147 Gerrard Street, Toronto C08
Toronto C08
$650,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX SPECIALISTS TEAM SUKHVINDER
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
16
Bathrooms
3
Days on Market
10
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,100/mo
Estimated from market price-to-rent ratios
Remarks
Power of Sale opportunity at 147 Gerrard St E. Three-storey corner townhouse situated on a 16.79 x 96.00 ft lot with two rear parking spaces. Property is reportedly configured as a 16-bedroom rooming house, offering potential for substantial monthly rental income and an attractive cap rate. Property is being sold strictly "as is, where is," with no representations or warranties
MississaugaInvestor.ca
147 Gerrard Street
Att/Row/Townhouse · 16bd/3ba · ~2,750 sqft
$650,000
Cash-Flow Report · July 31, 2026
Cap Rate
3.07%
Monthly Cash Flow
-$1,329/mo
Estimated Rent
$3,100/mo
Cash-on-Cash
-11.19%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,100 |
| Mortgage | −$2,992 |
| Property Tax | −$515 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$542 |
| Vacancy (5%) | −$155 |
| Cash Flow | -$1,329/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$37,200 |
| Vacancy (5%) | −$1,860 |
| Property Tax | −$6,175 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,500 |
| Annual NOI | $19,965 |
| Cap Rate | 3.07% |
Cash Required to Close
| Down Payment (20%) | $130,000 |
| Ontario Land Transfer Tax | $9,475 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $142,475 |
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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