01Size the deal
Multi-Residential Financing in St. Catharines, ON
Capitalor facts
- Scenario rate 5.20%: GoC 5-yr 3.60% (as of 2026-10-07) + 160 bps illustrative spread = 5.20%. Not a lender quote.
- Hypothetical deal: $5,000,000 value, 6.0% cap rate, $300,000 NOI — replace with your own.
- St. Catharines population: 136,803 (2021 Census). No verified local lender count, cap rate or deal size is published.
Scenario rate
5.20%
Hypothetical
Illustrative LTV
75%
Coverage floor
1.20x
Scenario coverage
1.21x
Capitalor scenario model (published formulas, hypothetical inputs) · Page revised 2026-09-23 · Maintained by Capitalor Data Desk
Scope: Multi-Residential Financing · St. Catharines, ON
Inputs: GoC 5-yr 3.60% (as of 2026-10-07) + 160 bps illustrative spread = 5.20%
Conventional apartment debt for owners outside insured programs. Capitalor does not publish a lender rate for multi-residential financing in St. Catharines. The scenario on this page starts from the GoC 5-year benchmark of 3.60% observed on 2026-10-07 plus an illustrative 160 bps spread, giving a 5.20% scenario rate. Replace it with a real quote as soon as you have one.
On a hypothetical $5,000,000 property at a hypothetical 6.0% cap rate ($300,000 NOI), a 75% advance is $3,750,000 and costs $247,100 a year at 5.20% over 30 years — 1.21x coverage. The 1.20x floor caps the loan at $3,794,012, so leverage binds first in this scenario.
Coverage falls to the 1.20x floor at about 5.30% — 0.10% of headroom above the 5.20% scenario rate.
St. Catharines, ON had a population of 136,803 in the Statistics Canada 2021 Census. Capitalor does not currently hold a verified local lender count, cap rate, or transaction average for St. Catharines, so none is shown. Enter your own property value, NOI and quote into the calculators below.
Leverage, amortization, term and spread are illustrative structure settings for this product type, not any lender's published terms or an offer of credit.
What would multi-residential financing cost on a hypothetical St. Catharines deal?
At the 5.20% scenario rate, $3,750,000 of proceeds on a $5,000,000 property, costing $247,100 a year at a 75% advance. Coverage falls to the 1.20x floor at about 5.30% — 0.10% of headroom above the 5.20% scenario rate.
02Stress the debt
192 observations from 2026-01-02 to 2026-10-07. Net move +0.60 percentage points. Capitalor never deletes an observation.
Loan and NOI held constant. Where the curve crosses the floor line is the rate at which this deal stops covering its debt service.
DSCR calculator
Hypothetical Multi-Residential Financing scenario — enter your St. Catharines numbers
Annual debt service
$247,100
DSCR
1.21x
Within Capitalor DSCR Stress Band
Max loan at 1.20x
$3,794,012
LTV calculator
Hypothetical Multi-Residential Financing scenario — enter your St. Catharines numbers
Current LTV
75.0%
Inside lender band
Max loan at cap
$3,750,000
Equity required
$1,250,000
05Decide
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04Choose city
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ActQuestions
What rate will I get on multi-residential financing in St. Catharines?
Capitalor does not know and does not publish one. The 5.20% on this page is a scenario: GoC 5-yr 3.60% (as of 2026-10-07) + 160 bps illustrative spread = 5.20%. Actual quotes depend on the lender, asset, covenant and sponsor.
How large a loan does the hypothetical scenario support?
$3,750,000. Leverage allows $3,750,000 (75% of $5,000,000); coverage allows $3,794,012 on $300,000 NOI at a 1.20x floor. The lower number binds.
What is the annual debt service?
$247,100 per year ($20,592 monthly) on $3,750,000 at 5.20% over 30 years.
How much rate headroom is there before coverage breaks?
Coverage falls to the 1.20x floor at about 5.30% — 0.10% of headroom above the 5.20% scenario rate.
How many lenders write this product in St. Catharines?
Capitalor does not publish a count. Its lender register is a national list of firms, not a verified local census, so it cannot support a St. Catharines-specific number.
Are these official program terms?
Leverage, amortization, term and spread are illustrative structure settings for this product type, not any lender's published terms or an offer of credit.
How current is the benchmark?
The last Bank of Canada observation on file is 2026-10-07.
Can I export my own numbers?
Yes. The debt scope builder on this page exports a term-sheet-ready PDF from your own inputs. No email, no account, no gate.
Sources
- [1] Bank of Canada — benchmark rate series — Government of Canada 5-year benchmark bond yield, last observation on file 2026-10-07
- [2] Statistics Canada — 2021 Census of Population — St. Catharines population
Not advice — Capitalor is a data publisher. We do not originate, broker, arrange, or place debt, and nothing here is an offer of credit, a quote, or financial advice. Figures are indicative benchmarks for comparison and must be confirmed with a licensed lender or mortgage professional before you rely on them. About Capitalor