The cash flow side is usually the easier calculation. A landlord already knows current rent, vacancy history and operating expenses, and can compare that net return against what the equity would earn if it were freed up and redeployed elsewhere in the market.
Appreciation is harder to judge without current data. Saskatoon's benchmark home price sits at $444,700 per the Saskatchewan REALTORS Association's most recent report, and comparing that trend against your specific property and street is the only way to know whether holding still makes sense for you.
Upcoming capital expenses like a roof or furnace, tenant quality, and whether any secondary suite is legally permitted all shift the math further. Get your hand-reviewed valuation from Joel Dyck.