Ontario Investment Profitability Calculator

Estimate cash flow, cap rate, DSCR, cash-on-cash return, and multi-year profitability (with Ontario + optional Toronto LTT)

Purchase Price

$0 $900,000 $10M+

Down Payment (%)

0% 25% 100%

Mortgage Interest Rate

0% 5.25% 20%

Amortization Period

Monthly Rent (Gross)

Vacancy Rate (%)

Property Tax (Annual)

Insurance (Monthly)

Condo Fees (Monthly)

Maintenance Reserve (% of Rent)

Property Management (% of Rent)

Holding Period (Years)

Appreciation (% / year)

Selling Costs (% of Sale Price)

Toronto Property (Municipal LTT Applies)

Other Closing Costs (% of Price)

Monthly Performance

Gross Rent $4,200

Effective Rent (after vacancy) $4,074

Operating Expenses $1,270

NOI (Net Operating Income) $2,804

Mortgage Payment $3,658

          Monthly Cash Flow
          -$854
        

DSCR (NOI ÷ Debt Service) 0.77

Returns & Ratios

Cap Rate (NOI ÷ Price) 3.74%

Cash Invested (Est.) $270,000

Cash-on-Cash (Annual) -3.80%

Upfront & Exit Estimate

Ontario Land Transfer Tax $14,475

Other Closing Costs (Est.) $9,000

          Total Upfront Cash (Est.)
          $293,475
        

Estimated Sale Price (end of hold) $1,069,000

Estimated Mortgage Balance (approx.) $615,000

Selling Costs $53,450

          Estimated Total Profit (simple)
          $38,200
        

Important Disclaimer

Estimates only. This tool does not include income taxes, HST implications, rent controls, lender qualification rules, vacancy/repair variability, or property-specific adjustments. Use a mortgage professional and real estate lawyer for exact numbers.

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