For investors

Investing in property, one clear step at a time

A calm, staged walk through investing in Greater Toronto Area property. Scroll to where you are, and use only the tools and guides that matter right now. No jargon, just clear steps.

Questions as you read? Jay is one message away. WhatsApp Book a call

Analyzing

Is this actually a good investment? Start with the numbers.

Cash flow calculatorDoes this rental make or lose money each month, honestly, with real expenses. Calculator Cap rate and ROI calculatorCompare properties by cap rate, and see your real cash on cash return. Calculator The Airbnb MarketA look at the short term rental market and what actually drives returns. Guide How to analyze your first rentalThe order: NOI, cap rate, cash flow, cash on cash, done with the tools. Guide

Financing

How do you fund it, and what do the rules require?

Rent vs carrying cost calculatorDoes the rent cover the cost of holding it? See the surplus or shortfall. Calculator Investment property financing, and the 20% down ruleThe 20% minimum, no CMHC, the stress test, and what is deductible. Guide

Acquiring

Buying the property, and budgeting the cost to close.

Land transfer tax calculatorOntario and Toronto land transfer tax on your purchase. Note, no rebate on a rental. Calculator Buying an investment propertyFinancing, the numbers, and the closing, tied together with the honest bits. Guide

Managing

Owning it, and renting it out the right way.

Being a landlord in Ontario, and LTB basicsThe N forms, what the LTB and Sheriff actually do, and what Bill 60 changed. Guide Rent increases, and the rulesHow to raise rent correctly, the 90 day notice, and the post 2018 exemption. Guide

Growing or exit

Pulling equity to scale up, or selling and counting the gains.

Refinance calculatorSee how much equity you could pull to fund the next property. Calculator Selling an investment property, and capital gainsThe 50% inclusion rate, the CCA trap, ACB, and the flipping rule. Guide

Beyond residential

Curious about commercial property, or buying a business? Get oriented, honestly, before you wander in.

Commercial real estate, a first lookMultifamily, retail, industrial, and the big shift: commercial is priced by income, not comps. Guide DSCR calculatorDoes the building cover its loan, and how much its income can borrow. Commercial lending math. Calculator Business numbers, explainedBuying a store or restaurant? What the listing terms really mean, and the owner wage trap. Guide Business purchase deal mathDoes the store actually pay you, after a fair wage and the loan? Honest deal math. Calculator

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Browse all calculatorsEvery free calculator, buyer and seller. Browse all guidesEvery plain language guide, free to read.

Jay Patel

REALTOR® · Greater Toronto Area

Wherever you are in the process, I am happy to help you read the numbers and think it through.

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