123 robert Street, Toronto C01
Toronto C01
$1,849,900
Cash flow, cap rate & mortgage breakdown
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Listed by HOMELIFE/TREASURE REALTY LTD.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
2
Days on Market
43
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Attention Builders, Renovators, Savvy Investors & End Users! Rare opportunity to create something truly special in the heart of Harbord Village, one of Toronto's most sought-after neighbourhoods. This solid Detached 2-storey 4- bedroom Circa 1890 Victorian home offers endless possibilities - renovate, redesign, restore, or create an incredible investment opportunity in an unbeatable location. Featuring a rare detached double-car garage on a fully fenced private extra deep 22x172 foot lot!! with exceptional laneway access, this property has potential for a custom 2-storey laneway home creating incredible flexibility for multi-generational living, rental income, guest accommodations or future resale value. The existing home offers generous proportions across 2 storeys with endless design possibilities. Soaring approx 11 ft ceilings, tall windows, nice original trim,basboards and moulding. Turn the Huge kitchen into a chef inspired masterpiece.Mainfloor Family room or can be used as office or den with a walkout to yard. The basement features a separate entrance to the backyard and existing kitchen creating excellent potential for a separate income suite, in-law suite or multi-generational living arrangement. Build to sell, build to hold, renovate and customize, or create a one-of-a-kind urban compound. This location is truly exceptional. Steps to College Street's vibrant cafes, restaurants, boutiques and everyday conveniences. Enjoy incredible walkability with easy access to parks, excellent schools , UofT, TTC, transit connections, Kensington Market, Little Italy, Trinity Bellwoods and downtown Toronto. A rare opportunity, where location, lot functionality and future potential come together.
MississaugaInvestor.ca
123 robert Street
Detached · 4bd/2ba · ~1,300 sqft
$1,849,900
Cash-Flow Report · August 1, 2026
Cap Rate
1.26%
Monthly Cash Flow
-$6,579/mo
Estimated Rent
$5,440/mo
Cash-on-Cash
-19.42%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,440 |
| Mortgage | −$8,515 |
| Property Tax | −$1,465 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,542 |
| Vacancy (5%) | −$272 |
| Cash Flow | -$6,579/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$65,280 |
| Vacancy (5%) | −$3,264 |
| Property Tax | −$17,574 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$18,499 |
| Annual NOI | $23,243 |
| Cap Rate | 1.26% |
Cash Required to Close
| Down Payment (20%) | $369,980 |
| Ontario Land Transfer Tax | $33,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $406,453 |
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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