Property owner: I own or buy commercial property

See your propertythe way a lender will.

Before you ask for financing, Levercomm reads your rent roll and statements, grades the building on six factors and builds a lender-ready package that stays yours.

Start your 14-day trial Try the Rating

14-day trial · from CA$49/mo · 3-month minimum

Levercomm film for property owners
0:45
See your property the way a lender willThe film · 45 s

Levercomm Rating · 76 / 100Les Jardins Saint-Laurent24 units · Montréal · refinance

NOI
$269.7K
DSCR
1.08x
LTV
79.8%
Debt yield
5.68%

Example Rating. Not a credit rating or a lending decision.

  • 6 Rating factors
  • 14-page package
  • Program fit, 70 lenders
  • Files in your Google Drive
  • EN/FR

Levercomm is software, not a lender or a broker.

Broker or lender? → Brokers · Lenders

Loan levers · Example

How much can this building borrow?

Switch on what you can change, and watch what a lender could size it at. Example only.

Example

Max loan a lender could size

$0

TodayRating

Levers you can pull

ProgramInsured programs allow a lower DSCR and a higher LTV, if the building qualifies.
AI summaryExample insight

Strengths
Risks
Mitigants

Example only, with the demo building: 24 units, value $5,950,000, 2 units vacant today, expenses $170,100, vacancy 5%. Loan = the lower of what the NOI supports (NOI ÷ DSCR, paid over the amortization at the example rate, compounded semi-annually) and the program’s LTV cap, before any insurance premium. Example rates: conventional 4.55%, insured 3.75%; Rating points are an example too. This is what a lender could size it at, example only: not a forecast, an offer or a lending decision. Levercomm is software: it does not lend or guarantee loans. General information.

CMHC, MLI Select and Standard Rental are programs of Canada Mortgage and Housing Corporation (CMHC). Levercomm is not affiliated with CMHC, and CMHC does not endorse it.

The Analysis tab

More than financing. A full read of your building.

Open any deal and the analysis is there. Set your own assumptions and watch the five-year forecast move.

What you learn

  1. 01Where the deal stands

    Cash flow, NOI, DSCR, cap rate, IRR and cash to close, each ratio set against its typical range, with an investor score and what to watch.

  2. 02Five years, line by line

    Income, expenses, debt service and equity year by year, with the cash you need to close and the assumptions behind it.

  3. 03Your assumptions, your forecast

    Set when each vacant unit leases and at what rent, plus rent growth, vacancy and exit cap. Financing is priced on live Government of Canada bond and Bank of Canada rates, so the forecast is personal to your building.

    ExampleForecast assumptionsSame demo building as the Analysis tab. Move a control and the forecast updates.
    Vacant units: lease-up
    Vacant unit 1
    Leased from
    Rent per month
    Vacant unit 2
    Leased from
    Rent per month

    Growth, vacancy and exit

    Example rate3.75%: Government of Canada 5-yr bond + spread3.62% bond + 0.13% spread, 50-year amortization, debt service $245,141 a year. In the app, the bond rate is live; here it is a fixed example.

    Exit value
    IRR
    Cash flow

    NOI by year Debt service

    Cash flow

    DSCR

    Example only, with the demo deal's numbers: 24 units, 2 of them vacant in this example; with both leased from month 1 at $1,600, Y1 gross income is $462,900, as in the Analysis tab. Expenses $170,100, cash to close $1,011,975. Plain maths: NOI = gross income × (1 − vacancy) − expenses; DSCR = NOI ÷ debt service; exit value = next year's NOI ÷ exit cap rate, less 5% selling costs and the loan balance; IRR on cash to close, yearly cash flow and the sale. The app's own model may round differently.

  4. 04Every program, side by side

    Conventional, CMHC Standard and MLI Select scenarios compared row by row, with the best value in each row checked.

Included on every owner plan: Borrower, Portfolio and Family Office.See the plans →

Renewal tracking

Every maturity, on one calendar.

Enter each loan’s maturity date and rate. Reminders come well ahead, so you plan the refinance early, with the forecast above.

Planning your renewal, in the Guide

Explore

The Analysis tab demo: Overview, Pro forma and Financing

Example: demo deal from the app

Les Jardins Saint-LaurentOverview

Scenario: MLI Select 100

The demo building: a four-storey brick multifamily with exterior stairsBLevercomm Rating
DraftMLI Select 100

Les Jardins Saint-Laurent

24 units · Montréal · Multifamily · built 1988

Units
24
Price
$5,950,000
Per door
$247,917
Loan
$5.6M 89%
Built
1988
Asset
Multifamily
Cash flow / yr
$24,514

$2,043/mo, $85/door

NOI
$269,655

GRM 12.9x

DSCR
1.10x

min 1.10x

Cap rate
4.53%

Debt yield 4.8%

Cash to close
$1,011,975

2.4% cash-on-cash

IRR · 5 y
-5.0%

NPV -$425.8K

Investor score
28 /100

Weak2 to watch

Revenue & expenses Year 1

LineAnnualPer door% of revenue
Gross income$462,900$19,288
Vacancy 5.0%-$23,145-$964
Effective income$439,755$18,323100.0%
Property Tax-$62,000-$2,58314.1%
Insurance-$16,500-$6883.8%
Utilities-$38,000-$1,5838.6%
Maintenance-$26,000-$1,0835.9%
Management-$18,000-$7504.1%
Capital Reserves-$9,600-$4002.2%
Total expenses-$170,100-$7,08838.7%
NOI$269,655$11,23661.3%
Debt service-$245,141-$10,21455.7%
Cash flow$24,514$1,0215.6%

Market indicators vs typical range

  • Cap rate4.5% - 6.0%4.5%
  • Gross rent multiplier10.0x - 14.0x12.9x
  • Expense ratio35.0% - 50.0%38.7%
  • Break-even occupancymax 85.0%89.7%
  • Debt yield8.0% - 10.0%4.8%
  • DSCRmin 1.10x1.10x
Area
Not matched
BoC policy rate
2.25%as of 2026-10-01
GoC 5-year
3.62%live · as of 2026-10-01

Investor score

28/100
WeakPartial data

A return score for investors, separate from the Levercomm Rating.

  • Cash-on-cash8 / 28
  • Debt coverage7 / 22
  • Cap rate8 / 17
  • IRR0 / 17
  • Rent upside—
  • Expenses2 / 11
  • Leverage2 / 6

Highlights

  • High expenses: $7,088/unit (benchmark up to $6,000)
  • Thin cash-on-cash: 2.4%
Example: demo deal from the app, with the address hidden. Your analysis comes from your own documents. It is not a lender's decision.

The Levercomm Rating

See how lenders will read your property.

One letter, a score out of 100, six factors, read from your documents. Try the moves an owner can actually make, and watch the grade turn.

Example file · B 76 / 100

Example Rating. Not a credit rating or a lending decision.

  • Property95A
  • Program90A
  • Financials76B
  • Borrower75B
  • Rent roll66C
  • Loan47D
NOI
$269.7K
DSCR
1.08x
LTV
79.8%
Debt yield
5.68%

Moves an owner can make

Lease the vacant unitrent roll
Ask for lessloan amount
Show more liquiditynet worth
Add a guarantorrecourse
Switch programinsured or not

Start anywhere. Each move shows which factor shifts, and by how much.

Example: how the Levercomm Rating responds to changes in a sample file. Your Rating comes from your own documents. It is not a lender's decision.

Explore

The owner’s blind spot: what a lender reads first

The owner's blind spot

The lender reads your building first.

Most owners only see a lender's view after they ask. By then, every weak spot is already on the lender's desk.

  • 01The numbers

    You know your rents. The lender reads DSCR, LTV and debt yield against a program floor you never see.

  • 02The weak spots

    Watch items surface in credit review, after you have asked for the money.

  • 03The file

    Rent roll in a spreadsheet, statements in email, the appraisal in a drawer.

  • 04The control

    Every broker rebuilds the file from scratch, and keeps the copy.

Google Drive

Your files, filed. In your own Google Drive.

Connect your Google Drive once. Levercomm creates a Levercomm folder there and files each property’s documents into it. The files stay in your own Drive.

Example. The permission screen is illustrative; the wording Google shows may differ.

  • 01FiledFiled and named for you

    Your T12, rent rolls, leases, appraisals and statements are filed automatically and named in your own Google Drive, one folder per property.

  • 02ControlYou keep control

    Share with your broker or financing team when you choose, and revoke access any time.

  • 03ReadyReady for a refinance

    Everything is ready for a refinance or renewal, with no hunting through email.

Explore

Your file: the broker you choose, or your own team

Your file

Your file. Your choice of broker, or your own team.

The package is built for you, not for a middleman. Edit the content before it goes out, send it from your own email, and take it to the broker you choose, or to your own financing team.

Your package · 14 pages · Example
Package page: deal summary and key metrics
Package page: Levercomm risk rating, B 76 out of 100
Package cover: Les Jardins Saint-Laurent, $4,750,000 loan request
Send the packageFrom your email
Fromyou@yourcompany.ca
ToThe broker you chose
SubjectLes Jardins Saint-Laurent · lender-ready package

Here is the package for the refinance: the Rating, the rent roll, the 10-year cash flow and the documents behind them.

Package.pdf 14 pagesDocuments in your Drive

Sent from your own email

  • 01KeepYou keep the complete file

    Package, Rating and the documents behind them, in your own Google Drive.

  • 02ChooseYou choose who sees it

    Send it to the broker you pick. Talk to a second one with the same file. Nothing is rebuilt.

  • 03PayYou pay for the tool

    Never for an introduction. Levercomm doesn't sell introductions to lenders or brokers.

Levercomm does not refer, introduce or recommend lenders or brokers for a fee. You choose who you work with.

Build your own family office

Add your buildings. Add your team.

Add the properties you own and the in-house team that finances them. Your plan and your price follow as the structure grows.

PropertiesBuildings you own1
Financing Director seatsCA$449 per seat / month0
Analyst seatsCA$79 per seat / month0
Associate seatsCA$79 per seat / month0
One building
Your broker, optional

Renewals tracked for every property

Explore

One building, your portfolio or your own family office: what each stage includes

Grow with it

One building. Your portfolio. Your own family office.

Start with the building you are financing now, add every property you own, then run financing in-house under your own office. Each step keeps everything before it.

  1. 01Start here

    One building

    BorrowerCA$49 / month

    You and one building

    Your broker, optional

    What you unlock

    • AI deal analysis: NOI, DSCR, LTV, debt yield, loan sizing
    • The Levercomm Rating, from six factors
    • A 14-page lender-ready package, in your Google Drive
    Start with one building →
  2. 02Then

    Your portfolio

    PortfolioCA$149 / month

    You and every building you own

    Your broker, optional

    What you unlock

    • Everything in Borrower
    • Unlimited properties, each analysed and rated
    • LeverLink program fit across 70 lenders' programs
    • A package per property, sent from your own email
    • Analyst and Associate seats for your team
    Run your portfolio →
  3. 03Then

    Your own family office

    Family OfficeFrom CA$495 / month

    You, every entity and your financing team

    Your broker, optional

    What you unlock

    • Everything in Portfolio
    • Every property and holding entity in one place
    • Financing Director seats for your in-house team
    • Shared team access Coming soon
    Build your family office →
Your structure today

A spreadsheet per building, documents spread across email threads, and a file rebuilt for every broker.

With Levercomm

Each property's files, Rating and lender-ready package in one place, in your own Google Drive.

Pay for the tools.Never for an introduction.

One building, a portfolio or a family office. Every plan starts with a 14-day trial.

Plans for property owners

A portfolioRecommended

Portfolio

Every building you own, each rated and packaged, and the lender programs that fit each one.

CA$149/ month

3-month minimum · 14-day trial

PropertiesUnlimited

Start your 14-day trial

What Portfolio addsEverything in Borrower, plus

  • Unlimited properties Borrower covers one
  • LeverLink program fit Which of 70 lenders' programs fit each property
  • AI deal analysis per property NOI, DSCR, LTV, debt yield, loan sizing, with a Rating and package each
  • Renewal tracking Maturities, reminders, plan ahead
  • Google Drive sync One folder per property, in your own Drive
  • Analyst and Associate seats CA$79 per seat / month, in your workspace
  • Portfolio analytics Coming soon
One property

Borrower

One building you own or are buying, read, rated and packaged before you talk to a broker.

CA$49/ month

3-month minimum · 14-day trial

Properties1 property

  • LeverAI reads your rent roll and statements
  • AI deal analysis: NOI, DSCR, LTV, debt yield, loan sizing
  • The Levercomm Rating
  • Renewal tracking and reminders
  • 14-page lender-ready package
  • Google Drive sync, files stay in your Drive
Start your 14-day trial
A family office

Family Office

Replace your financing team.

FromCA$495/ month

3-month minimum · 14-day trial

PropertiesEvery property and entity

  • Everything in Portfolio
  • AI deal analysis: NOI, DSCR, LTV, debt yield, loan sizing
  • Every property and entity in one place
  • Renewals tracked for every property
  • Google Drive sync for every property and entity
  • From CA$495, 1 owner included
  • Financing Director seats CA$449 each
  • Analyst and Associate seats CA$79 each
  • Shared team access Coming soon
  • Set up online, no call needed
Start your 14-day trial

14-day free trial. Your card is charged automatically when the trial ends unless you cancel before then. Then a 3-month minimum, renewing monthly (or yearly if chosen) until you cancel. Taxes extra.

Compare every feature

Explore

Compare every featureBorrower, Portfolio and Family Office side by side
FeatureBorrowerPortfolioFamily Office
Properties1UnlimitedUnlimited
LeverAI reads rent roll and statements
AI deal analysis: NOI, DSCR, LTV, debt yield, loan sizing
Levercomm Rating
14-page package, sent from your email
Files in your own Google Drive
LeverLink program fit, 70 lenders–
Financing Director seats, your own properties only––CA$449 / seat
Analyst seats, in your workspace–CA$79 / seatCA$79 / seat
Associate seats, in your workspace–CA$79 / seatCA$79 / seat
Shared team access––Soon
Portfolio analytics–SoonSoon
How it worksWho it's for, day 1, what you pay and when

Every plan starts with a 14-day trial. Yearly billing gives 3 months free.

No call needed

Decide without a call.

Who it is for, what you get, what happens next, what you pay and when. Then the trial is yours to run.

01Who it's for
Owners and investors who own or buy commercial property in Canada and arrange financing for their own buildings: from one property to a family office with its own financing team.
02What you get on day 1
LeverAI reads your rent roll and statements and computes NOI, DSCR, LTV and debt yield. The Levercomm Rating grades the building on six factors, and a 14-page lender-ready package is ready to edit and send from your own email. Portfolio and Family Office add LeverLink program fit.
03What happens after you start
  1. Pick Borrower, Portfolio or Family Office, monthly or yearly, and add a card. Nothing is charged today.
  2. Add your first property and connect your Google Drive.
  3. Drop in the files, then see the Rating and the package.
  4. Before day 14, keep going or cancel in your account settings.
04What it costs, and when
Today: CA$0. After the 14-day trial, your card is charged CA$49 (Borrower), CA$149 (Portfolio) or from CA$495 (Family Office) a month, or the yearly price with 3 months free. A flat price: no fee tied to any loan, and never a fee for an introduction. Taxes extra.
05If you leave
Your packages and documents are already in your own Google Drive, so they stay with you. How to cancel, and the 3-month minimum in dollars, are just below.
Before you startSoftware, not a lender or a broker. Your data, your card

You pay for the tools, never for introductions to lenders or brokers. Levercomm is software, not a lender or a broker.

Before you start

Who runs Levercomm
Levercomm, a Canadian company in Montréal, Québec.
Your data
Your client documents and deal files stay in your own Google Drive. Levercomm reads them to run the analysis and build your packages, and does not keep copies. AI analysis is processed by Anthropic’s Claude; Anthropic does not use it to train its models. Delete your account and your account details are erased; backups are overwritten within 30 days.
Your card
Stripe processes the payment. Levercomm never keeps your card number.
Cancelling
Cancel in your account settings before day 14 and nothing is charged. After the trial, a 3-month minimum: CA$147 on Borrower (3 × CA$49) or CA$447 on Portfolio (3 × CA$149), plus taxes. Family Office from CA$1,485 (3 × CA$495). Cancel any time after.
Support
support@levercomm.comPrivacy policy

After you choose a plan

From trial to your first Rating. In one sitting.

Seven steps, all online. No call, nothing to install.

Levercomm is software, not a lender or a broker. It never lends and never introduces you to lenders or brokers.

Learn it tonight

Learn it tonight. Start tomorrow.

The Guide’s chapter on your renewal, and free video lessons in the Academy.

Guide · Chapter 07Planning your renewalRead the chapter Every Academy lesson

Explore

Questions: lenders and brokers, the Rating, your files, the minimum term and French

Questions.

The short answer

Is Levercomm a lender or a broker?

No. Levercomm is software, not a lender or a broker. It doesn't arrange financing. You take the package to the broker you choose, or to your own team.

And

Do I pay for introductions?

Never. You pay for the tools: LeverAI, the Levercomm Rating and the package. Levercomm doesn't sell introductions to lenders or brokers.

What types of financing can I prepare with Levercomm?

Financing files for Canadian commercial real estate you own: CMHC MLI Select purchase or refinance, CMHC Standard Rental, conventional term loans, construction, bridge and land. Each type gets its own 14-page package, picked automatically from your deal. Advanced templates are rolling out: mezzanine and second-position financing, joint venture and preferred equity, CMBS conduit loans, hotels and seniors housing. Your team sends it to lenders from its own email, or you work with a broker you choose. Levercomm is software, not a lender or a broker: it never lends and never introduces you to lenders or brokers.

Is the Rating a lender's answer?

No. It is Levercomm's read of your file, built on the measures lenders look at: coverage, leverage, the rent roll, the borrower and program fit. Each lender makes its own decision. The Rating shows you the strong points and the watch items first.

Where do my files live?

In your own Google Drive. Connect it and your documents and package stay in your account.

Can I use it with the broker I already have?

Yes. Send the package from your own email to your broker, or to a second broker. The file is yours either way.

Is there a demo?

There are no demos or calls. Try the Rating on this page, then start the 14-day trial and add your own property.

Is there a minimum term?

Every plan starts with a 14-day trial. Paid plans then have a 3-month minimum; cancel any time after. Pay yearly and you get 3 months free.

Does it work in French?

Yes. Levercomm works in English and French.

Property owners

Know how a lender will read it, before you ask.

  • 14-day trial
  • From CA$49/mo
  • 3-month minimum
  • Never a fee for an introduction
Start your 14-day trial