",4,"No","Disc. Avail. \nBest +.30%","5yr \n20 bp max","120 day","w,bw,sm,m",20,20,"greater 3mo  or IRD ~ + Reinvest","No","Lender List","n/a","see comment","Always","Yes","Yes","Yes","12 day FCT","Fast approval processing"]
["MCAP","MCAP - ( Small Rental 70 )",null,{"$f":"VLOOKUP(A81,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National",70,"Own Resources","n/a",640,"Good",50000,500000,"Purch, Purch Plus Improv., ReFi, ETO","Residential 2-4 units, Rental","5 yr, 5 VIP"," -"," -","35","42/44"," -","25 / 30","15 / 5"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, 2yr T1","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","50% Rent-Inc.","80% Rent-Inc.","50% Rent-Inc."," -","Lenders Own","No","Yes","No","either","No",4,"No","Disc. Avail. \nBest +.30%","5yr \n20 bp max","120 day","w,bw,sm,m",20,20,"greater 3mo  or IRD ~ + Reinvest","No","Lender List","n/a","see comment","Always","Yes","Yes","Yes","12 day FCT","Fast approval processing"]
["Merix Financial","Merix - ( O/O Rental  Insurable )",null,{"$f":"VLOOKUP(A82,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",95,"Own Resources, Gift","n/a",620,"Good",75000,"$925,000\nplus ins.","Purch","O/O Residential 2-4 units","1,2,3,4,5 yr, RPM \n3,5 ARM","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, Appraiser","2yr avg. T1, or\nRental Worksheet","n/a","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","n/a","n/a","n/a","n/a","n/a","n/a","-","Lenders Own","Yes","No","No","Legal - CMHC\n n/a Genworth","No","4 see note","No","Best","Yes","120 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","Special Cases","CMHC, Genworth","Some 75.01%-80%","Always","Yes","Yes","Yes","No","Earn trailer fees forever"]
["Merix Financial","Merix - ( O/O Rental  Un-Insured )",null,{"$f":"VLOOKUP(A83,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",80,"Own Resources, Gift","n/a",660,"Good",75000,1000000,"Purch, Switch, ReFi, ETO","O/O Residential 2-4 units","1,2,3,4,5 yr \n3,5 ARM"," -"," -","32/34","40/42"," -","25 / 30","18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","2yr avg. T1, or\nRental Worksheet","2yr avg. T1, or\nRental Worksheet","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","n/a","n/a","n/a","n/a","-","Lenders Own","Yes","No","No","Legal - CMHC\n n/a Genworth","No","4 see note","No","Best","Yes","120 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","all AB Refinances Some other Cases","n/a","n/a","Always","Yes","Yes","Yes","Free & Easy","Earn trailer fees forever"]
["Merix Financial","Merix - ( Rental  )",null,{"$f":"VLOOKUP(A84,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"Own Resources","n/a",660,"Strong - 2 years",75000,1000000,"Purch","Residential 2-4 units, Rental","1,2,3,4,5 yr \n3,5 ARM"," -"," -"," -",40," -",25,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","50% Rent-Inc.","2yr avg. T1 or Rent Worksheet","-","Lenders Own","No","Yes","No","Legal - CMHC\n n/a Genworth","Holding Co.","4 see note","No","Best +.05%","Yes","120 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","Always","60%+, $1M+","Yes\n 65.01%-80%","Always","Yes","On Qual","No","Yes","Can use T1 OR Market Rent - Lenient worksheet ARM product available on rental property"]
["Merix Financial","Merix - ( NPX 80% O/O Rental )",null,{"$f":"VLOOKUP(A85,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","limited ON",80,"10% own resource\n +Gift allowed","n/a",500,"Case-by-Case",100000,1000000,"Purch, ReFi, ETO","O/O max 4 units","1,2,3 yr \nOpen on request"," -"," -",50,50," -",30,"n/a"," -","Deal Rate +2.00%","Lease, BC-RTA, Appraiser","n/a","n/a","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset","n/a","n/a","n/a","n/a","-"," -","No","Yes","No","Complete","Holding Co.","4 preferred \nsee note","No","NPX rate","Yes","90 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","Yes","Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes","Security focused, temporary solution to help home owners move to AA products"]
["Merix Financial","Merix - ( NPX 65% Solution O/O Rental )",null,{"$f":"VLOOKUP(A86,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","limited ON",65,"35% : 20% own resource\n Gift allowed","n/a","500 / Reject","see Comments",300000,1000000,"Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units","Fully Open ARM Only 1,2,3 yr"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","Lease, BC-RTA, Appraiser","n/a","n/a","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset","n/a","n/a","n/a","n/a","-"," -","No","Yes","No","Complete","Holding Co.","4 preferred \nsee note","No","P+2.50%","Yes","90 day","w,bw,sm,m",20,"Open","Open",0.01,"Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes","Mortgage without traditional income verification and  typical Beacon score requirements"]
["Merix Financial","Merix - ( NPX 50% Solution O/O Rental )",null,{"$f":"VLOOKUP(A87,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","limited ON",50,"50% : 20% own resource\n Gift allowed","n/a","500 / Reject","see Comments",300000,2000000,"Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units","Fully Open ARM Only 1,2,3 yr"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","Lease, BC-RTA, Appraiser","n/a","n/a","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset","n/a","n/a","n/a","n/a","-"," -","No","Yes","No","Complete","Holding Co.","4 preferred \nsee note","No","P+2.50%","Yes","90 day","w,bw,sm,m",20,"Open","Open",0.01,"Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes","Mortgage without traditional income verification and  typical Beacon score requirements"]
["Merix Financial","Merix - ( NPX 70% Rental )",null,{"$f":"VLOOKUP(A88,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","limited ON",70,"10% own resource\n +Gift allowed","n/a",500,"Case-by-Case",100000,1000000,"Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals","1,2,3 yr \nOpen on request"," -"," -",50,50," -",30,"n/a"," -","Deal Rate","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset","-"," -","No","Yes","No","Complete","Holding Co.","4 preferred \nsee note","No","NPX rate","Yes","90 day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","$750 to 1%","Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes","Security focused, temporary solution to help home owners move to AA products"]
["Merix Financial","Merix - ( NPX 65% Solution Rental )",null,{"$f":"VLOOKUP(A89,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","limited ON",65,"35% : 20% own resource\n Gift allowed","n/a","500 / Reject","see Comments",300000,1000000,"Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals","Fully Open ARM Only 1,2,3 yr"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset","-"," -","No","Yes","No","Complete","Holding Co.","4 preferred \nsee note","No","P+2.50%","Yes","90 day","w,bw,sm,m",20,"Open","Open",0.01,"Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes","Mortgage without traditional income verification and  typical Beacon score requirements"]
["Merix Financial","Merix - ( NPX 50% Solution Rental )",null,{"$f":"VLOOKUP(A90,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","limited ON",50,"50% : 20% own resource\n Gift allowed","n/a","500 / Reject","see Comments",300000,2000000,"Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals","Fully Open ARM Only 1,2,3 yr"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","100% Rent-Inc.","75% Offset","100% Rent-Inc.","75% Offset","-"," -","No","Yes","No","Complete","Holding Co.","4 preferred \nsee note","No","P+2.50%","Yes","90 day","w,bw,sm,m",20,"Open","Open",0.01,"Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes","Mortgage without traditional income verification and  typical Beacon score requirements"]
["Optimum Mortgage","Optimum - ( 75% Alternative Inc. O/O w/Rental )",null,{"$f":"VLOOKUP(A91,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",75,"10% Own Resources","n/a",500,"Good","$100,000\n$75,000","$500,000 to $1,000,000","Purch, ReFi, ETO","O/O max 4 units","1,2,3 \n5 yr VRM, 1yr Open"," -"," -","50\nDCR 1.15","50\nDCR 1.15"," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T1 & T774","DCR 1.15 preferred","DCR 1.15 preferred","80% Rent-Inc.","DCR 1.15 preferred","80% Rent-Inc.","DCR 1.15 preferred","n/a","n/a","n/a","n/a",1.1499999999999999,"Lenders Own","Yes","No","No","n/a","No",8,"No","Best","no","90 day","bw,sm,m",20,20,"3mo or IRD+1%","No","Broker to provide","n/a","n/a","Always","Yes","On Qual","No","Yes","will consider stated income deals\n\"each deal considered on own merit\""]
["Optimum Mortgage","Optimum - ( 80% Alternative Inc. O/O w/Rental )",null,{"$f":"VLOOKUP(A92,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",80,"10% Own Resources","n/a",600,"Good","$100,000\n$75,000","$500,000 to $1,000,000","Purch","O/O max 4 units","1,2,3 \n5 yr VRM, 1yr Open"," -"," -","50\nDCR 1.15","50\nDCR 1.15"," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T1 & T775","DCR 1.15 preferred","DCR 1.15 preferred","80% Rent-Inc.","DCR 1.15 preferred","80% Rent-Inc.","DCR 1.15 preferred","n/a","n/a","n/a","n/a",1.1499999999999999,"Lenders Own","Yes","No","No","n/a","No",8,"No","Best","no","90 day","bw,sm,m",20,20,"3mo or IRD+1%","No","Broker to provide","n/a","n/a","Always","Yes","On Qual","No","Yes","will consider stated income deals\n\"each deal considered on own merit\""]
["Optimum Mortgage","Optimum - ( 75% Non O/O Revenue )",null,{"$f":"VLOOKUP(A93,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces","70 / 75","10% Own Resources","n/a",650,"12 months \none previous BK","$100,000\n$75,000","$500,000 to $1,000,000","Purch, ReFi, ETO","Rental max 4 units","1,2,3 yr"," -"," -","DCR 1.1","DCR 1.1"," -",30," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T1 & T776","n/a","n/a","n/a","n/a","n/a","n/a","DCR 1.10 preferred","DCR 1.10 preferred","DCR 1.10 preferred","DCR 1.10 preferred",1.1000000000000001,"Lenders Own","No","Yes","No","n/a","Holding Co.",8,"No","rate sheet","no","90 day","bw,sm,m",20,20,"1% fee plus\n 3mo or IRD","1,2,3 yr - 1% Open - 2%","Broker to provide","n/a","n/a","Always","Yes","On Qual","No","Yes","no set lending matrix\n\"each deal considered on own merit\""]
["Optimum Mortgage","Optimum - (Stated Rental )",null,{"$f":"VLOOKUP(A94,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",60,"10% Own Resources","n/a",650,"12 months \none previous BK","$100,000\n$75,000","$500,000 to $1,000,000","Purch, ReFi, ETO","Rental max 4 units Rental","1,2,3 yr & VRM \n1yr Open"," -"," -","DCR 1.1 preferred","DCR 1.1 preferred"," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser","n/a","n/a","n/a","n/a","n/a","n/a","DCR 1.10 preferred","DCR 1.10 preferred","DCR 1.10 preferred","DCR 1.10 preferred",1.1000000000000001,"Lenders Own","No","Yes","No","n/a","Holding Co.",8,"No","Negotiable","no","90 day","bw,sm,m",20,20,"1.00%\n plus 3 mo.","1,2,3 yr - 1% Open - 2%","Broker to provide","n/a","n/a","Always","No","On Qual","No","Yes","Rare to find Stated Rental product"]
["Optimum Mortgage","Optimum CWB - ( Multi-Family Property )",null,{"$f":"VLOOKUP(A95,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Ask C.W.B.",75,"10% Own Resources","n/a","n/a","Corporate",500000,"No Max.","Purch, Purch Plus Improv., ReFi, Condo Conv.","Multi Family","3,4,5 yr"," -"," -","Makes Sense","DCR 1.25"," -","25 / 40"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T1 & T776","n/a","n/a","n/a","n/a","n/a","n/a","DCR 1.25","DCR 1.25","DCR 1.25","DCR 1.25",1.25,"Special","No","No","5 +","Legal","Must","No limit","No","Negotiable","no","set at funding","m","n/a","n/a","greater 3mo\n or IRD","Yes 1/4 - 1%","Yes +","CMHC ","Yes","Always","No","No","No","Yes","\"Broker Focused\" commercial lender"]
["Radius Financial","Radius - ( 2-4 Units Owner Occupied )\n                                                Insurable",null,{"$f":"VLOOKUP(A96,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",95,"Own Resource, Borrowed or Gift","n/a",620,"Good",50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv.","O/O to 4 units","1,2,3,4,5 yr \n3,5 VRM ","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Lease, Appraiser, Realtor","50% Rent-Inc.\n or 2yr T1 (126)","n/a","50% / 100% Rent-Inc.","50% Rent-Inc.\n or 2yr T1 (126)","n/a","n/a","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Conforming Preferred","No",4,"No","Best \nBased on LTV","Using Finders","90 Day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","If Req'd by Insurer","CMHC, Genworth","80%+","Lenders FCT","Yes","On Qual","Platinum Package","FCT Platinum","Renewal Fee Option available"]
["Radius Financial","Radius - ( 2-4 Units Owner Occupied )\n                                             Un-Insurable",null,{"$f":"VLOOKUP(A97,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",80,"Own Resource, Borrowed or Gift","n/a",620,"Good",50000,2000000,"Purch, Purch Plus Improv., ReFi, ReFi Plus Improv., ETO","O/O to 4 units","1,2,3,4,5 yr \n3,5 VRM "," -"," -","35/39","42/44"," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, Appraiser, Realtor","50% Rent-Inc.\n or 2yr T1 (126)","50% Rent-Inc.\n or 2yr T1 (126)","80% Offset","50% Rent-Inc.\n or 2yr T1 (126)","50% / 100% Rent-Inc.","50% Rent-Inc.\n or 2yr T1 (126)","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Conforming Preferred","No",4,"No","Best","Using Finders","90 Day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","If Req'd by Insurer","CMHC, Genworth","80%+","Lenders FCT","Yes","On Qual","Platinum Package","FCT Platinum","Renewal Fee Option available"]
["Radius Financial","Radius  - ( 1 - 4 Units Rental  CMHC insured )",null,{"$f":"VLOOKUP(A98,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"Own Resource, Borrowed","n/a",620,"Good",50000,950000,"Purch, Purch Plus Improv., ReFi, ETO","Residential 1-4 units Rental","5 yr \n 3 VRM","all Ins'd","all Ins'd","35/39","42/44"," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, Appraiser, Realtor","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","Special Formula","50% Rent-Inc.","Special Formula"," -","Lenders Own","No","Yes","No","Legal","No",4,"No","\"Non-Standard\"","Using Finders","90 Day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","If Req'd by Insurer","CMHC","ALL","Lenders FCT","Yes","On Qual","No","FCT Platinum","Renewal Fee Option available"]
["Radius Financial","Radius  - ( 1 - 4 Units Rental  Genworth insured)",null,{"$f":"VLOOKUP(A99,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"Own Resource, Borrowed","n/a",620,"Good",50000,750000,"Purch, Purch Plus Improv., ReFi, ETO","Residential 1-4 units Rental","5 yr \n 3 VRM","all Ins'd","all Ins'd","35/39","42/44"," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, Appraiser, Realtor","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n or current T1","80% Offset","80% Offset\n or current T1"," -","Lenders Own","No","Yes","No","Legal","No",4,"No","\"Non-Standard\"","Using Finders","90 Day","w,bw,sm,m",20,20,"greater 3mo\n or IRD","No","If Req'd by Insurer","Genworth","ALL","Lenders FCT","Yes","On Qual","No","FCT Platinum","Renewal Fee Option available"]
["RMG Mortgages","RMG - ( O/O Rental  - Insurable )",null,{"$f":"VLOOKUP(A100,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National exc. PQ",95,"5% Own Resources, Gift","n/a","630 620 600","Good",50000,"$925,000 \nplus ins.","Purch, Purch Plus Improv.","O/O to 4 units, Second Home","1,2,3,4,5 yr \n5 ARM",39,44," -"," -",25," -",5,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Lease, BC-RTA, Appraiser, 2yr T1","Net Rent","n/a","50% / 100% Rent-Inc.","50% Rent-Inc.\n or 2yr T1 (126)","n/a","n/a","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Legal - CMHC\n n/a Genworth","No",3,"No","Based on LTV","Yes","90/120 day","w,bw,sm,m",20,20,"3mo or IRD","No","several cases\n rebate available","CMHC, Genworth","Yes","Always\n FCT","Yes","On Qual","FCT package","FCT Platinum","Generous Compensation program, \nRate Buy-Downs allowed,  \nBroker referral program, \nstrong broker /client retention"]
["RMG Mortgages","RMG - ( O/O Rental  - UN-Insurable )",null,{"$f":"VLOOKUP(A101,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National exc. PQ",80,"Own Resources, Gift","n/a","620 / 650","Good",50000,"$950,000 $1,600,000","Purch, ReFi, ETO","O/O to 4 units, Second Home","1,2,3,4,5 yr \n5 ARM"," -"," -",39,44," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, 2yr T1","Net Rent","Net Rent","80% Offset","50% Rent-Inc.\n or 2yr T1 (126)","50% Rent-Inc.","50% Rent-Inc.\n or 2yr T1 (126)","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Legal - CMHC\n n/a Genworth","No","No Limit","No","Discounted \nBest +","Yes","90/120 day","w,bw,sm,m",20,20,"3mo or IRD","No","several cases\n rebate available","n/a","n/a","Always\n FCT","Yes","On Qual","FCT package","FCT Platinum"]
["Scotiabank","Scotiabank - (O/O Rental)",null,{"$f":"VLOOKUP(A102,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","National",95,"5% Own Resources","n/a",620,"More imp. than \"score\"",25000,"No Max.","Purch, Purch Plus Improv., ReFi, ETO","O/O to 4 units, Second Home","All Terms",35,42,35,42,25,30,"Term","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Accountant","50% Rent-Inc.","50% Rent-Inc.","50% Rent-Inc.\n P.I.T.H.S.","Worksheet \n50% Offset","50% Rent-Inc.\n P.I.T.H.S.","Worksheet \n50% Offset","n/a","n/a","n/a","n/a"," -","Lenders Own","Yes","No","No","Legal","No",5,"No","Best","Yes","120 day","w,bw,sm,m","15 & Match",15,"3mo or IRD","No","if uninsured PAT, NAS, SOLIDIFI","CMHC, Genworth","Yes","Always","Yes","On Qual","Yes","Yes","70% Rental Offset \n(NO: Taxes, Condo/Strata, Heat, etc. used)"]
["Scotiabank","Scotiabank - (Non O/O Rental)",null,{"$f":"VLOOKUP(A103,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National exc. \nFt.Mac area",80,"20% Own Resources","10% up to $50,000 each",621,"Good",25000,"No Max.","Purch, Purch Plus Improv., ReFi, ETO","Residential 1-4 units Rental","5 yr Fixed / Flex Value \nLong & Short"," -"," -",35,42," -",30,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Accountant","n/a","n/a","n/a","n/a","n/a","n/a","Special 50% Offset","Worksheet \n50% Offset","Special 50% Offset","Worksheet \n50% Offset"," -","Lenders Own","No","Yes","branch","Authorized","No",5,"No","Best to\nBest +.10%","Yes","120 day","w,bw,sm,m","15 & Match",15,"3mo or IRD","No","if uninsured PAT, NAS, SOLIDIFI","CMHC ","Yes","Always","Yes","On Qual","Yes","Yes","70% Rental Offset \n(NO: Taxes, Condo/Strata, Heat, etc. used)"]
["Scotiabank","Scotiabank - (Non O/O Rental  STEP )",null,{"$f":"VLOOKUP(A104,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National exc. \nFt.Mac area",80,"20% Own Resources","10% up to $50,000 each",621,"Good",25000,"No Max.","Purch, Purch Plus Improv., ReFi, ETO","Residential 1-4 units Rental","5 yr Fixed / Flex Value \nLong & Short"," -"," -",35,42," -",30,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Accountant",0,"n/a","n/a","n/a","n/a","n/a","Special 50% Offset","Worksheet \n50% Offset","Special 50% Offset","Worksheet \n50% Offset"," -","Lenders Own","No","Yes","branch","Authorized","No",5,"No","Best to\nBest +.10%","Yes","120 day","w,bw,sm,m","15 & Match",15,"3mo or IRD","No","if uninsured PAT, NAS, SOLIDIFI","CMHC ","Yes","Always","Yes","On Qual","Yes","Yes","Rental Line of Credit  -  70% Rental Offset \n( NO: Taxes, Condo/Strata, Heat, etc. used)"]
["Scotiabank","Scotiabank - \n       ( StartRight Permanent Resident - Rental )",null,{"$f":"VLOOKUP(A105,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","National exc. \nFt.Mac area",65,"35% and Net Worth","10% and P.I.T.","n/a","No Derog's",25000,975000,"Purch, ReFi, ETO, Switch","Residential 1-4 units Rental","5 yr Fixed / Flex Value \nLong & Short"," -"," -",35," -"," -",30,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Accountant","n/a","n/a","n/a","n/a","n/a","n/a","Special 50% Offset","Worksheet \n50% Offset","Special 50% Offset","Worksheet \n50% Offset"," -","Lenders Own","No","Yes","branch","Authorized","No",5,"No","Best","Yes","120 day","w,bw,sm,m","15 & Match",15,"3mo or IRD","No","if uninsured PAT, NAS, SOLIDIFI","n/a","n/a","Always","Yes","On Qual","Yes","Yes","New To Canada rental product\n(NO: Condo/Strata, Heat used)"]
["Street Capital","Street Capital -  ( Insurable O/O Rental )",null,{"$f":"VLOOKUP(A106,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces exc. PQ",95,"5% Own Resources","n/a",620,"Good",75000,"$925,000 plus ins.","Purch, Plus Improv.","O/O to 4 units, Second Home","1,2,3,4,5 yr \n5 ARM",39,44," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, T776 Appraiser, Accountant","T1 or\n Street's DSC","n/a","50% / 100% Rent-Inc.","T1 or\nCalculation","n/a","n/a","n/a","n/a","n/a","n/a",1.1000000000000001,"Lenders Own","Yes","No","No","Legal\n (exc. BC)","Operating Company",4,"No","Best","Yes","120 day","w,bw,m",20,20,"3mo or \nIRD to Posted","No","If Refinance or required by insurer","C.G.","Yes","Always","Yes","On Qual","FCT package","Street Smart","up to $1,500,000 with no sliding scale"]
["Street Capital","Street Capital -  \n                ( PRIME Un-Insurable O/O Rental )",null,{"$f":"VLOOKUP(A107,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces exc. PQ",80,0.2,"n/a",640,"Good",75000,1500000,"Purch, ReFi","O/O to 3 units","1,2,3,4,5 yr \n5 ARM"," -"," -","39","44"," -",30,12," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Accountant","T1 or\n Street's DSC","T1 or\n Street's DSC","50% / 100% Rent-Inc.","T1 or\nCalculation","50% / 100% Rent-Inc.","T1 or\nCalculation","n/a","n/a","n/a","n/a",1.1000000000000001,"Lenders Own","Yes","No","No","Legal\n (exc. BC)","Operating Company",4,"No","Best","Yes","120 day","w,bw,m",20,20,"3mo or \nIRD to Posted","No","If Refinance or required by insurer","C.G.","Yes","Always","Yes","On Qual","FCT package","Street Smart","up to $1,500,000 with no sliding scale"]
["Street Capital","Street Capital -  ( Small Rental  )",null,{"$f":"VLOOKUP(A108,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces exc. PQ",80,"20% Own Resources",100000,680,"Strong",60000,750000,"Purch","Residential 2-4 units, Rental","5 yr \n5 ARM"," -"," -","n/a",40," -",25,10,"higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Accountant","n/a","n/a","n/a","n/a","n/a","n/a","50% Rent-Inc.","T1 or\nCalculation","50% Rent-Inc.","T1 or\nCalculation",1.1000000000000001,"Lenders Own","No","Yes","No","Municipal Standard","check with BDM",4,"No","Best +.10%","Yes","120 day","w,bw,m",20,20,"3mo or \nIRD to Posted","No","if 75% LTV or less NAS, SOLIDIFI","75%-80%  2.90%","Yes","Always","Yes","On Qual","No","Yes"]
["Street Capital","Street Capital - Solutions ( O/O Rental  )",null,{"$f":"VLOOKUP(A109,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","select centres \nBC AB ON NS NL",80,"20% own resources \nNone Gifted / Borrowed","positive","500+/-","Min 1 year clean",50000,750000,"Purch, ReFi, ETO","O/O to 2 Units","1,2,3,4,5 yr"," -"," -","Make Sense","Make Sense"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Bank","100% Offset","100% Offset","50% / 100% Rent-Inc.","100% Offset","50% / 100% Rent-Inc.","100% Offset","n/a","n/a","n/a","n/a",null,null,"Yes","No","No","Municipal Standard","check with BDM",4,"No","Based on Application","No","90 day","w,bw,m",20,20,"3mo or \nIRD to Posted","No","Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes"]
["Street Capital","Street Capital - Solutions ( Small Rental  )",null,{"$f":"VLOOKUP(A110,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","select centres \nBC AB ON NS NL",80,"25% Own Resources","positive","500+/-","Reasonable",50000,600000,"Purch, ReFi, ETO","Rental to 4 Units","1,2,3,4,5 yr"," -"," -","Make Sense","Make Sense"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, T776 Appraiser, Bank","100% Offset","100% Offset","n/a","n/a","n/a","n/a","50% Rent-Inc.","100% Offset","50% Rent-Inc.","100% Offset",null,null,"No","Yes","No","Municipal Standard","check with BDM",4,"No","Based on Application","No","90 day","w,bw,m",20,20,"3mo or \nIRD to Posted","No","Always \nApproved list","n/a","n/a","Always","Yes","On Qual","No","Yes"]
["TD Canada Trust","TD -               ( O/O 2 to 4 units - Insurable )",null,{"$f":"VLOOKUP(A111,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",95,"Own Resources, Gift","positive",620,"Good",20000," No Max.","Purch, Purch Plus Improv.","O/O to 4 units, Second Home,\n (leased land)","1,2,3,4,5,7,10 yr \n5 VIRM",39,44," -"," -",25," -","longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, Appraiser, T776, Realtor","DSC 1.0 or 1.2","n/a","50% Rent-Inc.","DSC 1.0 or 1.2","n/a","n/a","n/a","n/a","n/a","n/a","1.0 or 1.2","Lenders Own","Yes","No","No","HR - Legal Conv - No","No",5,"No","Best","Yes\n to 1.00%","120 day","w,bw,sm,m",15,15,"3mo or IRD","No","NAS, RPS, SOLIDIFI, TD-APV","CMHC, Genworth","Yes","Always","Yes","On Qual","Yes","No","Branch network available to borrower"]
["TD Canada Trust","TD -          ( O/O 2 to 4 units - Un-Insurable )",null,{"$f":"VLOOKUP(A112,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces",80,"Own Resources, Gift","positive",620,"Good",20000," No Max.","Purch, Purch Plus Improv., ReFi, ReFi Plus Improv., ETO","O/O to 4 units, Second Home,\n (leased land)","1,2,3,4,5,7,10 yr \n5 VIRM"," -"," -","35/39","44\nDSC 1.2"," -",30,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T776, Realtor","DSC 1.0 or 1.2","DSC 1.0 or 1.2","50% Rent-Inc.","DSC 1.0 or 1.2","50% Rent-Inc.","DSC 1.0 or 1.2","n/a","n/a","n/a","n/a","1.0 or 1.2","Lenders Own","Yes","No","No","HR - Legal Conv - No","No",5,"No","Best","Yes\n to 1.00%","120 day","w,bw,sm,m",15,15,"3mo or IRD","No","NAS, RPS, SOLIDIFI, TD-APV","CMHC, Genworth","Yes","Always","Yes","On Qual","Yes","Save up to $1,200","Branch network available to borrower"]
["TD Canada Trust","TD -                ( 80% Rental Prop 1 to 4 units )",null,{"$f":"VLOOKUP(A113,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"Own Resources",100000,730,"Good",20000," No Max.","Purch, ReFi, ETO","Residential 1-4 units Rental","1,2,3,4,5,6,7,10 yr"," -"," -"," -","44\nDSC 1.2"," -",30,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T776, Realtor","n/a","n/a","n/a","n/a","n/a","n/a","DSC 1.0 or 1.2","DSC 1.0 or 1.2","DSC 1.0 or 1.2","DSC 1.0 or 1.2","1.0 or 1.2","Lenders Own","No","Yes","No","HR - Legal Conv - No","No",5,"No","Best +.15%","Yes\n to 1.00%","120 day","w,bw,sm,m",15,15,"3mo or IRD","No","NAS, RPS, SOLIDIFI, TD-APV","CMHC ","Yes","Always","Yes","On Qual","Yes","Save up to $1,200","Most popular rental finance product"]
["TD Canada Trust","TD -                ( 75% Rental Prop 1 to 4 units )",null,{"$f":"VLOOKUP(A114,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",75,"Own Resources",100000,680,"Good",20000," No Max.","Purch, ReFi, ETO","Residential 1-4 units Rental","1,2,3,4,5,6,7,10 yr"," -"," -"," -","44\nDSC 1.2"," -",30,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T776, Realtor","n/a","n/a","n/a","n/a","n/a","n/a","DSC 1.0 or 1.2","DSC 1.0 or 1.2","DSC 1.0 or 1.2","DSC 1.0 or 1.2","1.0 or 1.2","Lenders Own","No","Yes","No","HR - Legal Conv - No","No",5,"No","Best +.15%","Yes\n to 1.00%","120 day","w,bw,sm,m",15,15,"3mo or IRD","No","NAS, RPS, SOLIDIFI, TD-APV","CMHC ","Yes","Always","Yes","On Qual","Yes","Save up to $1,200","Most popular rental finance product"]
["TD Canada Trust","TD -                        ( Non-Resident  Rental )",null,{"$f":"VLOOKUP(A115,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",65,"Own Resources 10%+","n/a","see comment","Provable",20000," No Max.","Purch, ReFi, ETO","Rental max 4 units","1,2,3,4,5,6,7,10 yr \n5 VIRM"," -"," -"," -","44\nDSC 1.2"," -",25,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T776, Realtor","n/a","n/a","n/a","n/a","n/a","n/a","DSC 1.0 or 1.2","DSC 1.0 or 1.2","DSC 1.0 or 1.2","DSC 1.0 or 1.2","1.0 or 1.2","Lenders Own","No","Yes","No","Conv - No","No",5,"No","Best +.15%","Yes\n to 1.00%","120 day","w,bw,sm,m",15,15,"3mo or IRD","No","NAS, RPS, SOLIDIFI","n/a","n/a","Always","Yes","On Qual","Yes","Save up to $1,200","Non Resident applicants, up to 3 properties financed with TD"]
["TD Canada Trust","TD -             ( 5+ Multi Unit Insured  Rental )",null,{"$f":"VLOOKUP(A116,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",80,"15% Own Resources","positive","n/a","Good",20000," No Max.","Purch, ReFi, \nCap-Improv., ETO","Rental - 5 units and over","Personal 3-5\n Corporation 3-10"," -"," -","DSC 1.1 to 1.3","DSC 1.1 to 1.3",40,40,"longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark"," -","Lease, BC-RTA, Appraiser, T776, Realtor","n/a","n/a","n/a","n/a","n/a","n/a","DSC 1.1 to 1.3","DSC 1.1 to 1.3","DSC 1.1 to 1.3","DSC 1.1 to 1.3","1.1 - 1.3","Lenders Own","No","No","5 +","Legal","No","No Limit","Some","Cost plus spread","n/a","60/365 days","w,bw,sm,m",15,15,"3mo or IRD","Yes","NAS, RPS, SOLIDIFI","CMHC ","Yes","Always","No","No","No","No","Branch co-operates with Broker"]
["TD Canada Trust","TD -     ( 5+ Multi Unit Conventional  Rental )",null,{"$f":"VLOOKUP(A117,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces",75,"25% Own Resources","positive","n/a","Good",20000," No Max.","Purch, ReFi, \nCap-Improv., ETO","Rental - 5 units and over","Personal 3-5\n Corporation 3-10"," -"," -","DSC 1.2 to 1.3","DSC 1.2 to 1.3"," -",25,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraiser, T776, Realtor","n/a","n/a","n/a","n/a","n/a","n/a","DCR 1.2 - 1.3","DCR 1.2 to 1.3","DCR 1.2 to 1.3","DCR 1.2 to 1.3","1.2 - 1.3","Lenders Own","No","No","5 +","Legal","No","No Limit","Some","Cost plus spread","n/a","60/365 days","w,bw,sm,m",15,15,"3mo or IRD","Yes","NAS, RPS, SOLIDIFI","n/a","n/a","Always","No","No","No","No","Branch co-operates with Broker"]
["Xceed Mortgage","XMC Mortgage ( 2 to 4 Units Owner Occupied )",null,{"$f":"VLOOKUP(A118,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","Provinces exc. PQ",95,"Own Resource, Borrowed or Gift","n/a",600,"No Derog's","$125,000 $75,000","$925,000 \nplus ins.","Purch","O/O to 4 units","3,5 yr \n 1 Open","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Appraiser, T776","T1, or\n 50% Rent-Inc.","n/a","50% / 100%\n Rent-Inc.","80% Offset\n or current T776","n/a","n/a","n/a","n/a","n/a","n/a"," -","Available","Yes","No","No","CMHC Legal\n GNW any","Holding or Operating Company","Case-by-case","No","Best","Unlimited",120,"w,bw,m",20,20,"greater 3mo\n or IRD","No","Only if req'd by insurer","CMHC, Genworth","Yes","Always","Yes","On Qual",null,"Yes","Alimony & Support payment deducted from income - NOT treated as liability"]
["Xceed Mortgage","XMC Mortgage  - ( 2 - 4 Units Rental )",null,{"$f":"VLOOKUP(A119,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","Provinces exc. PQ",80,"Own Resources","n/a",600,"No Derog's","$125,000 $75,000","$925,000 \nplus ins.","Purch","Residential 2-4 units Rental","3,5 yr","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Appraiser, T776","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","80% Offset\n or current T776","n/a","n/a"," -","Available","No","Yes","No","CMHC Legal\n GNW any","Holding or Operating Company","Case-by-case","No","Best","Unlimited",120,"w,bw,m",20,20,"greater 3mo\n or IRD","No","Only if req'd by insurer","CMHC, Genworth","Yes","Always","Yes","On Qual",null,"Yes","Alimony & Support payment deducted from income - NOT treated as liability"]
["Xceed Mortgage","XMC Mortgage  - ( ALT-A  Owner Occupied )",null,{"$f":"VLOOKUP(A120,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","select centres \nBC AB SK MB ON",80,"10% Own Resource","n/a",550,"No Derog's","$125,000 $75,000",1000000,"Purch, ReFi, ETO","Residential 2-3 units O/O","1,3,5 yr"," -"," -",44,44," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraisal, T-776","80% Offset\n or current T776","80% Offset\n or current T776","100% Offset","80% Offset\n or current T776","100% Offset","80% Offset\n or current T776","n/a","n/a","n/a","n/a"," -","Available","No","Yes","No","Legal","No","Case-by-case","No","Competitive",null,"120 / 60","w,bw,m",20,20,"greater 3mo\n or IRD",0.01,"Yes","n/a","n/a","Always","Yes","On Qual","as ReFi","Yes","ALT-A Rental Property Product\nincludes Rental high-rise Condos"]
["Xceed Mortgage","XMC Mortgage  - ( ALT-A  Rental )",null,{"$f":"VLOOKUP(A121,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","select centres \nBC AB SK MB ON",80,"10% Own Resource","n/a",550,"No Derog's","$125,000 $75,000",1000000,"Purch, ReFi, ETO","Residential 1-3 units, Rental","1,3,5 yr"," -"," -",44,44," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraisal, T-776","n/a","n/a","n/a","n/a","n/a","n/a","100% Offset","80% Offset\n or current T776","100% Offset","80% Offset\n or current T776"," -","Available","No","Yes","No","Legal","No","Case-by-case","No","Competitive",null,"120 / 60","w,bw,m",20,20,"greater 3mo\n or IRD",0.01,"Yes","n/a","n/a","Always","Yes","On Qual","as ReFi","Yes","ALT-A Rental Property Product\nincludes Rental high-rise Condos"]
["Xceed Mortgage","XMC Mortgage  - ( \"B\"  Owner Occupied )",null,{"$f":"VLOOKUP(A122,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"O/O","select centres \nBC AB SK MB ON",65,"10% Own Resource","n/a",475,"No Derog's, \nBeacon rejects","$125,000 $75,000",1000000,"Purch, ReFi, ETO","Residential 2-3 units O/O","1,3,5 yr"," -"," -",50,50," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraisal, T-776","80% Offset\n or current T776","80% Offset\n or current T776","100% Offset","80% Offset\n or current T776","100% Offset","80% Offset\n or current T776","n/a","n/a","n/a","n/a"," -","Available","No","Yes","No","Legal","No","Case-by-case","No","Competitive",null,"120 / 60","w,bw,m",10,10,"greater 3mo\n or IRD",0.01,"Always","n/a","n/a","Always","Yes","On Qual","as ReFi","Yes","Competitive \"B\" Lending Rental Property Product\nincludes Rental high-rise Condos"]
["Xceed Mortgage","XMC Mortgage  - ( \"B\"  Rental )",null,{"$f":"VLOOKUP(A123,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","select centres \nBC AB SK MB ON",65,"10% Own Resource","n/a",475,"No Derog's, \nBeacon rejects","$125,000 $75,000",1000000,"Purch, ReFi, ETO","Residential 1-3 units, Rental","1,3,5 yr"," -"," -",50,50," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraisal, T-776","n/a","n/a","n/a","n/a","n/a","n/a","100% Offset","80% Offset\n or current T776","100% Offset","80% Offset\n or current T776"," -","Available","No","Yes","No","Legal","No","Case-by-case","No","Competitive",null,"120 / 60","w,bw,m",10,10,"greater 3mo\n or IRD",0.01,"Always","n/a","n/a","Always","Yes","On Qual","as ReFi","Yes","\" Lending Rental Property Product\nincludes Rental high-rise Condos"]
["Xceed Mortgage","XMC Mortgage   ( Near Prime \"B\" Rental )\n                                                Un-Insured",null,{"$f":"VLOOKUP(A124,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","selected centres \nBC AB SK MB ON",80,"10% Own Resource","n/a",680,"12 months \none previous BK",100000,750000,"Purch, ReFi, ETO","Residential 1-2 units, Rental","1,2,3 yr"," -"," -","48 / 39","48 / 44"," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraisal, T-777","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","current T776","80% Offset","current T776"," -","Available","No","2 max","No","Legal","No",3,"Yes","Based on Application","No","120 / 60","w,bw,m",10,10,"greater 3mo\n or IRD",0.01,"Always","n/a","n/a","Always","Yes","On Qual","as ReFi","Yes","Helps borrowers with impaired credit.\nBroad range of income sources allowed"]
["Xceed Mortgage","XMC Mortgage   ( Near Prime \"B\" Rental )\n                                                Un-Insured",null,{"$f":"VLOOKUP(A125,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","selected centres \nBC AB SK MB ON",75,"10% Own Resource","n/a",500,"12 months \none previous BK",100000,750000,"Purch, ReFi, ETO","Residential 1-4 units, Rental","1,2,3 yr"," -"," -",50,50," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraisal, T-778","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","current T776","80% Offset","current T776"," -","Available","No","Yes","No","Legal","No",3,"Yes","Based on Application","No","120 / 60","w,bw,m",10,10,"greater 3mo\n or IRD",0.01,"Always","n/a","n/a","Always","Yes","On Qual","as ReFi","Yes","Helps borrowers with impaired credit.\nBroad range of income sources allowed"]
["Xceed Mortgage","XMC Mortgage   ( Non-Prime \"B\"  Rental )\n                                                Un-Insured",null,{"$f":"VLOOKUP(A126,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Rental","selected centres \nBC AB SK MB ON",65,"10% Own Resource","n/a",475,"12 months \none previous BK",100000,750000,"Purch, ReFi, ETO","Residential 1-4 units, Rental","1,2,3 yr"," -"," -",50,50," -",30,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Lease, BC-RTA, Appraisal, T-779","n/a","n/a","n/a","n/a","n/a","n/a","80% Offset","current T776","80% Offset","current T776"," -","Available","No","Yes","No","Legal","No",3,"Yes","Based on Application","No","120 / 60","w,bw,m",10,10,"greater 3mo\n or IRD",0.01,"Always","n/a","n/a","Always","Yes","On Qual","as ReFi","Yes","Helps borrowers with impaired credit.\nBroad range of income sources allowed"]
[null,{"$f":"TODAY()","v":"2024-03-06"}]
[null,"Disclaimer"]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not product ownership."]
[]
[null,"Developer:- MMI Mortgage Mentor Inc."]
[null,"Author:- R. A. (Rick) Robertson  MBI"]
[null,"Proprietary Property of R. A. Robertson"]
[null,"© Copyright Sept. 1, 2008 (revised through Jan 2022 )"]
[]
[null,"Use without prior written permission of the Author is prohibited."]

{"sheet":"Qualifier","index":3,"n_rows":45,"n_cols":28,"rows_kept":45,"cut":false,"hidden":true,"merged":[[44,1,44,2],[37,1,37,11],[38,1,38,12],[39,1,39,4],[42,1,42,2],[43,1,43,2],[33,4,33,5],[33,9,33,10],[40,1,40,6],[33,14,33,15],[33,16,33,17],[33,19,33,20],[35,1,35,5],[35,6,35,9],[32,1,32,2],[32,4,32,5],[32,9,32,10],[32,14,32,15],[32,16,32,17],[32,19,32,20],[31,1,31,2],[31,4,31,5],[31,9,31,10],[31,14,31,15],[31,16,31,17],[31,19,31,20],[30,1,30,2],[30,4,30,5],[30,9,30,10],[30,14,30,15],[30,16,30,17],[30,19,30,20],[29,1,29,2],[29,4,29,5],[29,9,29,10],[29,14,29,15],[29,16,29,17],[29,19,29,20],[28,1,28,2],[28,4,28,5],[28,9,28,10],[28,14,28,15],[28,16,28,17],[28,19,28,20],[25,26,26,26],[26,1,26,2],[26,16,26,18],[27,1,27,2],[27,4,27,5],[27,9,27,10],[27,14,27,15],[27,16,27,17],[27,19,27,20],[24,19,24,20],[25,4,25,5],[25,9,25,10],[25,11,26,12],[25,13,26,14],[25,25,26,25],[23,1,23,2],[23,11,23,12],[23,13,23,14],[23,16,23,17],[23,21,23,23],[24,1,24,2],[24,4,24,5],[24,9,24,10],[24,14,24,15],[24,16,24,17],[20,24,21,24],[20,25,21,25],[20,26,21,26],[20,27,21,27],[22,1,22,2],[22,4,22,5],[22,9,22,10],[22,14,22,15],[22,16,22,17],[22,19,22,20],[20,12,21,12],[20,13,21,14],[20,15,21,15],[20,16,21,17],[20,18,21,18],[20,19,21,20],[19,1,19,3],[19,21,19,22],[20,1,20,2],[20,3,21,3],[20,4,21,5],[20,6,21,6],[20,7,21,7],[20,8,21,8],[20,9,21,10],[20,11,21,11],[17,1,17,2],[17,5,17,7],[17,21,17,22],[18,1,18,3],[18,5,18,7],[18,21,18,22],[15,1,15,3],[15,5,15,7],[15,10,15,12],[15,14,15,15],[15,21,15,22],[16,1,16,2],[16,5,16,7],[16,10,16,13],[16,14,16,15],[16,21,16,22],[18,9,18,11],[13,1,13,2],[13,5,13,7],[13,10,13,12],[13,14,13,15],[13,21,13,22],[14,5,14,7],[14,10,14,12],[14,14,14,15],[14,21,14,22],[11,1,11,2],[11,5,11,7],[11,10,11,12],[11,14,11,15],[11,21,11,22],[12,1,12,2],[12,5,12,7],[12,10,12,12],[12,14,12,15],[12,21,12,22],[9,21,9,22],[10,1,10,2],[10,5,10,7],[10,14,10,15],[10,21,10,22],[8,1,8,2],[8,5,8,7],[8,10,8,13],[8,14,8,15],[8,21,8,22],[9,1,9,2],[9,5,9,7],[9,10,9,12],[9,14,9,15],[9,17,9,18],[8,16,8,19],[10,10,10,12],[6,1,6,2],[6,5,6,7],[6,10,6,13],[6,14,6,15],[6,21,6,22],[7,1,7,2],[7,5,7,7],[7,10,7,13],[7,14,7,15],[7,21,7,22],[4,21,4,23],[5,1,5,2],[5,5,5,7],[5,10,5,13],[5,14,5,15],[5,21,5,22],[2,1,2,3],[2,4,2,15],[4,1,4,3],[4,5,4,8],[4,10,4,15],[4,17,4,18]]}
[]
[]
[null,"Prepared for :-"]
[]
[null,"Subject Property",null,null,null,"Income Sources",null,null,null,null,"Liabilities (see table to right)",null,null,null,null,null,null,"Subject Property",null,null,null,"Liability Detail Table (monthly)",null,null,"Total"]
[null,"Purchase price (or value)",null,null,{"$f":"IF(D6=\"\",\"<Req'd\",\"\")","v":"<Req'd"},"Applicant Annual Non-Rental Income",null,null,null,null,"Credit Card",null,null,null,{"$f":"Y10","v":0},null,null,{"$f":"IF(C22=\"Y\",\"GDS\",\"DSR\")","v":"DSR"},{"$f":"IF(OR(D12=0,I19=0),\"\",IF(D43=\"DC\",\"see DCR\",IF(AND(C22=\"N\",D43=\"OS\",AA23<0),O10/I19,IF(AND(C22=\"N\",D43=\"OS\",AA23>0),\"N/A offset\",IF(AND(C22=\"N\",D43=\"O\",AA23=\"offset\"),\"N/A offset\",IF(AND(C22=\"N\",D43=\"O\",AA23>0),AA23/I19,Y23/I19))))))","v":""},null,null,"Credit Card"]
[null,"Down Payment (or equity)",null,null,{"$f":"IF(D7=\"\",\"<Opt\",\"\")","v":"<Opt"},"Co-Applicant Annual Non-Rental Income",null,null,null,null,"Loan (car/ personal / other)",null,null,null,{"$f":"Y13","v":0},null,null,"TDS",{"$f":"IF(D43=\"DC\",\"see DCR\",IF(I19=0,\"add income\",O17/I19))","v":"add income"},null,null,"Credit Card"]
[null,"Mortgage Amount",null,{"$f":"D6-D7","v":0},null,"3rd  Applicant Annual Income",null,null,null,null,"Line of Credit payment",null,null,null,{"$f":"Y16","v":0},null,null,"LTV",{"$f":"IF(D8>0,D12/D6,\"\")","v":""},null,null,"Credit Card"]
[null,"LTV",null,{"$f":"IF(D7>0,D8/D6,\"\")","v":""},null,"4th  Applicant Annual Income",null,null,null,null,"Other monthly debt payment",null,null,null,{"$f":"Y19","v":0},null,{"$f":"IF(C22=\"?\",\"Owner Occupied 'Y'/'N' needed\",\"\")","v":"Owner Occupied 'Y'/'N' needed"},null,null,null,null,"Credit Card"]
[null,"Insurance Premium %",null,null,{"$f":"IF(D10=\"\",\"<Opt\",\"\")","v":"<Opt"},"Total Applicant Income",null,null,{"$f":"+SUM(I6:I9)","v":0},null,{"$f":"IF(D$43=\"N\",\"SUBJECT PROPERTY payments\",IF(D43=\"DC\",\"Subject Property  -  DCR\",\"'Net' Outflows from Subject\"))","v":"'Net' Outflows from Subject"},null,null,{"$f":"IF(D43=\"DC\",AB23,\"z\")","v":"z"},{"$f":"IF(D$43=\"N\",Y23,IF(D$43=\"\",\"\",IF(D43=\"DC\",\"n/a\",IF(D$43=\"RI\",Y23,IF(AND(D$43=\"O\",Y23+Z23>0),Y23+Z23,IF(AND(D$43=\"OS\",Y23+Z23>0),Y23+Z23,\"offset\"))))))","v":"offset"},null,null,"Overall Ratios",null,null,null,"Credit Card",null,null,{"$f":"SUM(X6:X10)","v":0}]
[null,"Insurance Premium  Amount",null,{"$f":"D10*D8","v":0},null,"Equivalent Monthly Income",null,null,{"$f":"I10/12","v":0},null,{"$f":"IF(C22=\"\",\"\",IF(C22=\"y\",\"\",IF(AND(C22=\"N\",D$44=\"DC\"),\"Residence DCR\",\"Non-Subject Residence\")))","v":"Non-Subject Residence"},null,null,{"$f":"IF(D$44=\"DC\",AB25,\"z\")","v":"z"},{"$f":"IF(C22=\"Y\",\"\",IF(D$44=\"N\",Y25,IF(D$44=\"\",\"\",IF(D$44=\"RI\",Y25,IF(AND(D$44=\"O\",Y25+Z25>0),Y25+Z25,IF(AND(D$44=\"OS\",Y25+Z25>0),Y25+Z25,\"offset\"))))))","v":"offset"},null,null,"GDS",{"$f":"IF(AND(Y23=0,Y25=0),\"N/A\",IF(C22=\"N\",Y25/I19,Y23/I19))","v":"N/A"},null,null,"Loan (car/ personal / other)"]
[null,"Total Mortgage Amount",null,{"$f":"D8*(1+D10)","v":0},null,"Rent from Subject Property",null,null,{"$f":"IF(D43=\"\",\"\",IF($D43=\"RI\",AA23,IF(AND($D$43=\"OS\",AA23>0),AA23,\"n/a\")))","v":"n/a"},null,{"$f":"IF(D$45=\"DC\",\"Other Property #1  -  DCR\",\"Outflows from Property  #1\")","v":"Outflows from Property  #1"},null,null,{"$f":"IF(D$45=\"DC\",AB28,\"z\")","v":"z"},{"$f":"IF(D$45=\"\",\"\",IF(D$45=\"DC\",\"n/a\",IF(D$45=\"RI\",Y28,IF(AND(D$45=\"O\",Y28+Z28>0),Y28+Z28,IF(AND(D$45=\"OS\",Y28+Z28>0),Y28+Z28,\"offset\")))))","v":"offset"},null,null,"TDS",{"$f":"IF(D45=\"DC\",\"see DCR\",IF(I19=0,\"add income\",O17/I19))","v":"add income"},null,null,"Loan (car/ personal / other)"]
[null,"Interest rate (for this financing)",null,null,{"$f":"IF(D13=\"\",\"<Req'd\",\"\")","v":"<Req'd"},{"$f":"IF(AND(C22=\"n\",M25>0),\"Rent from Residence\",\"x\")","v":"x"},null,null,{"$f":"IF(F13=\"x\",\"x\",IF(D$44=\"\",\"\",IF($D$44=\"RI\",AA25,IF(AND($D$44=\"OS\",AA25>0),AA25,\"n/a\"))))","v":"x"},null,{"$f":"IF(D$45=\"DC\",\"Other Property #2  -  DCR\",\"Outflows from Property  #2\")","v":"Outflows from Property  #2"},null,null,{"$f":"IF(D$45=\"DC\",AB29,\"z\")","v":"z"},{"$f":"IF(D$45=\"\",\"\",IF(D$45=\"DC\",\"n/a\",IF(D$45=\"RI\",Y29,IF(AND(D$45=\"O\",Y29+Z29>0),Y29+Z29,IF(AND(D$45=\"OS\",Y29+Z29>0),Y29+Z29,\"offset\")))))","v":"offset"},null,null,"LTV",{"$f":"IF(D23+D34=0,\"\",(E23+E25+E34)/(D23+D25+D34))","v":""},null,null,"Loan (car/ personal / other)",null,null,{"$f":"SUM(X11:X13)","v":0}]
[null,"Amortization (in years)",null,null,{"$f":"IF(D14=\"\",\"<Req'd\",\"\")","v":"<Req'd"},"Rent from Property #1",null,null,{"$f":"IF(D$45=\"\",\"\",IF($D$45=\"RI\",AA28,IF(AND($D$45=\"OS\",AA28>0),AA28,\"n/a\")))","v":"n/a"},null,{"$f":"IF(D$45=\"DC\",\"Other Property #3  -  DCR\",\"Outflows from Property  #3\")","v":"Outflows from Property  #3"},null,null,{"$f":"IF(D$45=\"DC\",AB30,\"z\")","v":"z"},{"$f":"IF(D$45=\"\",\"\",IF(D$45=\"DC\",\"n/a\",IF(D$45=\"RI\",Y30,IF(AND(D$45=\"O\",Y30+Z30>0),Y30+Z30,IF(AND(D$45=\"OS\",Y30+Z30>0),Y30+Z30,\"offset\")))))","v":"offset"},null,null,null,null,null,null,"Line of Credit payment"]
[null,"Help & Disclaimer",null,null,null,"Rent from Property #2",null,null,{"$f":"IF(D$45=\"\",\"\",IF($D$45=\"RI\",AA29,IF(AND($D$45=\"OS\",AA29>0),AA29,\"n/a\")))","v":"n/a"},null,{"$f":"IF(D$45=\"DC\",\"Other Property #4  -  DCR\",\"Outflows from Property  #4\")","v":"Outflows from Property  #4"},null,null,{"$f":"IF(D$45=\"DC\",AB31,\"z\")","v":"z"},{"$f":"IF(D$45=\"\",\"\",IF(D$45=\"DC\",\"n/a\",IF(D$45=\"RI\",Y31,IF(AND(D$45=\"O\",Y31+Z31>0),Y31+Z31,IF(AND(D$45=\"OS\",Y31+Z31>0),Y31+Z31,\"offset\")))))","v":"offset"},null,null,null,null,null,null,"Line of Credit payment"]
[null,null,null,null,null,"Rent from Property #3",null,null,{"$f":"IF(D$45=\"\",\"\",IF($D$45=\"RI\",AA30,IF(AND($D$45=\"OS\",AA30>0),AA30,\"n/a\")))","v":"n/a"},null,{"$f":"IF(D45=\"DC\",\"Other Properties #5 + #6  -  DCR\",\"Outflows from Properties 5+6\")","v":"Outflows from Properties 5+6"},null,null,{"$f":"IF(D$45=\"DC\",((AB32+AB33)/2),\"z\")","v":"z"},{"$f":"IF(D45=\"\",\"\",IF(D45=\"DC\",\"n/a\",IF(D45=\"RI\",Y32+Y33,IF(AND(D45=\"O\",(Y32+Y33+Z32+Z33)>0),(Y32+Y33+Z32+Z33),IF(AND(D45=\"OS\",(Y32+Y33+Z32+Z33)>0),Y32+Y33+Z32+Z33,\"offset\")))))","v":"offset"},null,null,null,null,null,null,"Line of Credit payment",null,null,{"$f":"SUM(X14:X16)","v":0}]
[null,"Save feature ~  File Number",null,null,null,"Rent from Property #4",null,null,{"$f":"IF(D$45=\"\",\"\",IF($D$45=\"RI\",AA31,IF(AND($D$45=\"OS\",AA31>0),AA31,\"n/a\")))","v":"n/a"},null,"Total Monthly Payments",null,null,null,{"$f":"SUM(O5:O14)","v":0},null,null,null,null,null,null,"Other monthly debt pmt"]
[null,{"$f":"IF(ISBLANK(D18),\"Save feature ~  Save Until\",IF(SaveUntil<(TODAY()+1),\"needs to be a Future Date to save\",\"This file will be deleted after\"))","v":"Save feature ~  Save Until"},null,null,null,"Rent from Additional Properties",null,null,{"$f":"IF(D45=\"\",\"\",IF(D45=\"\",\"n/a\",IF($D$45=\"RI\",AA32+AA33,IF(AND($D$45=\"OS\",(AA32+AA33)>0),(AA32+AA33),\"n/a\"))))","v":"n/a"},null,null,null,null,null,null,null,null,null,null,null,null,"Other monthly debt pmt"]
[null,null,null,null,null,"Monthly Income",null,null,{"$f":"SUM(I11:I18)","v":0},{"$f":"IF(AND(I19=0,O17>0),\"Income needed\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,"Other monthly debt pmt",null,null,{"$f":"SUM(X17:X19)","v":0}]
[]
[null,"Subject Property",null,"Property Value","Mortgage Amount or Balance",null,"Monthly Mortgage  payment","Monthly Rent for Whole\n or Suite 1","Monthly Rent Suite 2","Monthly Rent Suite 3",null,"Monthly Rent Suite 4","Total Rent","click here Select rent use type",null,"Offset Amount","City Taxes\n(monthly)",null,"Heating cost\n(monthly)","Condo Strata Fees\n(enter 50%)",null,"Fire Insurance %","Vacancy %","Maintenance %","Total\nMort. Pmts. plus Expenses",{"$f":"IF(N21=\"no rent\",\"No Rent\",IF(N21=\"select rent use type here\",\"x\",\"'Offset' Amount\"))","v":"'Offset' Amount"},{"$f":"IF($D43=\"N\",\"No Rent - Subject Property\",IF($D43=\"RI\",\"Amount of Rent added to Income\",IF(D43=\"OS\",\"Surplus to Income - Shortfall to Liabilities\",IF(D43=\"O\",\"Expenses less Offset\",IF(D43=\"DC\",\"Debt Coverage Ratio\",\"x\")))))","v":"x"},"D.C.R. \nCalc "]
[null,{"$f":"IF(C22=\"?\",\"select Owner Occupied (Y/N)\", \"Owner Occupied  \")","v":"select Owner Occupied (Y/N)"},"?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N22=\"no rent\",\"No Rent\",IF(N22=\"select home rent use type here\",\"x\",\"'Offset' Amount\"))","v":"'Offset' Amount"}]
[null,null,null,{"$f":"D6","v":0},{"$f":"D12","v":0},null,{"$f":"-IF(AND(D8<>0,D13=0,D14<>0),D12/(-D14*12),IF(AND(D8<>0,D13<>0,D14<>0),PMT((1+(D13/2))^(0.166666666667)-1,(D14*12),D12,0,0)))","v":0},null,null,null,null,null,{"$f":"SUM(H23:L23)","v":0},null,{"$f":"M23*N23","v":0},null,null,null,null,null,null,{"$f":"IF($V24=\"Do Not use %'s on Subject Property\",0,V$22*$M23)","v":0},{"$f":"IF($V24=\"Do Not use %'s on Subject Property\",0,W$22*$M23)","v":0},{"$f":"IF($V24=\"Do Not use %'s on Subject Property\",0,X$22*$M23)","v":0},{"$f":"G23+SUM(Q23:X23)","v":0},{"$f":"IF(D43=\"n\",\"\",IF(D43=\"\",\"\",IF(D43=\"RI\",\"\",IF(D43=\"DC\",\"n/a\",-O23))))","v":0},{"$f":"IF(D$43=\"\",\"\",IF(D$43=\"n\",\"\",IF(D$43=\"DC\",AB23,IF($D$43=\"RI\",O23,IF(AND($D$43=\"O\",Y23+Z23<0),\"offset\",IF(AND($D$43=\"OS\",Y23+Z23>0),-(Y23+Z23),IF(AND($D$43=\"OS\",Y23+Z23<0),-(Y23+Z23),(Y23+Z23))))))))","v":0},{"$f":"IF(G23=0,0,(M23-(SUM(Q23:X23)))/G23)","v":0}]
[null,{"$f":"IF(C22=\"N\",\"Applicant Residence Info.\",\"next line only used if Subject property is NOT applicant's residence\")","v":"next line only used if Subject property is NOT applicant's residence"},null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(D43=\"C\",G23>0),\"'rent use type' required for Subject Property\",IF(AND(C22=\"N\",D44=\"C\",D25>0),\"'rent use type' required for Applicant Residence\",\"\"))","v":""},null,"click here Select home rent type",null,null,null,null,null,null,null,"Click here to choose if percentages apply to the Subject Property",null,null,null,{"$f":"IF(N24=\"no rent\",\"No Rent\",IF(N24=\"select home rent use type here\",\"x\",\"'Offset' Amount\"))","v":"'Offset' Amount"},{"$f":"IF($D44=\"RI\",\"Amount of Rent added to Income\",IF(D44=\"OS\",\"Surplus to Income - Shortfall to Liabilities\",IF(D44=\"O\",\"Expenses less Offset\",\"x\")))","v":"x"}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(H25:L25)","v":0},null,{"$f":"M25*N25","v":0},null,null,null,null,null,null,null,null,null,{"$f":"G25+SUM(Q25:U25)","v":0},{"$f":"IF(D44=\"N\",\"\",IF(D44=\"\",\"\",IF(D44=\"RI\",\"\",-O25)))","v":0},{"$f":"IF(D$44=\"N\",\"\",IF(D$44=\"\",\"\",IF($D$44=\"RI\",O25,IF(AND($D$44=\"O\",Y25+Z25<0),\"offset\",IF(AND($D$44=\"OS\",Y25+Z25>0),(Y25+Z25),IF(AND($D$44=\"OS\",Y25+Z25<0),(Y25+Z25),(Y25+Z25)))))))","v":0},{"$f":"IF(G25=0,0,(M25-(SUM(Q25:X25)))/G25)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"click here Select other rent use type",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(N26=\"select use type for other rents\",\"x\",\"'Offset' Amount\")","v":"'Offset' Amount"},{"$f":"IF($D45=\"RI\",\"Amount of Rent Added to Income\",IF(D45=\"OS\",\"Surplus to Income - Shortfall to Liabilities\",IF(D45=\"O\",\"Offset Only  Net Rent Expense\",IF(D$45=\"DC\",\"Debt Coverage Ratio\",\"x\"))))","v":"x"},{"$f":"IF(G26=0,\"\",(M26-(SUM(Q26:X26)))/G26)","v":""}]
[null,"Other Properties Owned"]
[1,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(H28:L28)","v":0},null,{"$f":"M28*N28","v":0},null,null,null,null,null,null,{"$f":"V$22*$M28","v":0},0,0,{"$f":"G28+SUM(Q28:X28)","v":0},{"$f":"IF(D$45=\"\",\"\",IF($D$45=\"RI\",\"\",IF(D$45=\"DC\",\"n/a\",-O28)))","v":0},{"$f":"IF(D$45=\"\",\"\",IF(D$45=\"DC\",AB28,IF($D$45=\"RI\",O28,IF(AND($D$45=\"O\",Y28+Z28<0),\"offset\",IF(AND($D$45=\"OS\",Y28+Z28>0),-(Y28+Z28),IF(AND($D$45=\"OS\",Y28+Z28<0),-(Y28+Z28),(Y28+Z28)))))))","v":0},{"$f":"IF(ISBLANK(G28),0,(M28-(SUM(Q28:X28)))/G28)","v":0}]
[2,null,null,null,null,null,null,null,null,null,null,null,0,null,0,null,null,null,null,null,null,0,0,0,0,0,0,0]
[3,null,null,null,null,null,null,null,null,null,null,null,0,null,0,null,null,null,null,null,null,0,0,0,0,0,0,0]
[4,null,null,null,null,null,null,null,null,null,null,null,0,null,0,null,null,null,null,null,null,0,0,0,0,0,0,0]
[5,null,null,null,null,null,null,null,null,null,null,null,0,null,0,null,null,null,null,null,null,0,0,0,0,0,0,0]
[6,null,null,null,null,null,null,null,null,null,null,null,0,null,0,null,null,null,null,null,null,0,0,0,0,0,0,0]
[null,null,null,{"$f":"SUM(D28:D33)","v":0},{"$f":"SUM(E28:E33)","v":0},null,{"$f":"SUM(G28:G33)","v":0},{"$f":"SUM(H28:H33)","v":0},{"$f":"SUM(I28:I33)","v":0},{"$f":"SUM(J28:J33)","v":0},null,{"$f":"SUM(L28:L33)","v":0},{"$f":"SUM(M28:M33)","v":0},{"$f":"IF(O34=0,\"\",O34/M34)","v":""},{"$f":"SUM(O28:O33)","v":0},null,{"$f":"SUM(Q28:Q33)","v":0},null,{"$f":"SUM(S28:S33)","v":0},{"$f":"SUM(U28:U33)","v":0},null,0,0,0,0,0,{"$f":"IF(D$45=\"\",\"\",IF($D$45=\"RI\",O34,IF(AND($D$45=\"O\",Y34+Z34>0),Y34+Z34,IF(AND($D$45=\"OS\",Z34+Y34<0),-(Y34+Z34),IF(D$45=\"DC\",AB34,(Y34+Z34))))))","v":0},{"$f":"IF(G34=0,0,(M34-(SUM(Q34:X34)))/G34)","v":0}]
[]
[null,"© Copyright Aug. 1, 2008 (revised through March 2024 )",null,null,null,null,{"$f":"Comparison!B133","v":"Proprietary Property of R. A. Robertson"}]
[]
[null,{"$f":"Comparison!B128","v":"Disclaimer"}]
[null,"Information provided on this page is that as known to and entered by the mortgage broker or agent completing the table above.  Lender guidelines and policies used for qualification purposes may change without prior written notice.  Lender offerings available at the time of submission of an application for approval should be confirmed by referring to the latest lender literature or contacting the lender directly prior to submitting an application to the lender. The above information is provided for the purpose of assessing various financing possibilities.  It is no indication that such financing will actually be available on any given date. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not software product ownership."]
[null,{"$f":"Comparison!B132","v":"Author:- R. A. (Rick) Robertson  MBI"}]
[null,{"$f":"Comparison!B136","v":"Use without prior written permission of the Author is prohibited."}]
[]
[null,"re Subject Property",null,{"$f":"IF(N21=\"No Rent\",\"N\",IF(N21=\"Offset Only %\",\"O\",IF(N21=\"Offset % w/Surplus to Income\",\"OS\",IF(N21=\"% Rent-to-Income\",\"RI\",IF(N21=\"Debt Coverage Ratio\",\"DC\",\"C\")))))","v":"C"}]
[null,"re Residence",null,{"$f":"IF(N24=\"No Rent\",\"N\",IF(N24=\"Offset Only %\",\"O\",IF(N24=\"Offset % w/Surplus to Income\",\"OS\",IF(N24=\"% Rent-to-Income\",\"RI\",IF(N24=\"Debt Coverage Ratio\",\"DC\",\"C\")))))","v":"C"}]
[null,"re Other Properties",null,{"$f":"IF(N26=\"Offset Only %\",\"O\",IF(N26=\"Offset % w/Surplus to Income\",\"OS\",IF(N26=\"% Rent-to-Income\",\"RI\",IF(N26=\"Debt Coverage Ratio\",\"DC\",\"C\"))))","v":"C"}]

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[]
[null,null,null,null,null,null,null,null,"Client Name:-",null,{"$f":"Qualifier!E3","v":0}]
[]
[null,null,null,null,null,null,null,null,"By :-",null,{"$f":"'[2]Your Data'!$D$8","v":"Enter \"My Info\" data"},null,null,null,null,null,null,{"$f":"'[2]Your Data'!$D$9","v":"Enter \"My Info\" data"},null,null,null,{"$f":"'[2]Your Data'!$D$10","v":"Enter \"My Info\" data"}]
[]
[null,"Subject Property",null,null,null,"Income Sources",null,null,null,null,"Liabilities",null,null,null,null,null,null,"Debt Servicing",null,null,null,"Liability Detail Table (monthly)",null,null,"Total"]
[null,"Purchase price (or value)",null,{"$f":"Qualifier!D6","v":0},null,"Applicant Annual Income",null,null,{"$f":"Qualifier!I6","v":0},null,"Credit Card",null,null,null,{"$f":"Qualifier!O6","v":0},null,null,null,null,null,null,"Credit Card",null,{"$f":"Qualifier!X6","v":0}]
[null,"Down Payment (or equity)",null,{"$f":"Qualifier!D7","v":0},null,"Co-Applicant Annual Income",null,null,{"$f":"Qualifier!I7","v":0},null,"Loan (car/ personal / other)",null,null,null,{"$f":"Qualifier!O7","v":0},null,null,"Subject Property",null,null,null,"Credit Card",null,{"$f":"Qualifier!X7","v":0}]
[null,"Mortgage Amount",null,{"$f":"Qualifier!D8","v":0},null,"3rd  Applicant Annual Income",null,null,{"$f":"Qualifier!I8","v":0},null,"Line of Credit payment",null,null,null,{"$f":"Qualifier!O8","v":0},null,null,{"$f":"Qualifier!R6","v":"DSR"},{"$f":"Qualifier!S6","v":""},null,null,"Credit Card",null,{"$f":"Qualifier!X8","v":0}]
[null,"LTV",null,{"$f":"Qualifier!D9","v":""},null,"4th  Applicant Annual Income",null,null,{"$f":"Qualifier!I9","v":0},null,"Other monthly debt payment",null,null,null,{"$f":"Qualifier!O9","v":0},null,null,{"$f":"Qualifier!R7","v":"TDS"},{"$f":"Qualifier!S7","v":"add income"},null,null,"Credit Card",null,{"$f":"Qualifier!X9","v":0}]
[null,"Insurance Premium %",null,{"$f":"Qualifier!D10","v":0},null,"Total Applicant Income",null,null,{"$f":"Qualifier!I10","v":0},null,{"$f":"Qualifier!K10","v":"'Net' Outflows from Subject"},null,null,{"$f":"Qualifier!N12","v":"z"},{"$f":"Qualifier!O10","v":"offset"},null,null,{"$f":"Qualifier!R8","v":"LTV"},{"$f":"Qualifier!S8","v":""},null,null,"Credit Card",null,{"$f":"Qualifier!X10","v":0},{"$f":"Qualifier!Y10","v":0}]
[null,"Insurance Premium  Amount",null,{"$f":"Qualifier!D11","v":0},null,"Equivalent Monthly Income",null,null,{"$f":"Qualifier!I11","v":0},null,{"$f":"Qualifier!K11","v":"Non-Subject Residence"},null,null,null,{"$f":"Qualifier!O11","v":"offset"},null,null,null,null,null,null,"Loan  car-personal-other",null,{"$f":"Qualifier!X11","v":0}]
[null,"Total Mortgage Amount",null,{"$f":"Qualifier!D12","v":0},null,"Rent from Subject Property",null,null,{"$f":"Qualifier!I12","v":"n/a"},null,{"$f":"Qualifier!K12","v":"Outflows from Property  #1"},null,null,{"$f":"Qualifier!N12","v":"z"},{"$f":"Qualifier!O12","v":"offset"},null,null,"Total All Properties",null,null,null,"Loan  car-personal-other",null,{"$f":"Qualifier!X12","v":0}]
[null,"Interest rate (for this financing)",null,{"$f":"Qualifier!D13","v":0},null,null,null,null,{"$f":"Qualifier!I13","v":"x"},null,{"$f":"Qualifier!K13","v":"Outflows from Property  #2"},null,null,{"$f":"Qualifier!N13","v":"z"},{"$f":"Qualifier!O13","v":"offset"},null,null,{"$f":"Qualifier!R11","v":"GDS"},{"$f":"Qualifier!S11","v":"N/A"},null,null,"Loan  car-personal-other",null,{"$f":"Qualifier!X13","v":0},{"$f":"Qualifier!Y13","v":0}]
[null,"Amortization (in years)",null,{"$f":"Qualifier!D14","v":0},null,"Rent from Property #1",null,null,{"$f":"Qualifier!I14","v":"n/a"},null,{"$f":"Qualifier!K14","v":"Outflows from Property  #3"},null,null,{"$f":"Qualifier!N14","v":"z"},{"$f":"Qualifier!O14","v":"offset"},null,null,{"$f":"Qualifier!R12","v":"TDS"},{"$f":"Qualifier!S12","v":"add income"},null,null,"Line of Credit",null,{"$f":"Qualifier!X14","v":0}]
[null,null,null,null,null,"Rent from Property #2",null,null,{"$f":"Qualifier!I15","v":"n/a"},null,{"$f":"Qualifier!K15","v":"Outflows from Property  #4"},null,null,{"$f":"Qualifier!N15","v":"z"},{"$f":"Qualifier!O15","v":"offset"},null,null,{"$f":"Qualifier!R13","v":"LTV"},{"$f":"Qualifier!S13","v":""},null,null,"Line of Credit",null,{"$f":"Qualifier!X15","v":0}]
[null,null,null,null,null,"Rent from Property #3",null,null,{"$f":"Qualifier!I16","v":"n/a"},null,{"$f":"Qualifier!K16","v":"Outflows from Properties 5+6"},null,null,{"$f":"Qualifier!N16","v":"z"},{"$f":"Qualifier!O16","v":"offset"},null,null,null,null,null,null,"Line of Credit",null,{"$f":"Qualifier!X16","v":0},{"$f":"Qualifier!Y16","v":0}]
[null,null,null,null,null,"Rent from Property #4",null,null,{"$f":"Qualifier!I17","v":"n/a"},null,"Total Monthly Payments",null,null,null,{"$f":"Qualifier!O17","v":0},null,null,null,null,null,null,"Other monthly debt",null,{"$f":"Qualifier!X17","v":0}]
[null,null,null,null,null,"Rent from Additional Properties",null,null,{"$f":"Qualifier!I18","v":"n/a"},null,null,null,null,null,null,null,null,null,null,null,null,"Other monthly debt",null,{"$f":"Qualifier!X18","v":0}]
[null,null,null,null,null,"Total Monthly Income",null,null,{"$f":"Qualifier!I19","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Other monthly debt",null,{"$f":"Qualifier!X19","v":0},{"$f":"Qualifier!Y19","v":0}]
[]
[null,"Subject Property",null,"Property Value","Mortgage Amount or Balance",null,"Monthly Mortgage  payment","Monthly Rent for Whole\n or Suite 1","Monthly Rent Suite 2","Monthly Rent Suite 3",null,"Monthly Rent Suite 4","Total Rent",{"$f":"IF(Qualifier!N21=\"Select rent use type here\",\"\",Qualifier!N21)","v":"click here Select rent use type"},null,"Offset Amount","City Taxes",null,"Heating cost","Condo Strata Fees\n(50%)",null,"Fire Insurance","Vacancy","Maintenance","Total\nMort. Pmts. plus Expenses",{"$f":"IF(Qualifier!Z21=\"x\",\"\",Qualifier!Z21)","v":"'Offset' Amount"},{"$f":"IF(Qualifier!AA21=\"x\",\"\",Qualifier!AA21)","v":""}]
[null,"Owner Occupied",{"$f":"Qualifier!C22","v":"?"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Qualifier!V22","v":0},{"$f":"Qualifier!W22","v":0},{"$f":"Qualifier!X22","v":0},null,{"$f":"IF(N23=\"no rent\",\"No Rent\",IF(N23=\"select home rent use type here\",\"x\",\"'Offset' Amount\"))","v":"'Offset' Amount"}]
[null,0,null,{"$f":"Qualifier!D23","v":0},{"$f":"Qualifier!E23","v":0},null,{"$f":"Qualifier!G23","v":0},{"$f":"Qualifier!H23","v":0},{"$f":"Qualifier!I23","v":0},{"$f":"Qualifier!J23","v":0},null,{"$f":"Qualifier!L23","v":0},{"$f":"Qualifier!M23","v":0},{"$f":"Qualifier!N23","v":0},{"$f":"Qualifier!O23","v":0},null,{"$f":"Qualifier!Q23","v":0},null,{"$f":"Qualifier!S23","v":0},{"$f":"Qualifier!T23","v":0},null,{"$f":"Qualifier!V23","v":0},{"$f":"Qualifier!W23","v":0},{"$f":"Qualifier!X23","v":0},{"$f":"Qualifier!Y23","v":0},{"$f":"Qualifier!Z23","v":0},{"$f":"Qualifier!AA23","v":0}]
[null,{"$f":"IF(Qualifier!B24=\"APPLICANT RESIDENCE INFO.\",Qualifier!B24,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Qualifier!N24=\"Select home rent use type here\",\"\",Qualifier!N24)","v":"click here Select home rent type"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Qualifier!Z24=\"x\",\"\",Qualifier!Z24)","v":"'Offset' Amount"},{"$f":"IF(Qualifier!AA24=\"x\",\"\",Qualifier!AA24)","v":""}]
[null,{"$f":"Qualifier!B25","v":0},null,{"$f":"Qualifier!D25","v":0},{"$f":"Qualifier!E25","v":0},null,{"$f":"Qualifier!G25","v":0},{"$f":"Qualifier!H25","v":0},{"$f":"Qualifier!I25","v":0},{"$f":"Qualifier!J25","v":0},null,{"$f":"Qualifier!L25","v":0},{"$f":"Qualifier!M25","v":0},{"$f":"Qualifier!N25","v":0},{"$f":"Qualifier!O25","v":0},null,{"$f":"Qualifier!Q25","v":0},null,{"$f":"Qualifier!S25","v":0},{"$f":"Qualifier!T25","v":0},null,null,null,null,{"$f":"Qualifier!Y25","v":0},{"$f":"Qualifier!Z25","v":0},{"$f":"Qualifier!AA25","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Qualifier!N26=\"Select use type for other rents\",\"\",Qualifier!N26)","v":"click here Select other rent use type"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Qualifier!Z26=\"x\",\"\",Qualifier!Z26)","v":"'Offset' Amount"},{"$f":"IF(Qualifier!AA26=\"x\",\"\",Qualifier!AA26)","v":""}]
[null,"Other Properties Owned",null,null,null,null,null,null,null,null,null,null,null,0]
[null,{"$f":"IF(Qualifier!B28=0,\"\",Qualifier!B28)","v":""},null,{"$f":"IF(Qualifier!D28=0,\"\",Qualifier!D28)","v":""},{"$f":"IF(Qualifier!E28=0,\"\",Qualifier!E28)","v":""},null,{"$f":"IF(Qualifier!G28=0,\"\",Qualifier!G28)","v":""},{"$f":"IF(Qualifier!H28=0,\"\",Qualifier!H28)","v":""},{"$f":"IF(Qualifier!I28=0,\"\",Qualifier!I28)","v":""},{"$f":"IF(Qualifier!J28=0,\"\",Qualifier!J28)","v":""},null,{"$f":"IF(Qualifier!L28=0,\"\",Qualifier!L28)","v":""},{"$f":"IF(Qualifier!M28=0,\"\",Qualifier!M28)","v":""},{"$f":"Qualifier!N28","v":0},{"$f":"Qualifier!O28","v":0},null,{"$f":"Qualifier!Q28","v":0},null,{"$f":"Qualifier!S28","v":0},{"$f":"Qualifier!T28","v":0},null,{"$f":"Qualifier!V28","v":0},{"$f":"Qualifier!W28","v":0},{"$f":"Qualifier!X28","v":0},{"$f":"Qualifier!Y28","v":0},{"$f":"Qualifier!Z28","v":0},{"$f":"Qualifier!AA28","v":0}]
[null,{"$f":"IF(Qualifier!B29=0,\"\",Qualifier!B29)","v":""},null,{"$f":"IF(Qualifier!D29=0,\"\",Qualifier!D29)","v":""},{"$f":"IF(Qualifier!E29=0,\"\",Qualifier!E29)","v":""},null,{"$f":"IF(Qualifier!G29=0,\"\",Qualifier!G29)","v":""},{"$f":"IF(Qualifier!H29=0,\"\",Qualifier!H29)","v":""},{"$f":"IF(Qualifier!I29=0,\"\",Qualifier!I29)","v":""},{"$f":"IF(Qualifier!J29=0,\"\",Qualifier!J29)","v":""},null,{"$f":"IF(Qualifier!L29=0,\"\",Qualifier!L29)","v":""},{"$f":"IF(Qualifier!M29=0,\"\",Qualifier!M29)","v":""},{"$f":"Qualifier!N29","v":0},{"$f":"Qualifier!O29","v":0},null,{"$f":"Qualifier!Q29","v":0},null,{"$f":"Qualifier!S29","v":0},{"$f":"Qualifier!T29","v":0},null,{"$f":"Qualifier!V29","v":0},{"$f":"Qualifier!W29","v":0},{"$f":"Qualifier!X29","v":0},{"$f":"Qualifier!Y29","v":0},{"$f":"Qualifier!Z29","v":0},{"$f":"Qualifier!AA29","v":0}]
[null,{"$f":"IF(Qualifier!B30=0,\"\",Qualifier!B30)","v":""},null,{"$f":"IF(Qualifier!D30=0,\"\",Qualifier!D30)","v":""},{"$f":"IF(Qualifier!E30=0,\"\",Qualifier!E30)","v":""},null,{"$f":"IF(Qualifier!G30=0,\"\",Qualifier!G30)","v":""},{"$f":"IF(Qualifier!H30=0,\"\",Qualifier!H30)","v":""},{"$f":"IF(Qualifier!I30=0,\"\",Qualifier!I30)","v":""},{"$f":"IF(Qualifier!J30=0,\"\",Qualifier!J30)","v":""},null,{"$f":"IF(Qualifier!L30=0,\"\",Qualifier!L30)","v":""},{"$f":"IF(Qualifier!M30=0,\"\",Qualifier!M30)","v":""},{"$f":"Qualifier!N30","v":0},{"$f":"Qualifier!O30","v":0},null,{"$f":"Qualifier!Q30","v":0},null,{"$f":"Qualifier!S30","v":0},{"$f":"Qualifier!T30","v":0},null,{"$f":"Qualifier!V30","v":0},{"$f":"Qualifier!W30","v":0},{"$f":"Qualifier!X30","v":0},{"$f":"Qualifier!Y30","v":0},{"$f":"Qualifier!Z30","v":0},{"$f":"Qualifier!AA30","v":0}]
[null,{"$f":"IF(Qualifier!B31=0,\"\",Qualifier!B31)","v":""},null,{"$f":"IF(Qualifier!D31=0,\"\",Qualifier!D31)","v":""},{"$f":"IF(Qualifier!E31=0,\"\",Qualifier!E31)","v":""},null,{"$f":"IF(Qualifier!G31=0,\"\",Qualifier!G31)","v":""},{"$f":"IF(Qualifier!H31=0,\"\",Qualifier!H31)","v":""},{"$f":"IF(Qualifier!I31=0,\"\",Qualifier!I31)","v":""},{"$f":"IF(Qualifier!J31=0,\"\",Qualifier!J31)","v":""},null,{"$f":"IF(Qualifier!L31=0,\"\",Qualifier!L31)","v":""},{"$f":"IF(Qualifier!M31=0,\"\",Qualifier!M31)","v":""},{"$f":"Qualifier!N31","v":0},{"$f":"Qualifier!O31","v":0},null,{"$f":"Qualifier!Q31","v":0},null,{"$f":"Qualifier!S31","v":0},{"$f":"Qualifier!T31","v":0},null,{"$f":"Qualifier!V31","v":0},{"$f":"Qualifier!W31","v":0},{"$f":"Qualifier!X31","v":0},{"$f":"Qualifier!Y31","v":0},{"$f":"Qualifier!Z31","v":0},{"$f":"Qualifier!AA31","v":0}]
[null,{"$f":"IF(Qualifier!B32=0,\"\",Qualifier!B32)","v":""},null,{"$f":"IF(Qualifier!D32=0,\"\",Qualifier!D32)","v":""},{"$f":"IF(Qualifier!E32=0,\"\",Qualifier!E32)","v":""},null,{"$f":"IF(Qualifier!G32=0,\"\",Qualifier!G32)","v":""},{"$f":"IF(Qualifier!H32=0,\"\",Qualifier!H32)","v":""},{"$f":"IF(Qualifier!I32=0,\"\",Qualifier!I32)","v":""},{"$f":"IF(Qualifier!J32=0,\"\",Qualifier!J32)","v":""},null,{"$f":"IF(Qualifier!L32=0,\"\",Qualifier!L32)","v":""},{"$f":"IF(Qualifier!M32=0,\"\",Qualifier!M32)","v":""},{"$f":"Qualifier!N32","v":0},{"$f":"Qualifier!O32","v":0},null,{"$f":"Qualifier!Q32","v":0},null,{"$f":"Qualifier!S32","v":0},{"$f":"Qualifier!T32","v":0},null,{"$f":"Qualifier!V32","v":0},{"$f":"Qualifier!W32","v":0},{"$f":"Qualifier!X32","v":0},{"$f":"Qualifier!Y32","v":0},{"$f":"Qualifier!Z32","v":0},{"$f":"Qualifier!AA32","v":0}]
[null,{"$f":"IF(Qualifier!B33=0,\"\",Qualifier!B33)","v":""},null,{"$f":"IF(Qualifier!D33=0,\"\",Qualifier!D33)","v":""},{"$f":"IF(Qualifier!E33=0,\"\",Qualifier!E33)","v":""},null,{"$f":"IF(Qualifier!G33=0,\"\",Qualifier!G33)","v":""},{"$f":"IF(Qualifier!H33=0,\"\",Qualifier!H33)","v":""},{"$f":"IF(Qualifier!I33=0,\"\",Qualifier!I33)","v":""},{"$f":"IF(Qualifier!J33=0,\"\",Qualifier!J33)","v":""},null,{"$f":"IF(Qualifier!L33=0,\"\",Qualifier!L33)","v":""},{"$f":"IF(Qualifier!M33=0,\"\",Qualifier!M33)","v":""},{"$f":"Qualifier!N33","v":0},{"$f":"Qualifier!O33","v":0},null,{"$f":"Qualifier!Q33","v":0},null,{"$f":"Qualifier!S33","v":0},{"$f":"Qualifier!T33","v":0},null,{"$f":"Qualifier!V33","v":0},{"$f":"Qualifier!W33","v":0},{"$f":"Qualifier!X33","v":0},{"$f":"Qualifier!Y33","v":0},{"$f":"Qualifier!Z33","v":0},{"$f":"Qualifier!AA33","v":0}]
[null,null,null,{"$f":"Qualifier!D34","v":0},{"$f":"Qualifier!E34","v":0},null,{"$f":"Qualifier!G34","v":0},{"$f":"Qualifier!H34","v":0},{"$f":"Qualifier!I34","v":0},{"$f":"Qualifier!J34","v":0},null,{"$f":"Qualifier!L34","v":0},{"$f":"Qualifier!M34","v":0},null,{"$f":"Qualifier!O34","v":0},null,{"$f":"Qualifier!Q34","v":0},null,{"$f":"Qualifier!S34","v":0},{"$f":"Qualifier!T34","v":0},null,{"$f":"Qualifier!V34","v":0},{"$f":"Qualifier!W34","v":0},{"$f":"Qualifier!X34","v":0},{"$f":"Qualifier!Y34","v":0},{"$f":"Qualifier!Z34","v":0},{"$f":"Qualifier!AA34","v":0}]
[null,"© Copyright May. 1, 2012",null,"MMI Mortgage Mentor Inc."]
[]
[null,"Disclaimer"]
[null,"Information provided on this page is that as known to and entered by the mortgage broker or agent completing the table above.  Lender guidelines and policies used for qualification purposes may change without prior written notice.  Lender offerings available at the time of submission of an application for approval should be confirmed by referring to the latest lender literature or contacting the lender directly prior to submitting an application to the lender. The above information is provided for the purpose of assessing various financing possibilities.  It is no indication that such financing will actually be available on any given date. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not software product ownership."]
[null,{"$f":"Comparison!B132","v":"Author:- R. A. (Rick) Robertson  MBI"}]
[null,{"$f":"Comparison!B133","v":"Proprietary Property of R. A. Robertson"}]
[null,{"$f":"Comparison!B136","v":"Use without prior written permission of the Author is prohibited."}]

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["This sheet is the source sheet name where the column headings are for the field search"]
[]
["Column A contains column Heading to display"]
[null,"Column B contains the heading sheet&cell address "]
[]
["Title to Display","Reference Cell"]
["Column Finder - click here",{"$f":"Comparison!D8","v":0}]
["Amortization",{"$f":"Comparison!U$4","v":"Amortization"}]
["Application Fee",{"$f":"Comparison!BA$4","v":"Application Fee"}]
["Appraisal",{"$f":"Comparison!BB$4","v":"Appraisal"}]
["Assumable",{"$f":"Comparison!BG$4","v":"Assumable"}]
["Beacon Minimum",{"$f":"Comparison!J$4","v":"Beacon Minimum"}]
["Company Owned ?",{"$f":"Comparison!AQ$4","v":"Company Owned"}]
["Credit",{"$f":"Comparison!K$4","v":"Credit"}]
["DCR or DSC req'd",{"$f":"Comparison!AK$4","v":"DCR or DSC"}]
["Deal Rate",{"$f":"Comparison!AT$4","v":"Deal Rate"}]
["Equity Min & Type",{"$f":"Comparison!H$4","v":"Equity\nMinimum"}]
["G.D.S.",{"$f":"Comparison!Q$4","v":"Insurable"}]
["Ins. Prem added to Mortgage",{"$f":"Comparison!BD$4","v":"Ins. Prem added to Mortgage"}]
["Lending Area",{"$f":"Comparison!F$4","v":"Lending Area"}]
["Max # of Non O/O Rental Props.",{"$f":"Comparison!AR$4","v":"Max # of \n Non O/O Rental Props."}]
["Maximum Loan",{"$f":"Comparison!L$4","v":"Loan Amount"}]
["Maximum LTV's (%)",{"$f":"Comparison!G$4","v":"Maximum LTV's (%)"}]
["Minimum Loan",{"$f":"Comparison!L$4","v":"Loan Amount"}]
["Mortgage Risk Insurance",{"$f":"Comparison!BC$4","v":"Mortgage Risk Insurance"}]
["Payment Increase",{"$f":"Comparison!AX$4","v":"Payment Increase"}]
["Payment Options",{"$f":"Comparison!AW$4","v":"Payment Options"}]
["Payout Penalty",{"$f":"Comparison!AZ$4","v":"Payout Interest penalty"}]
["Personal Net Worth Minimum",{"$f":"Comparison!I$4","v":"Personal Net Worth Minimum"}]
["Portability",{"$f":"Comparison!BF$4","v":"Portable"}]
["Prepayment Annual (%)",{"$f":"Comparison!AY$4","v":"Annual Prepayment (%)"}]
["Prepayment Penalty",{"$f":"Comparison!AZ$4","v":"Payout Interest penalty"}]
["Product Advantage",{"$f":"Comparison!BJ$4","v":"Product Advantage"}]
["Proof of Rent Docs",{"$f":"Comparison!Z$4","v":"Acceptable"}]
["Property Type",{"$f":"Comparison!O$4","v":"Property Type"}]
["Number of Units",{"$f":"Comparison!AM$4","v":"Property Type"}]
["Purpose",{"$f":"Comparison!N$4","v":"Purpose"}]
["Qualifying Rate",{"$f":"Comparison!X$4","v":"Qualifying Rate"}]
["Rate Buy Down",{"$f":"Comparison!AU$4","v":"Rate"}]
["Rate Hold Period",{"$f":"Comparison!AV$4","v":"Rate Hold Period"}]
["Refinance",{"$f":"Comparison!BI$4","v":"Refinance"}]
["Rent formula O/O",{"$f":"Comparison!AC$4","v":"Purchase Owner Occupied\n with Suite"}]
["Rent formula Rental",{"$f":"Comparison!AE$4","v":"Refinance Owner Occupied\n with Suite"}]
["Rental Worksheet",{"$f":"Comparison!AL$4","v":"Rental Worksheet"}]
["Rooming Houses",{"$f":"Comparison!AS$4","v":"Rooming Houses"}]
["Suite Status",{"$f":"Comparison!AP$4","v":"Suite\nStatus"}]
["Switch  \"in\"",{"$f":"Comparison!BH$4","v":" Switch  \"in\""}]
["T.D.S.",{"$f":"Comparison!S$4","v":"Un-Insurable"}]
["Terms Available",{"$f":"Comparison!P$4","v":"Terms Available"}]
["Title Insurance",{"$f":"Comparison!BE$4","v":"Title Insurance"}]

{"sheet":"Parameters","index":6,"n_rows":14,"n_cols":3,"rows_kept":14,"cut":false,"hidden":true,"merged":[]}
["Prompts","Values","Description"]
[]
["Datastore Workbook","MMDataStore15.xlsm","Current version of workbook"]
["Datastore Worksheet","RentalsmanDATA","Name of data worksheet in \"MMDATAStore\" workbook"]
["FileNumber Worksheet","Qualifier","Worksheet with File reference number cell "]
["Filenumber Cell","FileNumber","Cell on the source worksheet where the DataStore File reference number is entered/replaced to"]
["SaveUntilDateCell","SaveUntil","Name of the cell which is checked for the SaveUntil date"]
["Old Datastore Workbook","MMDataStore13.xlsm,MMDataStore14.xlsm","Name of the previous DataStore workbook 7,8,9 deleted 03/28/20\nthese MUST be sequential: 1, 2, 3, ..."]
["Old Datastore Worksheet","RentalsmanDATA","Name of the sheet within the previous DataStore workbook"]
[]
["New Datastore changed","from 14 to 15 06/15/23"]
["New Datastore changed","from 13 to 14 02/15/22"]
["Old Datastore changed","from 12 to 13 01/17/22"]
[null,"from 11 to 12 01/17/22"]

{"sheet":"Agreement","index":7,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Mortgage Mentor: Disclaimer, Privacy Policy, and License Agreement"]
[]
[null,"Read the terms and conditions of this license agreement carefully.  "]
[null,"By: downloading, otherwise receiving, or using a copy of the program, you are accepting and agreeing to the terms of this license agreement."]
[null,"continued…"]
[null,"1.     The program is copyrighted and licensed (not sold). This is a legal agreement between you (either an individual end-user or an entity) and MMI Mortgage Mentor Inc. (“MMI”) . If you do not agree to the terms and conditions of this agreement, you must promptly stop using the Software, remove it from any computer on which you have installed it, and destroy all aspects of the Software in your possession or control."]
[null,"continued…"]
[null,"2.      At MMI, we are committed to respecting and protecting your privacy and security.  We have taken measures to protect the security of your personal information and protect your data from misuse and unauthorized access or disclosure. While any data transmissions over the internet cannot be guaranteed 100%, MMI would like to reassure our subscribers that our site www.mortgagementor.com is protected by CopyMinder (www.copyminder.com). To further protect your security, we are providing each subscriber with a unique Product Key for their personal use only.  By using this software you agree that your Product Key shall not be shared, distributed or broadcast to any other parties."]
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[null,"3.    Each Product Key and Mortgage Mentor Tool (from herein referred to as “Software”) are protected by CopyMinder.  Periodically throughout the duration of your subscription, your Product Key and computer ID will need to be re-validated by COPY minder's protection system. To facilitate this, your computer will need to be connected to the internet.  No data is copied, installed, or accessed from your computer during this process. You agree to allow CopyMinder access to the Software installed on your computer solely for such re-validation purposes."]
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[null,"4.     The Software that is made available for downloading from our online server is owned by MMI.  This Software is protected by copyright laws, and is  licensed to you on a non-exclusive limited basis to be used by you in accordance with the terms and conditions described herein.  Any use, reproduction or redistribution of the Software that is not in accordance with the terms and conditions in this agreement is expressly prohibited by law, and may result in civil and criminal penalties."]
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[null,"5.     This Software is licensed, not sold, for use under the terms and conditions of this agreement, and MMI reserves all rights not expressly granted in this agreement. Without limiting the generality of the forgoing MMI retains ownership of  the Software, and all intellectual property rights therein.  As such, you acknowledge and agree that MMI holds all rights to title and interest in all tangible and intangible incidents of the product and/or service, including copyrights and trade secrets pertaining thereto, and that this agreement conveys to you only a limited right to access and use of the product and/or service.  Subject to the terms and conditions of this agreement, MMI grants to you a non-exclusive limited license to use one copy of the Software and any documentation accompanying this agreement on one computer only.  No other rights are granted.  You may not use the Software on different computers concurrently using the same Product Key.  Attempts to install this Software on a second computer will cause the original, authorized installation to malfunction."]
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[null,"6.      The Software contains copyrighted concepts, ideas, and other proprietary materials of MMI. You agree not to analyze, reverse engineer, decompile or disassemble the Software, or any part of the Software.  You also agree to not modify or create derivative works of the Software, combine with or incorporate the Software into any other application Software, print a copy of the Software, reproduce, distribute, publish, resell for profit, broadcast, transmit or provide its functionality, or commercially exploit the Software and any information available on this site in any matter without the express consent of MMI. AND IS PROHIBITED WITHOUT THE EXPRESS WRITTEN PERMISSION OF MMI."]
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[null,"7.      The Software is considered in use if it is loaded on the computer’s permanent or temporary memory.  If you are acquiring the Software on behalf of another person or entity, you represent and warrant that you have the authority to bind the party or entity for which you are acquiring the Software to the terms and conditions of this agreement."]
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[null,"8.    IN NO EVENT SHALL MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DAMAGES OF ANY KIND INCLUDING BUT NOT LIMITED TO: GENERAL, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA, BUSINESS INTERRUPTION  OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER, PERFORM, OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION "]
[null,"CONTAINED IN THE SOFTWARE AND REGARDLESS OF THE CAUSE WHETHER ARISING IN CONTRACT (INCLUDING FUNDAMENTAL BREACH), TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF CAUSED BY THE NEGLIGENCE OF MMI ITS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS OR IF MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS KNEW OR OUGHT TO HAVE KNOWN  OF THE POSSIBILITY OF SUCH DAMAGES."]
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[null,"9. YOU HEREBY RELEASE MMI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY CLAIMS INCLUDING, BUT NOT LIMITED TO, ANY CLAIMS RELATED TO DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA,  BUSINESS INTERRUPTION OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER,  PERFORM OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION CONTAINED IN THE SOFTWARE, AND YOU AGREE NOT TO ASSERT ANY CLAIMS AGAINST THEM, ARISING FROM YOUR USE OF THE SOFTWARE."]
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[null,"10.      In the event of errors or omissions in any information, the sole responsibility of MMI is to use its best efforts to correct, by the issue of a corrected release, any errors which it or any of its employees or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. "]
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[null,"11. THE SOFTWARE IS PROVIDED ON AN \"AS IS, WHERE IS\" BASIS AND MMI DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, ENDORSEMENTS OR CONDITIONS WITH RESPECT TO THE SOFTWARE, INCLUDING WITHOUT LIMITATION, WARRANTIES AS TO MERCHANTABILITY, OPERATION, NON-INFRINGEMENT, USEFULNESS, COMPLETENESS, ACCURACY, RELIABILITY AND FITNESS FOR A PARTICULAR PURPOSE."]
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[null,"12.     This agreement is effective for the duration of the license term and any renewals thereto.  Upon violation of any of the terms and conditions of this agreement, rights to the use of the Software shall automatically terminate and the Software must be destroyed.  If MMI makes a request via public announcement or press release to stop using the Software, you will comply immediately with this request.  Removal of the Software or discontinuance of its use prior to the end of the subscription does not entitle you to a refund or absolve you from continuing to make the regular subscription payments."]
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[null,"13.     Links to other web sites from the Software or from the MMI web site allow you to leave the Software and/or the MMI web site.  The linked sites are not under the control of MMI and MMI is not responsible for the contents of any linked site or links within a linked site.  These links are provided as a convenience only and do not imply any endorsement or recommendation by MMI."]
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[null,"14.      A service charge will be applied for any support in re-installation, troubleshooting, or diagnostic assistance resulting from non-compliance with this agreement."]
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[null,"15.     CAUTION, some freeware, shareware, or you-don’t-have-to-pay-for-it-ware may cause a conflict with this Software.  It is recommended by MMI that this Software only be run on a computer system containing industry accepted business software and trustworthy programs. MMI is not responsible for any problems resulting from you downloading or installing recreational or non-business software that interferes with the Software.  You are solely responsible for the safety and maintenance of your computer.  Loss of use of your computer does not justify non-payment of any subscriptions fees due."]
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[null,"16.     By using the Software or by submitting personal information to us, you signify your agreement to MMI’s Disclaimer and Privacy Policy.  [NOTE: Canadian privacy laws do not allow you to force someone to consent to be given information. If you do something like this, you are required to allow a person to opt out at an early opportunity.  We recommend you address this issue in your privacy policy].  MMI reserves the right to change our Disclaimer and Privacy Policy at any time by posting the revised policy on our website.  MMI may notify you of any such changes by posting notice of such modifications on the web site, or via e-mail, postal mail or other means. Notwithstanding the foregoing, it is your responsibility to periodically check our Disclaimer and Privacy Policy to inform yourself of such changes. "]
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[null,"17.     It is the intent of MMI to assist in the advancement of the profession of Mortgage Brokering in Canada through making our calculators, and resource based, product sorting ideas available to professional independent Mortgage Brokers through our specialized software.  It is the desire of MMI that this Software not be made available for use by: Banks, Credit Unions, Trust Companies, lenders in general, Insurance Agents or Brokers, Financial Planners, Mutual Fund sales representatives, Realtors and Real Estate Agents, or anyone whose principal business is not mortgage origination."]
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[null,"18.   MMI may, in its sole discretion, modify portions or all of this agreement at any time. The onus is on you to periodically check for any revision or modifications to this agreement by checking the MMI web site www.mortgagementor.com.  Your continued use of the Software following notice of such modifications shall be deemed to be your acceptance of any such modifications to this agreement.  If you do not agree to such modifications you must immediately stop using the Software, destroy the Software in your possession or control and notify MMI immediately.  "]
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[null,"19.    This agreement may not be assigned by you. MMI may assign this agreement at any time without notice to you. "]
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[null,"20.    Microsoft Office, Windows and/or other Microsoft products referenced or used are either trademarks or registered trademarks of Microsoft.  All other trademarks are property of their respective owners."]
[null,"END"]