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Rental property calculator

Cash flow, cap rate and cash-on-cash return for a Nova Scotia rental, before you make an offer.

Rental property calculator

Cash flow, cap rate and cash-on-cash return for a Nova Scotia rental. Every number in the example is a placeholder: use the listing's.

Purchase and mortgage
$
%

$110,000

%
$

Deed transfer tax, legal, inspection, fix-ups

Income
$
$

Parking, laundry, storage

%

Share of the year units sit empty

Expenses
$
$
%
%

0 if you manage it yourself

$

Heat, water, common-area power

$

Monthly cash flow

$77

$922 a year after the mortgage

Returns

Cap rateNet operating income ÷ price
5.62%
Cash-on-cash returnYearly cash flow ÷ $122,000 invested
0.76%
Debt coverageNet operating income ÷ mortgage payments
1.03×

Per year

Gross rent + other income
$45,600
Vacancy
−$1,368
Operating expenses
−$13,348
Net operating income
$30,884
Mortgage payments$2,497 a month on $440,000
−$29,962
Cash flow
$922

Estimate only, not financial or tax advice. Cash flow is before income tax. Principal you pay down builds equity but isn't counted as cash flow. Remember the Nova Scotia rent cap limits increases for existing tenants. Nothing you enter is saved or sent anywhere: it clears when you leave the page.

How this calculator works

  • Net operating income is rent and other income, minus vacancy, minus operating costs (property tax, insurance, maintenance, management, utilities, condo fees). It excludes the mortgage.
  • Cap rate is net operating income divided by the price: a way to compare properties regardless of financing.
  • Cash flow is net operating income minus mortgage payments. Cash-on-cash return is yearly cash flow divided by the cash you put in.
  • Rentals you won't live in usually need at least 20% down, and rent increases for existing tenants are capped in Nova Scotia.

Sources

Rules and rates last checked October 4, 2026.

More calculators

  • Renting

    Rent increase calculator

    The most your rent can rise under Nova Scotia's 5% cap, and the earliest date a new rent can start.

  • Buying

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    Cash to close, CMHC insurance, deed transfer tax and your monthly payment for any Nova Scotia home price.

  • Buying

    Deed transfer tax calculator

    Municipal deed transfer tax for every Nova Scotia municipality, plus the non-resident tax if it applies to you.