580 Digby Avenue, Oshawa
Oshawa
$989,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 NEW CONCEPT
Investment Analysis
Key Facts
Type
Triplex
Bedrooms
6
Bathrooms
3
Days on Market
87
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
Estimated per-unit rents for triplex based on GTA rental market data
Remarks
This Well Maintained Three 2 Bedroom Unit Triplex With 6 Parking Spots, Is Located In The Heart Of Oshawa. Convenient And Quiet Location With Easy Access To Shopping, Recreation, Transit And Go. Public, Separate And Private Schools Nearby. Each Unit Has 2 Designated Parking Spots. Coin Laundry For Upper Two Units. Renovated Lower Unit With High End Finishes & Appliances And Has Its Own Ensuite Laundry. : Complete With A Newly Fenced Yard. Extras: New Roof! Incredible land value, with the added benefit of moving into one unit and having a rental income as cash flow. A new coin operated washer and dryer was recently installed. Newer roof and coin operated laundry in common laundry area for 2nd and 3rd apartment ( 1st floor apartment has ensuite laundry ) - There is NO AC, and heating is electric baseboard.
MississaugaInvestor.ca
580 Digby Avenue
Triplex · 6bd/3ba · ~2,250 sqft
$989,000
Cash-Flow Report · August 1, 2026
Cap Rate
3.99%
Monthly Cash Flow
-$1,266/mo
Estimated Rent
$5,700/mo
Cash-on-Cash
-7%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,700 |
| Mortgage | −$4,552 |
| Property Tax | −$1,080 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$824 |
| Vacancy (5%) | −$285 |
| Cash Flow | -$1,266/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$68,400 |
| Vacancy (5%) | −$3,420 |
| Property Tax | −$12,956 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,890 |
| Annual NOI | $39,434 |
| Cap Rate | 3.99% |
Cash Required to Close
| Down Payment (20%) | $197,800 |
| Ontario Land Transfer Tax | $16,255 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $217,055 |
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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