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[null,null,{"$f":"REPT(\"  MM PRO by Mortgage Mentor     : : :  \",10)","v":"  MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :  "}]
[null,null,null," Monthly Payments on Residence",null," Total Monthly Payments",null,"   Monthly Payment Factors"]
[null,null,null,"G.D.S.  =     ","divided by             ","T.D.S. =         "]
[null,"Mortgage Mentor Shared Information\nUpdating suspended May 2018",null,"Monthly Income",null,"Monthly Income"]
[null,null,"O/O or Rental","Include in Monthly Payments",null,"Include in Monthly Payments\nin addition to:","Include in INCOME\nIn addition to:","\"City\" Taxes","Min Heat \nAmount","Bank Card Payments","Department Store Cards","SECURED\nCredit Lines","UN-Secured\nCredit Lines","Instalment\nLoans","Student\nLoans","Bridge Loan Payment","Alimony & \nChild Support"]
[null,null,null,null,null,"Credit Card, Auto, Lease, LOC., etc.","Employment, Other acceptable income"]
["B2B Bank","B2B Bank  (No Rental income)","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata"," -","1.25% less HOG or Actual",101,"3% of Balance","3% of Balance","Interest Only \nor 25yr Amort","3% of Balance or Interest Only","Bureau payment\n 3% of Bal, or $0","1.5% of Balance\n or Actual","Exclude","Add to Payments"]
["B2B Bank","B2B Bank  (have Rental income)","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"several formulas depending on B2B product\nsee Rentalsman for details","several formulas depending on B2B product\nsee Rentalsman for details","1.25% less HOG or Actual","n/a","3% of Balance","3% of Balance","Interest Only \nor 25yr Amort","3% of Balance or Interest Only","Bureau payment\n 3% of Bal, or $0","1.5% of Balance\n or Actual","Exclude","Add to Payments"]
["B2B Bank","B2B Bank ","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"several formulas depending on B2B product\nsee Rentalsman for details","several formulas depending on B2B product\nsee Rentalsman for details","1.25% less HOG or Actual","n/a","3% of Balance","3% of Balance","Interest Only \nor 25yr Amort","3% of Balance or Interest Only","Bureau payment\n 3% of Bal, or $0","1.5% of Balance\n or Actual","Exclude","Add to Payments"]
["Bridgewater Bank","Bridgewater  ( Gateway )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. 1/2 Condo/Strata from Subject\nT1 or Net Rent Shortfall from Others","50% of Rent from Subject\nT1 or Net Rent Surplus from Others","Actual \nprovable","<1500sq ft $100\n1500+sq ft $150","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment (vehicle exception)","3% of Balance",null,"Deduct from income"]
["Bridgewater Bank","Bridgewater  ( Gateway Rental )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. 1/2 Condo/Strata from Subject\nT1 or Net Rent Shortfall from Others","50% of Rent from Subject\nT1 or Net Rent Surplus from Others","Actual \nprovable","<1500sq ft $100\n1500+sq ft $150","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment (vehicle exception)","3% of Balance",null,"Deduct from income"]
[null,"Canada Guaranty  ( No Rental Income )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"n/a","n/a","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per lender","Deduct or Add"]
[null,"Canada Guaranty \n                 ( if lender allows 80% Offset )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"any Shortfall derived from\nP.I.T. + Other Debt Payments - 80% of Rent","any Surplus derived from\n P.I.T. + Other Debt Payments - 80% of Rent","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per lender","Deduct or Add"]
[null,"Canada Guaranty \n                 ( if lender uses Rent-to-Income )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"T1 Rental Shortfall  or  Lender's Rental Shortfall\nor  Subject P.I.T. + Other P.& I. only","T1 Rental Surplus  or  Lenders Rental Surplus\nor  50% of Rent from all properties","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per lender","Deduct or Add"]
[null,"Canada Guaranty \n                 ( if lender allows 80% Offset )","Rental","P.I.T. + 1/2 Condo/Strata",null,"any Shortfall derived from\nP.I.T. + Other Debt Payments - 80% of Rent","any Surplus derived from\n P.I.T. + Other Debt Payments - 80% of Rent","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per lender","Deduct or Add"]
[null,"Canada Guaranty \n                 ( if lender uses Rent-to-Income )","Rental","P.I.T. + 1/2 Condo/Strata",null,"T1 Rental Shortfall  or  Lender's Rental Shortfall\nor  Subject P.I.T. + Other P.& I. only","T1 Rental Surplus  or  Lenders Rental Surplus\nor  50% of Rent from all properties","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per Lender","per lender","Deduct or Add"]
["Canadiana","Canadiana  ( O/O No Rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I.T.H.\nOther rentals - Rental Shortfall or P.I.T.H.","Other rentals - T1 or calculated surplus","Actual \nprovable","Higher of $900\nor $1 sq.ft.","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment","1% of Balance or Actual","Exclude","Add to Payments"]
["Canadiana","Canadiana  ( O/O Rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I.T.H.\nOther rentals - Rental Shortfall or P.I.T.H.","subject - 50% of Rent\n Other rentals - T1 or calculated surplus","Actual \nprovable","Higher of $900\nor $1 sq.ft.","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment","1% of Balance or Actual","Exclude","Add to Payments"]
["Canadiana","Canadiana","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I.T.H. only\nOther rentals - T1 or Rental Shortfall","subject - 50% of Rent\n Other rentals - T1 or calculated surplus","Actual \nprovable","Higher of $900\nor $1 sq.ft.","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment","1% of Balance","Exclude","Add to Payments"]
["CMHC","CMHC  ( O/O No Rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.+ 1/2 Condo/Strata","Net Rent Other non-O/O properties if Positive","per Lender","per Lender","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Contract Payment","Contract Payment","per lender","Deduct or Add"]
["CMHC","CMHC  ( O/O Rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.+ 1/2 Condo/Strata","50% of Rent from O/O\n Net Rent Other non-O/O properties if Positive","per Lender","per Lender","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Contract Payment","Contract Payment","per lender","Deduct or Add"]
["CMHC","CMHC","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Net Rental income if Negative","50% of Rent (Subject and O/O)\n Net Rent Other non-O/O properties if Positive","per Lender","per Lender","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Contract Payment","Contract Payment","per lender","Deduct or Add"]
["Genworth","CMLS - ( O/O Rental  Conventional Insurable )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I.T.H.Condo/Strata\nOther Rentals - any combined Shortfall","Subject 50% Rent to Income \nOther rentals - Net Rent if Positive","Provable or \nCMLS table","$0.75 per sq ft\n min $100",".65% Secured\n 3% Unsecured","3% of Balance",".65% of Balance","3% of Balance","Actual Provable","1.5% or Actual","CMLS - Exclude Other - Add","Add to Payments"]
["Genworth","CMLS - ( O/O Rental  High Ratio Insurable )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I.T.H.Condo/Strata\nOther Rentals - any combined Shortfall ","Subject - 100% of suite rent\nOther rentals - Net Rent if Positive","Provable or \nCMLS table","$0.75 per sq ft\n min $100",".65% Secured\n 3% Unsecured","3% of Balance",".65% of Balance","3% of Balance","Actual Provable","1.5% or Actual","CMLS - Exclude Other - Add","Add to Payments"]
["Genworth","CMLS - ( Investment Property Insurable )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I.T.H.Condo/Strata less 80% of Rent\nOther Rentals - any combined Shortfall"," Other rentals - Net Rent if Positive","Provable or \nCMLS table","$0.75 per sq ft\n min $100 or $0.00",".65% Secured\n 3% Unsecured","3% of Balance",".65% of Balance","3% of Balance","Actual Provable","1.5% or Actual","CMLS - Exclude Other - Add","Add to Payments"]
["Genworth","CMLS - ( AVEO  O/O Rental  )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"DSCR - see comment","DSCR - see comment","Provable or \nCMLS table","$0.75 per sq ft\n min $100",".65% Secured\n 3% Unsecured","3% of Balance",".65% of Balance","3% of Balance","Actual Provable","1.5% or Actual","CMLS - Exclude Other - Add","Add to Payments"]
["Genworth","CMLS - ( AVEO Investment Property )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"DSCR - see comment","DSCR - see comment","Provable or \nCMLS table","$0.75 per sq ft\n min $100 or $0.00",".65% Secured\n 3% Unsecured","3% of Balance",".65% of Balance","3% of Balance","Actual Provable","1.5% or Actual","CMLS - Exclude Other - Add","Add to Payments"]
["Equitable Trust","Equitable Bank - ( 'A' products O/O No Rent )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.+ 1/2 Condo/Strata","Net Rent Other non-O/O properties if Positive","Actual Full Amount\n1% of Value","$100 - $250","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","1% of Balance",null,"Add to Payments"]
["Equitable Trust","Equitable Bank - ( 'A' products O/O has Rent )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.+ 1/2 Condo/Strata","50% of Rent from O/O\n Net Rent Other non-O/O properties if Positive","Actual Full Amount\n1% of Value","$100 - $250","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","1% of Balance",null,"Add to Payments"]
["Equitable Trust","Equitable Bank - ( 'A' products Rental )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Net Rental income if Negative","50% of Rent (Subject and O/O)\n Net Rent Other non-O/O properties if Positive","Actual Full Amount\n1% of Value","$100 - $250","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","1% of Balance",null,"Add to Payments"]
["Equitable Trust","Equitable Bank - ( 'B' products O/O )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Shortfall from Rentals 80% Rent less P.I.T.H.Condo\nfrom O/O  P.I.T.H. 1/2 Condo/Strata","from Rentals, Surplus 80% Rent less P.I.T.H.Condo\nfrom O/O, 100% of Rent","Actual Full Amount\n1% of Value","$100 - $250","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","1% of Balance",null,"Add to Payments"]
["Equitable Trust","Equitable Bank - ( 'B' products Rental )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Shortfall from Rentals 80% Rent less P.I.T.H.Condo\nfrom O/O  P.I.T.H. 1/2 Condo/Strata","from Rentals, Surplus 80% Rent less P.I.T.H.Condo\nfrom O/O, 100% of Rent","Actual Full Amount\n1% of Value","$100 - $250","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","Bureau Payment","1% of Balance",null,"Add to Payments"]
["First National Financial","First National","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"any Rental Shortfall from non-subject rentals","50% of rent from O/O\n any Net Rental Surplus from non-subject","Full, Discounted, .05% of price","Condo min $50 Other min $100","3% of Balance\n 5% if Desjardins","3% of Balance\n 5% if Desjardins","25yr Amort at BoC","3% of Balance\n 5% if Desjardins","Bureau Payment","1% or Actual","if over 90 days\n see comment","Add to Payments"]
["First National Financial","First National - \n ( CG /GE Insured: GVRD, VRD and Nanaimo )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"any Rental Shortfall from Non O/O","100% of suite rent from O/O\n any Net Rental Surplus from non-subject","Full, Discounted, .05% of price","Condo min $50 Other min $100","3% of Balance\n 5% if Desjardins","3% of Balance\n 5% if Desjardins","25yr Amort at BoC","3% of Balance\n 5% if Desjardins","Bureau Payment","1% or Actual","if over 90 days\n see comment","Add to Payments"]
["First National Financial","First National","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"any Rental Shortfall from Non Subject","50% of rent from subject\n any Net Rental Surplus from non-subject","Full, Discounted, .05% of price","Condo min $50 Other min $100","3% of Balance\n 5% if Desjardins","3% of Balance\n 5% if Desjardins","25yr Amort at BoC","3% of Balance\n 5% if Desjardins","Bureau Payment","1% or Actual","if over 90 days\n see comment","Add to Payments"]
["Genworth","Genworth - ( O/O Rental )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I. only\nOther rentals - Rental Shortfall  or  P.I.","subject - 50% of Rent\n Other rentals - T1 or calculated surplus","per Lender","per lender","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","per lender","1997 change"]
["Genworth","Genworth - ( O/O Rental )\n                Vancouver, Victoria 2 units","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I. only\nOther rentals - Rental Shortfall  or  P.I.","subject - 100% of Rent\n Other rentals - T1 or calculated surplus","per Lender","per lender","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","per lender","1997 change"]
["Genworth","Genworth - ( Investment Property )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I. + 1/2 Condo/Strata","subject - 50% of Rent\n Other rentals - T1 or calculated surplus","per Lender","per lender","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","\"O.S.F.I. - Lender is usually tighter\"","per lender","1997 change"]
["Home Trust","Home Trust - ( O/O Accelerator Conventional )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata","100% Rent or Room & Board to Income\nfrom Subject property","Actual full Amount","$75, $100, $150","3% of Balance","3% of Balance","Bureau Payment",1.4999999999999999E-2,"Bureau Payment",1.4999999999999999E-2,null,"Add to Payments"]
["Home Trust","Home Trust - ( O/O Accelerator High Ratio )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata","50% or 100% of Rent, or 80% Offset\n (depending on which insurer)","Actual full Amount","$75, $100, $150","3% of Balance","3% of Balance","Bureau Payment",1.4999999999999999E-2,"Bureau Payment",1.4999999999999999E-2,null,"Add to Payments"]
["Home Trust","Home Trust - ( Rental Accelerator-CMHC )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T. + 1/2 Condo/Strata","50% of Rent","Actual full Amount","$75, $100, $150","3% of Balance","3% of Balance","Bureau Payment",1.4999999999999999E-2,"Bureau Payment",1.4999999999999999E-2,null,"Add to Payments"]
["Home Trust","Home Trust - ( Rental Accelerator - Genworth )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"T1 Rent Shortfall  or  \nP.I.+ 1/2 Condo/Strata","T1 Rent Surplus  or   \n50% of Rent","Actual full Amount","$75, $100, $150","3% of Balance","3% of Balance","Bureau Payment",1.4999999999999999E-2,"Bureau Payment",1.4999999999999999E-2,null,"Add to Payments"]
["Home Trust","Home Trust ( Classic O/O )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata","100% Rent or Room & Board to Income\nfrom Subject property","Actual full Amount","$75, $100, $150","3% of Balance","3% of Balance","Bureau Payment",1.4999999999999999E-2,"Bureau Payment",1.4999999999999999E-2,null,"Add to Payments"]
["Home Trust","Home Trust ( Classic Rental )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"any Shortfall of\nP.I.T.H. + 1/2 Condo/Strata","100% Subject Rent plus surplus of:\n P.I.T.H. + 1/2 Condo/Strata","Actual full Amount","$75, $100, $150","3% of Balance","3% of Balance","Bureau Payment",1.4999999999999999E-2,"Bureau Payment",1.4999999999999999E-2,null,"Add to Payments"]
["ICICI Bank","ICICI ( Owner Occupied - High Ratio )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Subject - P.I.+ 1/2 Condo/Strata\nOthers - T1 Rent Shortfall  OR  Negative Net Rent ","Subject 50%/100% of Rent\nOthers - T1 Rent Surplus ","Actual","Max $110","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","<$50,000\n 3% of Balance","Bureau / Contract Payment","1% or Actual","Exclude","Add to Payments"]
["ICICI Bank","ICICI ( Owner Occupied - Conventional )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Subject - P.I.+ 1/2 Condo/Strata\nOthers - T1 Rent Shortfall  OR  Negative Net Rent ","Subject 50% of Rent\nOthers - T1 Rent Surplus ","Actual","Max $110","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","<$50,000\n 3% of Balance","Bureau / Contract Payment","1% or Actual","Exclude","Add to Payments"]
["ICICI Bank","ICICI ( Revenue - Conventional )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Subject - P.I.+ 1/2 Condo/Strata\nOthers - T1 Rent Shortfall  OR  Negative Net Rent ","Subject 50% of Rent\nOthers - T1 Rent Surplus ","Actual","Max $110","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","<$50,000\n 3% of Balance","Bureau / Contract Payment","1% or Actual","Exclude","Add to Payments"]
["Lendwise","Lendwise ( Owner Occupied - High Ratio )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata"," -","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["Lendwise","Lendwise ( Owner Occupied - Conventional )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","1997 change"]
["Lendwise","Lendwise  ( Subject Owner Occupied Rental ,\n                  borrower has no Other Rentals )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I. only","50% of Rent","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","1997 change"]
["Lendwise","Lendwise  ( Subject Owner Occupied Rental ,\n                  borrower OWNS Other Rentals ) ","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","1997 change"]
["Lendwise","Lendwise     ( CMHC Rental  AND \n                            O/O has Rental income )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["Lendwise","Lendwise     ( CMHC Rental  AND \n        borrower owns Other Rental properties )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["Lendwise","Lendwise     (Genworth Rental)","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T. all properties + 1/2 Condo/Strata"," -","Provable or\n Lender rate","n/a","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["MCAP","MCAP -  ( O/O Insurable Over 80% LTV )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Subject P.I.T.H. + 50% Condo/Strata \nother props - Net shortfall (see comment)","subject - 50%/100% of Rent\n other props - Net Rental surplus (see comment)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","see comment"]
["MCAP","MCAP -  ( O/O Insurable up to 80% LTV )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Subject P.I.T.H. + 50% Condo/Strata \nother props - Net shortfall (see comment)","subject - 80% Offset, or 50%/100% of Rent\n other props - Net Rental surplus (see comment)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","see comment"]
["MCAP","MCAP -  ( O/O Un-Insurable )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Subject P.I.T.H. + 50% Condo/Strata \nother props - Net shortfall (see comment)","subject - 50% of Rent\n other props - Net Rental surplus (see comment)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","see comment"]
["MCAP","MCAP -  ( Fusion and Home Account prods)","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Subject P.I.T.H. + 50% Condo/Strata \nother props - Net shortfall (see comment)","subject - 50% of Rent\n other props - Net Rental surplus (see comment)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","see comment"]
["MCAP","MCAP - ( Small Rental  80% LTV )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Subject P.I.T. + 100% Condo/Strata\nother props - Net shortfall (see comment)","subject - 50% of Rent\n other props - Net Rental surplus (see comment)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["MCAP","MCAP - ( Small Rental  70% LTV )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Subject P.I.T. + 100% Condo/Strata\nother props - Net shortfall (see comment)","subject - 50% of Rent\n other props - Net Rental surplus (see comment)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["MCAP","MCAP -  ( eclipse 1st )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.+ 1/2 Condo/Strata","80% offset if Down Payment (subject)\n50% Rent to Income (all Other Properties)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["MCAP","MCAP -  ( eclipse 2nd )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.+ 1/2 Condo/Strata","80% offset if Down Payment (subject)\n50% Rent to Income (all Other Properties)","Full, No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["Merix Financial","Merix ( Owner Occupied - High Ratio )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata"," -","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["Merix Financial","Merix ( Owner Occupied - Conventional )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","1997 change"]
["Merix Financial","Merix     ( Subject Owner Occupied Rental ,\n                  borrower has no Other Rentals )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I. only","50% of Rent","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","1997 change"]
["Merix Financial","Merix     ( Subject Owner Occupied Rental ,\n                  borrower OWNS Other Rentals ) ","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","1997 change"]
["Merix Financial","Merix     ( CMHC Rental  AND \n                            O/O has Rental income )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["Merix Financial","Merix     ( CMHC Rental  AND \n        borrower owns Other Rental properties )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"(a) P.I. all properties + 1/2 Condo/Strata"," IF (a) 50% of Rent all properties\n OR (b) 50% rent subject, Net Rental Surplus Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["Merix Financial","Merix     (Genworth Rental)","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T. all properties + 1/2 Condo/Strata","50% of Rent","Provable or\n Lender rate","n/a","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance","Bureau Payment or None if few to go","1% or 3%","Exclude","Alimony - deduct\nChild - Add"]
["Merix Financial","Merix     ( NPX Owner Occupied )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"O/O P.I.T.H. + 1/2 Condo/Strata \nother rentals = Net Rental if Negative","100% rent from Owner Occupied \nNet Rental Surplus from Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance or Bureau Payment ","Bureau Payment or None if <6 to go","1% or 3%","Exclude","1997 change"]
["Merix Financial","Merix     ( NPX Rental )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"O/O P.I.T.H. + 1/2 Condo/Strata \nother rentals = Net Rental if Negative","100% rent from Owner Occupied\nNet Rental Surplus from Others","Provable or\n Lender rate","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort at Actual or BoC","3% of Balance or Bureau Payment ","Bureau Payment or None if <6 to go","1% or 3%","Exclude","1997 change"]
["National Bank","National Bank  ( O/O No rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.+ 1/2 Condo/Strata","Net Rent Other non-O/O properties if Positive","1% of Value\n+.25% School PQ","$.75 - $1.00\nper sq. ft./yr","3% of Balance","3% of Balance",".65% if real estate\n 3% if Other","3% of Balance","Bureau Payment","1% or Actual",null,"Deduct from income"]
["National Bank","National Bank    (O/O Rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.+ 1/2 Condo/Strata","50% of Rent (Subject and O/O)\n Net Rent Other non-O/O properties if Positive","1% of Value\n+.25% School PQ","$.75 - $1.00\nper sq. ft./yr","3% of Balance","3% of Balance",".65% if real estate\n 3% if Other","3% of Balance","Bureau Payment","1% or Actual",null,"Deduct from income"]
["National Bank","National Bank","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Net Rental income if Negative","50% of Rent (Subject and O/O)\n Net Rent Other non-O/O properties if Positive","1% of Value\n+.25% School PQ","$.75 - $1.00\nper sq. ft./yr","3% of Balance","3% of Balance",".65% if real estate\n 3% if Other","3% of Balance","Bureau Payment","1% or Actual",null,"Deduct from income"]
["Optimum Mortgage","Optimum ( Insured )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.+ 100% Condo/Strata","50% of Rent from O/O\n DCR for Non O/O properties","Actual less HOG if Owner Occupied",80,"3% of Balance","3% of Balance","Interest Only if provable","3% of Limit","Actual Provable","Actual","Exclude","Add to Payments"]
["Optimum Mortgage","Optimum ( UnInsured )","O/O","P.I.T.H. + 100% Condo/Strata",null,"P.I.T.H. + 100% Condo/Strata","50% of Rental income from subject\n1.15 DCR for Non O/O properties","Actual less HOG if Owner Occupied",80,"5% of Limit","5% of Limit","Interest Only if provable","3% of Limit","Actual Provable","Actual","Exclude","Add to Payments"]
["Optimum Mortgage","Optimum  ( ALT-A )","O/O","P.I.T.H. + 100% Condo/Strata",null,"P.I.T.H. + 100% Condo/Strata","80% of gross Rental income from subject\n 1.15 DCR on Other properties","Actual less HOG if Owner Occupied","Reasonable for Property","Bureau Payment","Bureau Payment","Interest Only if provable","Bureau Payment","Actual Provable","Actual","Exclude","Add to Payments"]
["Optimum Mortgage","Optimum   ( Rental )","Rental","P.I.T.H. + 100% Condo/Strata",null,"P.I.T.H. + 100% Condo/Strata","80% of gross Rental income from subject\n 1.10 DCR on Other properties","Actual less HOG if Owner Occupied","Reasonable for Property","Bureau Payment","Bureau Payment","Interest Only if provable","Bureau Payment","Actual Provable","Actual","Exclude","Add to Payments"]
["Merix Financial","Paradigm Quest \n             ( Owner Occupied - High Ratio )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata"," -","Actual \nprovable","$1.00/sq.ft./yr\n or proof","3% of Balance","3% of Balance","25yr Amort of Balance Owing","3% of Balance","Bureau Payment or None if few to go","1% or Actual","Exclude","Add to Payments"]
["Radius","Radius  ( O/O No Rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Net Rental income if Negative","Net Rent Other non-O/O properties if Positive","Full No HOG\n if New 1% of Price","Condo $50 / $.40 Other $100 / $.60","Interest Only if provable - or 3%","3% of Balance","Int Only if proof - or 25yr Amort ","3% or Actual","Actual Provable","Actual","Excluded if  90 days or less","Alimony & Spousal not Child Support"]
["Radius","Radius  ( O/O Rent in residence )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.+ 1/2 Condo/Strata","50% of Rent from O/O\n Net Rent non-O/O properties if Positive","Full No HOG\n if New 1% of Price","Condo $50 / $.40 Other $100 / $.60","Interest Only if provable - or 3%","3% of Balance","Int Only if proof - or 25yr Amort ","3% or Actual","Actual Provable","Actual","Excluded if  90 days or less","Alimony & Spousal not Child Support"]
["Radius","Radius  ( Rental  CMHC Insured )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Net Rental income if Negative","50% of Rent (Subject and O/O)\n Net Rent Other non-O/O properties if Positive","Full No HOG\n if New 1% of Price","Condo $50 / $.40 Other $100 / $.60","Interest Only if provable - or 3%","3% of Balance","Int Only if proof - or 25yr Amort ","3% or Actual","Actual Provable","Actual","Excluded if  90 days or less","Alimony & Spousal not Child Support"]
["Radius","Radius  ( Rental  Genworth Insured )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"Net Rental income if Negative","50% of Rent from O/O\n Net Rent non-O/O properties if Positive","Full No HOG\n if New 1% of Price","Condo $50 / $.40 Other $100 / $.60","Interest Only if provable - or 3%","3% of Balance","Int Only if proof - or 25yr Amort ","3% or Actual","Actual Provable","Actual","Excluded if  90 days or less","Alimony & Spousal not Child Support"]
["RMG Mortgage","RMG - ( O/O Conventional )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"subject - P.I.T.H + 1/2 Condo/Strata\nnon-subject Net Rental income if Negative","50% of Rent from O/O\n Net Rent non-O/O properties if Positive","Full No HOG\n 0.75% / 1% if NEW","$85, $95, $115","3% of Balance","3% of Balance",".65% of Balance","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["RMG Mortgage","RMG - ( O/O CMHC )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"n/a","50% of Rent from Legal suites in subject\n 'Net Rent' from non-subject properties","Full No HOG\n 0.75% / 1% if NEW","$85, $95, $115","3% of Balance","3% of Balance",".65% of Balance","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["RMG Mortgage","RMG - ( O/O Genworth )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.+ Condo/Strata","50% / 100% of Rent from subject\n 50% of Rent from non-subject properties","Full No HOG\n 0.75% / 1% if NEW","$85, $95, $115","3% of Balance","3% of Balance",".65% of Balance","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["RMG Mortgage","RMG -  ( Full eclipse )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.+ 1/2 Condo/Strata","80% offset if Down Payment (subject)\n50% Rent to Income (all Other Properties)","Full No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["RMG Mortgage","RMG -  ( Solar eclipse )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.+ 1/2 Condo/Strata","80% offset if Down Payment (subject)\n50% Rent to Income (all Other Properties)","Full No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["RMG Mortgage","RMG -  ( Lunar eclipse )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.+ 1/2 Condo/Strata","80% offset if Down Payment (subject)\n50% Rent to Income (all Other Properties)","Full No HOG\n 0.75% / 1% if NEW","Condo $50 / $.40 Other $100 / $.60","3% of Balance","3% of Balance",".65% of Balance\n Home Acct 3%","3% of Balance","Bureau Payment or None if <6 pmts","2% or Actual","Exclude","Add to Payments"]
["Scotia Bank","Scotia   Insured \n                         ( NO Other properties owned )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"n/a","50% of Rent from O/O",null,"Condo - 3¢ /sq.ft Other 5¢ /sq.ft","3% of Balance\n or Interest Only","3% of Balance","25yr Amort at BoC","3% of Balance or Interest Only","Bureau Payment","3% of Balance\n or Interest Only","Check with BDM","Add to Payments"]
["Scotia Bank","Scotia   Insured ( own Other properties )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.S. for O/O\nRental Shortfall for Non-O/O properties","50% of Rent from O/O\nRental Surplus from other properties",null,"Condo - 3¢ /sq.ft Other 5¢ /sq.ft","3% of Balance\n or Interest Only","3% of Balance","25yr Amort at BoC","3% of Balance or Interest Only","Bureau Payment","3% of Balance\n or Interest Only","Check with BDM","Add to Payments"]
["Scotia Bank","Scotia   Conventional \n                         ( NO Other properties owned )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"n/a","50% of Rent from O/O",null,"Condo - 3¢ /sq.ft Other 5¢ /sq.ft","3% of Balance\n or Interest Only","3% of Balance","25yr Amort at BoC","3% of Balance or Interest Only","Bureau Payment","3% of Balance\n or Interest Only","Check with BDM","Add to Payments"]
["Scotia Bank","Scotia   Conventional\n                            ( own Other properties )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.S. for O/O\nRental Shortfall for Non-O/O properties","50% of Rent from O/O\nRental Surplus from other properties",null,"Condo - 3¢ /sq.ft Other 5¢ /sq.ft","3% of Balance\n or Interest Only","3% of Balance","25yr Amort at BoC","3% of Balance or Interest Only","Bureau Payment","3% of Balance\n or Interest Only","Check with BDM","Add to Payments"]
["Scotia Bank","Scotia - ( Small Rental )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H.S. for O/O\nRental Shortfall for Non-O/O properties","50% of Rent from O/O\nRental Surplus from other properties",null,"Condo - 3¢ /sq.ft Other 5¢ /sq.ft","3% of Balance\n or Interest Only","3% of Balance","25yr Amort at BoC","3% of Balance or Interest Only","Bureau Payment","3% of Balance\n or Interest Only","Check with BDM","Add to Payments"]
["Street Capital","Street Capital  BC-GVRD,VRD,Nanaimo Ins'd\n   ( except Burnaby, Pitt Meadows, Chilliwack)","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 O/O Condo/Strata","100% Rent to Income subject property\n Street uses DSC for Other properties","Actual \nprovable","<2,000 sq.ft. $100 Other 5¢ /sq.ft","3% of Balance","Bureau Payment or 3% of balance","25yr Amort of Balance at BoC","3% of Balance","Bureau Payment or None if 3 mo. or less","1.5% of Balance","Exclude","Add to Payments"]
["Street Capital","Street Capital  BC-GVRD,VRD,Nanaimo Conv\n   ( except Burnaby, Pitt Meadows, Chilliwack)","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 O/O Condo/Strata","50% Rent to Income subject property\n Street uses DSC for Other properties","Actual \nprovable","<2,000 sq.ft. $100 Other 5¢ /sq.ft","3% of Balance","Bureau Payment or 3% of balance","25yr Amort of Balance at BoC","3% of Balance","Bureau Payment or None if 3 mo. or less","1.5% of Balance","Exclude","Add to Payments"]
["Street Capital","Street Capital  -  Rest of Canada\n","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 O/O Condo/Strata","50% Rent to Income subject property\n Street uses DSC for Other properties","Actual \nprovable","<2,000 sq.ft. $100 Other 5¢ /sq.ft","3% of Balance","Bureau Payment or 3% of balance","25yr Amort of Balance at BoC","3% of Balance","Bureau Payment or None if 3 mo. or less","1.5% of Balance","Exclude","Add to Payments"]
["Street Capital","Street Capital  -  ( Small Rental )","Rental","not applicable",null,"P.I.T.H.S. for Subject\n Street's DSC for Other properties","50% of rent for borrower's Residence\n Street's DSC for Other properties","Actual \nprovable","<2,000 sq.ft. $100 Other 5¢ /sq.ft","3% of Balance","Bureau Payment or 3% of balance","25yr Amort of Balance at BoC","3% of Balance","Bureau Payment or None if 3 mo. or less","1.5% of Balance","Exclude","Add to Payments"]
["Street Capital","Street Capital  - Options","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"Net Rental expense\n if formula shows Shortfall","\"Wash\" method - see comment","Actual \nprovable","<2,000 sq.ft. $100 Other 5¢ /sq.ft","3% of Balance","Bureau Payment or 3% of balance","25yr Amort of Balance at BoC","3% of Balance","Bureau Payment or None if 3 mo. or less","1.5% of Balance","Exclude","Add to Payments"]
["TD Canada Trust","TD/Canada Trust  ( O/O )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata (O/O)\nall expenses for others (DSC 1.0)","50% of Rent in O/O residence\n ( 1.0 DSC all Other properties )",null,100,"3% of Balance","3% of Balance","25yr Amort of Balance at BoC","3% of Balance","Bureau Payment","1% of Balance","Exclude","Add to Payments"]
["TD Canada Trust","TD/Canada Trust  ( Rental )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata (O/O)\nall expenses for others (DSC 1.0)","50% of Rent in O/O residence\n ( 1.0 DSC all Other properties )",null,100,"3% of Balance","3% of Balance","25yr Amort of Balance at BoC","3% of Balance","Bureau Payment","1% of Balance","Exclude","Add to Payments"]
["XCEED","Xceed    ( Owner Occupied )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata","50% of Rent from O/O\n 80% Offset from Rentals","Actual or\nMLS amount","$100 and up","3% of balance","3% of balance","25yr Amort of balance at BoC","3% of balance","Contract Payment","3% of balance","Exclude","Deduct from Inc.\n or add to Pmts."]
["XCEED","Xceed    ( Rental - CMHC Insured )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata","50% of Rent from all properties","Actual or\nMLS amount","$100 and up","3% of balance","3% of balance","25yr Amort of balance at BoC","3% of balance","Contract Payment","3% of balance","Exclude","Deduct from Inc.\n or add to Pmts."]
["XCEED","Xceed    ( Rental - Genworth Insured )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata","50% Rent from O/O\n 80% Offset or current T776 from Rentals","Actual or\nMLS amount","$100 and up","3% of balance","3% of balance","25yr Amort of balance at BoC","3% of balance","Contract Payment","3% of balance","Exclude","Deduct from Inc.\n or add to Pmts."]
["XCEED","Xceed    ( Owner Occupied - Alt-A and \"B\" )","O/O","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata\nless 100% subject rent, less 80% of other rents","rental surplus\ncase-by-case","Actual or\nMLS amount","$100 and up","3% of balance","3% of balance","25yr Amort of balance at BoC","3% of balance","Contract Payment","3% of balance","Exclude","Deduct from Inc.\n or add to Pmts."]
["XCEED","Xceed    ( Rental - Alt-A and \"B\" )","Rental","P.I.T.H. + 1/2 Condo/Strata",null,"P.I.T.H. + 1/2 Condo/Strata\nless 100% subject rent, less 80% of other rents","rental surplus\ncase-by-case","Actual or\nMLS amount","$100 and up","3% of balance","3% of balance","25yr Amort of balance at BoC","3% of balance","Contract Payment","3% of balance","Exclude","Deduct from Inc.\n or add to Pmts."]
[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 Aug. 1, 2008 (revised through March 2024 )"]
[]
[null,"Use without prior written permission of the Author is prohibited."]

{"sheet":"Pre-Approval","index":2,"n_rows":42,"n_cols":15,"rows_kept":42,"cut":false,"hidden":true,"merged":[[39,1,39,5],[35,1,35,6],[0,2,0,14],[1,2,1,14],[5,5,6,5],[4,1,6,1],[2,12,4,14],[2,3,4,5],[2,6,4,11]]}
["Pre-Approval",null,{"$f":"REPT(\"MM PRO - Shared Formulas & Data    \",53)","v":"MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    MM PRO - Shared Formulas & Data    "}]
[null,null,{"$f":"REPT(\"  MM PRO by Mortgage Mentor     : : :  \",6)","v":"  MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :    MM PRO by Mortgage Mentor     : : :  "}]
[null,null,null,"Pre-Approval",null,null,"Rate Hold",null,null,null,null,null,"Other"]
[]
[null,"Mortgage Mentor Shared Information"]
[null,null,null,"Pre-\nApproval","Docs\nRequired","Full document review\nand Approve except\n for property","Rate hold NO property info","Docs\nRequired","How long","Rate \nFloat Down","Rate\nRe-Set","Rate Drop policy","Court Ord Sale\n\"Pre-Approval\"","New\nConstruction","Affect Fund. Ratios"]
[]
[null,"B2B Bank",null,"Exception","Full exc.\n Contract","No","Yes","Application &\nCredit Bureau",120,"Automatic look back","5 days prior to close","One request\n5 days","No","Projects Only\nask BDM","No"]
[null,"Bridgewater",null,"No","n/a","No","Live Deals Only","n/a",90,"No","Gold","Yes","No","9 Months","No"]
[null,"Canadiana",null,"No","n/a","No","Live Deals Only","Application &\nCredit Bureau"," to 120 Purch\n60 ReFi","No","request","request","if Accepted Offer","Live Only","n/a"]
[null,"CHIP",null,"No","n/a","No","No","n/a","n/a","No","n/a","n/a","No","No","n/a"]
[null,"C.M.L.S.",null,"Rate Hold Add 10bp","n/a","No","Yes","Application &\nCredit Bureau",120,"5 bus. days prior to fund","Broker Request","One request\n 5 bus. days","Yes",120,"n/a"]
[null,"Equitable Bank",null,"No","n/a","No","Live Deals Only","full doc package",120,"case/case","case/case","case/case","No","90 / 60 day","Yes"]
[null,"First National Financial",null,"\"soft\"","Full exc.\n Contract","On exception","Yes","Application &\nCredit Bureau",120,"No","Broker Request 1","One request","Yes",120,"Yes"]
[null,"Home Trust",null,"No","n/a","No","Live Deals Only","Application &\nCredit Bureau","120 \"A\"\n90 \"B\"","No","request","7 days prior or request","Live Deals only","120 \"A\"\n90 \"B\"","Yes"]
[null,"ICICI",null,"Rate Hold","n/a","On exception","No","n/a","n/a","No","2 Days prior to close","request","No",120,"n/a"]
[null,"Industrial Alliance",null,"No","n/a","No","Live Deals Only","n/a","120 Purch\n90 ReFi","No","request","request","No","120 Purch\n90 ReFi","No"]
[null,"Lendwise",null,"90 days Posted rate","Application &\nCredit Bureau","No","Live Deals Only","Application &\nCredit Bureau","120 / 60","No","n/a","request","No",120,"Yes "]
[null,"MCAP",null,"Rate Hold Add 20bp","n/a","No","Yes +20 bp","Application &\nCredit Bureau","90 Purch\n30 ReFi","No","n/a","case-by-case","No","Standard","Yes"]
[null,"MCAP eclipse",null,"No","n/a","No","Approvals only","Application &\nCredit Bureau","90 / 30","No","n/a","n/a","No",120,"Yes"]
[null,"Merix",null,"90 days Posted rate","Application &\nCredit Bureau","No","Yes","Application &\nCredit Bureau","120 / 60","Broker Request","n/a","request","No",120,"Yes "]
[null,"National Bank",null,"No","n/a","No","Yes +5bp \neach 30 days","n/a","90 / 120 / 150\n6 month","No","request","request","No","30 / 60 / 90\n6 month"]
[null,"Optimum",null,"No","n/a","No","No","n/a",90,"No","No","request","Yes",90,"Yes"]
[null,"Radius Financial",null,"No","n/a","No","Yes","Application &\nCredit Bureau",90,"No","7 Days prior to close","request","No",90,"Yes"]
[null,"RMG Mortgages",null,"No","n/a","No","Yes Fix +20bp\nn/a LRB","Application &\nCredit Bureau",90,"if  Live","request","request","On Exception",120,"Yes"]
[null,"Scotia Bank",null,"No","n/a","No","Yes","Application &\nCredit Bureau","120 Std\n90 Specials","No","By Broker\nNew 120 days","Automatic","Yes","120 / 90 day"]
[null,"Street Capital",null,"No","n/a","No","Yes","Application &\nCredit Bureau","120 Fixed\n120 ARM","No","5 Days prior\nto close","request","Yes","120 Fixed\n120 ARM","Yes"]
[null,"Street Capital  ( Loyalty Program )",null,"No","n/a","No","Yes\nexc. 10 yr","Application &\nCredit Bureau","120 Fixed\n120 ARM","No","5 Days prior\nto close","request","Yes","120 Fixed\n120 ARM","Yes"]
[null,"Street Capital   ( Options )",null,"No","n/a","No","No","Application &\nCredit Bureau","120 Fixed","No","n/a","request","Yes","120 Fixed\n120 ARM","No"]
[null,"TD Bank",null,"\"soft\"","Application &\nCredit Bureau","Optional","Yes","Application &\nCredit Bureau","120\nlive in 90","No","written request","written request","Yes",120,"Yes"]
[null,"Vancity",null,"No","n/a","No","Yes","n/a",90,"Automatic","Automatic","not required","case-by-case",90,"No"]
[null,"XCEED",null,"No","n/a","No","Live Deals Only","Application &\nCredit Bureau",120,"Automatic","Automatic","7 days","Yes",120,"No"]
[]
[null,"2012-07-26"]
[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  AMP"]
[null,"Proprietary Property of R. A. Robertson"]
[null," © Copyright May 2012, (revised through Feb 2017)"]
[]
[null,"Use without prior written permission of the Author is prohibited."]

{"sheet":"Agreement","index":3,"n_rows":48,"n_cols":2,"rows_kept":48,"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,"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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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. "]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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."]
[null,"continued…"]
[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. "]
[null,"continued…"]
[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."]
[null,"continued…"]
[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.  "]
[null,"continued…"]
[null,"19.    This agreement may not be assigned by you. MMI may assign this agreement at any time without notice to you. "]
[null,"continued…"]
[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"]