Basement suite costs.
Your monthly income plan.

By EnerTrust · Updated November 6, 2026 · All figures CAD

Start with the monthly income.

Choose the suite you have in mind: $1,800 per month in program rent for an eligible one-bedroom suite or $2,000 for two bedrooms, under your written rent guarantee. Compare that rent with the illustrative monthly financing and 8% management fee.

Both options use the same $150,000 financing illustration to compare income; a two-bedroom suite may require a different budget. Selecting bedrooms does not set your project price. Figures are rounded; the calculator uses unrounded values. Explore your monthly picture ↗

Your suite and home, managed together.

One coordinated program brings together the design, permit applications, licensed trades, selected finishes, appliances and required inspections. Tenant placement, rent collection and ongoing care are coordinated through MAPZ Property Management once the suite is ready.

Management is 8% of rental income plus applicable tax, with no separate program tenant-placement fee. Whole-home walkthroughs, furnace and appliance checks, maintenance coordination and preferred-contractor access are part of the relationship. Repair labour, parts, replacements and third-party charges are additional under your management agreement.

Around $1,000 a month in illustrative financing.

At a 6% nominal annual rate compounded semi-annually, financing the $150,000 illustration with monthly payments is approximately $960 per month over 25 years or $892 over 30 years. Your assessed project price, independent lender approval, rate, fees and repayment terms determine your actual payment.

A longer amortization lowers the payment but increases total interest if the rate stays unchanged. Rates may change at renewal, and a 30-year option is subject to lender eligibility. Open the payment and total-cost assumptions ↗

Understand the project and borrowing amount.

The $150,000 figure is a planning example rather than a fixed package price. The final scope, price and applicable taxes depend on the assessed layout, access, structure, existing services, approvals and finishes. The monthly figure represents debt repayment, rather than a single all-in program charge.

The illustration assumes the stated rate for the full amortization, monthly payments and no added financing fees. The calculator shows the total repayment and interest under the selected assumptions. Your lender confirms the actual loan agreement, renewal conditions and calculations.

Allow for the costs of ownership.

The amount remaining is before HST on management if applicable, utilities, insurance, property taxes, repairs, replacement reserves, income tax and financing, legal or appraisal fees. Add a monthly ownership-cost allowance in the calculator to see its effect. This remaining amount is not net profit.

Understand the guarantee before you commit.

Your agreement confirms eligibility, rent-payment commencement, duration and conditions. The ongoing rent guarantee requires EnerTrust-selected finishes and management through the program. Self-management remains an option without the ongoing program rent guarantee. Financing obligations and ownership costs remain yours.