Rental Investment Analyzer

Deal Basics

Property Type

Province

Deal Type

Purchase Price

Hold Period (Years)

Quick mode focuses on current-year deal health. Pro mode adds projections, exit snapshot, and refinance modeling.

Rent & Income

Monthly Market Rent (Total)

Other Monthly Income

Vacancy Allowance (%)

Annual Rent Growth (%)

Operating Expenses

Simple

Detailed

Property Taxes (Annual)

Insurance (Annual)

Condo Fees (Monthly)

Utilities Paid by Owner (Monthly)

Maintenance Reserve (% of gross rent)

Repairs/CapEx Reserve (% of gross rent)

Property Management (% of collected rent)

Simple mode uses % reserves on gross rent (maintenance + CapEx). Detailed mode lets you enter explicit annual amounts and utility splits.

Financing

Down Payment $

Down Payment %

Down Payment ($)

Interest Rate (%)

Amortization (Years)

Payment Frequency

Upfront Financing Fees (Total)

Accelerated payments are based on the monthly payment divided by 2 (accelerated biweekly) or 4 (accelerated weekly), which typically shortens amortization.

Closing Costs & Initial Cash Invested

Land Transfer Tax

Legal & Disbursements

Home Inspection

Title Insurance

Other Closing Costs

Initial Repairs/Reno Budget

Furniture/Setup (Optional)

Sensitivity & Stress Tests

Rate Shock (+%)

Rent Drop (−%)

Vacancy Shock (+%)

Assumptions & Disclaimers

Educational illustration only. Not mortgage approval, tax advice, or financial advice. Inputs and assumptions materially affect results; lender policies vary, including rental income treatment and allowable financing of costs.

This calculator provides estimates based on user inputs and generalized assumptions. Actual rent, expenses, financing terms, qualification rules, and lender policies can differ significantly and change over time. Consult qualified professionals before making decisions.

Deal Scorecard

Investor Profile

Monthly Cash Flow

Annual: $0

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NOI (Annual)

EGI: $0

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Cap Rate

0.00%

Price: $0

—

DSCR

0.00

Debt svc: $0/yr

—

Cash-on-Cash

0.00%

Cash in: $0

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Break-even Rent

—

Overall Deal Assessment

Profile: Balanced • Score: 0 / 10

⚠ Risk Indicators

No major flags detected under your current assumptions.

Cash Flow Breakdown

Current-year estimate

EGI$0

Operating Expenses$0

Debt Service$0

Annual Cash Flow$0

Mortgage payment is calculated from rate, amortization, and frequency (accelerated schedules use the monthly payment divided across periods).

Stress Test Summary

Base vs shocks

Scenario	Monthly Cash Flow	DSCR	Break-even Rent

Deal Scorecard

Cash Flow Breakdown

Wealth Builder (Hold Period)

Exit Snapshot (End of Hold)

Stress Test Summary

Refinance Snapshot

Projected Sale Price	$0
Selling Costs	$0
Remaining Mortgage Balance	$0
Estimated Net Sale Proceeds	$0
Cumulative Cash Flow (Hold)	$0
Total Cash Returned	$0
Total Profit (vs cash invested)	$0

Refi Year Value (projected)	$0
Max Mortgage @ LTV	$0
Balance at Refi	$0
Refi Costs	$0
Estimated Net Cash-Out	$0