Rental Property Calculator
Run the numbers on an investment property in St. John’s — cash flow, cap rate, cash-on-cash, and your projected return (IRR) when you sell.
Purchase
Income
Operating expenses (annual)
When you sell
Projected performance over time
Switch between how your equity builds and your annualized return (IRR) depending on the year you sell. Hover a year for the details.
Year-by-year breakdown
Income, mortgage, expenses, and cash flow each year, the equity you’ve built — and what you’d net and your annualized return (IRR) if you sold at the end of that year.
| Year | Income | Mortgage | Expenses | Cash flow | Cash-on-cash | Equity | Net if sold | Return if sold |
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Estimate only, for illustration — not investment, tax, or financial advice. Assumes a constant interest rate and steady annual increases; actual results vary with rents, rates, expenses, and market conditions. Mortgage uses semi-annual compounding (the Canadian standard). IRR, cap rate, and cash-on-cash follow standard definitions; confirm any purchase with a mortgage professional and an accountant.
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Thinking about investing in St. John’s?
I invest here myself — four properties, ten doors. Happy to talk through a deal with you, no pressure.