BRRR Property Analysis
Untitled analysis
Ontario
Prepared September 27, 2026
Base case · CAD · monthly model
Calculation version 1.4.0
Figures reflect the assumptions entered on the date above. Rates, rents, costs and regulations may have changed since then.
Incomplete analysis. Missing entries in: Property, Purchase & financing, Units & income, Renovation & timeline, Expenses & reserves, Refinance. Affected figures are marked as not available.
Summary
Cash needed (peak)
Not available yet
Cash back at refinance
Not available yet
Cash left in the deal
Not available yet
Monthly cash flow
Not available yet
- Cash-on-cash
- Not available yet
- DSCR
- Not available yet
- Cap rate
- Not available yet
- Yield on cost
- Not available yet
- Equity after refinance
- Not available yet
- Loan-to-value at refinance
- Not available yet
Refinance
- Loan-to-value at refinance
- Not available yet
- Equity after refinance
- Not available yet
Stabilized operations
Not available yet
Project cost and capital
Not available yet
Scenarios
| Measure | Conservative | Base | Optimistic |
|---|---|---|---|
| Cash needed | Not available yet | Not available yet | Not available yet |
| Cash back at refinance | Not available yet | Not available yet | Not available yet |
| Cash left in the deal | Not available yet | Not available yet | Not available yet |
| Monthly cash flow | Not available yet | Not available yet | Not available yet |
| DSCR | Not available yet | Not available yet | Not available yet |
Conservative: Renovation spending +15%, After-repair value −5%, Stabilized rent −5%, Vacancy +2 pts, Refinance rate +1 pts, Operating expenses +10%, Lease-up delay +2 months. Optimistic: Renovation spending −5%, After-repair value +3%, Stabilized rent +3%, Refinance rate −0.5 pts. The scenario settings are examples and can be changed.
Key assumptions
- Purchase price
- Not entered
- Acquisition costs
- Not entered
- Land transfer tax used
- Not available yet
- Deposit paid
- $0
- Acquisition financing
- Not entered at Not entered, amortizing
- Renovation
- Not complete
- Expenses during project
- Not complete
- Expenses once stabilized
- Not complete
- Vacancy / collection loss
- Not entered / Not entered
- Replacement reserve
- Not entered / month
- After-repair value
- Not entered
- Refinance
- Month Not entered, Not entered LTV, Not entered
Before relying on this analysis
- Land transfer tax basis, date and classification. Confirm with your real estate lawyer. Rebates, exemptions and other taxes aren't included.
- Acquisition loan amount, rate, term and fees. Get a written commitment from the lender, including any payout penalty.
- Refinance loan-to-value, rate, amortization and costs. Talk to a lender or mortgage broker. Approval and the amount they'll lend aren't assumed here.
Definitions
- Month 0 is closing; Month 1 is the first full operating month.
- The refinance closes after that month's payment and activity; new payments start the next month.
- Completion is the latest of the refinance, the last renovation spending month, full stabilized rent and the expense transition.
- Stabilized figures are a normalized forward year starting the month after completion, not the first twelve actual months.
- Cash left in the deal is what you've put in minus what you've taken out, at completion. All figures are as entered and haven't been verified.
Talk it through
Want to talk through the property, financing or strategy? Reach Jeremy McGraw at connect.jeremymcgraw.ca.
Important information about this analysis
The BRRR Analyzer is here to help you work through the numbers on a property and learn along the way. It doesn't replace your own due diligence or professional advice, and the decision is always yours.
These are estimates
Calculations and results are estimates based on the information and assumptions you enter. Projections are not guarantees of future performance, and actual financing, renovation, operating, tax, legal, market and resale results may be different. Figures are before income tax unless noted.
Things change
Market conditions, lending requirements, interest rates, taxes, insurance, construction costs, rents and regulations can change at any time, including after an analysis or report is prepared.
Check the details
Independently verify property-specific information and do your own due diligence before you purchase, finance, renovate, refinance, sell or otherwise invest in real estate.
Who to check with
- Confirm financing assumptions with a qualified mortgage professional or lender.
- Confirm zoning, permitted use, building compliance, rental legality and development potential with the municipality and the right professionals. Adding a unit or rent here doesn't mean it's allowed.
- Take tax and accounting questions to a qualified accountant.
- Take legal questions, including tenancy matters, to a qualified lawyer.
- Have construction, structural, environmental and building matters reviewed by a qualified contractor, engineer or inspector.
About the BRRR Analyzer
- Refinance proceeds depend on the appraisal, the lender's underwriting and your qualifications. The value, loan-to-value or loan amount you enter doesn't tell you what a lender will approve.
- Renovation budgets, timelines and rent start dates are assumptions until you have quotes, permits and signed leases.
This isn't advice
Jeremy McGraw, McGraw Real Estate and RE/MAX Capital Diamond do not provide legal, accounting, engineering, lending or other specialized professional advice through this tool. Nothing here is personalized investment advice or a recommendation to purchase, sell, renovate, finance or refinance a property. A report from this tool hasn't been reviewed or verified by anyone.