Investment modelling for Canadian real estate investors
Run the numbers on any Canadian rental property.
Before you buy. After you own it. When your mortgage renews.
Rental Analyst is an investment modelling tool built for self-directed Canadian real estate investors. Model deals, stress test scenarios, chain renewal terms, and see your 30-year wealth trajectory, all in one place.
Free to start · No credit card required · Built for Canadian investors
Sample deal analysis
47 Birchwood Cres, Hamilton ON
Monthly cash flow+$340
Cap rate5.2%
DSCR1.18
Cash-on-cash7.4%
Breakeven rate7.2%
10-yr equity built$187,400
● Deal pencils out, strong DSCR, positive CF
The market changed. Most investors didn't.
At the peak of the housing market, you didn't need to stress test. Appreciation covered every mistake.
That era is over. Investors who bought on appreciation thesis are now renewing into rates 3–4× higher than when they signed. The math that worked in 2021 doesn't work today, and most investors still haven't run the new numbers.
3–4×
Higher than when they signed
Renewal shock is already here. Model yours before your broker calls.
$1,109
Extra per month on a $500K mortgage
at today's rate vs peak. Most investors still haven't run this number.
400K+
Canadian investors renewing now
into rates they never stress tested. Are you one of them?
The investment modelling tool for self-directed Canadian real estate investors.
Not property management software. Not a rent tracker. Not a spreadsheet template. Rental Analyst models the financial reality of owning Canadian residential income properties, before you buy, while you own, and when you face decisions that cost you real money.
Built around the questions that actually keep you up at night
Six problems. One tool.
"Is this deal actually good or am I rationalizing it?"
The agent says the numbers work. The listing might show a cap rate — but it's calculated on asking price with optimistic expenses. You need to run it yourself, with your real mortgage rate, your real expenses, and your real vacancy assumption. The number that matters is the one you calculate, not the one on the sheet.
Deal Analyzer
Enter the asking price, rent, and mortgage details. Get cash flow, DSCR, cap rate, GRM, and stress test threshold in 30 seconds. Not the agent's numbers, yours.
"My mortgage renews in months. I have no idea what it does to my cash flow."
You signed at 2.1%. You're renewing at 5.5%. That's not a small adjustment. It could flip a cash-flowing property into one that costs you $800/mo. Most investors find out what their new payment is when they're already sitting in front of their broker.
Renewal Modeller
Chain multiple mortgage terms. See exactly what +1%, +2%, +3% does to your monthly cash flow. Model your next 3 renewals in sequence. Know your floor before your broker calls.
"What if rates spike again? Where do I actually break?"
You've stress tested nothing. Every assumption in your model is the optimistic one. If vacancy hits 10%, if a capex event lands, or if rates move another 150bps, you don't actually know what happens to your position.
Scenario Modeller
Sensitivity matrix, capex shock, vacancy impact, cash reserve runway. The exact rate at which your monthly cash flow turns negative. The scenarios that matter, modelled before they happen.
"Do I hold for a few more years or cut my losses and sell now?"
You're cash flow negative. Rates are still high. You bought on appreciation thesis and now you're subsidizing a tenant every month. Is the long-term equity worth it, or are you better off selling and redeploying the capital?
30-Year Projection + Scenarios
Model the hold scenario vs the sell scenario side by side. See cumulative cash flow, equity buildup, and total return over 10 and 30 years. Make the decision with data, not gut feel.
"I have no idea what this property is actually worth to me in 20 years."
Everyone talks about building wealth through real estate. Nobody shows you what that actually looks like in numbers. Year one cash flow is a small part of the picture. The real wealth is in equity, principal paydown, and compounding appreciation over decades.
30-Year Wealth View
Full 30-year projection: equity trajectory, cumulative cash flow, principal paydown, wealth chart. Model multiple renewal terms across the full horizon. See the compounding picture, not just year one.
"If I add a second property, does that strengthen or expose my position?"
You own one property. You're considering a second. But you don't know if adding it improves your aggregate cash flow, how it changes your total exposure, or whether the combined risk profile actually makes sense.
Portfolio View
Aggregate cash flow, DSCR, and equity across all your properties. Add a prospective deal and see the full portfolio impact before you commit. Understand your position as a whole, not property by property.
The feature that changes everything
Chained mortgage renewal modelling.
Most tools model one mortgage term. Rental Analyst lets you chain multiple renewal terms in sequence: model Term 1 at today's rate, Term 2 at your renewal estimate, Term 3 at a stress scenario, and see exactly how your cash flow and equity evolve across all of them.
Your renewal is the single most important financial event in your property's life. Model it before it happens, not when you're already sitting in front of your broker.
Term 3 · 2030 → 2033
Stress
Rate
4.50%
Monthly CF
-$890/mo
Term 2 · 2027 → 2030
Modelled
Rate
3.65%
Monthly CF
-$1,020/mo
Term 1 · 2024 → 2027
Active
Rate
4.84%
Monthly CF
-$805/mo
+ Add another term →
Rate Shock Simulator
Investor
Know your number before your lender does.
Slide your mortgage rate and watch every metric on your property update instantly. Cash flow, DSCR, breakeven occupancy, cash-on-cash return, and your 10-year projection chart. No spreadsheet. No manual recalculation.
Unlike a generic payment calculator, Rate Shock Simulator knows your rent, your expenses, your vacancy rate, and your mortgage balance. It models your specific deal, not an average one.
Past contracted payments stay anchored to your real terms. Only future projections shift. Nothing saves until you want it to. It is a pure what-if view, built for the question every renewing investor is asking right now.
Slide from 5.5% to 7%
Cash flow drops from -$62/mo to -$847/mo in under a second
Know your breaking point
"Your DSCR drops below 1.0× at 6.75%" — before renewal, not during it
Property-aware, not generic
Your rent, your expenses, your vacancy. Not an average property, yours.
Nothing saves until you want it to
Pure what-if view. Explore any scenario without touching your saved model.
The long game
Real estate is still the most accessible wealth-building vehicle for Canadians.
But only if you understand what you actually own. The investors who built lasting wealth through real estate didn't just buy and hope. They knew their DSCR, modelled their renewals, and stress tested before rates moved.
Year one cash flow is a small part of the picture. The real wealth is in 20 years of equity buildup, principal paydown, and compounding appreciation, modelled across every renewal term, not just today's rate.
Rental Analyst gives every self-directed investor the same analytical tools that institutional investors take for granted, without needing an analyst on call.
10-year cumulative cash flow
-$68,343
at current rate trajectory
10-year principal paid down
$50,328
equity built through mortgage payments
10-year appreciation (at 3%)
$137,566
projected value increase
Net wealth position at year 10
$119,551
CF + principal + appreciation
The full suite
Everything in one place.
Deal analysis is free. Advanced modelling requires an account.
Deal Analyzer
Free
Enter any property's numbers and get a complete investment analysis in 30 seconds. Cash flow, DSCR, cap rate, GRM, stress test threshold, and 10-year projection. Adjust rent growth, vacancy, and rate assumptions live and see the impact on your dashboard instantly.
Renewal Modeller
Investor
Model rate scenarios across renewals and see exactly how your cash flow changes at each term. Chain multiple terms in sequence.
Income & Expense Modeller
Investor
Record rent, expense, and income changes across your hold period. Values carry forward from your property details until an override takes effect.
Scenario Analysis
Investor
Hold vs sell vs refinance comparison. Model what each path looks like financially and see which decision makes sense given your numbers. Includes the Rate Shock Simulator — slide your mortgage rate and watch every metric update instantly. Includes live assumption controls across rent growth, expenses, mortgage rate, appreciation, vacancy, and hold period for sensitivity analysis.
30-Year Projection
Portfolio
Equity buildup, cumulative cash flow, principal paydown. Model appreciation and rent growth assumptions across the full horizon. Adjust rent growth, appreciation, expenses, and rate assumptions live and watch the 30-year model update in real time.
Portfolio View
Portfolio
Aggregate metrics across all your properties. Add prospective deals and model the portfolio impact before you sign anything. Model assumption changes across your full portfolio instantly.
If your mortgage is renewing in the next 18 months
Model it now. Not when your broker calls.
Hundreds of thousands of Canadian investors who bought or refinanced at the peak are renewing now, at rates they never stress tested. The ones who are prepared have already modelled multiple rate scenarios and know exactly what their cash flow looks like at 4%, 5%, and 6%.
Free to start · No credit card required
Built for the 1.2 million Canadians who own investment properties
1.2M+
Multiple-property owners across Ontario & BC
43%
Ontario condos owned as investments
$8.5T
Value of Canada's residential housing stock
Source: Statistics Canada, Canadian Housing Statistics Program (2022); National Balance Sheet Accounts Q4 2025.
Free tools, no account required
14 Canadian real estate calculators
Mortgage payments, cap rate, stress test, renewal impact, and amortization. No account needed.