Strongest entered downside
Existing fourplex
After debt / month
$225 surplusCash required
$338,000Base DSCR
1.05Downside DSCR
0.74Income evidence 58/100 · 4 income doorsEdit assumptions
Calgary fourplex Deal Lab
Compare the monthly reality—not just the asking price.
Put up to four options on the same assumptions. See cash required, monthly contribution or surplus, income quality and what happens when the deal gets worse.
The answer first
Which entered option handles the downside best?
Ranked by downside debt coverage, then base cap rate. This compares your inputs; it is not a valuation or recommendation.
2
Below your targetRank 2
Owner-occupied option
Monthly contribution
$1,493 contributionCash required
$153,000Base DSCR
0.73Downside DSCR
0.52Income evidence 65/100 · 3 income doorsEdit assumptions
Change the shared downside test
Edit the comparison
One card per property. Four income doors each.
Start with price, the door rents and financing. Open detailed assumptions only when you need them.
The four doors
Mark your own home so its rent is excluded.
Financing, expenses and additional costs
Monthly reality
$225 surplusafter vacancy, operating expenses and mortgage debt
- Cash required
- $338,000
- NOI / year
- $61,697
- Base DSCR
- 1.05
- Downside / month
- $1,465 contribution
- Break-even rent
- $1,960 / door
- Income evidence
- 58 / 100
All-in cost $1,163,000 · cap rate 5.30%
The four doors
Mark your own home so its rent is excluded.
Financing, expenses and additional costs
Monthly reality
$1,493 contributionafter vacancy, operating expenses and mortgage debt
- Cash required
- $153,000
- NOI / year
- $49,658
- Base DSCR
- 0.73
- Downside / month
- $3,104 contribution
- Break-even rent
- $2,994 / door
- Income evidence
- 65 / 100
All-in cost $1,098,000 · cap rate 4.52%
Use the result carefully
A comparison screen—not a green light
Same yardstick
Every option uses the same downside assumptions, so hidden optimism is easier to spot.
Income has a confidence level
A market estimate is not treated like a signed lease supported by receipts.
Evidence still wins
Confirm leases, expenses, financing, condition and legal configuration before relying on the output.
Transparent arithmetic on the assumptions you enter. This is not a valuation, appraisal, lending decision or forecast.