Property ROI Calculator
Calculate your rental property's return on investment with Canadian-specific metrics including cash flow, cap rates, and total returns.
Purchase Details
Rental Income
Annual Operating Expenses
Financing
Investment Assumptions
Expected annual property value increase
Key Investment Metrics
Cash-on-Cash Return-4.26%
Cap Rate5.00%
Total ROI (incl. appreciation)10.02%
Monthly Cash Flow$-373
Financial Summary
Total Cash Investment$105,000
Loan Amount$400,000
Monthly Mortgage Payment$2456
Gross Annual Income$34200
Operating Expenses$9200
Net Operating Income (NOI)$25000
Annual Debt Service$29476
Annual Cash Flow$-4476
Actions
💡 Investment Tips
- • Cash-on-Cash Return > 8% is generally considered good
- • Cap Rate > 6% indicates a solid investment in most markets
- • Positive monthly cash flow provides income stability
- • Factor in 5-10% for vacancy and maintenance reserves
- • Consider professional property management for hands-off investing
📊 How We Calculate
Net Operating Income (NOI):
Gross Income - Operating Expenses (excludes mortgage)
$34200 - $9200 = $25000
Cash Flow:
NOI - Annual Debt Service
$25000 - $29476 = $-4476
Cash-on-Cash Return:
(Annual Cash Flow ÷ Total Cash Investment) × 100
($-4476 ÷ $105000) × 100 = -4.26%
Cap Rate:
(NOI ÷ Purchase Price) × 100
($25000 ÷ $500000) × 100 = 5.00%
Total ROI:
Includes cash flow + 3% appreciation
Cash Flow + $15000 appreciation