1032 Porcupine Path, Oshawa
Oshawa
$552,123
Cash flow, cap rate & mortgage breakdown
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Listed by MINTO REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
2
Bathrooms
3
Days on Market
39
Price Drop
8%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$1,900/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to The Heights of Harmony in North Oshawa, a master-planned community by award-winning builder Minto. This beautiful Pine 2 model offers a desirable North exposure and approximately 1,474 sq. ft. of thoughtfully designed living space. This stunning back-to-back townhome features 2 spacious bedrooms and 2.5 bathrooms, along with quality finishes throughout. Enjoy 9 ft. ceilings on the second floor, an inviting outdoor balcony, and laminate flooring on the second level (excluding tiled areas). The home also includes a single-car garage for added convenience. Perfectly located just steps from Highway 407, shopping, community centers, parks, Durham College, and Ontario Tech University (UOIT), this home provides both comfort and exceptional accessibility. Additional models and options are also available
MississaugaInvestor.ca
1032 Porcupine Path
Att/Row/Townhouse · 2bd/3ba · ~1,300 sqft
$552,123
Cash-Flow Report · July 31, 2026
Cap Rate
1.12%
Monthly Cash Flow
-$2,024/mo
Estimated Rent
$1,900/mo
Cash-on-Cash
-20.08%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$1,900 |
| Mortgage | −$2,541 |
| Property Tax | −$603 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$460 |
| Vacancy (5%) | −$95 |
| Cash Flow | -$2,024/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$22,800 |
| Vacancy (5%) | −$1,140 |
| Property Tax | −$7,233 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$5,521 |
| Annual NOI | $6,206 |
| Cap Rate | 1.12% |
Cash Required to Close
| Down Payment (20%) | $110,424.6 |
| Ontario Land Transfer Tax | $7,517 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $120,941.6 |
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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