Sold by Romona · Investment planning

See the cash flow behind the property.

Compare expected rental income with the money needed to own and maintain the property. Use monthly estimates in Canadian dollars; totals update as you type.

1. Income and vacancy allowance

Use the rent before vacancy or uncollected-rent allowances. Combine the units included in your plan.

For example, parking or storage income. Exclude refundable tenant deposits.

Enter a dollar amount, not a percentage. Deduct it here only once; do not also reduce the income above.

Income after allowance$0.00

Your estimated cash flow

Monthly cash flow before income tax$0.00

Enter your income and costs to compare them.

12-month cash flow projection$0.00Monthly cash flow × 12, assuming the same income, costs and allowances throughout the year.

Try a lower rent, a larger vacancy allowance or higher costs to see how your plan changes.

2. Monthly cash costs and reserves

Include principal and interest. Use your lender’s payment estimate.

Divide an annual estimate by 12. Exclude any amount already included in the mortgage payment above.

Include only costs you pay separately from condominium fees or other entries.

Include routine maintenance and money set aside for larger repairs. Count each amount once.

Include recurring costs not entered above. Keep purchase, closing and initial renovation funds separate.

Total monthly cash costs and reserves$0.00Includes the full mortgage payment and the reserves you enter.

All amounts are CAD. Blank boxes count as zero. Missing expenses can overstate cash flow. This is a planning estimate before income tax, not taxable profit or net operating income. It includes mortgage principal and reserves; it does not forecast property appreciation or calculate tax deductions. Confirm your assumptions with your lender, accountant and other qualified advisers.

Keep purchase, closing and initial renovation funds separate. Plan your purchase funds with the Buyer Cost calculator.

CMHC rental market data ↗CRA guidance on rental expenses ↗

MEET ROMONA

Romona Okereke

REALTOR®

I’m Romona Okereke, a REALTOR® with eXp Realty, Brokerage, helping buyers, sellers, renters and investors across the Greater Toronto Area and Simcoe County.

My interest in real estate began with purchasing my first home and grew through investing in income-generating properties. With more than three decades of corporate finance experience, I bring careful analysis, attention to detail and a practical understanding of the numbers behind a move.

I hold the Real Estate Negotiation Expert (RENE®) and RESA® Certified Staging Advocate™ certifications. These complement my approach to helping clients prepare their homes, evaluate their options and negotiate with clear priorities.

Whether you’re buying your first home, preparing to sell, finding a rental or relocating from the GTA to Simcoe County, I take time to understand your goals and explain each step. You can expect honest advice, clear communication and personal attention.

Explore available properties here, then let’s talk about your next move.

416-342-3870
romona.okereke@exprealty.com
Romona Okereke