Rental Property Analyzer

Cash flow, cap rate, cash-on-cash and 10-year projections.

Also available as an Excel template — $9

One-time purchase · 1 download · works in Excel and Google Sheets. Sample data below is not saved.

NameMy saved items

Purchase & financing

Purchase price

Down payment

Closing costs

Renovation costs

Mortgage rate

Amortization

yrs

Rental income

Monthly rent

Other monthly income

Vacancy allowance

Operating expenses

Property tax (per year)

Insurance (per year)

Condo fees (per month)

Property management

Maintenance allowance

Utilities (per month)

Other expenses (per month)

Monthly cash flow

$191

Annual cash flow

$2,297

Cap rate

5.3%

Cash-on-cash return

1.3%

Gross rental yield

9.0%

Net rental yield

5.3%

Monthly NOI

$2,428

Cash invested

$179,000

Debt service coverage (DSCR)

1.09

Break-even occupancy

92.3%

Monthly breakdown

Gross rental income$4,100
After vacancy allowance$3,977
Property tax−$317
Insurance−$125
Condo fees−$350
Property management−$239
Maintenance−$458
Utilities−$60
Other−$0
Net operating income$2,428
Mortgage payment−$2,237
Monthly cash flow$191

10-year projection

Assumes 2% rent growth and 3% appreciation

After 5 years

Estimated property value$637,601

Estimated equity$295,844

Cumulative cash flow$17,429

After 10 years

Estimated property value$739,154

Estimated equity$452,866

Cumulative cash flow$50,642

Figures are before income tax and use standard industry formulas with the assumptions you entered. They are estimates, not a valuation or a recommendation to purchase.

This platform provides financial planning tools and calculations for informational and educational purposes only. It does not provide financial, investment, tax, legal or mortgage advice. Results are based on user-provided information and assumptions. Contribution limits, tax rates and regulatory parameters reflect the rules in effect as of the latest update (2026) and may change; always verify official amounts with the CRA or a licensed professional.