Stampede Realty™
Investor Tool
🧮 YYC Deal Analyzer — is this Calgary property worth it?
3 numbers. Instant verdict. Good / Neutral / Bad — the way a top investor filters deals. Full mortgage math, cap rate, cash flow, buy-vs-rent and stress test under the hood; tweak assumptions only if you want to.
Who's buying?
Tap your situation — sets smart defaults for down payment, vacancy, management, and underwriting standard.
The 3 numbers that decide the deal
Punch these in, get an instant verdict. Tweak assumptions in Advanced only if you want to.
20% min for a rental (no CMHC). 5% min owner-occupied.
Calgary 3-bed avg: ~$2,400–2,900/mo. Legal basement suite adds ~$1,200–1,500.
Advanced inputsrate, taxes, condo fees, comparison to renting, GDS ratio
Mortgage
Spring 2026 5-yr fixed: ~4.8–5.1%.
Operating costs
Auto-filled from Calgary's 0.62% effective rate if left blank.
0 for detached. ~$300–600 for condos.
$0 if tenants pay.
Rental underwriting
Calgary now ~1.8%. Underwrite 3% for safety.
% of property value per year.
8–10% professional, 0% self-managed.
Buy vs rent comparison
Leave blank to skip the comparison.
Calgary 20-yr avg ~3.5%/yr.
Opportunity cost of money parked elsewhere.
Affordability check (optional)
Unlocks the GDS ratio — banks want ≤32% conservative, ≤39% max.
How I score it: This calculator gives a directional signal, not a guarantee. Verdict is based on monthly cash flow, cap rate vs Calgary norms, mortgage-to-rent ratio, and 5-year wealth projection. Actual returns depend on the specific property, financing terms you qualify for, and how the market moves. Real estate is illiquid — please don't make a purchase decision from a calculator alone. Talk to me before you commit: 403-888-4268.