409- 42 Charles Street, Toronto C08
Toronto C08
$699,000
Cash flow, cap rate & mortgage breakdown
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Listed by KELLER WILLIAMS REFERRED URBAN REALTY
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
2
Bathrooms
1
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,150/mo
Estimated from market price-to-rent ratios
Remarks
Luxury 2 Bedroom Unit-Casa 2, With Rare Parking Spot And Wrap Around 307 Sf Terrace! Unbeatable Urban Location: Steps To Yonge And Bloor, 2 Subway Lines, Bloor Street Shopping, Uoft, Yorkville, Restaurants And Grocery Stores!! Soaring 20Ft Lobby, State Of The Art Amenities Floor Including Fully Equipped Gym, Rooftop Lounge, And Outdoor Infinity Pool.
MississaugaInvestor.ca
409- 42 Charles Street
Condo Apartment · 2bd/1ba · ~650 sqft
$699,000
Cash-Flow Report · August 1, 2026
Cap Rate
1.08%
Monthly Cash Flow
-$2,587/mo
Estimated Rent
$2,150/mo
Cash-on-Cash
-20.26%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,150 |
| Mortgage | −$3,217 |
| Property Tax | −$553 |
| Insurance | −$225 |
| Condo Fee | −$634 |
| Vacancy (5%) | −$108 |
| Cash Flow | -$2,587/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$25,800 |
| Vacancy (5%) | −$1,290 |
| Property Tax | −$6,641 |
| Insurance | −$2,700 |
| Condo Fee | −$7,608 |
| Annual NOI | $7,561 |
| Cap Rate | 1.08% |
Cash Required to Close
| Down Payment (20%) | $139,800 |
| Ontario Land Transfer Tax | $10,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $153,255 |
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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