
3902- 99 Harbour Square, Toronto C01
Toronto C01
$838,000
Cash flow, cap rate & mortgage breakdown
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Listed by HC REALTY GROUP INC.
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
2
Bathrooms
2
Days on Market
9
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,300/mo
Estimated from market price-to-rent ratios
Remarks
WATERFRONT LIVING AT ITS FINEST! Welcome to Suite 3902 at 99 Harbour Square - a rare opportunity to own a stunning corner unit in one of Toronto's most iconic waterfront communities. This spacious 2-bedroom, 2-bathroom residence offers 987 sq. ft. of bright, open-concept living with breathtaking, unobstructed views of the Toronto Islands and Lake Ontario. The suite features elegant Mercier engineered oak hardwood flooring throughout, complemented by tile flooring in the kitchen and bathrooms, along with a modern kitchen equipped with stainless steel appliances, cultured granite countertops, and ample storage - perfect for both everyday living and entertaining. Large windows flood the space with natural light, creating a warm and inviting atmosphere in every room, while the convenience of a locker located on the same floor adds to the ease of living. Situated in an unbeatable downtown location, you are just steps from the waterfront, Harbourfront Centre, Union Station, UP Express, GO Transit, scenic bike paths, and some of Toronto's best dining and entertainment. Maintenance fees include ALL utilities for truly worry-free living and exceptional value. Residents enjoy access to an impressive suite of amenities including 24-hour concierge, indoor pool, hot tub, sauna, fully equipped gym, squash and basketball courts, aerobics studio, library, on-site restaurant, outdoor patio with BBQs, visitor parking, and a convenient shuttle bus service - offering the perfect blend of vibrant urban lifestyle and serene waterfront retreat. Don't miss your chance to experience it in person!
MississaugaInvestor.ca
3902- 99 Harbour Square
Condo Apartment · 2bd/2ba · ~950 sqft
$838,000
Cash-Flow Report · August 4, 2026
Cap Rate
-0.08%
Monthly Cash Flow
-$3,911/mo
Estimated Rent
$2,300/mo
Cash-on-Cash
-25.53%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,300 |
| Mortgage | −$3,857 |
| Property Tax | −$663 |
| Insurance | −$225 |
| Condo Fee | −$1,351 |
| Vacancy (5%) | −$115 |
| Cash Flow | -$3,911/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$27,600 |
| Vacancy (5%) | −$1,380 |
| Property Tax | −$7,961 |
| Insurance | −$2,700 |
| Condo Fee | −$16,212 |
| Annual NOI | $-653 |
| Cap Rate | -0.08% |
Cash Required to Close
| Down Payment (20%) | $167,600 |
| Ontario Land Transfer Tax | $13,235 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $183,835 |
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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