Deal Comparison Calculator
Run two rental scenarios side by side before you choose which property to pursue. Upload a listing, rent roll, or T12 and we will extract the numbers for Deal A or Deal B.
Compare two rental deals side by side. Saved locally in your browser.
Deal A
Deal B
LendCity™ Mortgages
Ready to take the next step?
This Deal Comparison Calculator is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
How this calculator works
Enter both properties by hand, or upload documents and apply the extracted numbers to Deal A or Deal B.
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Load a deal
Type the numbers or upload a listing, rent roll, or T12. Apply the extract to Deal A or Deal B.
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Match financing
Use the same down payment, rate, and amortization when you want a clean apples-to-apples compare.
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Read the winner
We highlight the stronger monthly cash flow. Cap rate and cash-on-cash show whether leverage is helping.
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Monthly cash flow
Rent − expenses − P&I · Highest residual
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Cap rate
NOI / Price · Best unlevered yield
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Cash-on-cash
Cash flow / Down · Top levered return
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Approx DSCR
NOI / P&I · Clears 1.20x+
Price is not the deal
The cheaper building can lose if rent is thinner, expenses are heavier, or you need more cash in. Compare the residual — not the list price.
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Use this tool when
You are choosing between two 1–4 unit rentals, two small multifamily listings, or a keep-versus-buy refinance.
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Use a deeper model when
The asset is 5+ units, mixed-use, or you are sizing CMHC MLI. Those deals need unit-level rent rolls and program rules.
Four numbers that decide most 1–4 unit races
Monthly cash flow is the headline. Cap rate ignores financing. Cash-on-cash shows what your down payment earns. Approximate DSCR is NOI divided by P&I — lenders still run their own expense and vacancy rules.
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Monthly cash flow
Effective rent minus operating expenses minus principal and interest. Vacancy is applied to rent first. Taxes and insurance sit inside the monthly expense field. · Effective rent − expenses − P&I
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Cap rate
Annual NOI divided by purchase price. Useful when down payments differ. A higher cap rate is not automatically the better buy if the building is tired or the rent roll is soft. · NOI / purchase price
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Cash-on-cash
Annual cash flow divided by cash in (down payment). Leverage can make a lower-cap deal win if the rate and amortization cooperate. · Annual cash flow / down payment
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Approximate DSCR
Monthly NOI divided by monthly P&I. Canadian conventional commercial lenders typically want 1.20x–1.30x. CMHC MLI Select (5+ units) sizes at 1.10x. This screen is not a commitment. · Monthly NOI / monthly P&I
Worked example (illustrative)
Two Windsor-area duplexes on the same 25% down, 5.50% / 25-year Canadian mortgage. Numbers are a teaching case, not a live listing.
| Deal A price / rent | $350,000 · $2,800/mo |
|---|---|
| Deal B price / rent | $425,000 · $3,200/mo |
| Shared expenses / vacancy | $650/mo · 5% |
| What to look for | Cash flow first, then cash-on-cash if down payments differ |
If Deal B’s extra rent does not cover the extra debt service, Deal A wins even though it is smaller. Run your actuals — do not copy these figures into an offer.
Related tools & guides
next steps
- Property cash flow calculator
Deeper single-property ROI, cap rate, and GRM
- Canada DSCR calculator
Max loan at 1.00 / 1.10 / 1.20 DCR
- Portfolio financing roadmap
How many more doors your equity funds
- Investment property mortgages
How 1–4 unit rentals are financed
- Investor resources
Guides, checklists, and calculators
- Book a strategy call
Walk both files with a broker
Deal comparison FAQ
How to compare two rentals without mixing personal income rules with property cash flow.
Deal comparison
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