2609- 365 Church Street, Toronto C08
Toronto C08
$498,000
Cash flow, cap rate & mortgage breakdown
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Listed by SUPERSTARS REALTY LTD.
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
2
Bathrooms
1
Days on Market
3
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$1,950/mo
Estimated from market price-to-rent ratios
Remarks
Soaring ceilings, sun-filled interiors, and an unbeatable downtown location. Welcome to this beautifully designed 1+Den residence at 365 Church Street. Thoughtfully laid out to maximize space and functionality, this east-facing suite is bathed in natural morning light through large windows. The generous den offers the flexibility of a dedicated home office, guest room, or creative space, while the open-concept living area seamlessly blends style and comfort. Enjoy the rare convenience of ample complimentary underground visitor parking, making it easy to host family and friends in the heart of the city. Set in one of downtown Toronto's most vibrant neighbourhoods, you're just steps from TMU, the University of Toronto, Eaton Centre, College Park, TTC subway stations, acclaimed restaurants, cafés, grocery stores, and everyday essentials. Whether you're searching for your next home or a savvy investment, this exceptional residence offers the perfect balance of modern living, convenience, and connectivity.
MississaugaInvestor.ca
2609- 365 Church Street
Condo Apartment · 2bd/1ba · ~550 sqft
$498,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.47%
Monthly Cash Flow
-$1,684/mo
Estimated Rent
$1,950/mo
Cash-on-Cash
-18.53%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$1,950 |
| Mortgage | −$2,292 |
| Property Tax | −$394 |
| Insurance | −$225 |
| Condo Fee | −$625 |
| Vacancy (5%) | −$98 |
| Cash Flow | -$1,684/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$23,400 |
| Vacancy (5%) | −$1,170 |
| Property Tax | −$4,731 |
| Insurance | −$2,700 |
| Condo Fee | −$7,500 |
| Annual NOI | $7,299 |
| Cap Rate | 1.47% |
Cash Required to Close
| Down Payment (20%) | $99,600 |
| Ontario Land Transfer Tax | $6,435 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $109,035 |
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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