Practical notes on Ontario real estate — development finance, realtor tools, and commercial leasing. Development charges, CMHC programs, GTA cost benchmarks, comparable analysis, lease terms: the stuff nobody else writes about, from someone who does this work every day.
Coming soon
Development charges in Ontario, 2026 — how they hit your pro forma
Development finance
A walk through where DCs land in a residential pro forma, and why the wrong number breaks your returns.
CMHC MLI Select: what it is and how to model it
Development finance
The financing program every Ontario developer should understand — eligibility, scoring, and the math.
How to do a Comparable Market Analysis properly
For realtors
Adjustments, comp selection, and the mistakes that produce a wrong number — for agents pricing a listing.
Retail lease glossary: TMI, CAM, NER, breakpoint
Commercial & retail
The terms that actually move a retail deal, defined plainly with worked examples.
The real cost to build in the GTA: 2025–2026 benchmarks
Development finance
Hard-cost ranges by product type, straight from recent tender experience.
SB
Sahil Bharmal
Real estate finance professional in the GTA — a decade modelling Ontario residential development. Now building templates and analysis for developers, realtors, and commercial owners.
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