Practical guides on deal analysis, mortgage math, and building wealth through Canadian real estate.
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Canadian CPI peaked at 6.8% in 2022 and sits near 2.4% in 2026. Here is how inflation moves deal metrics and exactly how to model rate, rent, and expense scenarios in Rental Analyst.
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The Bank of Canada is holding at 2.25%. Fixed rates are rising. Here is what the rate environment means for investors renewing, buying, or stress-testing a deal in 2026.
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CMHC's 2025 Rental Market Report shows vacancy rising and rent growth slowing across major cities. Here is what it means for investors modeling rent assumptions.
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Everything you need to buy your first rental property in Canada — how to evaluate a market, run the numbers, finance the deal, and avoid the mistakes most first-timers make.
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A numbers-driven comparison of Alberta and Ontario rental investment: rent control, vacancy rates, property taxes, land transfer tax, capital gains, and how to model a deal in either province.
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A practical guide to sizing a cash reserve for Canadian rental investors: what to hold, what it covers, and how to model the right number for your property.
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A complete walkthrough of every field in the Analyze a Deal page: what to enter, how the live calculator works, and how to save a property to your dashboard. Free, no account needed to start.
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Ontario's 2026 rent increase guideline is 2.1%, the lowest in four years. Here is what that cap means when costs are rising faster, which units are exempt, and how to model the gap.
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Millions of Canadian landlords locked in at pandemic-era rates are renewing at 4-5%+ in 2025 and 2026. Here is what the payment shock looks like on a real Hamilton duplex and what to do before your letter arrives.
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A complete walkthrough of every section of the Dashboard — RA Score, KPI tiles, cash flow projection, time travel, monthly breakdown, and renewal planning — with a Toronto condo case study.
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A complete walkthrough of the Portfolio tab — aggregate metrics, scenario impact panel, renewal tracking, and how to model a prospective acquisition against your existing portfolio.
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A complete walkthrough of the 30-Year View tab — wealth trajectory chart, KPI cards, year-by-year breakdown table, and assumption overrides — with a Kitchener duplex case study.
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A step-by-step tutorial using the Scenarios tab in Rental Analyst, with a Hamilton semi-detached case study and all the numbers walked through in detail.
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Payment shock, fixed vs variable, break-even rate — renewals hit small investors hard. Here is how to model every scenario before you sign.
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Most property owners approach renewal passively and leave money on the table. Here is exactly what to do and when.
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The STR pitch focuses on gross revenue. The actual comparison comes down to net cash flow after expenses. Here are the numbers.
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Real cash flow analysis of Ontario duplex buying across Hamilton and Toronto price points. What to verify before you make an offer.
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Three metrics, three different questions. How to use each one correctly and why you need all three for a complete deal analysis.
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DSCR thresholds Canadian lenders actually use, how to calculate it correctly, and what to do when your number is too low.
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The minimum rules, what closing costs actually add up to in Ontario, and how your down payment size changes your returns.
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Most first-time investors are waiting based on a feeling. These five calculations tell you whether a specific deal works right now — at today's price and today's rates.
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The market has shifted and your mortgage is renewing at a higher rate. A clear framework for running the hold vs sell vs refinance analysis on your own numbers.
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Millions of Canadians are renewing mortgages locked in at 2020-2022 rates. Here is what the payment shock actually looks like — and what to do before you sign.
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A complete walkthrough of the five metrics every Canadian investor should calculate before making an offer — with the correct Canadian mortgage math.
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