Reading your result honestly

A negative number here doesn’t automatically mean a bad investment — principal paydown and long-term appreciation are real — but it does mean you’re funding the gap from your own pocket every month, and you should know that number before you buy or decide whether to keep holding. Widely reported CIBC/Urbanation analysis found the majority of Toronto investors with new condo mortgages in negative monthly cash flow, which is exactly why running this math matters now.

Deciding whether to hold or sell an underwater rental? Start with what the unit is actually worth today using the condo value estimator or home value estimator, then read Does an Etobicoke Investment Condo Actually Cash Flow in 2026? and what the 35-year sales low means for sellers.