What is Realty Cash Flow?

Realty Cash Flow manages 5 data types including property calculations. Helps you organize, track, and share your work in 1 place for teams and solo users.

How do I calculate cash flow on a rental property in Canada?

Cash flow = Monthly Rent × (1 - Vacancy Rate) minus all monthly expenses: mortgage payment, property tax, insurance, property management, maintenance, utilities, and HOA fees. A positive number means the property earns more than it costs each month.

What is a good cash-on-cash return for a Canadian rental property?

In Canada, a cash-on-cash return of 5–8% or higher is generally considered good for a rental property. This measures your annual cash flow as a percentage of the cash you invested (down payment + closing costs).

What is cap rate and how is it calculated?

Cap rate (capitalization rate) = Net Operating Income (NOI) ÷ Property Purchase Price × 100. NOI is annual rent minus all operating expenses, excluding mortgage. A higher cap rate generally indicates better returns relative to purchase price.

How much down payment do I need for an investment property in Canada?

In Canada, investment properties typically require a minimum 20% down payment. For properties over $1 million, the full amount must be conventional financing. Some investors use a HELOC on their primary home to fund the down payment.

What expenses should I include in a rental property cash flow calculation?

Include: mortgage payment, property tax, property insurance, property management fees (typically 8–10% of rent), maintenance and repairs (budget 1–2% of property value annually), utilities paid by landlord, vacancy allowance (typically 3–5%), and any HOA/condo fees.

Realty Cash Flow Calculator

Cash Flow

-$1,190

Cap Rate

3.0%

Real Estate Cash Flow Calculator

Analyze rental property investments with detailed cash flow projections and key financial metrics

Property Details

Property Name / Street Address

Purchase Price

City

Province

Rental Income

SimpleMore Options

Monthly Rent

Down Payment: 20%$130,000

Mortgage Interest Rate

Mortgage Amortization (Years)

Fund Down Payment with a Loan (ie. HELOC)

NoYes

Fund Closing Costs with Loan (ie. HELOC)

NoYes

Monthly Expenses

Annual Property Tax

Tax paid to the local government annually.

$333/month

Annual Property Insurance

Insurance to protect the property structure.

$1800/year

$150/month

5% of annual rent

Property Management

Fee for managing the property and tenants.

$2880/year

$240/month

8% of rent

Maintenance & Snow/Lawn

Routine upkeep, lawn care, and snow removal.

$900/year

$75/month

2.5% of rent

Monthly Repairs

Budget for unexpected repairs (e.g., appliances).

Monthly Utilities

Owner-paid utilities (e.g., water, trash).

Monthly HOA Fees

Homeowners' association fees, if applicable.

Vacancy Rate

Estimated percentage of time the property is vacant.

Cash Flow Analysis

Monthly Cash Flow

-$1,190

Negative

-9.55%

Cash-on-Cash Return

-$14,278

Annual Cash Flow

2.96%

Cap Rate

Monthly Breakdown

Rent Income+$3,000

Mortgage (P&I)-$2,791

Property Tax-$333

Property Insurance-$150

Property Management-$240

Maintenance & Snow/Lawn-$75

Repairs-$150

Utilities-$300

Vacancy Loss-$150

Net Cash Flow-$1,190

What-If Scenarios

Rent Variation

Amount to vary monthly rent by

Price Variation

Amount to vary purchase price by

Rent Scenarios

Rent -$200

-$1,349

Base Case

-$1,190

Rent +$200

-$1,031

Price Scenarios

Price -$20,000

-$1,104

Base Case

-$1,190

Price +$20,000

-$1,276

Key Insights

•A $200 change in monthly rent changes cash flow by approximately $159
•A $20,000 change in purchase price changes cash flow by approximately $86

Want deeper insights?

View detailed matrix analysis with comprehensive scenario combinations to stress-test your investment.

Long-Term Return Analysis

Analysis Horizon

Select the investment period to analyze.

Appreciation Rate

ManualAuto

No appreciation data available for this city. Consider manual input. 4% annually will be used as default.

Selling Costs on Sale5%

The estimated percentage of the sale price that will go towards realtor commissions and closing costs.

Est. Cost on Future Sale: $39,541

Total Profit

$52,885

Simple ROI

35.37%

Annualized ROI

6.24%

Total Appreciation

21.67%

Return Breakdown at 5 Years

Starting Equity (Upfront Cash)-$149,500

Cumulative Cash Flow (5 yr)-$71,388

Principal Paydown$42,491

Appreciation Gain$140,824

Selling Costs-$39,541

Total Profit on Sale$52,885

Sale Calculation at 5 Years

Projected Sale Price$790,824

Remaining Mortgage-$477,509

Selling Costs-$39,541

Net Proceeds Before Cash Flow$273,774

Want deeper insights?

Explore year-by-year cash flow breakeven, rent escalation paths, HELOC paydown modeling, and granular profit timelines.

AI Summary & Verdict

Get a holistic AI analysis of this deal based on both short and long-term performance.

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This tool is for educational use and not investment advice.