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How much of that $13k is down payment vs refundable security deposit? Not sure if the laws are different in Canada, but in the US if your lease is stolen or it's totaled in an accident, you get 0% of your down payment back. (If you have adequate gap insurance, you should get all your security deposit money back though.) I never offer more than one month's payment as a down payment on a lease to avoid the risk.
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