📞 1.825.305.3002 ✉ chris@thechristopher.ca

Should You Rent It Out or Sell?

Compare the cash you'd put in your pocket today by selling against the cash flow and equity you'd build by renting it out. Built for Alberta homeowners by Christopher Kellett at Power Properties Ltd.

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Christopher Kellett

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Sell Today – Cash in Hand

$0
Net proceeds, today
Sale price$0
Less: realtor commission$0
Less: legal & closing$0
Less: mortgage payoff$0
Net proceeds in hand$0
💵 This is the lump sum that lands in your bank account on closing day.

Rent It Out – Annual Cash Flow

$0
Year 1 cash flow ($0/mo)
Annual rent$0
Less: property tax$0
Less: insurance$0
Less: condo / HOA$0
Less: property management$0
Less: mortgage interest (true expense)$0
Less: mortgage principal (= equity built)$0
Year 1 cash flow$0
💡 Principal payments aren't a real expense — every dollar of principal you pay converts into your equity. Add back this year's $0 in principal payments plus $0 in appreciation, and your true Year 1 wealth gain is $0.

Multi-Year Snapshots

Here's how your numbers evolve if you keep renting — with your assumed rent growth and appreciation applied each year. No future projections, just snapshot views.

Year 1 (Today)

Monthly rent$0
Annual cash flow$0
Mortgage interest$0
Mortgage principal$0
Home value$0
Mortgage balance$0
Annual wealth gain$0

Year 5

Monthly rent$0
Annual cash flow$0
Mortgage interest$0
Mortgage principal$0
Home value$0
Mortgage balance$0
Annual wealth gain$0

Year 10

Monthly rent$0
Annual cash flow$0
Mortgage interest$0
Mortgage principal$0
Home value$0
Mortgage balance$0
Annual wealth gain$0

Year-by-Year Detail (Years 1–10)

Full breakdown of each year if you keep the property as a rental — rent growth and appreciation applied each year, mortgage principal vs. interest tracked precisely.

Year Monthly Rent(this year) Cash FlowAnnual Cash FlowCumulative InterestAnnual PrincipalAnnual (equity) Home ValueEnd of year Mortgage Bal.End of year Wealth GainAnnual Wealth GainCumulative

Watch the trend: as rent grows, mortgage balance shrinks, and home value compounds, your annual wealth gain accelerates each year.

Christopher Kellett
Real Estate Professional · Calgary, AB

Meet Christopher Kellett

Whether you're weighing whether to sell or rent, navigating a tough market, or building an investment portfolio — I help Calgary homeowners turn the right calculation into the right decision. With Power Properties Ltd. behind me, you get full-service real estate and property management under one roof.

Let's talk through your numbers.

Get in Touch →
Renting it out

Property Management with Power Properties

Thinking about keeping the property as a rental? Power Properties Ltd. handles tenant placement, screening, rent collection, maintenance coordination, and reporting — so you keep the cash flow without the headaches.

Learn About Property Management →
Selling

Free Home Valuation

Considering selling? Get a free, no-obligation home valuation and selling consultation. Find out what your home is really worth in today's market and what to expect from the sale process.

Request Free Home Valuation →

Want help running these numbers for your property?

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Disclaimer: This calculator provides estimates only and is not financial, tax, or legal advice. Tax treatment of real estate (capital gains, principal residence exemption, change-in-use rules, capital cost allowance, GST/HST on certain situations) is complex and depends on your specific circumstances. Always consult a qualified accountant and financial advisor before making a decision.