All high-ratio mortgages must be insured, either via CMHC or one of the two private insurers.Similarly there are two sets of guidelines for qualification:  High-ratio borrowers :Mortgage qualification is based upon the Bank of Canada Benchmark 5-year Conventional Mortgage Rate (V122521) - which is presently 4.64% [Note: This is also known as the mortgage qualifying rate];Maximum amortization is 25-years;maximum purchase price or "as improved" property value must be "less than" $1,000,000;borrower's gross debt service (GDS) "less than or equal to" 39% (CMHC prefers "less than or equal to" 32%);borrower's total debt service (TDS) "less than or equal to" 44% (CMHC prefers "less than or equal to" 40%); andproperty must be owner-occupied.Low-ratio borrowers:  If the lender bulk-insures their portfolio, they must qualify applicants using the the same rules as above.  

I would love to have some benchmarks and ideas.

Over the years, I've self managed my investment account through purchase of value stocks have outperformed by benchmark (S&P 500) over the long term.My interest in real estate is to get my money working for me in a new way.

Some may also offer a short term bridge debt option that rolls into permanent financing at a certain benchmark, saving in refi costs.DSCR lenders as I'm using it will be permanent debt financing for many investors because these loan products look heavily at the income the property produces.

@Jerry Puckett A GREAT Marketer. you're my benchmark.

I was getting ready to begin a wholesaling venture with a partner, and had $1,000 in marketing cost per deal in my head as a benchmark, so great to see that this is reasonable.

However, a landlord should have reserves, preferably half a year worth of PITI.When you evaluate a deal, it is always helpful to have a benchmark.

As is the case with any professional service, the quality of their work is directly tied to their experience and integrity, so selecting a qualified engineer plays a big part in the validity of the findings presented and used in the report they produce.Many Cost Segregation companies offer a "benchmark" study free of charge which will provide a conservative estimate of how much accelerated depreciation will come from segregating depreciable assets.

A market being 'overvalued' is not super intuitive as not driven by prices only, one needs to be cognizant of relative growth in the respective benchmark/comparison variable.

I use that number because that would seem to be the bench mark for FI from W2 for many people, with basic life styles.