“Show me the money” — every commercial buyer, staring at a listing’s cap rate like it’s the whole answer.

Here’s the problem: cap rate is unlevered. It tells you what a property yields if you paid cash for it — which almost nobody does. The second financing enters the picture, your actual return can look completely different from the number on the listing sheet. A 5% cap rate deal financed well can out-earn a 7% cap rate deal financed poorly.

So we built a free tool that shows you the rest of the story: cap rate, DSCR, cash-on-cash return, a reverse calculator (target cap rate → max price), break-even occupancy, and benchmark ranges by asset class.

Change any input and everything updates live. No spreadsheet required.

Read the full breakdown and try the calculator on MortgageClarity.ai →

We source commercial capital across Canada — not limited by region or property type. If you’re sizing up a deal, let’s talk.

Patrick Sawler | Principal Broker | Craigburn Capital
902-465-5533 | craigburn.com