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Before You Buy the Rental, See What It Will Cost to Keep

The asking price is the start. The roof, the furnace and the panel decide the next ten years. Answer a few questions from the listing or the disclosure and get a pre-purchase risk report in a minute.

You get the capital costs for the next 5 and 10 years, the cap rate and cash flow before and after them, and a short note to bring to the offer.

Not an appraisal. General information, not financial advice.

One free report without an account (we remember it on this browser and network). More reports come with a Dweller subscription.

The property and the price

Shown on the report for reference only. It is not used in any figure.

Expected monthly rent *

The main systems

From the listing, the seller's disclosure or the inspection. Rough ages are fine; "Don't know" is kept out of the dollars and flagged.

Roof
How old is the roof?
Main heating
How old is the main heating?
Water heater
How old is the water heater?
Windows
How old are the windows?
Electrical panel
How old is the electrical panel?

Costs and financing

Pre-filled values are stated defaults; change any of them. A cost left blank is filled in on its own, and the report says so: insurance at 0.5% of the price a year, repairs at 6% of rent collected, utilities paid by the tenants. Property tax is estimated only for a St. John's address with the assessed value entered; otherwise enter it.

/yr
/yr
/mo
/yr
Financing

Fixed rate, compounded semi-annually as Canadian mortgages are. 20% is the usual minimum down payment on a rental you will not live in.

Not an appraisal. General information, not financial advice.

Capital expenditure forecasts are statistical projections, not guarantees. They assume typical failure patterns adjusted for property conditions. Actual replacement timing and costs depend on maintenance, usage, environmental factors, and contractor availability. Replacement cost estimates are approximate and based on regional market data for Atlantic Canada. Actual costs vary by contractor, scope, site conditions, and market timing. Obtain contractor quotes for project budgets.