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Free Tool

Stress-Test a Rental Before You Commit - Investment Property Analyzer

Run the numbers before you fall in love with the listing.

Current Rates — Insured Mortgages

Updated 2026-04-06
3-Year Fixed 4.34%
5-Year Fixed 4.39%
5-Year Variable ? 3.7%
The variable rate is calculated as the lender's prime rate (currently 4.45%) plus or minus a lender adjustment. Your variable rate can change with each Bank of Canada announcement.

Does this rate apply to your situation? Book 15 minutes to find out.

Rates subject to change at any time without notice. These rates are for insured mortgages (down payment under 20%). Confirm your rate.

This tool provides estimates for informational purposes only. Actual rates and results depend on your specific situation. Rates last updated 2026-04-06. Rates are subject to change at any time.

Run the Numbers Before You Commit

A rental property can be a great investment - but only if the math works. This tool gives you a realistic picture of cash flow, qualification impact, and feasibility before you get emotionally attached to a listing.

How Lenders Evaluate Rental Properties

Most lenders count only 50% of expected rental income toward your qualification. You’ll need a minimum 20% down payment for investment properties, and the stress test applies to both your existing mortgage and the new one.

Cash Flow vs. Appreciation

A property with negative cash flow isn’t necessarily a bad investment - but you need to be able to cover the shortfall from other income. This tool shows both the monthly cash flow picture and your qualification capacity so you can make an informed decision.