Model a rental property like an investor: year-by-year cash flow, expenses, mortgage paydown, equity growth and an optional sale scenario over 5–25 years.
Assumptions effective 2026-01-01. Regulatory figures (stress-test rules, down-payment brackets, CMHC tiers, rebates) are managed in Admin → Calculators.
Answers to common questions about the rental investment forecast
Investors often target positive cash flow after all expenses including vacancy and maintenance allowances — not just mortgage vs rent. This forecast includes the full expense picture.
Run it both ways. Cash flow tells you if the property sustains itself; appreciation drives most long-term returns in Canadian markets. The sale scenario separates the two.
Calculations use current Canadian mortgage rules, including the mortgage stress test and CMHC insurance tiers. For informational purposes only — not financial advice. Confirm details with your mortgage professional before making decisions.
| Year | Rent | Mortgage | Principal | Expenses | Net CF | Cumulative | Prop Value | Equity |
|---|---|---|---|---|---|---|---|---|
| Yr 1 | $30,000 | $35,371 | $9,201 | $11,000 | $-16,371 | $-16,371 | $624,000 | $153,201 |
| Yr 2 | $30,600 | $35,371 | $9,720 | $11,066 | $-15,837 | $-32,209 | $648,960 | $187,881 |
| Yr 3 | $31,212 | $35,371 | $10,268 | $11,133 | $-15,293 | $-47,502 | $674,918 | $224,108 |
| Yr 4 | $31,836 | $35,371 | $10,848 | $11,202 | $-14,737 | $-62,239 | $701,915 | $261,952 |
| Yr 5 | $32,473 | $35,371 | $11,459 | $11,272 | $-14,171 | $-76,409 | $729,992 | $301,488 |
| Yr 6 | $33,122 | $35,371 | $12,106 | $11,343 | $-13,592 | $-90,002 | $759,191 | $342,794 |
| Yr 7 | $33,785 | $35,371 | $12,789 | $11,416 | $-13,003 | $-103,005 | $789,559 | $385,950 |
| Yr 8 | $34,461 | $35,371 | $13,510 | $11,491 | $-12,402 | $-115,406 | $821,141 | $431,043 |
| Yr 9 | $35,150 | $35,371 | $14,272 | $11,566 | $-11,788 | $-127,194 | $853,987 | $478,161 |
| Yr 10 | $35,853 | $35,371 | $15,077 | $11,644 | $-11,162 | $-138,357 | $888,147 | $527,398 |