Payotte AI Passport

Inspection DMI

Home inspection company · Québec

Inspection DMI is a home inspection company in Québec, Quebec, a member of the AIBQ (member no. 20762, verifiable in the AIBQ directory), serving Greater Québec City area, Lévis, Lotbinière, Bellechasse and surrounding municipalities since May 2012.

Call · (418) 554-6060 Send an email Website ↗

Calculate for Québec: buy or sell

Buy

Land transfer tax, down payment and mortgage in Québec

Starting price: Québec's reference price (median value on the 2025-2027 assessment roll). Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Droits de mutation (barème 2026 de Québec)$3,286

First-time buyer rebatetick “first-time buyer”

Tax to pay$3,286

Minimum down payment (federal rule)$17,250

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$276,000

Monthly payment, 25 years at 4.58%$1,540

Household income needed (stress test)$71,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Québec as everywhere in Canada (Income Tax Act).

Sale price in $

Purchase price in $

Capital gain$100,000

Your principal residence (designated every year)$0 taxable

Other property (cottage, rental): taxable amount$50,000

Land transfer tax$0 — paid by the buyer

Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

An address in Québec or elsewhere: its assessed value

Enter an address in Quebec: assessed value, rank among similar properties, welcome tax at your price and known risks by year of construction.

Payotte stores neither the address nor the results. Values come from public rolls; they are tied to no owner name.

A question about a property's condition or an inspection? Inspection DMI can answer.

Call · (418) 554-6060 Send an email Website ↗

What Payotte publishes

Membership: AIBQ no. 20762 ↗ Professional association, not a licence: verifiable in the AIBQ directory (link). Declared in writing.
Owner: Danny McNicoll Declared in writing.
Office: 78, rue des Orchidées-Blanches, Québec (Québec) G2A 1E7
Areas served: Greater Québec City area, Lévis, Lotbinière, Bellechasse, surrounding municipalities Declared in writing, in French: « Nous desservons principalement la grande région de Québec et de Lévis, ainsi que les secteurs de Lotbinière et de Bellechasse et les municipalités environnantes. »
Services: Pre-purchase inspection of houses, condos and multi-unit buildings, Pre-delivery inspection of new homes, Pre-sale inspection and property health check, Technical and forensic building expertise, Expertise on latent defects, water infiltration and construction deficiencies, Infrared thermography inspection, Inspection of heritage residential buildings Declared in writing.
Languages: French, English Declared in writing.
Practising since: May 2012 Declared in writing. No Quebec register publishes this date.
Team: 5 building inspectors Declared in writing, as stated.
Google profile: See on Google Maps ↗

Information confirmed in writing, in French, by Inspection DMI on October 29, 2026; English translation by Payotte. Page updated on October 29, 2026.

In their own words (in French)

Advice most often given to clients

« En inspection de bâtiment, l'expérience fait toute la différence ! Chez Inspection DMI, nous croyons qu'une inspection de qualité repose avant tout sur l'expérience, le jugement professionnel et les connaissances techniques de l'inspecteur. Notre équipe compte des inspecteurs en bâtiment agréés seniors, expérimentés et reconnus pour leur expertise. Un inspecteur d'expérience ne se limite pas à relever les anomalies visibles. Il met à profit ses connaissances et son expertise pour déceler les indices de problèmes potentiels, comprendre leurs causes possibles, évaluer leurs conséquences et orienter les clients vers les solutions appropriées. Notre conseil est simple : ne choisissez pas un inspecteur pour son prix, choisissez un professionnel d'expérience capable de vous expliquer réellement ce que vous achetez, les risques associés et les correctifs à envisager. Une bonne inspection peut faire toute la différence entre un achat éclairé et de mauvaises surprises coûteuses. »

Inspection DMI, written answer of October 29, 2026. Published word for word, in the original French.

Main clientele and what sets the company apart

« Depuis 2012, Inspection DMI accompagne les acheteurs et propriétaires immobiliers de la grande région de Québec et de Lévis. Que ce soit pour l'achat d'une première maison, d'une propriété ancestrale, d'un condo ou d'un immeuble à revenus, notre objectif demeure le même : offrir une inspection rigoureuse, des explications claires et des recommandations concrètes. Notre force réside dans l'expérience de nos inspecteurs, leur capacité d'analyse et leur compréhension approfondie des bâtiments. Nous ne cherchons pas simplement à dresser une liste de déficiences : nous aidons nos clients à distinguer les problèmes importants des éléments d'entretien courant, à comprendre les interventions nécessaires et à établir leurs priorités. Grâce à notre expertise en inspection et en expertise technico légale, nous accompagnons également les propriétaires confrontés à des infiltrations d'eau, des malfaçons, des vices cachés ou des litiges immobiliers. Choisir Inspection DMI, c'est choisir une équipe d'expérience qui met son savoir-faire au service de votre tranquillité d'esprit. Parce qu'en immobilier, ce que l'on ne voit pas peut parfois coûter très cher, et c'est précisément là que l'expérience d'un inspecteur prend toute sa valeur. »

Inspection DMI, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Québec: the figures

In Québec, the median value of a single-dwelling property (single-family house or condo) is $345,000 on the 2025-2027 assessment roll, across 132,559 units.
Québec's roll values reflect the market as of July 1, 2023: they are not current sale prices.
The welcome tax on a $345,000 purchase in Québec is $3,286 under Quebec's base schedule.
Québec's assessment roll applies to 2025, 2026 and 2027; the next roll takes effect in 2028.
To contest the current roll's assessment, the review request had to be filed before April 30, 2025, unless extended (late assessment notice); the next window closes on April 30, 2028.

Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec, CC BY 4.0). Payotte calculations. Understanding property assessment →

Frequently asked questions

Is Inspection DMI's AIBQ membership valid?

Inspection DMI declares membership no. 20762 of the AIBQ (Association des inspecteurs en bâtiments du Québec), held by its owner, Danny McNicoll. The AIBQ is a professional association, not a regulator: membership is not a licence. Payotte publishes no status for this membership: it can be checked in the AIBQ directory. In Quebec, starting October 1, 2027, pre-purchase inspectors must hold a certificate issued by the Régie du bâtiment du Québec (RBQ).

What areas does Inspection DMI serve?

Greater Québec City area, Lévis, Lotbinière, Bellechasse and surrounding municipalities, according to Inspection DMI's written statement of October 29, 2026. The office is located at 78, rue des Orchidées-Blanches, Québec (Québec) G2A 1E7.

What services does Inspection DMI offer?

Pre-purchase inspection of houses, condos and multi-unit buildings, Pre-delivery inspection of new homes, Pre-sale inspection and property health check, Technical and forensic building expertise, Expertise on latent defects, water infiltration and construction deficiencies, Infrared thermography inspection and Inspection of heritage residential buildings, as a home inspection company. Languages of service: French, English.

How long has Inspection DMI been practising?

Since May 2012, according to Inspection DMI's written statement. No Quebec register publishes the date an inspector started practising: that date can only come from the professional.

What is the median property value in Québec?

On Québec's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $345,000, across 132,559 units. These values reflect the market as of July 1, 2023, the roll's reference date, not today's sale prices. Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec).

How much is the welcome tax on a $345,000 property in Québec?

$3,286, under Quebec's current base schedule (0.5% up to $62,900, 1% up to $315,000, 1.5% above). The tax is computed on the highest of the price paid, the consideration and the assessed value multiplied by the municipality's comparative factor.

How can I reach Inspection DMI?

Inspection DMI can be reached by phone at (418) 554-6060 or by email at info@inspectiondmi.com. Services are offered in French and English. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

In Quebec City, Payotte also recommends home inspectors by area: see the experts in Quebec City.

Are you a professional? The AI Passport →

Display this Passport on a website

Code to paste into the HTML of a website, an "about" page or a signature. The badge links to this page.

PNG image of the badge, for Facebook, a Google profile or an email signature ↓

Show the HTML code (for your web developer)

<a href="https://payotte.com/en/passport/inspection-dmi-inspection-en-batiment-quebec" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/inspection-dmi-inspection-en-batiment-quebec.svg" alt="Payotte AI Passport — Inspection DMI, home inspection company in Québec" width="320" height="120">
</a>