Rental Property: Keep or Sell?

For Canadian and American landlords. After-tax cashflow, keep-vs-sell projection, market rent check, and current mortgage rates. Free and private — nothing you enter leaves your browser.

📊 Today's Mortgage Rates

Product	Rate

Sample reference rates — replace with your affiliate feed (US: LendingTree / Bankrate. Canada: Ratehub via Fintel Connect). Rates shown are illustrative; lenders' actual offers vary. Advertising disclosure required here once links are live.

🏦 Lenders Near You

ZIP code

US: live bank-branch lookup from the FDIC's public BankFind database. Canada: major banks and credit unions for your province (from your postal code). Each "Check rates" click routes through your affiliate/tracking link — that's the traffic lenders pay for.

Monthly Income & Payments

Monthly rent you charge ($)

Mortgage payment — P&I only ($/mo)

Principal & interest, not escrow

Property tax ($/mo)

Insurance ($/mo)

HOA / condo fees / other ($/mo)

Operating Assumptions

Vacancy (% of rent)

Maintenance & repairs (% of rent)

Property management (% of rent)

0 if self-managed

Market Rent Check (advanced)

State / Province

Metro area

Bedrooms

Market rent for YOUR unit ($/mo)

Auto-filled from the reference below, or enter your own comp

Reference averages from public data (US: HUD-style metro averages · Canada: CMHC/market survey averages), mid-2025 vintage — always verify with 2–3 live listings on Zillow / Rentals.ca for your exact street. Postal/ZIP-level lookup can be added later via the HUD SAFMR dataset (US) — see the data update guide.

Property & Loan Details (advanced)

Current property value ($)

Remaining mortgage balance ($)

Mortgage interest rate (%)

Original purchase price ($)

Years owned

Total CCA claimed to date ($)

0 if you never claimed CCA (most small landlords don't)

Your Tax Profile (advanced)

Your annual income — salary etc. ($)

Taxable income before rental. Single filer (US) / individual (CA)

Forward-Looking Assumptions (advanced)

Holding horizon (years)

Expected appreciation (%/yr)

Expected rent growth (%/yr)

Selling costs (% of price)

Alternative investment return (%/yr)

Cashflow Today

Annual Tax Impact of the Rental

Your Equity & Return on Equity

Keep vs. Sell — After-Tax Wealth in Years

Scenario	Projected wealth	Effective return

💡 Considering refinancing? Compare live rates from multiple lenders above.