Investment Calculator - Helio Urban Development

Investment Returns Calculator

See your exact returns with fixed prices and 6-month delivery

Units to Build 6
2 24
Monthly Rent per Unit $2,000
$1,500 $3,000
Land Cost (pre-HST) $400,000
$100k $2M

Premium Build

Complete turnkey delivery

$160k
i

Site Development

Infrastructure ready

$15k
i

Rental Ready

Move-in package

+$15k
i
Cost per unit $175,000

Your Investment Journey

1. Your Starting Investment

Your 6-unit building needs $335,776 to get started. This is your 20% down payment. The bank provides the other 80% ($1,343,106) as a construction loan. Total project cost: $1,678,882, which includes your $400,000 land and $1,050,000 for the complete design-build package.

2. The 6-Month Build

While others take 18 months (losing $216,000 in rent), we deliver in 6. Your finished building generates $102,600 per year after all expenses - that's real profit before mortgage payments.

3. The Bank's Valuation

Banks value buildings based on income. Your $102,600 annual profit means the building is worth $2,052,000 (using a 5% cap rate). You just created $373,118 in instant equity!

4. Getting Cash Back

The bank gives you a new mortgage of $1,381,627 (5% interest, 30-year term). After paying off the construction loan, you get $38,521 back. Plus, the government refunds your $218,882 HST payment. Total cash in your pocket: $257,403.

5. Your Final Position

Here's the simple math: You put in $335,776. You got back $257,403. So you have just $78,373 of your money left in the deal.

But you own $670,373 worth of the building (your equity). If you sell tomorrow, that equity turns into cash. Plus, you're making $2,477 profit every month after all expenses.

Total wealth created in year one: $957,049. That's a 285% return on your initial investment.

Financial Breakdown

Development Costs

$1,678,882 +
Land Cost (pre-HST) $400,000
Construction (6 × $175k) $1,050,000
Soft Costs (3%) $43,500
Subtotal $1,493,500
HST (14%) $218,882
Total Project Cost $1,678,882

Construction Financing

$335,776 down +
Total Project Cost $1,678,882
Your Down Payment (20%) $335,776
Bank Construction Loan (80%) $1,343,106

Property Income & Value

$2,052,000 +
Annual Rent $144,000
Less: Vacancy (5%) -$7,200
Less: Operating Expenses (25%) -$34,200
Net Operating Income $102,600
Cap Rate 5%
Property Value $2,052,000

Permanent Mortgage

$1,381,627
Mortgage Terms: 5% interest, 30-year amortization
Property Value $2,052,000
Max by Income (1.25x coverage) $1,381,627
Max by Value (70% LTV) $1,436,400
Your Mortgage (lower amount) $1,381,627
Monthly Payment $6,042

Your Cash Returns

$257,403 +
New Mortgage $1,381,627
Pay Off Construction Loan -$1,343,106
Cash from Refinancing $38,521
HST Rebate +$218,882
Total Cash Returned $257,403

Your Total Wealth Created

Building Equity $670,373 Your ownership stake
Cash Returned $257,403 Back in your pocket
Annual Cash Flow $29,724 Yearly profit
Initial Investment $335,776
Return on Investment 285%

Ready to start building wealth?

Your project could begin in 30 days.

• 58 units under construction • Fixed prices guaranteed • 6-month delivery or we pay