Ontario
Ontario AI Real Estate Analyzer
Ontario deals fail on local rules more often than on bad arithmetic. This analyzer prices those rules instead of ignoring them.
A generic American calculator will happily tell you an Ontario duplex is a great deal. It does not know that the 2018-and-earlier unit is rent-controlled, that Toronto charges a second land transfer tax on top of the provincial one, that the basement suite may not be legal, or that the city's tax rate is nearly triple the one next door.
PropertyEdge starts from Ontario. Each of the eleven city pages carries local benchmarks — duplex price, price per unit, two-bedroom rent and the municipal tax rate — with the vintage of the data and a confidence level shown next to it.
Ontario rules the model applies
- Rent regulation: guideline increases on covered units, and the difference between a covered unit and a post-2018 exemption
- Land transfer tax: the Ontario schedule plus the municipal charge where it applies, and first-time buyer rebates where relevant
- Municipal property tax rates by city, since the same price can carry thousands of dollars a year in difference
- Legal second suites and retrofit status, treated as an underwriting risk with a cost attached rather than assumed income
- Utility responsibility and heating type, which decide whether your expense line is realistic
- Insurability and stress-test rules on the financing side of Canadian mortgages
Eleven Ontario markets with their own numbers
Toronto, Hamilton, Mississauga, Ottawa, London, Kitchener-Waterloo, Burlington, Oakville, Brampton, Niagara and Guelph each have a calculator page with local benchmarks and a worked example, so you start from something closer to reality than a national average.
Open Canadian data, labelled honestly
Neighbourhood and market context is drawn from open sources — Statistics Canada, CMHC rental market data, Bank of Canada rates, municipal open-data catalogues and OpenStreetMap — and every panel shows its source and how recent it is.
Where a figure cannot be sourced, it is marked as an AI estimate with a confidence level, or left empty. Nothing on this site invents an MLS number.
Free calculators to start with
Rental Property Calculator
A full rental property calculator: monthly cash flow, NOI, cap rate, DSCR and cash-on-cash return from price, rent, expenses and financing.
Cap Rate Calculator
Calculate the capitalization rate of a rental property from NOI and purchase price, with the formula, a worked example and how to interpret the result.
Maximum Offer Calculator
Work out the highest price you should pay for an investment property based on your target cap rate and your lender's DSCR requirement.
Analyze by Ontario market
Each market page carries local benchmarks — duplex price, price per unit, two-bedroom rent and the municipal tax rate — with the data vintage shown.
Frequently asked questions
Does the analyzer handle Ontario rent control?
Yes. It distinguishes units covered by rent regulation from units exempt because of a first-occupancy date after 15 November 2018, and models the growth in rental income accordingly instead of assuming market increases every year.
Is Toronto's municipal land transfer tax included?
Yes. Toronto's municipal land transfer tax is applied on top of the provincial charge in the acquisition costs, which materially changes the cash required to close and therefore the cash-on-cash return.
Is the property analyzer free to try?
Yes. The calculators and the first-pass underwriting on the Analyze page are free and unlimited, and no account is needed to run them. A full AI review — the deep second opinion that challenges your assumptions — is counted monthly: three on the free plan, twenty on Pro, seventy-five on Investor and two hundred and fifty on Professional.
Does it use MLS listing data?
Not yet. PropertyEdge does not scrape listing portals and will not invent MLS figures. Listing and sold-comparable panels stay honestly empty until a licensed data provider is connected. Municipal, neighbourhood, rent and interest-rate context comes from open sources such as Statistics Canada, CMHC, the Bank of Canada and municipal open-data catalogues, each labelled with its source and freshness.
Is this investment advice?
No. Every figure is an underwriting estimate built from the assumptions you can see and edit on screen. Anything the model estimates rather than sources is labelled as an estimate with a confidence level. Verify numbers with your own advisors before making an offer.
PropertyEdge provides analysis and estimates for informational purposes only. It is not investment, tax, legal or appraisal advice, and no return or investment outcome is guaranteed. Estimates are modelled from the assumptions shown and must be verified against leases, inspections, tax bills and municipal records before you make an offer.