LY&XLFINANCIAL INC.
中文Let’s talk

PLANNING TOOLS / CAD

Give your questions
some numbers.

Explore a property’s cash flow and a mortgage payment. Examples are editable; they are not market valuations or current rate offers.

Your property scenario

Calculations stay in this page; your figures are not submitted or saved.

Include property tax, insurance, condo fees, management, repairs and vacancy allowances in monthly costs. Selling costs should include commission, legal fees and mortgage penalties. Tax provision is a manual estimate—zero does not mean tax-free.

YOUR ILLUSTRATION

Estimated net sale proceeds

$355,000

Sale price − mortgage − costs − tax provision

Monthly rental cash flow-$200
Annual rental cash flow-$2,400
Reserve covers shortfall150.0 months

Rent does not cover the entered costs. Consider how long you can carry the gap and what may change.

Cash flow is before income tax and includes mortgage principal payments. It is not investment profit. Reserve coverage excludes other household spending.

Put these numbers in context

Numbers are a starting point.

A calculation cannot decide whether you should sell, borrow or invest. Bring the assumptions to a conversation about your full circumstances.

Discuss your results

A CONVERSATION WITH PURPOSE

Let’s make your next
decision clearer.

Tell Jeany what is changing, what you own and what you need next. Start with a conversation in English or Chinese.

JEANY LIU

Email to arrange a consultation416 275 1279

Please use your first message to describe your question. Financial documents can be discussed through an agreed private channel.