Ph09- 633 Bay Street, Toronto C01
Toronto C01
$499,900
Cash flow, cap rate & mortgage breakdown
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Listed by NEW WORLD 2000 REALTY INC.
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
2
Bathrooms
1
Days on Market
132
Price Drop
13%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$1,950/mo
Estimated from market price-to-rent ratios
Remarks
Prime location! Sophisticated SUNNY PENTHOUSE condo with a view! Rare find! Perfect for young professionals/couples/small family! Fabulous location, spectacular city view, easy to rent! Enjoy the life of downtown convenience, food, and entertainment. Spent $$$ in Renos, modern kitchen, raised ceiling, den/office with built-in shelving, excellent layout. Bedroom with built-in closet. Superb amenities, including a spectacular rooftop view/barbecue/entertaining area, indoor pool, sauna, gym, 24 hour concierge. Parking available. Near public transit, hospitals, universities, Eaton center, the atrium, etc. A must see!
MississaugaInvestor.ca
Ph09- 633 Bay Street
Condo Apartment · 2bd/1ba · ~650 sqft
$499,900
Cash-Flow Report · August 3, 2026
Cap Rate
1.3%
Monthly Cash Flow
-$1,761/mo
Estimated Rent
$1,950/mo
Cash-on-Cash
-19.31%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$1,950 |
| Mortgage | −$2,301 |
| Property Tax | −$396 |
| Insurance | −$225 |
| Condo Fee | −$691 |
| Vacancy (5%) | −$98 |
| Cash Flow | -$1,761/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$23,400 |
| Vacancy (5%) | −$1,170 |
| Property Tax | −$4,749 |
| Insurance | −$2,700 |
| Condo Fee | −$8,292 |
| Annual NOI | $6,489 |
| Cap Rate | 1.3% |
Cash Required to Close
| Down Payment (20%) | $99,980 |
| Ontario Land Transfer Tax | $6,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $109,453 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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