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Rental Property Cash Flow Calculator
Estimate monthly cash flow and annual ROI for a Ontario rental property using standard mortgage and underwriting assumptions. Use conservative numbers for vacancy and maintenance.
Purchase & Financing
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Rental Income & Expenses
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Your Results
Monthly Cash Flow
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Annual Cash Flow
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Total Cash Invested
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Annual ROI (Cash-on-Cash)
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Notes: Vacancy typically 3%–6% in Ontario. This model does not include appreciation or principal paydown. ROI is cash-on-cash only.
- Budget maintenance conservatively for older properties.
- Consider stress-testing with a higher mortgage rate (+1–2%).
- This calculator is for information purposes only; results may vary.
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Frequently Asked Questions
Common questions about rental cash flow and landlord insurance.
Cash-on-cash return (or cash-on-cash ROI) is the annual cash flow from the property divided by the total cash you invested (down payment plus closing costs). It shows the return on the actual money you put in, before tax and appreciation.
Vacancy rate accounts for periods when the property is empty between tenants. In Canada, 3%–6% is typical depending on the market. Using a conservative vacancy assumption in your cash flow estimate helps avoid overstating returns.
Landlord or commercial property owners insurance typically covers the building, loss of rental income if the property is uninhabitable, and liability to tenants and visitors. It differs from standard home insurance, which usually does not cover rental use.
Monthly cash flow is rental income minus all operating expenses and mortgage payments. It is the cash left in your pocket each month. Profit (for tax purposes) also factors in non-cash items like depreciation and principal paydown.
You can use it for a single unit by entering the total rent and expenses for that unit. For a multi-unit building, sum the rent and allocate expenses (tax, insurance, maintenance) across units, or run the calculator once per unit and add results.
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