Rent vs Own Your Shop
Your escalating rent against buying the building — crossover year, 10-year equity, break-even return on capital, and pulling the down payment from home equity with stated income.
Open →Mortgage Payment Calculator
Quick payment on any commercial mortgage — amortizations 5 to 50 years, principal + interest or interest-only, at any frequency.
Open →CMHC MLI Select — Points & Max Loan
Score your 5+ unit project on CMHC's point system, then see the maximum insured loan at the 1.10× DCR floor, your amortization ceiling, and the premium after the tier discount.
Open →Cap Rate, NOI & Cash-on-Cash
Cap rate, NOI, cash-on-cash return and DSCR — straight from your rent roll.
Open →EBITDA & Business Valuation
EBITDA, adjusted EBITDA, margin and a business valuation estimate from your P&L.
Open →Commercial Equity Take-Out
Pull equity from commercial property to 75% — new first or a second behind your existing one, with penalty, fees and legal netted to cash in hand. Toggle to Commercial inside.
Open →Closing Cost Calculator
Total cash needed to close: land transfer tax, GST/HST, commercial legal, appraisal, environmental Phase 1/2 and financing fees.
Open →Land Transfer Tax + GST
Just the closing taxes on commercial deals — land transfer tax plus GST or HST.
Open →Financing Fees
Quick estimate of financing and lender fees on your commercial deal.
Open →Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.