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INVESTMENT CALCULATOR 

Run the numbers before you buy. Use our free calculator to project cash flow, ROI, and cap rate on rental properties in Belleville, Trenton, Picton, and Quinte West.

IPS Real Estate Investment Calculator

Estimate cash flow, cap rate, and ROI on any property in under a minute.

Key Terms Explained

Every metric used in the calculator, defined in plain language.

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Cash Flow

The net income remaining after all operating expenses, mortgage payments, and reserves have been paid. Positive cash flow means the property earns more than it costs to own each month.

Cash Flow = Gross Rent − Vacancy − Operating Expenses − Mortgage Payment − Reserves

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Cash on Cash Return

The annual pre-tax return on the actual cash you invested, your down payment, closing costs, and upfront repairs. It answers: how hard is my out-of-pocket money working?

Cash on Cash = (Annual Pre-Tax Cash Flow ÷ Total Cash Invested) × 100
(Total cash invested = down payment + closing costs, including land transfer tax + upfront repairs)

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Gross Monthly Rental Income

The total rent collected each month assuming the property is fully occupied at market rate. This is your top-line revenue figure before any expenses, vacancy losses, or other deductions are subtracted.

Gross Monthly Rent = Market Rent per Unit × Number of Units + Other Income (parking, laundry, storage)

 

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CAP Rate

Capitalization Rate measures a property's income potential independent of financing. It lets you compare investment properties on equal footing by removing the effect of how the deal is funded.

Cap Rate = (Net Operating Income ÷ Purchase Price) × 100

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Vacancy Allowance

A percentage of gross rent set aside to account for periods when the unit is unoccupied. Even the best properties experience turnover. Industry standard is typically 5–10% depending on market.

Vacancy Allowance = Gross Monthly Rent × Vacancy Rate (%)

 

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Amortization

The scheduled repayment of your mortgage principal over time. Early payments are interest-heavy; later payments chip away more principal. Each payment builds equity in the property.

Monthly Payment = P × r ÷ (1 − (1 + r)^−n)
(P = loan amount, n = total months, usually 300 for a 25-year amortization, r = monthly rate from semi-annual compounding: (1 + annual rate ÷ 2)^(1/6) − 1)

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Know Your Return Before You Buy!

You have got the projected return. We handle the tenant screening, rent collection, and maintenance that keeps it that way. Sit down with us and we will tell you what the calculator cannot.

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