Investment analyzer
The honest numbers on any Ontario property — cap rate, cash flow, break-even rent and a full ROI projection with IRR. Every assumption is editable, and the math is the same one our mortgage calculator uses.
Cap rate
3.64%
Net operating income ÷ price. Ignores your mortgage — it's the property's unleveraged yield.
Cash flow / mo
-$1,259
Net operating income minus mortgage payments, per month. Negative means the property costs you money monthly.
Cash-on-cash
-8.78%
Annual pre-tax cash flow ÷ cash invested (down payment + closing costs).
NOI / yr
$29,082
Effective gross income (rent less vacancy) minus operating expenses. Excludes the mortgage.
Break-even rent
$4,733
The monthly rent at which cash flow is exactly zero, given your vacancy, expenses and mortgage.
DSCR
0.66
Debt-service coverage: NOI ÷ annual mortgage payments. Lenders like ≥ 1.2.
Assumptions — edit anything
Value @ 10y
$1,075,133
Purchase price compounded at your appreciation rate.
Equity @ 10y
$604,571
Projected value minus the remaining mortgage balance.
Total profit
$264,658
Net sale proceeds + cumulative cash flow − your initial cash.
IRR
8.1%
Internal rate of return over the full cash-flow series, including the sale. The single best comparison number.
Estimates only — not financial, tax or investment advice. Defaults are illustrative starting points; edit every field to match your deal. Rent, appreciation and expenses are assumptions, not guarantees.
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