Run the numbers before you close.
Four free calculators built for commercial buyers, investors, and tenants in Brampton, Mississauga, Toronto, and across the GTA. Adjust the inputs and the results update live — then email yourself a full report.
Commercial Mortgage Calculator
Estimate monthly payments, total interest, and your balance at end of term for a financed commercial purchase.
Open calculatorCap Rate Calculator
Calculate Net Operating Income and capitalization rate to compare investment properties across the GTA.
Open calculatorCash-on-Cash Return
Measure the annual return on the cash you actually invest, accounting for financing and operating costs.
Open calculatorLease vs. Buy Analysis
Compare the true cost of owning versus leasing space over your hold period, including equity and appreciation.
Open calculatorCommercial Mortgage Calculator
Estimate your monthly payment, total interest, and balance at the end of your term for a financed commercial purchase.
- Monthly payment
- $10,972.12
- Loan amount
- $1,625,000
- Down payment
- $875,000
- Interest over term
- $504,962
- Principal paid
- $153,365
- Balance at term end
- $1,471,635
$131,665 / year
65.00% of price
35% of price
5-yr term
over term
remaining
Amortization over 25 years
Cap Rate Calculator
Calculate Net Operating Income (NOI) and capitalization rate to compare income-producing properties across the GTA.
- Cap rate
- 8.40%
- NOI
- $378,000
- Gross yield
- 12.00%
- Eff. gross income
- $513,000
- Vacancy loss
- $27,000
- OpEx
- $135,000
NOI ÷ price
net operating income
before expenses
after vacancy
5.00% of gross
annual
Income waterfall
Cash-on-Cash Return
Measure the annual return on the cash you actually invest, accounting for financing, vacancy, and operating costs.
- Cash-on-cash
- 8.96%
- Cash invested
- $1,216,000
- NOI
- $289,000
- Cash flow
- $109,000
- DSCR
- 1.61x
- Down payment
- $1,140,000
annual return
down + closing
after OpEx
before tax
healthy
30.00%
From gross income to cash flow
Lease vs. Buy Analysis
Compare the true cost of owning versus leasing your business space over your hold period, including equity built and appreciation.
If you buy
If you lease
Buy
Buying is the lower net cost over your hold period, after accounting for equity built and appreciation.
- Buy net cost
- $287,494
- Lease net cost
- $1,655,092
- Buy out-of-pocket
- $931,284
- Lease total
- $1,655,092
- Cost / sq ft (buy)
- $36
- Cost / sq ft (lease)
- $207
after equity + appreciation
total rent
7 yrs
7 yrs
net, over hold
net, over hold
Cumulative cost over time
Want a second set of eyes on your numbers?
These tools give you a solid first read. For a full underwriting review, a comparable-sales valuation, or help structuring an offer, Hiren Patoliya is one call away.
These calculators are provided for general informational purposes only and do not constitute financial, tax, or investment advice. All inputs and results are illustrative estimates based on the values you enter; actual mortgage terms, operating costs, and market conditions will vary. Always confirm figures with your lender and accountant before making a decision.