{"name":"Ontario investment property calculator (Invest)","description":"Ontario investment property calculator. Uses today's 5-year fixed mortgage rate (refreshed hourly), 20% minimum down payment for non-owner-occupied properties (CMHC insurance is not available for investment properties in Canada), and a 5% vacancy allowance. Returns cash flow (positive or negative), cap rate, cash-on-cash return in year 1, and the 30-year endgame projection using Ontario's long-run 5% appreciation and 2.5% annual rent escalation. Also estimates capital gains tax on eventual sale (50% inclusion at Ontario's 43% marginal rate). Use when a user asks about buying a rental property in Ontario, cap rates, cash flow, whether an investment property makes financial sense, or the 30-year hold return math. Do not use for primary residence questions (use /amiready or /payments) or questions requiring MLS listing data.","jurisdiction":"Ontario, Canada","parameters":{"price":"Target purchase price in CAD. Number. Required.","rent":"Expected monthly rent in CAD. Number. Required.","down":"Down payment in CAD. Number. Optional — defaults to 20% of price (minimum for investment property).","city":"Ontario city name for property tax calculation. Optional — defaults to midpoint of ~1.0% if omitted or unknown.","amortizationYears":"Amortization years. Number. Default 25.","rate":"Override mortgage rate as a percent. Optional — defaults to current Sanity 5-year fixed."},"example_call":"/api/ai/tools/invest?price=600000&down=120000&rent=2800&city=Hamilton","learn_more_url":"https://ayomac.com/invest","answer_page":"https://ayomac.com/answers/should-i-invest-in-real-estate-ontario","docs":"https://ayomac.com/answers/should-i-invest-in-real-estate-ontario","assumptions":{"minimum_down_pct":"20% — Canadian minimum for non-owner-occupied. CMHC insurance not available for investment properties.","property_tax_annual_pct":"1.00% — Ontario midpoint. Actual rate varies by city (Toronto 0.66% → Windsor 1.80%). City-specific rates baked in when city parameter is provided.","home_insurance_monthly":"90 CAD — rough estimate for a rental property. Actual varies by property + landlord coverage tier.","maintenance_annual_pct":"1.0% of property value — annual maintenance reserve. Doesn't hit evenly but WILL be needed for roof, HVAC, appliances, driveway.","vacancy_pct":"5% — factored into rental income for long-run realism.","annual_appreciation_rate":"5.0% — Ontario long-run home price appreciation.","annual_rent_escalation":"2.5% — Ontario Rent Increase Guideline cap (rent-controlled buildings only; newer buildings post-Nov 2018 exempt).","capital_gains_inclusion":"50% — CRA inclusion rate on non-primary residence sale gain.","ontario_marginal_rate_assumed":"43% — approximate Ontario marginal rate for mid-to-high earner. Your actual rate depends on total income."}}