Separate rental income from the full economics of owning a property.
Directory open. Calculators in development. The links below connect published topic directories. Calculator pages are linked below and clearly marked as in development until their working tools are ready.
What this directory covers
A rental-property comparison needs to distinguish gross rent, operating cash flow, financing, tax and a possible future sale. A favourable gross yield can hide vacancy, repairs, transaction costs or an expensive refinancing assumption.
Information to gather
Gather rents, recurring operating expenses, vacancy assumptions, financing terms, acquisition costs and the intended holding period. Record which expenses are paid by the owner and which are paid by tenants. Use the same time horizon when comparing owning a rental property with another use of the money.
- Rent and realistic vacancy assumptions
- Repairs and recurring ownership expenses
- Loan balance, rate and payment schedule
- Acquisition and potential selling costs
- Ownership structure and holding period
Important boundaries and next steps
Property use and ownership can affect tax treatment. Do not treat a cash-flow projection as proof of a deduction, exemption or future resale value. Move to the corporate or personal tax directories when the question becomes how income is reported rather than how the property operates.
Planned calculators
The pages below are published placeholders for navigation. Their calculators are still in development; none currently provides a working calculation.
- Rent vs. Buy Calculator (in development)
- Rental Property Cash Flow (in development)
- Primary Residence Exemption Allocator (in development)
- Rental Conversion Section 45 2 (in development)
- Rental Portfolio Yield Simulator (in development)
- Cottage Vacation Property Succession (in development)
- DSCR Calculator (in development)
Official reference points
Start with the authority responsible for the rule or program. Verify the exact jurisdiction and effective date; a general reference does not establish eligibility or a numerical result.
Related directories
For general Canadian financial education. This directory does not provide individualized tax, accounting, legal, mortgage, investment or insurance advice. Sources do not endorse this website. Verify important details with the relevant authority and a qualified professional before acting.