3531 Simcoe Street, Oshawa
Oshawa
$637,500
Cash flow, cap rate & mortgage breakdown
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Listed by Royal LePage Frank Real Estate
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
2
Days on Market
31
Price Drop
3%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,400/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to prestigious Columbus living at its finest! This gorgeous 2 storey family sized home sits on a premium, oversized lot directly across from the scenic Columbus Golf Course, offering a rare blend of space, privacy, and location. Featuring an updated kitchen and the convenience of a main floor bathroom, this home is perfect for comfortable everyday living. Enjoy a large, private backyard, ideal for entertaining, relaxing, or whatever you can imagine! Located just minutes to the 407 for an easy commute and close to all the amenities of North Oshawa, this is a fantastic opportunity to own in one of the area's most desirable addresses.
MississaugaInvestor.ca
3531 Simcoe Street
Detached · 3bd/2ba · ~1,300 sqft
$637,500
Cash-Flow Report · July 31, 2026
Cap Rate
1.56%
Monthly Cash Flow
-$2,106/mo
Estimated Rent
$2,400/mo
Cash-on-Cash
-18.09%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,400 |
| Mortgage | −$2,934 |
| Property Tax | −$696 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$531 |
| Vacancy (5%) | −$120 |
| Cash Flow | -$2,106/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$28,800 |
| Vacancy (5%) | −$1,440 |
| Property Tax | −$8,351 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,375 |
| Annual NOI | $9,934 |
| Cap Rate | 1.56% |
Cash Required to Close
| Down Payment (20%) | $127,500 |
| Ontario Land Transfer Tax | $9,225 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $139,725 |
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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