napkn - 2026 Pricing, Features, Reviews & Alternatives

napkn is cloud-based financial engineering software for multi-unit residential real estate projects (5+ units) in Quebec and Ontario. It converts a Centris listing, submitted by URL or PDF, into a complete financial model covering normalized net revenues before and after optimization, renovation costs, acquisition fees, financing structures, refinancing scenarios, and recovered capital. No financial expertise or spreadsheet skills are required, and results are delivered in under 5 minutes. The platform operates on an annual subscription with unlimited analyses included, accessible via web browser at napkn.tech/app.

The platform automates data-intensive tasks through live extraction of listing data and automatic synchronization of lender rate grids from major Canadian financial institutions, including Desjardins, Laurentienne, BMO, RBC, SCHL, and APH, as well as the Bank of Canada reference rate. Expense normalization follows lender-specific criteria, and market rents are updated monthly by sector. Acquisition fee calculations, including welcome tax by municipality, are computed automatically. Financing models cover conventional commercial and personal structures, SCHL and APH refinancing scenarios, multi-mortgage configurations, and private loan capacity, all kept current without manual input.

napkn targets real estate brokers and investors ranging from beginners with no financial background to experienced operators running complex multi-mortgage and renovation scenarios. Feature configurations support value-add renovation projects, heating conversions, per-unit renovation modeling, unit additions, and new construction scenarios. Unlimited scenario comparisons per address allow evaluation of each decision's impact on ROI. Exportable, presentation-ready PDF reports are formatted for direct submission to lenders, private partners, and investors, built on the same financial fundamentals used by major Canadian financial institutions.