Mortgage & Cash Flow Calculator
Canadian semi-annual compounding, itemized expenses, and Ontario land transfer tax — calculated correctly for investment properties.
Property Details
$800,000
20%
4.89%
25 yrs
Income & Expenses
$2,800
$6,720
$175
5%
5%
0%
Monthly Cash Flow
-$1,897
Negative — you'd need to cover the shortfall
Key Metrics
Cap Rate2.68%
Cash-on-Cash Return-12.97%
GRM23.8
Annual NOI$21,420
Total Interest Paid$464,689
Monthly Breakdown
Rental Income+$2,800
Mortgage Payment$3,682
Property Tax$560
Insurance$175
Maintenance (5%)$140
Vacancy (5%)$140
Cash Flow-$1,897
Total Cash Required
Down Payment$160,000
Ontario Land Transfer Tax$12,475
Legal, Title & Misc$3,000
Total Cash to Close$175,475
Ontario LTT only. Toronto properties have additional municipal LTT.
Canadian fixed-rate mortgage with semi-annual compounding. This calculator provides estimates for informational purposes only. Actual mortgage payments depend on your lender, credit score, and specific terms. Rental income estimates, cap rates, and cash flow projections are not guaranteed. Consult a licensed mortgage broker and financial advisor before making investment decisions.