Total purchase cost
Paid to builder + lawyer closing costs
Mortgage balance
At renewal, Apr 6 2026
Current rent
Upper $2,595 + Basement $1,000
Monthly net cash flow
Rent − mortgage − insurance (excl. tax)
Partner balances — operating account
Everything each partner has paid in (+) or collected (−) for the property, compared with an equal ⅓ share. Capital at purchase is tracked separately under Purchase & Closing.
To settle up today
Includes estimated items — see Open Items.
Balance by period
Transaction ledger
+ = paid by partner for the property · − = received by partner from the property (rent, refunds)
Property
| Address | 8 Brixham Lane, Brampton ON (Lot 50, Plan 43M-2116) |
| Builder / Vendor | Coscorp Wanless Inc. |
| Model | Meadowcrest, Elev. B (POTL freehold, PCECC #1133) |
| Title holder | Anitto Anton |
| APS price (2021) | $929,990.00 |
| Closing date | April 6, 2023 |
| Units | 2 — Upper + legal basement (A1 floor plan) |
| Lawyer | Perera Law, file 2023-920 |
How it was funded
Statement of adjustments (builder)
Lawyer closing costs (trust ledger)
Capital contributed by each partner
To confirm: the documents show the deposits ($102,130) and the closing cash ($136,404.49 from Anitto's account) but not how the three partners funded them. Fill in the split and the equity balances will calculate.
Original mortgage — 2023
| Lender | Scotiabank |
| Advanced | April 6, 2023 |
| Principal | $743,992.00 |
| Monthly payment | $4,495.42 |
Renewal — April 2026
| Product | Scotia Flex Value — Scotiabank Flex Mortgage |
| Borrower | Anitto Anton |
| Renewal date | April 6, 2026 |
| Principal | $715,229.03 |
| Rate | 4.05% variable (VRM base 4.45% − 0.40%) |
| APR | 3.95381% |
| Term | 5 years, closed — matures April 6, 2031 |
| Compounding | Semi-annual, charged monthly |
| Monthly payment | $4,495.42 assumed |
Principal paid down
| Original principal (Apr 2023) | $743,992.00 |
| Balance at renewal (Apr 2026) | $715,229.03 |
| Principal repaid in first 3-year term | $28,762.97 |
Part of each mortgage payment builds equity — it's still treated as a shared cost in the operating account, same as the original sheet.
Tenancy history
Current upper lease — key terms
| Tenants | Neha Choudhary, Siddarth Saini |
| Signed | April 4, 2026 · Right At Home Realty |
| Term | 1 year from May 1, 2026 |
| Rent | $2,595 / month, due on the 1st |
| Deposit | $5,190 — first & last month (last month applies to April 2027) |
| Utilities | Tenant pays 100% while basement vacant; 70% once basement occupied (basement pays 30%) |
| Repairs | Tenant covers minor repairs under $150; landlord over $150 |
| Parking | Extended driveway reserved for basement tenant |
Rent collected by month — 2026
Open items — need confirmation
How to update this book
- Every entry lives in the
LEDGERlist at the bottom of this file. Add one line per payment or rent receipt — all totals recalculate. who= partner who paid or received the money;amtpositive if they paid, negative if they received.- Change
st:"est"tost:"ok"once an estimated figure is confirmed.