Once you own more than one or two rental properties, a new problem shows up that single-property tools were never built to solve: your mortgages do not all renew on the same schedule, your cash flow moves at different rates across properties, and there is no single number that tells you where the whole portfolio is actually headed.
Most landlords in this position end up running their portfolio in their head, or in a spreadsheet that gets stale the moment one property's numbers change.
Aggregate mode is built to close that gap. Instead of clicking into each property one at a time, it combines every property you toggle on into a single 30-year projection and a single renewal view.
What Aggregate Mode Actually Does
Aggregate mode is a Portfolio-tier toggle. Flip it on and two views change to reflect your whole portfolio instead of one property:
- The 30-Year Projection combines every toggled-on property's wealth trajectory, cash flow, and equity into one chart, rather than making you add up separate per-property projections by hand.
- The Renewal Calendar lists every property's upcoming mortgage renewal across your whole portfolio, soonest first, so you can see what is coming without opening each property individually.
A Worked Example
Take an illustrative three-property portfolio: a Hamilton duplex renewing in 8 months, a Kitchener single-family rental renewing in 2 years, and a Toronto condo renewing in 3 years. Each property has a different rate, balance, and cash flow profile.
| Property | Monthly cash flow | Renewal |
|---|---|---|
| Hamilton duplex | +$410 | 8 months |
| Kitchener single-family | +$95 | 2 years |
| Toronto condo | -$260 | 3 years |
| Combined portfolio | +$245/mo | Hamilton first, 8 months out |
Without an aggregate view, you would need to hold all three of these numbers in your head at once, and remember which renewal is coming soonest, to know what to prepare for next. With Aggregate mode on, the combined cash flow and the soonest renewal are both immediately visible. These figures are illustrative and simplified for the example.
Why This Matters More Than a Per-Property View at Scale
A single property's 30-year projection tells you whether that one deal works. Once you own several, the more useful question becomes whether your entire portfolio, taken together, is moving in the direction you want. A property with negative cash flow can still make sense as part of a portfolio that is strongly cash flow positive overall, and a strong renewal coming up on one property does not help if a much larger renewal is about to hit another.
The Renewal Calendar exists specifically for that second problem. Landlords with several mortgages are frequently surprised by a renewal they had not been tracking closely, simply because their attention was on a different property at the time. A combined, sorted view removes that blind spot.
How to Turn It On
Aggregate mode lives in the Portfolio tab as a toggle. Turning it on does not change any individual property's numbers, it only changes how the 30-Year Projection and Renewal Calendar are displayed, combining every property you have toggled on into one view. You can add or remove properties from the combined view at any time to see how it changes your totals.
If you have not yet set up your Portfolio tab, start with how to use the Portfolio tab to track your properties individually first.
See your whole book, not one property at a time
Turn on Aggregate mode
Combine every property's 30-year trajectory and renewal date into one view. Available on the Portfolio tier.
This post is for informational purposes only and does not constitute financial, legal, mortgage, or tax advice. The worked example uses composite, illustrative figures, not real properties. Consult a qualified professional before making any investment decision.