| Our Services

APPRAISAL SERVICES

Emadi Appraisals Ltd. provides independent real estate valuation and consulting services tailored to the intended use of the appraisal and the requirements of the client. Our services support financing, legal proceedings, taxation, insurance, and informed real estate decision-making across Ontario.

All appraisal assignments are completed in accordance with the Canadian Uniform Standards of Professional Appraisal Practice (CUSPAP) and the professional requirements of the Appraisal Institute of Canada.

Financing & Lending Appraisals

We prepare appraisal reports for mortgage financing and lending purposes, developed with an understanding of institutional underwriting requirements and risk considerations.

Services include:
  • Mortgage financing appraisals
  • Refinancing and equity take-out appraisals
  • Appraisals for major Canadian banks, credit unions, and trust companies
  • Appraisals for private and alternative lending
  • Commercial and construction lending appraisals
  • As-is and as-complete appraisals for new construction

Estate, Tax & Advisory Appraisals

Estate and tax-related assignments require precision, documentation, and clear effective dates. Our reports are prepared for reliance in planning, compliance, and review contexts.

Services include:
  • Estate and probate appraisals
  • Capital gains and tax reporting appraisals
  • Retrospective (historical date) valuations
  • Inter-family transfer and estate equalization appraisals
  • Advisory appraisals for estate planning purposes

Matrimonial & Litigation Appraisals

We provide independent appraisal services for matters involving dispute resolution or legal proceedings, where objectivity and defensibility are essential.

Services include:
  • Matrimonial and separation appraisals
  • Appraisals prepared for mediation, arbitration, and settlement
  • Litigation-related valuation assignments
  • Support for contested valuation matters
  • Reports are developed with heightened attention to scope definition, methodology, and documentation.

Power of Sale & Distressed Property Appraisals

Emadi Appraisals provides valuation services for properties subject to power of sale and other distressed circumstances. These assignments require careful consideration of market exposure, property conditions, and non-typical sale conditions.

Services include:
  • Power of sale property appraisals
  • Lender-owned property valuations
  • Mortgagee-in-possession appraisals
  • Distressed residential and mixed-use property valuations
  • Portfolio appraisals involving non-arm’s-length or forced-sale conditions

Development & Project-Based Appraisals

We provide valuation services to support development, redevelopment, and improvement-related decisions.

Services include:
  • New construction appraisals
  • Renovation and improvement impact appraisals
  • As-is and as-complete valuations
  • Highest and best use analysis
  • Development and transitional land appraisals
  • Assignments consider zoning, planning context, market demand, and risk factors relevant to development decisions.

Insurance & Risk-Related Appraisals

Insurance-related appraisal services are provided to support underwriting, coverage assessment, and post-loss matters.

Services include:
  • Replacement cost appraisals for insurance purposes
  • Insurance valuation updates
  • Post-loss and damage-related valuation assignments
  • Support for underwriting and claims-related valuation requirements
  • Reports are prepared with attention to cost methodology, depreciation assumptions, and rebuilding considerations where applicable.

Investment & Portfolio Appraisals

We provide valuation services for investor-owned properties and portfolios, supporting acquisition, disposition, and internal decision-making.

Services include:
  • Appraisals for income-producing properties
  • Portfolio valuation support
  • Advisory appraisals for investment analysis

Advisory & Consulting Services

In addition to formal appraisal reports, Emadi Appraisals provides independent valuation advisory services where an opinion of value or market insight is required.

Services include:
  • Independent valuation advice
  • Market value opinions for planning and decision-making
  • Highest and best use analysis
  • Consulting support related to valuation matters
  • All advisory services are provided without advocacy and with a focus on professional judgment and objectivity.

PROPERTY TYPES APPRAISED

Emadi Appraisals Ltd. provides valuation services for a broad range of real property types across Ontario. Property acceptance is guided by the intended use of the appraisal, property complexity, geographic familiarity, and scope of competency, ensuring compliance with professional practice requirements and client expectations.

Residential Properties

RESIDENTIAL PROPERTIES

  • Single-family detached dwellings
  • Semi-detached dwellings
  • Condominium units (low-rise, mid-rise, and high-rise)
  • Townhouses and stacked townhomes
  • Duplexes, triplexes, and small multi-residential properties
  • Residential properties with accessory units
  • Vacant residential land
Income-Producing

INCOME-PRODUCING & INVESTOR-OWNED RESIDENTIAL

  • Small apartment buildings
  • Investor-owned residential portfolios
  • Residential properties held for rental or income purposes
  • Mixed residential rental configurations

Valuations consider market rent, operating characteristics, and highest and best use where applicable.

Mixed-Use

MIXED-USE & COMMERCIAL PROPERTIES

  • (within defined scope and competency)
  • Mixed residential-commercial properties
  • Neighbourhood retail properties and plazas
  • Office properties
  • Industrial and flex-use properties
  • Owner-occupied and income-producing commercial assets

Assignments involving commercial or mixed-use properties are accepted based on scope, complexity, and appropriate professional oversight.

Development

DEVELOPMENT & TRANSITIONAL PROPERTIES

  • Development land
  • Infill and redevelopment sites
  • Transitional properties with redevelopment potential
  • Properties subject to zoning or planning change considerations

Valuations may include highest and best use analysis, planning context review, and market feasibility considerations where relevant to the assignment.

Special Circumstance

SPECIAL CIRCUMSTANCE & RISK-RELATED PROPERTIES

  • Properties subject to power of sale
  • Lender-owned and mortgagee-in-possession properties
  • Properties affected by damage, loss, or functional issues
  • Properties requiring retrospective or non-current valuation dates

These assignments require enhanced analysis of exposure, condition, and marketability assumptions.

Insurance

INSURANCE-RELATED PROPERTIES

  • Residential and mixed-use properties valued for insurance purposes
  • Properties requiring replacement cost analysis
  • Properties subject to post-loss or damage-related valuation

Insurance-related valuations focus on cost methodology, rebuilding assumptions, and risk considerations rather than market transaction pricing.

Portfolio

PORTFOLIO & MULTI-PROPERTY ASSIGNMENTS

  • Residential and mixed-use portfolios
  • Multi-property estate and trust assignments
  • Investor-held property groupings

Portfolio assignments are structured to ensure consistency, transparency, and appropriate reconciliation across properties.

All property types are appraised in accordance with the Canadian Uniform Standards of Professional Appraisal Practice (CUSPAP) and the professional requirements of the Appraisal Institute of Canada.

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