🆕 New: All Properties mode, your whole portfolio in one view🏢 Also new: duplex, triplex, fourplex modelingFor Canadian landlords building wealth through real estate

Real estate makes people wealthy. Most just don't know if the deal in front of them actually will.

See what a rental property will add to your wealth before you buy it, not the agent's numbers, not a guess.

From your next mortgage renewal to your 30-year outlook, Rental Analyst gives you the full financial picture, built specifically for how things work for landlords in Canada.

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. On a variable? Model it as ARM or FPV and see your trigger rate and negative amortization before it hits your balance. 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

All Properties Mode

New · Portfolio

See your whole portfolio in one view, not one property at a time.

Flip on All Properties mode from any tab and your Dashboard, 30-year projection, and Renewal planner stop showing one property at a time. They combine every property you've toggled on into a single view: one KPI grid, one 10-year chart, one wealth score.

The new Renewal Calendar lists every property's mortgage renewal, soonest first, so you always know what's coming next across your whole book. Payoff timeline is a genuine balance-weighted average across every property's own amortization, not just a guess from whichever one renews soonest.

Add a property or toggle one off from the Portfolio tab and every combined number updates instantly, so you always know how your whole position looks, not just one piece of it.

Properties combined
4
toggled on from your Portfolio tab
Combined monthly cash flow
$1,240
summed across all 4 properties
Weighted avg. rate
4.85%
balance-weighted across renewals
Upcoming renewals
184 Elm St
Soonest
Renews
Mar 2027
Rate
3.65%
22 Baywood Cres
Next
Renews
Aug 2028
Rate
4.20%
9 Concession Rd
Later
Renews
Jan 2030
Rate
4.85%

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 (now with ARM & FPV)

New · Investor

Model rate scenarios across renewals and see exactly how your cash flow changes at each term. Chain multiple terms in sequence. New: model adjustable-rate (ARM) and fixed-payment-variable (FPV) mortgages, with your trigger rate and any negative amortization tracked automatically.

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 (now with All Properties mode)

Portfolio

See your whole portfolio combined in one view: Dashboard, 30-year projection, and mortgage renewals all reflect your toggled-on properties together, not one at a time. New: Renewal Calendar shows every property's renewal sorted soonest first, with a genuine balance-weighted average payoff timeline across your whole portfolio. Add or remove a property and watch the combined numbers update instantly.

Renewing. Holding. Selling. Whatever's next

Model it before you decide. Not after.

Whether your mortgage is coming up for renewal, you're weighing whether to sell, or just want to know if your property is still pulling its weight. The investors who plan ahead already know their numbers at every rate and every scenario, before they need to.

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.

See all calculators →

Pricing

Early access pricing: 50% off your first 3 months.

Save up to 20%
FREE
Evaluate deals before you buy
$0
Always free
  • ✓Unlimited deal analysis
  • ✓Save and compare deals
  • ✓10 key metrics: DSCR, cap rate, cash flow, CoC
  • ✓10-year cash flow projection
  • ✓Monthly income and expense breakdown
  • ✓Mortgage payment split
  • ✓Deal School
  • ✓Live assumption controls on your dashboard: adjust rent growth, vacancy, and rate
Most popular
INVESTOR
Analyze and stress-test your properties
$15$7.50/mo
50% off your first 3 months
Then $179/yr — cancel anytime
  • ✓Everything in Free
  • ✓Renewal planner: model rates, payment impact, chain multiple terms
  • ✓Income & expense planner: model rent, other income, and expenses over time
  • ✓Payment shock analysis
  • ✓Scenario analysis and stress testing
  • ✓Scenarios engine — model holding, refinancing, or listing
  • ✓Mortgage renewal tracking
  • ✓New: ARM & FPV variable-rate modeler — trigger rate and negative amortization tracked automatically
  • ✓Rate Shock Simulator — slide your mortgage rate, watch every metric update instantly
  • ✓Live assumption controls on scenario analysis and stress testing
  • ✓New: duplex, triplex, and fourplex rent-roll modeling with per-unit vacancy, stress-tested through renewals and rate scenarios
PORTFOLIO
Track and optimise your full portfolio
$39$19.50/mo
50% off your first 3 months
Then $468/yr — cancel anytime
  • ✓Everything in Investor
  • ✓Full 30-year cash flow and equity projection
  • ✓Principal paydown trajectory and wealth chart
  • ✓Model renewal rates across the full 30-year horizon
  • ✓Portfolio aggregate metrics across all properties
  • ✓See how adding or removing a property impacts your portfolio
  • ✓Live assumption controls across 30-year projections and portfolio view
  • ✓Duplex, triplex, and fourplex rent-roll modeling across your entire portfolio
  • ✓New: Aggregate mode — see your 30-year projection and mortgage renewals combined across your whole portfolio, not just one property at a time
FeatureFreeInvestorPortfolio
Deal Analysis
Unlimited deal analysis
✓✓✓
Save and compare deals
✓✓✓
Compare saved deals side by side
✓✓✓
Deal School (guided tutorials)
✓✓✓
10-year cash flow projection
✓✓✓
Monthly income and expense breakdown
✓✓✓
Mortgage payment split
See how principal vs. interest shifts over the life of your mortgage
✓✓✓
Duplex, triplex, and fourplex rent-roll modeling, including house hacking
✗✓✓
Live Assumption Controls
Adjust rent growth, vacancy, mortgage rate, appreciation, expenses and hold period
✓✓✓
Assumption controls on scenario analysis and stress testing
✗✓✓
Assumption controls on 30-year projections and portfolio view
✗✗✓
Renewal and Rate Modeling
Renewal planner: model rates, payment impact, chain multiple terms
✗✓✓
Income & expense planner: model rent, other income, and expenses over time
✗✓✓
Payment shock analysis
✗✓✓
Scenario analysis and stress testing
✗✓✓
Scenarios engine — model holding, refinancing, or listing
✗✓✓
Mortgage renewal tracking
✗✓✓
ARM & FPV variable-rate modeler — trigger rate and negative amortization tracked automatically
✗✓✓
Rate Shock Simulator — live rate sensitivity on your property
✗✓✓
Portfolio and Wealth
30-year cash flow and equity projection
✗✗✓
Principal paydown trajectory
✗✗✓
Wealth trajectory chart
✗✗✓
Portfolio aggregate metrics
✗✗✓
See how adding a property impacts your portfolio
✗✗✓
See how removing a property affects your portfolio metrics
✗✗✓
Aggregate mode: combined 30-year projection and renewal calendar across your portfolio
✗✗✓

Canadian-specific features built in · Prices in CAD · Cancel anytime · Early access: 50% off first 3 months