Get a clear feasibility report, cost estimate, and permit roadmap — in 48 hours. No architect fees.
ADU stands for Accessory Dwelling Unit — a self-contained living space built on your existing lot with its own entrance, bedroom, bathroom and kitchen.
A small house at the back of your lot facing the lane. Legal on 47,000+ lots in Toronto since 2019.
A detached unit in your backyard — no laneway required. Now legal in most Ontario cities.
A separate unit in your existing basement with its own entrance. Most affordable option.
Transform your detached garage into a livable space. Great for smaller lots.
Most Ontario homeowners spend weeks and thousands trying to figure out if they can even build an ADU.
Zoning rules, setbacks, lot coverage — it's a maze. Architects charge $3,000+ just to say no.
Online estimates range $80K–$400K. Nobody gives you a real number for your property.
Every municipality has different rules and timelines. It's overwhelming.
Pre-consultations, architect waitlists — months pass without moving forward.
We've built prefab homes in Ontario. We know the process inside out.
Fill out a short form — address, lot size, what you want to build. 10 minutes.
We check zoning bylaws, setbacks, lot coverage, and OBC compliance for your address.
A clear PDF in your chosen language(s) — everything you need to move forward.
Tailored to your address — not a generic template. Available in 12 languages.
Does your lot qualify for laneway suite, garden suite, or secondary unit?
Setbacks, lot coverage, height limits and access requirements for your lot.
Based on actual modular & prefab construction data broken down by scope.
Which permits, in what order, with timeline and city fees.
What fits on your lot — studio, 1-bed, or 2-bed.
Market rent, payback period, and return on investment projection.
Receive your report in English/French + any of 10 additional languages.
Walk through the report together. Ask questions in your language.
Factory-built modular panels, assembled on your lot. Fixed price, predictable timeline. All models meet Ontario Building Code.
Delivery distance, foundation type, utility hookups — every site is different. Send us a request and we'll calculate a site-specific price for your property. No obligation.
Select a model and your area — see cost, mortgage (CMHC 5% down), rental income and net cashflow instantly.
Enter your property address and we will send the full calculation. No obligation.
Every city in Ontario has different size, setback and height rules for ADUs. Check your desired size against typical by-law limits for your area — before you commit to a model.
⚠️ This is a preliminary estimate based on publicly available zoning by-laws as of 2026. It does not account for your specific lot shape, existing structures, tree by-laws, minor variances, or recent amendments. Our Feasibility Report includes a verified zoning review for your exact address.
5 quick questions. Find out if you're a likely match for 5% down, 95% financing on your ADU.
No retainers. No surprise fees. Pay once, get your answer.
Are you a realtor, mortgage broker, or investor? We have a white-label partner program with exclusive pricing. Submit your details — we will review your profile and send you a personalized proposal within 24 hours.
CMHC now insures mortgages for prefab & modular ADU construction — with as little as 5% down. Staged funding released in 4 draws as your project progresses.
⚠️ The 5% minimum applies when YOU live on the property (you in the main home, tenant in the ADU — the classic setup). A pure rental/investment property where you won't live requires at least 20% down and is not CMHC-insurable.
CMHC Prefab Plus insures your ADU mortgage — same terms as a conventional home purchase. No more "cash-only" barrier.
Mortgage funds released in 4 milestones: site prep → delivery → installation → finishing. Your money when you need it.
Program is live as of 2026. Most homeowners don't know about it yet. Our feasibility report includes CMHC Prefab Plus eligibility analysis.
None of the major ADU competitors have adapted their process for CMHC Prefab Plus yet. Get in before the rush.
Example — 1-Bedroom ADU · $185,000 · Toronto
These programs can stack with CMHC Prefab Plus financing. Availability, amounts and conditions depend on your city and project — we confirm exactly what applies to you in a free consultation.
Enhanced Residential Rental Property Rebate for new-builds started Apr 1, 2026 – Mar 31, 2027: up to $80,000 of provincial HST back per rental unit. A $300–400K garden suite can see roughly $39,000–$52,000 in savings.
Source: Ontario 2026 Budget, CRA Notice 346
Up to $80,000 low-interest loan (~2%, 15-year term) to help finance a new secondary unit — stacks on top of your CMHC mortgage.
Source: Canada Mortgage and Housing Corporation
Toronto: up to $50,000 forgiven over 15 years if you rent at Average Market Rent. Ontario's provincial program: up to $40,000 forgivable (50% of cost) if rented below-market for 5 years. Rules vary by city.
Source: City of Toronto, Ontario Secondary Suite Incentive Program
⚠️ General program information only, not a guarantee of eligibility or amount — programs change, have income/rent-level conditions, and not all stack with each other. We verify what you actually qualify for during your Feasibility Report.
Turn a rural lot — by a river, in the forest, on the lake — into a short-term-rental income property. Same prefab modular technology, built for Airbnb-style hosting instead of a backyard suite.
⚠️ Short-term-rental (Airbnb/VRBO) income properties are financed differently than a primary-residence ADU — typically a DSCR loan or CMHC MLI Select rather than CMHC Prefab Plus. Our feasibility report includes a financing-path breakdown for this model.
Riverside, forest, lakeside, off-grid or semi-rural — we assess zoning, access, septic/well requirements and short-term-rental bylaws for your chosen location.
Factory-built modular unit, fully finished, delivered and assembled on site — same fixed-price model as our ADUs, adapted for nature retreats and glamping-style stays.
We help you set up the listing, pricing, and a basic management workflow — including chatbot-assisted guest communication.
One module earning well? Add a second, third — a small off-grid retreat cluster financed under CMHC MLI Select multi-unit terms.
1 Bedroom + Living/Kitchen (sofa bed ×2) · $195,000 turnkey
Avg. Nightly Rate: $280 · Annual Occupancy: ~54%
2 Bedrooms · $245,000 turnkey
Avg. Nightly Rate: $420 · Annual Occupancy: ~52%
Where These Numbers Come From: Based on 2025–2026 short-term-rental market data for Ontario lake & forest regions: standard lake-area modules average $202–$285/night, while premium, newly-renovated properties with hot tubs, saunas and waterfront access reach $457–$496/night (sources: Trent Lakes & Muskoka STR market reports). Annual occupancy in cottage country runs ~37–46% — lower than in cities, but that's purely seasonal: prime summer/fall weekends and fall-colour weeks are typically booked out 6–12 months ahead, while the quiet Nov–Apr stretch pulls the yearly average down. That's the normal rhythm of a seasonal market, not a flaw in the model.
A modular unit in cottage country isn't a summer-only asset — it's a four-season business, and that's what makes the occupancy numbers above work. Spring brings early-bird bookings at lower rates that still fill the calendar. Summer is peak: families, lake days, the year's highest nightly rates. Fall is actually the strongest season in Ontario cottage country — leaf-season weekends book out 6–12 months ahead at premium pricing. And winter is no dead zone: hot tubs, saunas, fireplaces and snowshoe trails turn the module into a cold-weather retreat for couples, holiday groups and corporate teams. Four seasons, four kinds of demand, one property earning in each — that's how a ~37–46% “seasonal” average becomes a genuine year-round income stream.
The same module works as a corporate retreat venue — off-sites, strategy sessions, training weekends, client events. Companies book in blocks at premium group rates, and fill exactly the weekday and off-season slots that pull down the annual average for properties that rely on individual travelers alone. It's the segment that turns a “seasonal” module into a 12-month earner.
You don't have to stop at one module on your own lot. MFT also builds complexes of 20–30+ modular units on a single managed property, run as one boutique apart-hotel. Buy one unit — or several — hold full legal title, and let shared booking demand, staff and marketing lift occupancy and cut your per-unit costs well below what a standalone module can reach, while a professional management company runs the day-to-day. You own real estate; the complex performs like a hotel.
DSCR loans qualify you on the property's rental income, not your personal salary — the standard tool for Airbnb-style income properties in Canada. Scaling to several modules opens the door to CMHC MLI Select, which now insures modular/prefab multi-unit construction at up to 95% of build cost. We walk you through both paths in your feasibility report.
A mini business plan with unit economics, ROI/ROMI calculations and a 1-to-30-unit scaling model — built on real photos and numbers from our modular unit projects.
Free download · No registration required · ~1.2 MB · .pdf · RU & EN
You don't need to buy an entire complex to get started. Enter the short-term-rental income format with a single premium module — earn from day one, then scale at your own pace. Leave your details below and we'll send a personalized commercial offer straight to your inbox: payback period, cash flow, and your exact entry ticket under the new financing program (active since May 2026).
Project Sonya — 45 m² (≈484 sq ft), the floor plan used in this offer's calculations. Glass walls, private deck, pergola, sauna-ready.
See More Projects →Minimum entry — one premium module, down payment from ≈ $67,100 (32% lower than before, thanks to the new infrastructure-financing program).
≈ $47,500/yr net cash flow from a single module — a 70.7% cash-on-cash return from year one.
Add a second, third, tenth module whenever you're ready — each one lowers the entry ticket and lifts portfolio returns up to 127% CoC at 30 units.
When you buy one module in the MFT portfolio, you're not buying a fund share or a timeshare — you hold full legal title to a real, modular home that's 100% yours. But because it operates as one unit inside a single professionally managed apart-hotel complex, it performs like nothing a standalone rental ever could.
Guests book the whole complex, not a single module — your unit fills alongside every other one, smoothing out the slow seasons that hurt solo rentals.
One housekeeping crew, one maintenance team, one marketing budget serve the entire portfolio — cutting your per-unit running costs far below a standalone rental.
Title stays in your name — your asset, your equity, your exit whenever you choose. Our management company handles bookings, guests, cleaning and upkeep end-to-end. You simply receive your net payout.
Fill in your details — within minutes you'll receive a full breakdown in your chosen language, straight to your inbox.
Your information is confidential and is never shared with third parties.
We are Modular Frame Technologies Inc. — 24 years in construction and 20 years in modular/prefab production, based in St. Catharines, Niagara Region, Ontario. Real construction experience, not textbooks.
24 years in construction, 20 years manufacturing modular and prefab homes — St. Catharines, Niagara Region, Ontario.
We manufacture modular and Prefab homes in Ontario. Estimates based on real material prices.
Deep knowledge of Ontario Building Code, Toronto Laneway Suite policy, GTA bylaws.
No waiting weeks for an architect. A comprehensive report in 48 hours.
Reports delivered in English/French + your language. Serving all of Canada's communities.
Beyond ADUs: the same factory-built modular platform, reshaped into a turnkey food & beverage kiosk — walk-up, drive-thru or delivery only, no dine-in required. We've already run the full unit economics for 4 concepts across 3 sizes. Short version below — request the full breakdown for any concept.
Highest customer frequency in the line-up (≈157 transactions/day) plus an office coffee-service channel. The most resilient format in the portfolio.
Turnkey from $225,700 · Payback ≈0.5 yr · CoC 200%
Build-your-own salads plus corporate lunch-platter catering for nearby offices. Strong margins, healthy positioning.
Turnkey from $232,600 · Payback ≈0.6 yr · CoC 172%
Real GTA crêperie pricing with dozens of fillings, plus an events/corporate crêpe-station channel. Great for social content.
Turnkey from $251,100 · Payback ≈0.6 yr · CoC 161%
Baked, not fried — a lighter commercial-kitchen build-out. Best for morning-impulse traffic and office box orders.
Turnkey from $255,200 · Payback ≈0.9 yr · CoC 112%
Same platform, 3 sizes: walk-up/drive-thru only (S, shown above) · seating for 8–15 (M) · café up to 20 seats (L). We recommend starting with S — the best risk-adjusted return of the three. Figures are modeled estimates (mid-scenario revenue) — the full calculation includes conservative/optimistic ranges and per-size capex.
Every kiosk is a steel-frame modular box — most units are stationary on retractable support legs, not wheels. If a location underperforms, moving it costs $10,000–15,000 — instead of writing off $150,000–300,000 in leasehold improvements the way a traditional café tenant would on a failed lease. It's real estate you own, not a bet on one address.
Retractable, adjustable support legs let the unit self-level on uneven, sloped or unprepared ground — placed on virtually any surface, with no costly site grading before you open.
Walk-up or dine-in, any format can add a drive-thru lane — hugely popular in Canada, where customers buy without leaving the car. More transactions through the register, every shift.
Open under the MFT name from day one, or go fully private label — your brand, your identity, our build. Either path can be packaged as a complete franchise from the very start, not bolted on later.
Complete niche calculation for your concept and market — revenue, capex, payback and cash-on-cash, before you commit a dollar.
Competitive-environment analysis and a site shortlist for any city, province or district you name — we tell you where to put it before you sign anything.
Menu development, kitchen automation, POS & accounting system, a customer-facing app, marketing and social-media management — fully done for you.
A clear, structured growth program for investors who want to expand fast — add units the same way you added the first, with the playbook already written.
Every concept comes in 3 sizes — and hundreds of non-repeating façade, décor, branding and fit-out combinations, so your location looks like your brand, not a catalogue unit.
Browse actual modules by format and size — click any photo to enlarge.
Pick a concept and size — we'll send the full payback/CoC breakdown, capex line items and financing path to your email.
Your information is confidential and is never shared with third parties.
Renders and builds from our pipeline — not stock photos. New projects are added as they're completed.
We take over the full operations — listing, guests, cleaning, pricing, promotion. You receive monthly payouts. Our fee is a share of your profit only. Zero fixed costs. Zero upfront. If your property earns nothing — we earn nothing.
Already managing your own rental? We handle the operations — cleaning, repairs, inspections — so you focus on expanding your portfolio.
We assess your property, model the rental income, and give you a realistic forecast — before you sign anything.
Professional photography, listing creation, dynamic pricing setup, guest protocols — we go live within a week.
Monthly payout directly to your account. Full income report every 1st of the month. No surprises.
Tell us about your property — we'll send a forecast and fee breakdown within 24 hours.
Laneway suites, garden suites, basement apartments — ALL of Ontario: Toronto, Mississauga, Hamilton, Ottawa, London, Niagara, Barrie, Kitchener, Windsor, Sudbury, Thunder Bay and more. Expanding to all Canadian provinces in 2026.
You'll know in 48 hours, saving months of effort. We suggest alternatives. Full refund if nothing is feasible before report delivery.
Yes. Default is English (most provinces) or French (Quebec). You can request any second language from our 12 supported languages.
Based on actual 2025–2026 Ontario construction costs using modular and prefab technology. Typically within 10–15% of final project cost.
Secure payment via Visa, Mastercard, Amex or e-Transfer through Stripe. Receipt immediately, confirmation within 15 minutes.
Currently serving all of Ontario — and actively expanding across Canada. British Columbia, Alberta, Quebec, the Prairie provinces and the Atlantic provinces are next on the roadmap as the CMHC Prefab Plus financing program rolls out nationwide. Join the waitlist in the order form to be first in line when we launch in your province.
Yes — as of 2026, CMHC (Canada Mortgage and Housing Corporation) now insures mortgages for prefab and modular ADU construction. This means you can buy your ADU with as little as 5% down, just like a regular home. Funds are released in 4 staged draws tied to construction milestones. Our feasibility report includes a CMHC Prefab Plus eligibility section. Ask us about connecting you with a mortgage broker who specializes in this program.
Мы ответим лично — без скриптов и обязательств.
48-hour report in your language. Clear answers, real numbers, no runaround.
Questions? info@mftadvisory.ca
Building an ADU is a big decision, no rush. Leave your email and we'll send you the ADU Buyer's Checklist + your calculator results, so you can pick this up whenever you're ready.
Built on Data, Not Guesswork
We're early in publishing named client case studies — here's what's real and verifiable on our end today.
2-Bedroom ADU · Toronto · 5% down (CMHC Prefab Plus)
Worked example using our calculator's live methodology (current rate & market rent assumptions) — the same numbers you'd get plugging this into the calculator above.