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Investment Deal Analyzer — Ontario Rental Property Calculator | Matthew Gizzie
Interactive Tool · Ontario Edition

Investment Deal Analyzer Ontario Rental Properties

Evaluate any rental property deal against your investment strategy — including cash flow, equity build, and long-term ROI. Adjust the inputs and watch the results update in real time.

Estimates only — actual returns depend on market conditions, financing terms, and property performance.

Before You Run the Numbers — Strategy Matters

Not every deal is bad — some just don't match your strategy. A property that bleeds cash monthly can still build six-figure equity over a decade. A strong cap rate means nothing if your hold period is two years and transaction costs eat the margin. Select your strategy, and the analyzer will weight the verdict accordingly.

Property Type
Investment Strategy
Property
Purchase Price$650,000
$200K$1M$2M
Down Payment20% — $130,000
5%20%50%
Interest Rate5.25%
2.00%5.00%9.00%
Amortization
30-year amortization is typically available on uninsured mortgages. In this tool, insured (less than 20% down) is locked to 25 years. A longer amortization lowers monthly payment but increases total interest paid.
Closing Costs1.5%
%
Rents
Monthly Rent (total building)$2,500
$500$6K$12K
Vacancy Rate
%
Annual Rent Growth
%
Monthly Operating Expenses
Property Tax
$
Insurance
$
Utilities (owner-paid)
$
Maintenance
$
Property Management
$
Hold & Exit
Hold Period10 years
1 yr15 yr35 yr
Annual Appreciation
%
Annual Expense Growth
%
Selling Costs
%
Verdict · Appreciation & Equity
PASS — 6.57% annualized ROI, $247,790 wealth gain
Monthly Cash Flow
−$1,441
Cap Rate
3.09%
Cash-on-Cash (Yr 1)
-12.37%
Annualized ROI
6.57%
Monthly Breakdown
Effective Rent$2,425
Mortgage (P&I)$3,116
Operating Expenses$750
Year 1 Cash Flow (monthly)−$1,441
Year 1 Cash Flow (annual)−$17,293
Hold Period Summary
Initial Cash (Down + Closing)$139,750
Total Subsidies$138,879
Total Cash Outlay$278,629
Home Value (End)$962,159
Selling Costs$48,108
Mortgage Balance (End)$387,632
Net Proceeds from Sale$526,419
Cumulative Cash Flow−$138,879
Principal Paid (Hold)$132,368
Appreciation Gain$312,159
Net Profit (All-in)$247,790
Total ROI88.93%
Annualized ROI6.57%

Want a Deal Analysis for a Specific Property?

This calculator provides estimates. For a full pro forma analysis on a real listing — including rent comps, expense verification, financing strategy, and exit planning — I'll run the numbers the same way I run them on my own investments. No pressure, no obligation.

Book a Free Investor Consultation
📞 (289) 338-1433 | ✉ Matthew@meetmatthew.ca

Keep Researching — Investor Resources

Tools, market data, and guides to help you make smarter investment decisions across York Region and the GTA.

◆ Investor Hub Full investment services, perks, and strategy — from deal sourcing to close. ◆ Affordability Calculator See what you can qualify for at today's rates — including stress test and program savings. ◆ Rent vs. Own Calculator Compare the long-term financial outcome of renting versus buying in York Region. ◆ York Region Rental Market 2026 Current rent data across Newmarket, Aurora, Markham, and more — essential for rent comps. ◆ York Region Market Report 2026 Price trends, inventory levels, and appreciation data across York Region municipalities. ◆ Bill 23 — Impact on Investors How Ontario's housing legislation changes development charges, zoning, and investment opportunity. ◆ Provincial Planning Statement Guide What the PPS 2024 means for density, zoning plays, and long-term investment strategy. ◆ Pre-Construction Guide Buying new builds as an investor — assignment clauses, deposit structures, and builder incentives.

Disclaimer: This calculator provides estimates for planning purposes only. All figures assume specific rate, amortization, and down payment scenarios. Actual investment returns depend on market conditions, property performance, financing terms, tenant quality, and individual circumstances. CMHC mortgage insurance rates are approximate. Government programs and regulations are subject to change. The verdict and strategy feedback displayed are estimates based on simplified thresholds and do not constitute investment advice. Consult a licensed mortgage broker, accountant, and financial advisor before making investment decisions. Nothing on this page constitutes financial, legal, or investment advice.

Matthew Gizzie

Matthew Gizzie

Real Estate Professional

Keller Williams Realty Centers, Brokerage.

16945 Leslie Street unit 27-29, Newmarket, Ontario, L3Y 9A2

Matthew@meetmatthew.ca

(289) 338-1433

(905) 895-5972
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