Investor tool · Free
Calgary deal analyzer.
Run cash flow, cap rate, cash-on-cash return, and break-even rent on any property. Monthly cash flow shows for everyone — investor-grade metrics unlock when you create a free account.
Deal inputs
Defaults to Calgary 2026 baselines. Maintenance (1%/yr), CapEx reserve (0.5%/yr), insurance ($80/mo) included automatically — talk to us to override for a specific property.
Monthly cash flow
−$1,936 / month
Negative cash flow at these assumptions — you'd be feeding it monthly.
- Mortgage P+I
- $3,436/mo
- Operating expenses
- $1,255/mo
- Effective rent (after vacancy)
- $2,755/mo
- Down payment
- $140,000
Investor metrics
Cap rate
2.57%
Cash-on-cash
-16.59%
GRM
20.1
Break-even rent
$4,937
Cap rate · Cash-on-cash · GRM · Break-even rent
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Sign up — it's freeEstimates only. Cap rate excludes financing; cash-on-cash uses your specific down payment + cash flow. Real numbers depend on lender terms, condition reports, and current market rents — talk to us before committing.
How to read the numbers
- Monthly cash flow. Rent minus everything (mortgage + tax + insurance + maintenance + CapEx reserve + vacancy). Positive = the property pays you. Negative = you feed it.
- Cap rate. NOI ÷ price. Ignores financing. Compare across deals at the same financing-neutral level. Calgary multi-family typically 4-6% on stabilized property.
- Cash-on-cash.Annual cash flow ÷ down payment. Tells you the actual return on the money you put down. 5-12% is healthy for Calgary buy-and-hold; lower if you're also playing appreciation.
- Break-even rent.The minimum monthly rent for zero cash flow at these assumptions. If your tenant is paying above this, you're positive.