326 Surrey Drive, Oshawa
Oshawa
$870,000
Cash flow, cap rate & mortgage breakdown
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Listed by HARVEST REALTY LTD.
Investment Analysis
Key Facts
Type
Triplex
Bedrooms
6
Bathrooms
3
Days on Market
53
Price Drop
3%
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
Look no further. Your search for investment property has just ended in this LEGAL TRIPLEX (CITY ZONING AVAILABLE). Nested on a quiet street and located in a prime location with easy access to 401, Costco, shopping, eateries, recreation and transit. ALL 3 UNITS ARE TENANTED. All 3 units are FULL 2 BEDROOM unit, each unit is self-contained with individual kitchen, hot mater tank, bathroom, front and back entrance, providing privacy and comfort for all occupants. Incredible land value. All electricals have been upgraded to breakers with individual new panel in each unit. Basement coin-op laundry provide extra income. Tenants pay own hydro and heat. NO AC. 3 outdoor parking and 3 storage shed included.
MississaugaInvestor.ca
326 Surrey Drive
Triplex · 6bd/3ba · ~2,250 sqft
$870,000
Cash-Flow Report · August 2, 2026
Cap Rate
4.85%
Monthly Cash Flow
-$489/mo
Estimated Rent
$5,700/mo
Cash-on-Cash
-3.07%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,700 |
| Mortgage | −$4,004 |
| Property Tax | −$950 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$725 |
| Vacancy (5%) | −$285 |
| Cash Flow | -$489/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$68,400 |
| Vacancy (5%) | −$3,420 |
| Property Tax | −$11,397 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,700 |
| Annual NOI | $42,183 |
| Cap Rate | 4.85% |
Cash Required to Close
| Down Payment (20%) | $174,000 |
| Ontario Land Transfer Tax | $13,875 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $190,875 |
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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