Potential Investment Performance
Cumulative ROI
87.1%
Cumulative Market Appreciation
$170,438
Net Operating Income in Year 5
$17,117
Cash on Cash Return in Year 5
-9.2%
Assumptions
The information below is based on user inputs and general assumptions for informational purposes only. The outputs are not legal, financial, investment, or other advice. Review all fields for accuracy and consult an agent for guidance.
Mortgage Calculator
| Mortgage | |
|---|---|
| Purchase Price | $ |
| Down Payment % | $123,380 |
| Mortgage Amount | $493,520 |
| Mortgage Payment % | $2,560 |
Cash Flow Calculator
monthly
yearly
| Income | |
|---|---|
Gross Rental Income | $ |
| Vacancy Rate % | $ |
| Other | $ |
| Gross Operating Income | $1,844 |
| Operating Expenses | |
| Management Fees % | $ |
| Property Tax | $ |
| Repair Reserve % | $ |
| Insurance | $ |
| Condo/Strata Fees | $ |
| Total Operating Expenses | $699 |
| Net Operating Income | $1,145 |
| Debt Service | |
| Mortgage Payment | $2,560 |
| Net Cash Flow | -$1,414 |
Acquistion Costs
Deposit $61,690
Land Transfer Tax $10,338
Legal Fees $1,500
Adjustments $0
Development Charges $15,000
Down Payment Balance $61,690
Total Acquisition Costs $150,218
Deposit Schedule
With the Offer $0
Deposit @ 180 days $30,845
Total Deposit $61,690
Closing Date Jan 1, 2028
Components of Return
Potential Returns
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Investments | ||||||||||
| Deposits | $61,690 | - | - | - | - | - | - | - | - | - |
| Closing Costs | - | - | $88,528 | - | - | - | - | - | - | - |
| Mortgage Paydown | - | - | $4,435 | $7,891 | $8,271 | $8,668 | $9,085 | $9,522 | $9,979 | $10,459 |
| Total | $61,690 | $0 | $92,963 | $7,891 | $8,271 | $8,668 | $9,085 | $9,522 | $9,979 | $10,459 |
| Cash Invested | $61,690 | $61,690 | $154,653 | $162,545 | $170,816 | $179,484 | $188,570 | $198,092 | $208,071 | $218,531 |
| Rental Cash Flows | ||||||||||
| Rent and other income | - | - | $12,914 | $22,694 | $23,670 | $24,688 | $25,749 | $26,857 | $28,012 | $29,216 |
| Operating Expenses | - | - | -$4,894 | -$8,516 | -$8,735 | -$8,960 | -$9,192 | -$9,430 | -$9,676 | -$9,930 |
| Mortgage Payment | - | - | -$17,924 | -$30,728 | -$30,728 | -$30,728 | -$30,728 | -$30,728 | -$30,728 | -$30,728 |
| Net Cash Flow | - | - | -$9,904 | -$16,549 | -$15,792 | -$15,000 | -$14,170 | -$13,301 | -$12,392 | -$11,441 |
| Returns | ||||||||||
| Property Price Appreciation | $30,845 | $32,387 | $34,006 | $35,706 | $37,492 | $39,366 | $41,335 | $43,402 | $45,572 | $47,850 |
| Mortgage Paydown | - | - | $4,435 | $7,891 | $8,271 | $8,668 | $9,085 | $9,522 | $9,979 | $10,459 |
| Net Cash Flow | - | - | -$9,904 | -$16,549 | -$15,792 | -$15,000 | -$14,170 | -$13,301 | -$12,392 | -$11,441 |
| Total Return | $30,845 | $32,387 | $28,537 | $27,048 | $29,970 | $33,035 | $36,250 | $39,622 | $43,158 | $46,868 |
| Cumulative Return | $30,845 | $63,232 | $91,769 | $118,818 | $148,789 | $181,824 | $218,074 | $257,697 | $300,855 | $347,724 |
| Investment Metrics | ||||||||||
| Cumulative ROI | 50.0% | 102.5% | 59.3% | 73.1% | 87.1% | 101.3% | 115.6% | 130.1% | 144.6% | 159.1% |
| Cash On Cash | - | - | -6.4% | -10.2% | -9.2% | -8.4% | -7.5% | -6.7% | -6.0% | -5.2% |
