THE ZEN INVESTMENT PROPERTY GUIDE

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PROP
Quick access to QE2 highway
Built by a stable, experienced multi-family builder
Short commute to Calgary
High rental demand continues in Airdrie
ZEN
ravenswood in airdrie
Townhomes built by award winning Avalon Master Builder, incorporate
the latest in green building techniques and technologies and are
Energuide certified.
stylish designs & features
1026 - 1363 sq.ft.
2 bedroom single level garden homes with private patios
2 and 3 bedroom townhomes with and without attached garages
i nve s t i n zen. com
1 assigned parking stall with all homes
(except laned homes which have garages)
Alberta New Home Warranty protected
desirable location
Well positioned near the QE2 Highway
CrossIron Mills is just minutes away and the Calgary International
Airport lies a few kilometres to the south
Deerfoot Trail offers a quick, uninterrupted drive to Downtown Calgary
time to purchase is now
Historical low interest rates contributes to immediate positive cash flow
for investors
Strong net migration continues for the Calgary CMA area including Airdrie
Rentals are still demanding higher rental rates due to limited supply
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ZEN is the smart choice for maintenance free condominium living.
Durable material choices and superior energy efficient construction translates into
lower operation and replacement costs. Research has shown that a 'green' built
home has a higher occupancy rate and higher resale value.
about ZEN
ravenswood in airdrie
key ZEN features
Low-maintenance professionally landscaped
water-wise common grounds
built to last
5 year asphalt shingles roofing with 7/16”
Bluwood roof sheathing
Innovative bungalow garden homes with private
outdoor courtyards and 2 level townhomes with
private fenced yards
Optional unique “rainscreen” moisture guard
system to shed water and protect against
unwanted moisture
Choice of three interior designer selected colour
palettes
Hardie Board concrete siding exterior
Energuide certified
smart and stylish
Open floor plans with stylish kitchens for today’s
casual lifestyles
Six brand name appliances included
Full height kitchen backsplash with eye‑catching
glass tile
Plush carpet with durable 8lb underlay
Vinyl floor in bathrooms, front entry, kitchen and
pantry
Optional comprehensive inspection and photo
documentation program over entire construction
process
All drywall used in framing process is paperless
concrete board
energy efficient
Radiant in-floor heating in the single level living
garden homes
Programmable Energy Star thermostat with dual
set back and HRV
All ductwork joints and penetrations sealed with
low toxic mastic sealant
2” underslab insulation
Energy Star vinyl dual glazed argon filled low-e
windows
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It all adds up to a smart real estate investment.
Visit www.investinzen.com for site plan, floorplans
and detailed specifications.
highly desirable
location
The community of Ravenswood in Airdrie allows
Within Airdrie there are a multitude of outdoor
you can take pleasure in the quaint charm that
parks and walking paths. Airdrie's Nose Creek
Airdrie offers while enjoying great access to big
Park offers 40 acres of green-space and over 3
city amenities such as:
km of paved trails. A pond offers skating in the
CrossIron Mills only 10 kilometres away
Calgary International Airport 20 minutes
south
winter and a home to various species of water
fowl in the summer. Festivals and recreation
opportunities occur year round.
Deerfoot Trail offers a quick, uninterrupted
drive to Downtown Calgary.
For those who travel frequently or need quick trips
out of town, Ravenswood is well positioned near
the QE2 Highway. Stoney Trail offers convenient
access to Banff and Kananaskis Country.
investinzen.com
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airdrie
advantages
location
On the Calgary-Edmonton corridor (QEII) and
minutes from the Trans-Canada Highway
Only 20 minutes to the Calgary International
Airport and 35 minutes to downtown Calgary
More than 50,000 vehicles pass daily by Airdrie
on the QEII highway.1
Airdrie has proven to be a popular home for
many WestJet employees, along with others
working out of the nearby Calgary International
Airport.2
young population
One of the fastest growing cities in Canada
36 percent of Airdrie residents are
between 25-44 years of age4
thriving
Airdrie has a regional market of nearly 1.5 million
people and a local trade area of more than 53,0001
Airdrie is an important hub for commercial and
service operations and is closely tied with the
Calgary marketplace
Millions of dollars in infrastructure and amenities to
support the growth of Airdrie is planned by the
strong municipal leadership
employment growth
Average household income in Airdrie has increased
from $98,533 in 2009 to $114,113 in 2014 and the
projected estimate for 2017 is $128,0663
Despite lower oil prices - the average level of
employment in Alberta is forecast to be 0.6% higher
than in 20145
airdrie employment predictions6
30,000
30,999
28,273
25,000
24,471
22,581
20,000
15,000
26,289
20,112
14,938
10,000
5,000
0
2008
year
2013
2018
2023
2028
2033
sources:
City of Airdrie - Airdrie's business advantage http://www.airdrie.ca
www.calgaryherald.com/homes/Airdrie+young+city+rise/8738963/story.html
3
PCensus Online prepared on April 14, 2015
4
City of Airdrie 2014 Municipal Census. Total Respondents 50,473 (does not include 4,418 No response and Prefer not to answer)
5
Labour Market Notes, http://finance.alberta.ca/aboutalberta/labour-market-notes/2015/2015-04-labour-market-notes.pdf#page=2
6
City of Airdrie, http://www.airdrie.ca/index.cfm?serviceID=481
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2038
housing
rental market
average row rents continue to rise in calgary CMA
average two-bedroom rent ($)
1,300
1,200
1,100
1,000
900
800
700
600
500
400
300
200
100
0
2005
year
2006
2007
2008
2009
2010
2011
2012
2013
2014
housing rental market
Population growth leads to housing demand and
Calgary CMA (Census Metropolitan Area) is
expected to attract 15,000 migrants in 20151
Vacancy rate for row/townhouse rentals remains
low in the Calgary CMA and led to an increase in
average rents2
The average rent for two-bedroom row units in
the Calgary CMA was $1,230 per month in
October 20142
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2
Statistics Canada, Conference Board of Canada Forecast, CREBNow.com
CMHC Rental Market Outlook Report for Calgary CMA, Fall 2014
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why
real estate?
leveraged investment
Real estate is a high performance long-term
investment vehicle. Just like the stock market,
time is on your side when investing in real estate.
The difference is leverage. While a bank will not
usually put up 80% of the cost for an investment
in stocks, bonds or mutual funds, a bank will
provide up to 80% of the cost for an investment
property.
the benefits of a
leveraged investment
A leveraged real estate investor buys real estate
worth many times the down payment. A property
worth $100,000 can be purchased with a $20,000
downpayment.
You benefit from the growth of the property value,
not just the original investment, which multiplies
your returns.
The chart below assumes a cash investment of
$25,000 for a $100,000 condominium and an
annual appreciation of 3%.
The principal of the mortgage is paid down by a
tenant who essentially buys the investment for you.
In 25 years, the property is worth over $200,000
and still providing monthly income. The
investment has increased 8-fold. Even in a flat
real estate market, the asset worth is 4-fold,
which you now own 100% and is providing
monthly income.
$209,400
$250,000
200,000
real estate appreciation at 3%
150,000
mortgage paid by tenant (rent)
100,000
50,000
original $25,000 investment
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RETURN ON INVESTMENT OVER 25 YEAR PERIOD
Source: Refocus Consulting
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22
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24
25
return on
investment
EXAMPLE: Level Living Garden Home
Initial
Net Purchase Price
$241,810.00
GST
$12,090.00
Total Purchase Price
$253,900.00
Minus 20% Downpayment
$50,780.00
Total Mortgage Amount
$203,120.00
Loan to Value Ratio
Net Income/Loss
0.8
Initial
Total at 5 Years
Monthly Mortgage Payment - 25 yr ammortization, 2.99% 4 years*, monthly payment
$909.00
$54,540.00
Condo Fees
$178.00
$10,680.00
Estimated Property Taxes
$100.00
$6,000.00
Total Monthly Costs
$1,187.00
$71,220.00
Estimated Monthly Rental Income (based on rentfaster.ca May 2013 stats)
$1,500.00
$90,000.00
$313.00
$18,780
Net Income/Loss
Return On Investment at 5 Years
Total Investment
$50,780.00
Mortgage Paydown (at 5 years)
$31,238.00
Mortgage Remaining (at 5 years)
$171,882.00
ROI with No Capital Appreciation
Value of your Investment (actual purchase price = / - cash flow - mortgage remaining)
Value of your Investment (value of investment / total investment)
Annualized ROI – %
$63,238.00
197.62%
11.37%
ROI with Capital Appreciation (approx 1.9% annual appreciation)
Value of your Investment (actual purchase price = / - cash flow - mortgage remaining)
Value of your Investment (value of investment / total investment)
Annualized ROI – %
$88,292.66
275.91%
12.75%
* For illustration purposes only. Prices subject to change without notice.
This document is for information only and is not an offering for sale. Any such offering shall only be made in conjunction with the delivery of a real
estate purchase contract. E.&O.E.
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avalon
master builder
Avalon Master Builder is a progressive Calgary
Green building represents the platform for our home
home building company engaged in the
building. Avalon has been a leader of green building
development and construction of condominium
techniques and technologies in the Calgary Region.
townhomes and single family homes in the Calgary
All Avalon homes meet standards in energy
Region. At the core of our business, we believe
efficiency, water conservation and sustainable
people should come first, that quality homes should
building practices and each home is tested and
be available at a reasonable price and what’s good
audited by an independent third party.
for our environment is also good for our customers.
Greater comfort, energy efficiency, durable materials
and healthier indoor air quality that saves the
homeowner money are just some of the benefits of
owning an Avalon built home.
Since 1983, Avalon Master Builder
has built homes that people love to live in.
Avalon has a Master Builder designation, is a member of the Canadian
Home Builders’ Association (CHBA – Calgary Region), and a member of the
Alberta New Home Warranty Program (ANHWP).
Find out more about Avalon here www.avalonmasterbuilder.com
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ZEN Ravenswood in Airdrie
2400 Ravenswood View SE
Sales Centre Hours
Monday - Wednesday: 2pm - 8pm
Weekends & Holidays: 12 noon - 5pm
Contact Sherry Duperre
Phone 403-805-0423
[email protected]
Email
INVESTINZEN.COM
This document is for information only and is not an offering for sale. Any such offering shall only
be made in conjunction with the delivery of a real estate purchase contract. E.&O.E.