Interactive Decision Lab

XiLan Decision Engine v2.6

Adjust Variables

Canadian Bank (Click to Import)

No rate data available

$ Monthly Payment (P+I)

$ Below legal minimum

OSFI Stress Test & Income Affordability Analysis

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%.

$/year

LTT Inputs

First-Time Home Buyer Tax Rebate

First-time buyer rebate explanation

Ontario Rate
Toronto Municipal
BC Rate
AB Rate
Rebate Qualification

ROI Inputs

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

$ cash outlay

Select Two Cities to Compare side-by-side

Adjust Personal Weights

Top 3 matched cities matching your portfolio constraints

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

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'}: $

Custom investment advisory diagnostic report

Free API Copilot

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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