311- 45 Charles Street, Toronto C08
Toronto C08
$949,000
Cash flow, cap rate & mortgage breakdown
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Listed by HOMELIFE LANDMARK REALTY INC.
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
4
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,050/mo
Estimated from market price-to-rent ratios
Remarks
This Inviting Downtown Apartment Comes?with Influence,Elegance&Affluence On Charles St.E. To Balance This Residence's Clean&Contemporary Lines Are Unexpected Prodigious Windows Dressed In White,9Ft Gallery Walls Beseeching Large Scale Art, Rich &Warm Wide Planks Floors,Custom Millwork&Built-Ins Abound.Over 1200 Sq.Ft Of Premium Opulence Located Just A Stone's Throw From Toronto's Yorkville Neighbourhood Peppered With World-Class Boutiques,Hotels&Restaurants.
MississaugaInvestor.ca
311- 45 Charles Street
Condo Apartment · 4bd/2ba · ~1,300 sqft
$949,000
Cash-Flow Report · August 1, 2026
Cap Rate
0.95%
Monthly Cash Flow
-$3,618/mo
Estimated Rent
$3,050/mo
Cash-on-Cash
-20.85%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,050 |
| Mortgage | −$4,368 |
| Property Tax | −$751 |
| Insurance | −$225 |
| Condo Fee | −$1,171 |
| Vacancy (5%) | −$153 |
| Cash Flow | -$3,618/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$36,600 |
| Vacancy (5%) | −$1,830 |
| Property Tax | −$9,016 |
| Insurance | −$2,700 |
| Condo Fee | −$14,052 |
| Annual NOI | $9,002 |
| Cap Rate | 0.95% |
Cash Required to Close
| Down Payment (20%) | $189,800 |
| Ontario Land Transfer Tax | $15,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $208,255 |
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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