Is this rental actually a deal?
Run any Canadian rental through the numbers lenders and seasoned investors use — cap rate, cash flow, cash-on-cash, DSCR and break-even rent — and get a straight Buy, Borderline or Walk. Pre-filled with today’s best 5-year fixed from our lender feed (4.24%) — change anything.
The fine print, honestly. Cap rate = NOI ÷ price. Cash-on-cash = annual cash flow ÷ cash invested (down payment + closing). DSCR = NOI ÷ mortgage payment; most lenders want 1.20+. Management, maintenance and vacancy percentages apply to rent. Buy = positive cash flow and DSCR 1.20+; Borderline = cash-flows but DSCR under 1.20; Walk = negative cash flow. These are estimates using standard Canadian lending rules (semi-annual compounding, CMHC premium tiers, GDS 39% / TDS 44%, the OSFI stress test). Lender policies, your credit profile and property details can change the picture — that’s the part a conversation covers.
Let’s make your mortgage make sense.
Numbers are a starting point. When you want them turned into a plan, start with a conversation. No pressure. No mortgage-speak.
Let’s Talk MortgageYour mortgage questions live here.
Whether you’re buying, renewing, refinancing or simply trying to make the numbers behave, start with the service—or the Alberta community—that feels most like home.