CANADIAN REALTOR TOOLKIT / Google Sheets spreadsheet + Google Docs guide
Canadian Rental Property Cash-Flow Analyzer
Work through a Canadian rental deal before you rely on the headline rent. Compare up to three properties with linked closing costs, monthly cash flow, cap rate, cash-on-cash return and DSCR. Built and tested for free Google Sheets, with a two-page Google Docs-friendly quick-start guide.
Digital download through Etsy. Prices are in CAD. See the listing for current offers, included files and order support.
At a glance
- Tested workflow
- Free Google Sheets and Google Docs. Upload and opening in Drive required; Google account needed.
- Files supplied
- Buyer ZIP with one blank XLSX analyzer and one two-page DOCX quick-start guide.
- Property capacity
- Up to three properties at a time in six linked tabs.
- Canadian scope
- All 13 provinces and territories; dated provincial base transfer-tax logic plus editable transaction costs.
- Buyer data
- No fictional property records. Requested 5% vacancy default and system assumptions are prefilled.
- Compatibility limits
- Desktop Excel and Word were not tested. No paid add-ons, macros, VBA or scripts.
- Verification
- 366 formulas checked in Google Sheets; $3,098.77 mortgage example independently matched to FCAC calculator.
- Before relying on results
- Assumptions checked October 17, 2026. Verify current rates, lender eligibility, municipal costs and tax treatment.
SEE THE TOOL IN USE
Real files. Fictional example.
These previews show sample figures and records. Buyer files start without demo client data. Open a preview for a closer look.
Compare cap rate, cash-on-cash and DSCR →
01 / WHAT YOU GET
A useful tool.
A clear place to start.
- One blank XLSX analyzer with six linked tabs: Deal Inputs, Closing Costs, Monthly Cash Flow, Annual Summary, Comparison and Assumptions.
- Canadian semi-annual mortgage compounding, with monthly payments linked into the cash-flow analysis.
- All 13 provinces and territories in the dropdown, provincial base transfer-tax logic where applicable, and editable quotes and overrides for transaction-specific costs.
- Separate uninsured rental, owner-occupied CMHC, CMHC Income Property and lender-quote financing modes; eligibility and premiums must be confirmed with the lender.
- Vacancy, itemized expenses, cash flow before and after capital reserve, debt-service coverage and negative-result flags.
- Cap rate, cash-on-cash return, gross rent multiplier, 1% and 50% screening references, live comparison ranking and a five-year rent-growth illustration.
- Editable assumptions with sources and last-verified dates, an illustrative B-20 qualifying-rate scenario, and informational CRA CCA references.
- A two-page DOCX quick-start guide. The buyer ZIP contains the blank workbook and guide; fictional preview properties are excluded.
02 / IN YOUR WORKING WEEK
Put it to work.
- Download and extract the buyer ZIP from Etsy. Upload the XLSX and DOCX files to Google Drive, then open them in Google Sheets and Google Docs.
- Enter your property details in the paper-coloured input cells. Use actual rent evidence, cost quotes and lender terms, and select the relevant province and financing case.
- Check cash needed to close, cash flow after reserve and the return measures. Compare up to three properties using consistent expense and reserve definitions.
- Change the assumptions that are uncertain, verify current local taxes and costs, and confirm financing and tax questions with the appropriate professional before relying on the analysis.
03 / BEFORE YOU BUY
Your questions, answered.
Do I need paid Excel or Word?
No paid software is required for the tested Google Sheets and Google Docs workflow. A Google account is required. XLSX and DOCX files are supplied; desktop Excel and Word were not tested, so desktop parity is not claimed. No macros, VBA or scripts are included.
Is this only for British Columbia?
No. The dropdown includes all ten provinces and three territories. Provincial base transfer taxes calculate where applicable. Confirm municipal taxes, registration fees, exemptions and transaction-specific costs. A zero base transfer tax does not mean a closing has no transfer-related costs.
Can I compare three properties at once?
Yes. Three live property columns feed the linked calculations and the Comparison tab. Ranking is by cash-on-cash return; ties share a rank, and a top-ranked result can still be negative.
Does it include the example properties shown?
No. Listing and website previews use separate fictional properties to show the system working. The buyer analyzer contains no fictional property data. A 5% vacancy default and editable system assumptions are included.
Are CMHC insurance and mortgage approval automatic?
No. Financing modes apply different eligibility and premium rules. Use a lender quote to confirm the actual case. The qualifying-rate calculation is an illustrative scenario, not a lender decision or approval.
Does it calculate rental income tax or CCA deductions?
No. CRA CCA classes are informational only. The tool does not calculate rental income tax, CCA deductions, recapture, rebates or owner-use allocations. Consult an accountant.
How do I read the return measures?
Read the Canadian cash-flow walkthrough and the cap rate, cash-on-cash and DSCR comparison guide linked below. Each measure answers a different question and depends on the inputs.
Purchase, download and support details
Purchase and download through Etsy. No physical item is shipped. Check the listing for current pricing, licence and setup instructions. Contact the shop through Etsy for order support and review the listing’s digital-download policies before purchasing.
Ready to take a closer look?
See the full listing, previews and download details on Etsy.
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