10/30/2026
An apartment building's cap rate is above the quoted interest rate. That starts a conversation—but there is more to review.
Look at actual loan payments, including principal where applicable, plus repairs, fees and reserves. Then test lower income, higher costs or a delayed refinance.
Bring the property's operating picture and proposed loan terms together before drawing a conclusion.
Read the related Monty Capital guide and prepare your financing conversation:
https://montycapital.ca/before-you-buy-gta-apartment-building/?utm_source=facebook&utm_medium=organic_social&utm_campaign=soc-06
Monty Sands
Mortgage Agent, Level 2 & Team Leader
RMA/MCC/DLCG (Mortgages & Private Lending)
Real Mortgage Associates Inc.
Chief Financing Officer
Monty Capital Inc. (Business Financing)
416-551-2335 ext. 101 | 416-551-2334
[email protected] | www.mtgm.ca | www.montycapital.ca
Agent License # M08002722 | Brokerage License # 10464
Independently owned and operated.
Planning a GTA rental-property purchase? Organize the building, business plan and questions before discussing commercial or CMHC-insured financing.