CalculQuébec · Real Estate

Plex Analyzer — paste the link, the analysis runs itself

100% free. The calculations run in your browser. By link, only the public URL of the listing is sent to the reading relay; by pasted text, everything stays local.

Example — numbers from the real reference Centris listing CMHC parameters verified on November 7, 2026

Price1 079 000 $
Revenue74 868 $
NOI55 126 $
GRM14.41
Free · no account · verdict in seconds

Step 1 — Read the listing

By link: the public address of the listing is sent to our reading relay, which fetches the page and extracts its text to analyze it here. No other data is sent.

or paste the listing text

Copy the full listing text (description, revenue and expenses included), then click "Analyze the listing". By pasting, the text stays 100% local: it is sent nowhere.

Hunt Mode — compare up to 10 listings

Several listings to compare? This is the parallel path to Step 1: a single listing is analyzed in the steps below; several are compared here. Paste one link per line. The comparison uses the current form settings (financing + assumptions, steps 3 and 4 below) for all the listings.

Step 2 — The listing

The figures detected in the listing, editable: results recalculate live as you type. The address and year built are shown for information.

Display only: annual revenue ÷ 12.

Detected or empty. If it is not detected, an estimate is included in "Other annual expenses" (step 4), never here.

Step 3 — Your financing

CMHC premium grid and minimum down payment — verified on November 7, 2026 (source: CMHC). Details in “Sources and verification” below the results.

Land transfer duties, notary, inspection… (default: $0)

Step 4 — Assumptions

One single line: detected electricity, heating, maintenance, snow removal, management and other expenses, grouped together. If maintenance or insurance was not detected, its estimate is included here.

The annual rent and expense increases are only used in the 5-year projection.

Results

Your verdict will appear here. Paste a listing link in step 1, or load the hero example: the verdict, NOI and cashflow show as soon as the analysis runs, without scrolling through the whole page.

Recalculated live from the figures above.

Verdict

Waiting

Waiting for an analysis

Monthly cashflow

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    Visual benchmarks — not financial advice.

    Compare with other listings ↑

    The money coming in and going out

    Where every rent dollar goes, in $/month: what comes in, what goes to expenses, what goes to the bank — and what is left.

    Annual waterfall — from gross revenue to cashflow

    What this tells you: how gross revenue becomes (or not) cashflow, step by step, in $/year. Each bar carries its amount written out.

    Operating expenses — excluding mortgage

    Each item's share of annual operating expenses. The mortgage is not included here: it is in the flow above.

      Annual net operating income (NOI)

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      Cap rate

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      Gross rent multiplier (GRM)

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      Monthly mortgage payment

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      Cash-on-cash return

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      DSCR (debt-service coverage ratio)

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      NOI ÷ annual debt service

      Price per unit

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      Average rent per unit

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      per month, gross revenue ÷ units ÷ 12

      Total cash to pay out at purchase

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      Down payment + purchase fees

      Calculation detail

      Financing as the bank sees it

      Maximum price not to exceed

      Convention: the down payment follows the % entered in step 3 (loan = price × (1 − down %)); revenue, expenses, rate and amortization stay as in the form. Negative gap = the listing is above the benchmark.

      Max price — $0/month cashflow

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      Max price — target cap rate

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      Financeability — lender view

      How a lender sees the deal: economic value = NOI ÷ lender rate; likely maximum loan = maximum loan-to-value × the lesser of the asking price and the economic value.

      Estimated economic value

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      Asking price: —

      Gap: —

      Likely maximum loan

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      Lender DSCR: —

      Likely actual down payment

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      Your current scenario: —

      Total real cash (with purchase fees): —

      A broker's working estimates — not a lender approval.

      Stress tests — one tap

      Each chip shows the monthly cashflow of the scenario, calculated without changing your fields. Tap the active chip to return to the base scenario. "Expenses +10%" multiplies total expenses by 1.10; "Cautious scenario" combines all four.

      The next 5 years

      Tap a year to see the detail. Debt service is at the current rate, before renewal.

      Property value — Year 5

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      Mortgage balance

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      Total equity

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      Cumulative principal repaid

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      Year's cashflow

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      Cumulative cashflow

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      Possible refinancing (80%)

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      To check before buying

        What a broker would check

        The questions to ask before buying, generated from the facts detected in the listing — to check, not answers.

        The link contains the analysis encoded on the client side (nothing is sent to the server): whoever opens it sees exactly these numbers and badges.

        Optional: these two fields only sign the PDF. They are never sent, and never included in the shareable link.

        The PDF is a structured report (A4) generated from the results above. On Android: the button opens Chrome’s print dialog — choose "Save as PDF".

        Sources and verification

        Continue with CalculQuébec

        CMHC grid — parameters verified on November 7, 2026

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