Portfolio Financing Roadmap
Map how many doors you can add with current usable equity — and the cash gap to your target portfolio. Upload a spreadsheet or equity schedule and we will extract what we can.
Roadmap summary
- Total capital needed
- $297,000
- 3
- $99,000
- 1
- $117,000
Estimate capital required to reach your target door count
Planning estimate only. Refinance timelines, JV equity, and DSCR programs can change required capital.
Plan your next acquisition wave with a portfolio specialist.
Book a call — 3 doors, $297,000 neededSave your numbers — we'll email your results and a specialist can review your deal.
| Input | What It Means | Example |
|---|---|---|
| Usable equity | Cash + refinance you will pull | $400,000 |
| Avg purchase | Target property price | $500,000 |
| Down + reserve | Equity per deal incl. buffer | $125,000 |
| Fundable deals | Equity ÷ per-deal equity | 3 deals |
How this roadmap works
This is a capital plan, not a DSCR or CMHC sizer. It answers: with the equity I can actually use, how many more purchases can I close?
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Count today and the target
Properties owned now versus the count you want. The gap is the number of acquisitions to fund.
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Set a typical deal
Average purchase price, down payment percent, and a closing reserve (legal, tax holdback, first-month vacancy).
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Enter usable equity
Only cash and refinance proceeds you can actually pull. Home equity you will not tap does not count.
Not all equity is dry powder
A $400,000 gain on a primary residence is not $400,000 you can wire tomorrow. Lenders cap cash-out, DSCR, and remaining amortization. Count only what a refinance or sale can actually deliver.
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What counts as usable
Cash, HELOC room you will draw, and refinance proceeds after the lender’s LTV, DSCR, and closing costs. · Investment-property refinance: conventional cash-out is often capped well below 80% LTV once DSCR is tested. · CMHC MLI refinance (5+ units) can reach higher LTV than conventional — run the MLI calculator before you treat that equity as available. · Keep a reserve. Buying the next door with zero cash left is how portfolios stall on the first vacancy.
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What this tool does not do
It does not qualify a specific building, size a CMHC loan, or sequence lender A versus lender B. · Per-property DSCR — use the Canada DSCR calculator or the multifamily analyzer. · MLI Select points and max loan — use the CMHC MLI tools. · Two listings head-to-head — use the deal comparison calculator.
Capital per deal, fundable count, and the gap
Capital per deal is down payment plus your reserve percent. Fundable deals are a floor-division of usable equity. The gap is capital needed minus equity — never a negative number here.
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Down payment per deal
Average purchase price times your down payment percent. 20% is a common conventional rental start; 5–15% appears on some CMHC MLI Select files. · Avg price × down payment %
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Capital per deal
Down payment plus a reserve (default 10%) for closing costs and lease-up. Raise the reserve if you buy vacant or need work. · Down payment × (1 + reserve %)
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Deals fundable now
How many average purchases your usable equity covers today. Remaining equity that cannot buy a full deal is leftover, not a partial closing. · floor(usable equity / capital per deal)
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Equity gap
What you still need after using current equity. Close it with savings, a partner, a sale, or a refinance — not by assuming a lender will stretch LTV. · max(0, capital needed − usable equity)
Worked example (illustrative)
An investor with two rentals wants five. Average next purchase $450,000 at 20% down with a 10% closing reserve. $180,000 of usable equity. Teaching case only.
| To acquire | 3 properties |
|---|---|
| Down payment each | $90,000 |
| Capital each (with 10% reserve) | $99,000 |
| Total capital needed | $297,000 |
| Fundable now / gap | 1 deal · $117,000 gap |
The leftover equity after one purchase is not enough for a second close. That is the point of the floor-division — do not plan on a partial down payment.
Related tools & guides
next steps
- Deal comparison calculator
Pick the next property
- Canada DSCR calculator
Will the next building carry its debt?
- CMHC MLI max loan
Size 5+ unit refinance proceeds
- Investment property renewal
When a maturing loan can free equity
- Investor journey
How LendCity sequences 1–10+ doors
- Book a strategy call
Build the live capital plan
Portfolio financing FAQ
How investors turn existing equity into the next acquisition without treating paper gains as cash.
Portfolio roadmap
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Have capital to put to work?
LendCity connects capital providers with secured private mortgages and development partnerships — separate from borrowing for your next purchase.