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good day everyone this is calvin professor c here so today is already december times fries like 2020 is like we have done nothing so anyway um lets use our last month of the year to learn as much about mortgage as possible now today i am going to try to explain something not very easy to understand and thats how the calculation of rental deficit or in some parts of canada rental surplus and how that is calculated and the two major calculation method that we all use right so before i continue i just want to say thank you last week i just launched my vip membership as you can see on the screen below um the the website is there is .patreon.com kevinchat mortgage so by becoming a members you are going to be able to um actually have a weekly meeting with us live over soon uh and you know the concept of rental is very difficult and you know because of i have never taught it on youtube before uh but i find that because we are going to be able to talk to each other live like a lot of your vi