Interactive Decision Lab

XiLan Data Comprehensive Analytics Toolbox

Integrating official Canadian statistics, real-time rates, and XiLan multi-dimensional analytics for mortgage stress testing, investment ROI, and AI-powered home buying diagnostics.

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XiLan Decision Engine v2.6

Intelligent Home Buying Lab

Integrating latest macro data, commercial rates, multi-dimensional models, and LLM for one-stop Canadian home buying stress analytics and decision support.

Live Bank Rate Reference

Mortgage Stress Input

Adjust Variables

Select Target Metro (syncs avg price & tax rate)

Target Price (CAD)

Down Payment (CAD)

% Down Payment

Canadian BankLive Bank Rate Reference (Click to Import)

No rate data available

Loan Interest Rate

Auto-set to latest Big 5 bank rates

Amortization Period

Household Annual Income

Other Monthly Payments

Mortgage Stress Report

Monthly Payment Estimate

$ Monthly Payment (P+I)

Minimum Required Down Payment $ Below legal minimum OSFI Compliant

CMHC Loan Insurance $ Rate:

Total Loan Amount $ Capitalized Premium

OSFI Mortgage Stress Test (GDS/TDS)

OSFI Stress Test & Income Affordability Analysis

Qualifying Stress Rate (Contract Rate + 2%)

Under OSFI guidelines, loan approvals must pass the qualifying stress test rate, which assesses whether you can still service your debt if rates rise by 2%.

GDS Ratio (Gross Debt Service)

Industry red line: 39% (based on city property tax rate)

TDS Ratio (Total Debt Service)

Industry red line: 44% (includes all monthly payments)

Debt Health Rating:

Recommended Minimum Household Income $/year

Land Transfer Tax Calculator

LTT Inputs

Select Province

Within Toronto City?

Target Price (CAD)

First-Time Buyer Rebate

First-Time Home Buyer Tax Rebate

First-time buyer rebate explanation

Land Transfer Tax Result

Total Land Transfer Tax $

Tax Ratio (of Purchase Price) %

Province / Area

Provincial LTT (Original) $

Toronto Municipal LTT (Original) $

First-Time Buyer Rebate -$

Net LTT Payable $

Canadian Tax Bracket Details

Ontario Rate
Toronto Municipal
BC Rate
AB Rate
Rebate Qualification

Investment ROI Calculator

ROI Inputs

Select Target Metro (syncs benchmark price & tax rate)

Purchase Price (CAD)

Down Payment (%)

Expected Monthly Rent

Loan Interest Rate

Synced to Big 5 bank rates

Monthly Condo Fee

Monthly Insurance

Annual Maintenance (%)

Investment Return Panel

Cap Rate %

Cash-on-Cash Return %

Est. Monthly Net Cash Flow $

':' + __t('tools.cash_flow_label') + ' :'

Monthly Ledger

Monthly Gross Rent +$

Monthly Mortgage (P+I) -$

Monthly Property Tax -$

Monthly Condo Fee -$

Monthly Maintenance & Insurance -$

Total Cash Outlay $ cash outlay

Dual-City Comparison

Select Two Cities to Compare side-by-side

Ready to Compare

Select two metro areas above to start comparison

XiLan Overall Score

Enter Metro Hub

Indicator Deep Dive

XiLan Overall Score

Enter Metro Hub

Smart Investment Compass

Adjust Personal Weights

Adjust the five weights below. The algorithm will match you with the top 3 metro areas based on your preferences for safety, returns, livability, economy, and costs.

Top Matching Metros

Top 3 matched cities matching your portfolio constraints

Awaiting Activation

${window.__t("tools.matchmaker_instruction") || "Adjust weights and click Start Matching"}

AI Home Buying Advisor

AI Decision Copilot

${window.__t('tools.budget_synced') || 'Budget synced'} 都会区: | ${window.__t('tools.price') || 'Price'}: $ | ${window.__t('tools.downpayment') || 'Down Payment'}: $ | ${window.__t('tools.family_income') || 'Family Annual Income'}: $

Quick Questions

Custom Question

AI Analysis Report

Custom investment advisory diagnostic report

Free API Copilot

Awaiting AI Activation

Choose a quick question on the left or enter your own, and we will instantly generate a precise investment report integrating property tax, debt ratio, CMHC premiums, and local market conditions.

${window.__t('tools.analyzing') || 'Analyzing...'}

AI analysis engine is building a deep investment cash flow framework based on metropolitan data and stress rates. Please wait...

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