🏡 5-Year Investor Projection – STR Upper/Lower Suite (Calgary)
Assumptions
- Purchase Price: $1,035,000
- All-In Basis: $1,085,000
- Down Payment: $207,000
- Loan: ~$828,000 @ ~5.0%
- Principal Paydown: ~$20K/yr → ~$728K by Year 5
- Market Appreciation: 3%/yr (base residential comps)
- STR Premium Exit: +10–15% on market value (we show mid-case +12.5%)
- Cash Flow: Partner takes 100% ($40K–90K/yr depending on revenue)
- Equity Split: You 20% | Partner 80%
- CapEx: $50,000 setup excluded from equity basis
📊 Scenario 1 – ($150K Gross Revenue)
Annual Performance
| Year |
Gross Revenue |
NOI (ex-debt) |
Debt Service |
Cash Flow (Partner) |
Loan Balance |
Market Value (Comps) |
STR Premium Value (+12.5%) |
Net Equity (Premium – Loan) |
| 1 |
$150K |
$104K |
$64K |
$40K |
$808K |
$1.20M |
$1.35M |
$542K |
| 2 |
$155K |
$109K |
$64K |
$45K |
$788K |
$1.24M |
$1.40M |
$612K |
| 3 |
$159K |
$113K |
$64K |
$49K |
$768K |
$1.28M |
$1.44M |
$672K |
| 4 |
$164K |
$118K |
$64K |
$54K |
$748K |
$1.32M |
$1.49M |
$742K |
| 5 |
$169K |
$123K |
$64K |
$59K |
$728K |
$1.36M |
$1.53M |
$802K |
24-Month Totals – Partner Earnings
- Cash Flow (24 mo): ~$85K (Year-1 $40K + Year-2 $45K)
- Equity at Sale (80% of $612K): ~$490K