For physicians, dentists, physiotherapists & clinic owners

Grow Your Income, Not Your Hours

See in 2 minutes how much real estate could add to your income, without adding a single clinic hour.

Numbers are for illustration purposes only. Results are not guaranteed.

Grow Your Income,
Not Your Hours
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1What you make vs. what you want

You make good money, but your earnings are limited by how many hours you can work.

$
$
Your clinical time is worth
$169/hr

To make $450,000 a year at the clinic alone, you'd need about 591 more hours a year, equivalent to 13 extra weeks of work a year.

2With an Income Property

Based on a typical Hamilton Mountain single-family home with a legal basement suite.

  • Purchase price$650,000
  • Down payment20% ($130,000)
  • Rent$4,275/month (upstairs + basement)
  • Mortgage rate5.09% (5-year fixed)
  • Yearly appreciation6%*

Typical example; your results will vary. Sources: HonestDoor, Found Spaces (2026). *Average yearly growth in GTA home prices over the last 20 years (source: TRREB).

Use your own numbers
$
%
$
%
$
%

Here's your income and net worth with real estate

Average over
What you make now
$350,000
a year, from the clinic
What you want to make
$450,000
a year
With 2 income properties
$489,547
a year in income and net worth, same clinic hours

Each property adds about $69,773 a year in income and net worth, with no extra hours at the clinic. To reach $450,000, you'd need 2 income properties.

Over 10 years: clinic only vs. clinic + real estate

Clinic only

$3,500,000
Total clinic income

Clinic + real estate

$4,895,466
Clinic income + income and net worth from 2 properties

What your 2 properties give you over 10 years

That's $697,733 in total profit from each property (using the example above).

  • Rent your tenants pay+$1,123,442
  • Expenses (tax, insurance, upkeep, manager, mortgage)−$949,182
  • Cash flow (money in your pocket)+$174,260
  • Mortgage paydown+$193,104
  • Appreciation*+$1,028,102
  • Total profit+$1,395,466

Equity builds as your tenants pay down the mortgage and the property appreciates. That equity can supplement your retirement income or help you buy more income-generating properties. *Uses a 6% historical average yearly appreciation (source: TRREB).

Plus, tax savings. Rental costs like mortgage interest and property tax can usually be deducted from your rental income, which can lower how much tax you pay. Your accountant can show you how this works for you, including through your professional corporation.

Hard assets build wealth and add income over time

$0k$349k$698k$1.05M$1.40MY1Y2Y3Y4Y5Y6Y7Y8Y9Y10
Appreciation* Mortgage paydown Cash flow

*Assumes 6% yearly appreciation, the average yearly growth in GTA home prices over the last 20 years (source: TRREB). Past performance doesn't guarantee future results.

Find out how to increase your income with no extra work.

Join our free training class to learn how professionals like you are growing their income with real estate, without adding hours to their week.

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Based on a typical example, for illustration only. Your results will vary. Not a forecast or guarantee. Appreciation uses a long-term historical average based on TRREB data; past performance does not guarantee future results. The illustration includes mortgage payments (Canadian semi-annual compounding), property tax, insurance, maintenance and professional management. Figures are before income tax. Closing costs when you buy (land transfer tax, legal fees) and selling costs are not included. Rock Star Real Estate's team are licensed real estate professionals, not lawyers, accountants or tax advisors. Speak with qualified advisors, including about owning personally or through a corporation.