Will the rent cover the full cost?
Test rental cash flow, then see what a higher rate or more vacancy would change. Save up to three named scenarios to compare.
Every starting amount is a fictional example, not a market estimate or financing offer. Replace the rent and costs with property-specific evidence.
1. Set the property assumptions
Market selection changes the context links, not your rent, tax or cost assumptions.
Operating costs and cash reserves
These example expenses are included in the result. Review every amount. Management is a share of rent after vacancy.
2. Read the monthly cash flow
Monthly cash shortfall under these assumptions.
- Rent after vacancy
- $3,040
- Operating costs incl. management
- −$1,043
- Capital reserve
- −$200
- Mortgage payment
- −$2,491
Break-even rent is arithmetic, not evidence that this rent is achievable or legally permitted. Upfront cash excludes extra working capital and immediate repairs.
Stress the same property
- Rate +1 percentage point
- -$950 / mo
- Vacancy +5 percentage points
- -$841 / mo
- Both changes together
- -$1,097 / mo
3. Keep a comparison for your next visit
Checking browser storage…
Up to three names. Saving an existing name replaces only that scenario. Restoring a scenario replaces the current draft.
Before relying on the result
Verify leases, achievable rent, tax bills, insurance quotes, repairs and financing with local professionals. Survey average rents are not asking rents or evidence for this property. Mortgage eligibility, rental rules, income taxes, resale and appreciation are not modelled.
Calculation method and scope
Collected rent = gross rent × (1 − vacancy). Monthly NOI (net operating income) subtracts property tax, insurance, condo fees, owner utilities, routine maintenance and management from collected rent. Annual NOI is monthly NOI × 12. Cap rate = annual NOI ÷ price. Capital-replacement reserves and financing are excluded from NOI and cap rate, but deducted from cash flow. This is a planning convention, not taxable income.
The mortgage uses monthly payments and semi-annual compounding at a constant entered rate, on price minus down payment. Insurance premiums and lender fees are excluded. A lender must confirm rental-property terms, required equity and compounding. Stress cases recalculate payments at the higher rate; they are not a renewal forecast.
FCAC mortgage calculatorMethod reviewed September 6, 2026. Scenario values are your assumptions; context links do not refresh them automatically.