87 Gladstone Avenue, Oshawa
Oshawa
$439,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX HALLMARK REALTY LTD.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
1
Days on Market
28
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,200/mo
Estimated from market price-to-rent ratios
Remarks
Detached Home, Traditional 2-storey Layout. Separate Dining Area. 3 Bedrooms. 962 Sq'. Walking Distance To Amendities , Shopping, Schools, Transit & Parks. Nice Sized Lot 42 x 113. Property Being Sold "As Is"
MississaugaInvestor.ca
87 Gladstone Avenue
Detached · 3bd/1ba · ~900 sqft
$439,900
Cash-Flow Report · July 31, 2026
Cap Rate
2.78%
Monthly Cash Flow
-$1,007/mo
Estimated Rent
$2,200/mo
Cash-on-Cash
-12.55%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,200 |
| Mortgage | −$2,025 |
| Property Tax | −$480 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$367 |
| Vacancy (5%) | −$110 |
| Cash Flow | -$1,007/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$26,400 |
| Vacancy (5%) | −$1,320 |
| Property Tax | −$5,763 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$4,399 |
| Annual NOI | $12,218 |
| Cap Rate | 2.78% |
Cash Required to Close
| Down Payment (20%) | $87,980 |
| Ontario Land Transfer Tax | $5,273 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $96,253 |
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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