THEZENINVESTMENT

PROPERTYGUIDE

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Built by a stable, experienced multi-family builderHigh rental demand continues in AirdrieShort commute to Calgary

Quick access to QE2 highway

ZENravenswood 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 & features1026 - 1363 sq.ft.2 bedroom single level garden homes with private patios2 and 3 bedroom townhomes with and without attached garages1 assigned parking stall with all homes(except laned homes which have garages)Alberta New Home Warranty protected

time to purchase is nowHistorical low interest rates contributes to immediate positive cash flowfor investorsStrong net migration continues for the Calgary CMA area including AirdrieRentals are still demanding higher rental rates due to limited supply

desirable locationWell positioned near the QE2 HighwayCrossIron Mills is just minutes away and the Calgary International Airport lies a few kilometres to the southDeerfoot Trail offers a quick, uninterrupted drive to Downtown Calgary

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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.

key ZEN featuresLow-maintenance professionally landscaped water-wise common groundsInnovative bungalow garden homes with private outdoor courtyards and 2 level townhomes with private fenced yardsChoice of three interior designer selected colour palettesEnerguide certified

smart and stylishOpen floor plans with stylish kitchens for today’s casual lifestylesSix brand name appliances includedFull height kitchen backsplash with eye‑catching glass tilePlush carpet with durable 8lb underlayVinyl floor in bathrooms, front entry, kitchen and pantry

built to last5 year asphalt shingles roofing with 7/16” Bluwood roof sheathingOptional unique “rainscreen” moisture guard system to shed water and protect against unwanted moistureHardie Board concrete siding exteriorOptional comprehensive inspection and photo documentation program over entire construction processAll drywall used in framing process is paperless concrete board

energy efficientRadiant in-floor heating in the single level living garden homesProgrammable Energy Star thermostat with dual set back and HRVAll ductwork joints and penetrations sealed with low toxic mastic sealant2” underslab insulationEnergy Star vinyl dual glazed argon filled low-e windows

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about ZENravenswood in airdrie

It all adds up to a smart real estate investment.Visit www.investinzen.com for site plan, floorplans and detailed specifications.

ZEN is the smart choice for maintenance free condominium living.

highly desirablelocation

The community of Ravenswood in Airdrie allows you can take pleasure in the quaint charm that Airdrie offers while enjoying great access to big city amenities such as:

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.

Within Airdrie there are a multitude of outdoor parks and walking paths. Airdrie's Nose Creek Park offers 40 acres of green-space and over 3 km of paved trails. A pond offers skating in the winter and a home to various species of water fowl in the summer. Festivals and recreation opportunities occur year round.

CrossIron Mills only 10 kilometres awayCalgary International Airport 20 minutes southDeerfoot Trail offers a quick, uninterrupted drive to Downtown Calgary.

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locationOn the Calgary-Edmonton corridor (QEII) and minutes from the Trans-Canada HighwayOnly 20 minutes to the Calgary International Airport and 35 minutes to downtown CalgaryMore 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

employment growthAverage 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

young populationOne of the fastest growing cities in Canada36 percent of Airdrie residents arebetween 25-44 years of age4

thrivingAirdrie 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 marketplaceMillions of dollars in infrastructure and amenities to support the growth of Airdrie is planned by the strong municipal leadership

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airdrieadvantages

airdrie employment predictions6

30,99928,273

26,28924,471

22,581

20,112

14,938

20080

10,000

5,000

15,000

20,000

25,000

30,000

2013 2018 2023 2028 2033 2038year

1 City of Airdrie - Airdrie's business advantage http://www.airdrie.ca2 www.calgaryherald.com/homes/Airdrie+young+city+rise/8738963/story.html3 PCensus Online prepared on April 14, 20154 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=26 City of Airdrie, http://www.airdrie.ca/index.cfm?serviceID=481

sources:

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housing rental marketPopulation 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

20050

100200300400500600700800900

1,0001,1001,2001,300

2009200820072006 2010 2011 2012 2013 2014year

average two-bedroom rent ($)

average row rents continue to rise in calgary CMA

1 Statistics Canada, Conference Board of Canada Forecast, CREBNow.com2 CMHC Rental Market Outlook Report for Calgary CMA, Fall 2014

housingrental market

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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 chart below assumes a cash investment of $25,000 for a $100,000 condominium and an annual appreciation of 3%.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.

the benefits of aleveraged 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 principal of the mortgage is paid down by a tenant who essentially buys the investment for you.

RETURN ON INVESTMENT OVER 25 YEAR PERIODSource: Refocus Consulting

$209,400

0

50,000

100,000

150,000

200,000

$250,000

real estate appreciation at 3%

mortgage paid by tenant (rent)

original $25,000 investment

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25

return oninvestment

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 0.8

Net Income/Loss 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

Net Income/Loss $313.00 $18,780

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

$63,238.00

Value of your Investment (value of investment / total investment)

Value of your Investment (actual purchase price = / - cash flow - mortgage remaining)

Value of your Investment (actual purchase price = / - cash flow - mortgage remaining)

197.62%

Annualized ROI – % 11.37%

ROI with Capital Appreciation (approx 1.9% annual appreciation)

$88,292.66

Value of your Investment (value of investment / total investment) 275.91%

Annualized ROI – % 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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avalonmaster builderAvalon Master Builder is a progressive Calgary home building company engaged in the development and construction of condominium townhomes and single family homes in the Calgary Region. At the core of our business, we believe people should come first, that quality homes should be available at a reasonable price and what’s good for our environment is also good for our customers.

Green building represents the platform for our home building. Avalon has been a leader of green building techniques and technologies in the Calgary Region. All Avalon homes meet standards in energy efficiency, water conservation and sustainable building practices and each home is tested and audited by an independent third party.

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.

Avalon has a Master Builder designation, is a member of the CanadianHome Builders’ Association (CHBA – Calgary Region), and a member of theAlberta New Home Warranty Program (ANHWP).

Find out more about Avalon here www.avalonmasterbuilder.com

Since 1983, Avalon Master Builderhas built homes that people love to live in.

ZEN Ravenswood in Airdrie2400 Ravenswood View SE

Sales Centre HoursMonday - Wednesday: 2pm - 8pmWeekends & Holidays: 12 noon - 5pm

Sherry Duperre403-805-0423sduperre@avalonmasterbuilder.com

ContactPhoneEmail

INVEST INZEN .COMThis 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.