Real estate investment analysis: cashflow, cap rate and verdict

Every property tells a verdict.

Enter a price, income and expenses. Hom24 computes real profitability, monthly cashflow and two scores out of 100, in under 30 seconds.

See it before you sign up

Seven screens from the Analysis page, captured as-is on a Montreal triplex at $675,000: $55,200 in gross rent, 20% down, 4.29% over 25 years.

The verdict, in one sentence

Ideal opportunity, worth considering or walk away: one sentence, the monthly cashflow, and the strengths and reservations behind it. "Understand this result" unfolds the reasoning line by line.

Two scores out of 100, never just one

The property (cap rate, cashflow, appreciation, safety, resilience) and your profile (debt ratio, liquidity, down payment, stress test) are scored separately. A good building on a stretched profile is not the same verdict as a good building on a solid one.

Where every rent dollar ends up

Gross rent, vacancy, operating expenses, NOI, debt service, net cash: the full waterfall, then eight ratios (GRM, NRM, cap rate, break-even, cash on cash, DSCR, expense ratio, price per door), each with the gap that would bring you back into target.

Today's rates, not last year's

Bank of Canada policy rate, 5-year fixed, variable, inventory: your analysis rate sits on the market scale, and Hom24 flags it when it drifts from the rate estimated for your file.

What the exit is worth

Projected value, remaining debt and net equity at 1, 3, 5, 10, 15 or 20 years, with IRR and NPV computed on the same flows, net of commission, fees and resale tax.

Refinance, then what?

At the loan-to-value and rate of your choosing: the new maximum loan, the cash-out available and the change in monthly payment. Enough to know whether the next purchase funds itself.

The file goes to the right professional

Hom24 reads your analysis and recommends who to call (mortgage broker, real estate broker or inspector), with the reason spelled out in numbers. The file goes out through the directory in one click, with nothing to explain twice.

A verdict, not just numbers

Hom24 turns your raw data into a clear decision: buy, negotiate or walk away.

Three project types

Home, rental investment or partnership: the same engine, but the questions change. Housing cost on one side, cashflow and cap rate on the other.

Real monthly cashflow

Rent, vacancy, mortgage, taxes, insurance and maintenance: the net surplus (or deficit) each month, no surprises.

Two scores out of 100

The quality of the property and your capacity to carry it, scored separately, so you can compare two buildings without mixing up the asset and the file.

Built-in market context

Policy rate, fixed and variable rates, inventory, local medians: your analysis factors in the live Canadian market.

You type, everything recomputes

No "Calculate" button: every keystroke updates the verdict, the scores and the ratios. And you are never left alone in front of an empty field, the local market gives you the orders of magnitude.

Same engine, different questions

A home is not judged on cap rate. In home mode, cashflow gives way to housing cost, and the decision index scores what actually matters when you buy a place to live in.

Every partner gets their own return

Buying with one or two partners is not just splitting the down payment. Hom24 computes each partner's return from what they put in and what they own, two things that are rarely the same.

The app dresses the way you want

The screenshots on this page are in Desert. The app offers four styles, picked at sign-up and changed whenever you like. Here is the same verdict in each one.

From listing to verdict in 3 steps

No spreadsheet, no formula to memorize. You enter the numbers, Hom24 does the rest.

Enter the property

Asking price, down payment, rental income and expenses. Province and city are enough for the local market to enter the calculation.

Hom24 computes

Mortgage, CMHC, vacancy, hidden costs and scenarios are modeled on every keystroke, using today's rates.

Decide

Read the verdict, adjust your offer, then send the costed file to the professional Hom24 recommends.

Your next property deserves a real verdict

Analyze your first property for free. No credit card required.