Purpose-built rental, built open-book.
A construction-management service for owners planning a purpose-built rental — every trade contract in your name, nothing marked up, and the financing and tax incentives assembled for you. The same open-book model behind our custom homes.
Purpose-built rental, and what it qualifies for.
- 4–12units — purpose-built rental scale
- $0 HSTon qualifying new rental construction (federal + Ontario rebate)
- up to 95%financing via CMHC MLI Select
- 50-yearamortization available
Program terms current as of June 2026; confirmed per project.
The best moment in a generation to build a small rental.
Three forces have lined up behind the small purpose-built rental. Permission and financing are no longer the obstacle — the scarce part is finding an experienced office to build it right.
Zero HST
On a qualifying purpose-built rental of four or more units, the full 13% HST is rebated — 100% of the federal 5% (the federal PBRH rebate) and 100% of Ontario’s 8% portion — roughly $65,000 back on a $500,000 unit. Conditions: at least 90% long-term rental, construction begun after September 13, 2023 and before 2031, and substantially complete before 2036.
Four units as-of-right
Ottawa’s new zoning by-law, approved by City Council in January 2026, permits up to four units as-of-right on a serviced urban or suburban lot and removes minimum parking requirements.
Financing built for it
CMHC’s MLI Select reaches up to 95% of cost and 50-year amortization for energy-efficient rentals of five or more units (best terms at 100 points; minimum 1.10 debt-service coverage).
A shrinking trade
Ontario faces a shortfall of tens of thousands of workers by 2034 as experienced builders retire — capable management is the scarce part.
Your name on every contract — income property, too.
The same open-book agency model behind our estate work applies to income property. You hold each trade contract directly; the office holds none and takes no margin. A general contractor's markup — typically 12 to 18% — stays in your pocket, and every cost stays in plain view.
The owner holds
- Each trade contract, in your name
- Every invoice, in full and unmarked
- Final approval on cost and selection
The office holds
- Tendering & recommendation
- Coordination & supervision
- Schedule, quality & cost control
- The incentive stack — financing, HST, energy
One office assembles the stack.
As your construction manager we hold the tendering, coordination and cost control, and we assemble the programs your project may qualify for — the HST rebate, CMHC MLI Select and construction financing, and an energy-efficient design (insulated-concrete structure and geothermal) built to the standard those programs reward. Every cost stays in your name and in plain view.
The Wendover Estate.
We are managing the construction of a 13,582-square-foot custom residence on the Ottawa River — insulated-concrete structure and geothermal energy, engineered as one system, in construction through 2027. Wendover is a custom home, not a rental — but it is the same open-book model and building science we bring to a purpose-built rental build.
See whether your lot works.
Tell us about your site and we'll prepare the real build numbers — cost, financing and the incentive stack — for your lot. An initial conversation carries no obligation.
Begin the conversationRelated reading: Building a CMHC MLI Select purpose-built rental in Ottawa