645 Fraser Avenue, Oshawa
Oshawa
$1,235,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX COMMUNITY REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
7
Days on Market
164
Price Drop
1%
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,550/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to this stunning custom built home in a quiet Oshawa neighbourhood. Featuring 4spacious bedrooms, each with its own ensuite, this home offers modern open concept living with hardwood floors, pot lights, and an elegant solid wood staircase. The luxury kitchen includes quartz countertops, a large island, and high end appliances. The primary bedroom boasts a walk-in closet and a 5-piece ensuite. Enjoy the electric fireplace, large front walkout balcony, high garage ceilings, reverse osmosis system, and full-size washer and dryer. The finished basement includes two kitchens and two separate entrances, ideal for rental income or extended family. Conveniently located close to downtown Oshawa, Ontario Tech University, Oshawa GO Station, shopping, parks, schools, Highway 401.
MississaugaInvestor.ca
645 Fraser Avenue
Detached · 6bd/7ba · ~2,750 sqft
$1,235,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.75%
Monthly Cash Flow
-$4,915/mo
Estimated Rent
$3,550/mo
Cash-on-Cash
-21.75%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,550 |
| Mortgage | −$5,685 |
| Property Tax | −$1,348 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,029 |
| Vacancy (5%) | −$178 |
| Cash Flow | -$4,915/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$42,600 |
| Vacancy (5%) | −$2,130 |
| Property Tax | −$16,179 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$12,350 |
| Annual NOI | $9,241 |
| Cap Rate | 0.75% |
Cash Required to Close
| Down Payment (20%) | $247,000 |
| Ontario Land Transfer Tax | $21,175 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $271,175 |
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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