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Dream Impact 5 50 Convertible Unsecured Subordinated Debentures T.MPCT.DB

Alternate Symbol(s):  T.MPCT.DB.A

Dream Impact Trust is a Canada-based open-ended trust dedicated to impact investing. The Company operates through two segments: Development and investment holdings, and recurring income. The Development and investment holdings segment comprised direct and indirect investments in residential and mixed-use developments, a hospitality asset, and participating mortgage receivables. The Recurring income segment comprised a portfolio of commercial real estate income properties and multi-family rental assets in the Greater Toronto Area (GTA) and Ottawa/Gatineau, a utility asset, and interest-paying corporate loans. The Company is managed by Dream Asset Management Corporation (DAM).


TSX:MPCT.DB - Post by User

Comment by InvestSmarteron Nov 03, 2024 11:15pm
60 Views
Post# 36294634

RE:MPCT Q3 Financial Release Preview

RE:MPCT Q3 Financial Release PreviewOther Notes/Updates:
 
Our LOC I am expecting will be dissolved, and we will have a cash+ balance. Our cash demand is low, as our developments are paid for through CMHC loans and EAI are essentially self funded. Our Developments are mostly all zoned now.
 
We have heaps/loads of cash coming when 49 Ontario Closes, which should be soon as the project is expected to start mid 2025. Additional cash is coming from one time profits from IVY Condos, Brightwater Towns (townhomes), Remainder of Brightwater II (10%), The Mason, and possibly Birch House Condos. Our cash coming in over the next year is more than what the trust needs even without 49 Ontario, which will go towards paying down debt. When 49 Ontario closes, our debt at corporate level will be nearly cut in half vs Q2 2024 leaving MPCT is a very strong financial position.
 
Additionally, we have cash coming from 76 Stafford and 3.27 acres (10%) of Zibi undeveloped land which are both being marketed now. 
 
Management has proven their value the past year as material progress has been made on many fronts. We are nowhere near done but will start to see material improvements going forward. 
 
While MPCT's unit price took a big hit, the damage was done mainly due to interest rates rising so rapidly, driving up the holding costs of our variable land loans. Today, we have the exact opposite happening. Costs of these land loans are dropping as rates drop almost just as fast as they went up and at the same time, we have recurring income rising due to apartments completing and leasing up and total our debt dropping. This is creating a tail wind for the REIT which will see a material drop carrying costs and rising income.
 
In the near future, MPCT will have almost no land loans, and will be predominantly income properties only with a paid off land bank which will feed our income growth as we develop each building.
 
 
 
MPCT Research Below:
 
 
Scarborough Junction, The Hidden Gem
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36281186
 
MPCT 2026 Forecast with Slide Presentation Images
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36266982
 
New Toronto Rental Program Incentive
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36290006
 
Q3 Earnings Preview
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36293713
 
Huge Increase to NOI over the next 12 months. Details:
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36263654
 
Our Developments, with Pictures
https://stockhouse.com/companies/bullboard?symbol=t.mpct.un&postid=36235736
 
Q3 2024 Commentary (Not Official)
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36279263
 
2025 MPCT-UN Catalysts & Path To No Land Loans
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36245063
 
Insider Purchase Bhalla, Amar, ($50,000) Units on September 26
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36253768
 
Links to MPCT Property Development Photos
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36224127
 
Government is doing everything in MPCTs Favor. 
https://stockhouse.com/companies/bullboard?symbol=t.mpct.db&postid=36226580
I will add to this, No GST on new apartment builds, as well as CMHC loans are non-recourse. Dream is one of very few on CMHCs fast approval regular developer program. Plus, Toronto's new rental incentive program waiving development charges
 
 
 


InvestSmarter wrote:
I am most looking for details on the following in Q3:
49 Ontario Progress
Closing Updates on Brightwater Towns, Birch House, and The Mason
IVY Condos Closing
Rising NOI from Multi Family
 
Specific Q3 Financial Changes:
 
21M in debt from IVY will be gone from closings, and a one time profit will be realized. Reducing construction loans. This is EAI debt
 
30M in asset sales will be closed from 10 Lower Spadina and 349 Carlaw. No Mortgages. Cash used to repay debt.
 
Our Liquidity situation has greatly improved significantly reducing risk in the business. We have positioned MPCT for a higher rate environment of closer to 5%+. With rates falling and projects progressing, we are in very good shape
 
Slightly improved debt metrics due to asset sales & Ivy Closing
 
Multi-Family Income will continue to increase (see page 9-10 on Q2 Results). You will notice the mention of bad debt expense, which was likely due to the rent strike, that just ended. I am not sure if we will see recoveries. NOI 1.707M in Q2 I want to see a rise.
 
Fair Value of Multi Family will rise, specifically at Maple House, Aalto II, and Common at Zibi. As normal, as construction reaches milestones, and occupancy increases, value of these properties will increase and debt ratios will improve. Each rental project is CMHC funded and non recourse, making risk very low.
 
Possible Upside Surprises:
- 49 Ontario Deal/progress
- Scarborough Junction News (unlikely)
- Any details on Distribution reinstatement, even a hint of late 2025
- 76 Stafford Asset Sale 
- New Building Start announcements at Brightwater, Quayside, Victory Silos, Zibi
- Zibi Land Sale Update 
 
Expected weakness:
- Sussex Vacancies are known to have increased slightly
- Zibi Office Building Completed in Q3 (or might be considered Q4) which is vacant but a new tenant is likely 1 year away (in discussions)
 
Other Notes:
- With sale of office buildings in Q3, plus 76 Stafford up for sale, we will be left with mainly just Sussex office as non core office (we only own 50%). We have sold around 100K Sq feet of office with another 25K being marketed significantly reducing our office exposure
- Possibly a reduction in our LOC limit due to the above office sales
- Zibi Begins Construction of one building, with 2nd starting in 2025
- Bridge House at Brightwater (will this proceed)? This will pay down land loans.
- Rent Strike at Weston ended (no details will be given likely due to NDA)
- Would like to see some Forecast of 2026 NOI from recurring assets 
 
Its been Busy!
- Brightwater Density was approved to add almost 900 apartments and remove office density
- a building has begun in Zibi (paying down land loans), with a 2nd starting soon
- Ottawa Senators are building their arena next to our Zibi and Dream Lebreton Projects
- 3.27 Acres at Zibi was put up for sale
- 76 Stafford was put up for sale
- 349 Carlaw and 10 lower spadina officially closed, with around 30M in cash incoming this report
- Toronto is working to pass a waiver on development fees saving our developments 10's of millions, as well as 15-100% exemption of property taxes (on top of the HST rebate)
- Birch House began Occupancy October 1st
- Maple House, Aalto II and Common at Zibi are leasing up well and increasing NOI quickly
- I show a slight decrease in Aalto occupancy at end of Q3 but has since recovered.

Conclusion:
We have made a lot of progress this year. Liquidity is strong, and our developments are progressing well. We should be happy with our achievements, and look forward to the big announcements of 49 Ontario, Scarborough Junction, and Distribution Reinstatement which could all occur in 2025.
 
 
 


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