Macro dashboard - Quebec
Province-wide view: rental pressure, rent dynamics, construction, rates, and market signals to calibrate your decisions.
Summary - Macro signals
Global reading: tight or easing market, rent trajectory, construction, rates.
Vacancy rate (QC)
2.4%
Tight market
rental pressure
Rent growth (QC)
+4.0%
12 mois
momentum
Housing starts
↑
Offre en hausse
12–24 month effect
Mortgage rate (benchmark)
5.2%
Volatility
stress tests required
AI • Summary
Lecture macro (prototype)
Low vacancy + rising rents =support au cashflow. The dominant risk remains thecost of capital(rates) and the delayed effect of housing starts (supply ↑). Recommendation: simulate+1% tauxetvacance +1%in every deal.
Placeholder: the AI should explain “which indicators dominate your risk” based on your profile.
Rents & inflation
Future-income signal against the cost of living.
Rent growth (12m)
+4.0%
Inflation (benchmark)
+2.8%
Spread (rents − inflation)
+1.2%
Lecture
If rents outpace inflation, real income grows. If not, your cashflow must be solid from the start.
Vacancy & pressure
Rental-risk signal.
Vacancy (QC)
2.4%
Tendance 12m
Stable
Vacancy risk (overall)
Faible
Lecture
A tight market = more predictable income. Risk: overpaying if you assume “perfect” growth.
Supply — housing starts
Future-pressure signal.
Housing starts
↑
Time to impact
12–24 mois
“Easing” risk
Moyen
Lecture
Supply ↑ can ease pressure on rents. Your model must hold without “aggressive growth”.
Rates & financing
Cost-of-capital signal.
Benchmark rate
5.2%
Volatility
High
Risque refinancement
Moyen
Lecture
If you buy “at the maximum”, your deal becomes fragile. The rate stress test is non-negotiable.
Snapshot — major regions (prototype)
Quickly compare CMAs: vacancy, rents, tension, signal.
| Region | Vacancy | Rent growth (12m) | Market signal | Risque | Action |
|---|---|---|---|---|---|
| Montreal (CMA) | 2.0% | +4.6% | Very tight | High prices | Compare neighborhoods |
| Quebec City (CMA) | 1.8% | +4.2% | Tendu | Moyen | Compare neighborhoods |
| Gatineau (CMA) | 2.7% | +3.8% | Solide | Moyen | Compare neighborhoods |
| Sherbrooke (CMA) | 2.3% | +4.1% | Solide | Volatile | Compare neighborhoods |
Prototype: connect real series + update dates, then automatically feed the “Market Risk” weighting.
Exporter
Generate scenarios (AI)
Next step
Add “automatic calibration”: per-city assumptions (rent inflation, vacancy, appreciation) are based on this dashboard.