{
  "version": "1.2.0",
  "chapters": [
    {
      "title": "- Introduction to CMHC ADU Refinance: Unlock 90% Financing for Secondary Suites\r",
      "startTime": 0,
      "endTime": 183.09
    },
    {
      "title": "- Key Rules: Loan Caps, Usage Restrictions, and Cost Cushions for Builds\r",
      "startTime": 183.09,
      "endTime": 325.09
    },
    {
      "title": "- Premiums Explained: Top-Up Fees vs. New Insurance and Amortization Benefits\r",
      "startTime": 325.09,
      "endTime": 472.09
    },
    {
      "title": "- Contractor Tips: Avoid Overpaying and Explore Underpinning Options\r",
      "startTime": 472.09,
      "endTime": 616.09
    },
    {
      "title": "- Conventional Financing for Rentals: Multi-Unit Strategies and Bylaw Navigation",
      "startTime": 616.09,
      "endTime": 655.41
    }
  ]
}