
987 Copperfield Drive, Oshawa
Oshawa
$1,099,000
Cash flow, cap rate & mortgage breakdown
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Listed by HOMELIFE/MIRACLE REALTY LTD
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
4
Days on Market
17
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,400/mo
Estimated from market price-to-rent ratios
Remarks
RAVINE LOT WITH FINISHED WALK-OUT BASEMENT! Beautiful all-brick 4+2 bedroom home backing onto Harmony Valley Conservation with tree-lined ravine views on two sides and no neighbours behind, offering exceptional privacy. Approximately 4,200 sq. ft. of finished living space featuring a gourmet kitchen with granite island, breakfast bar, backsplash, stainless steel appliances, and bright breakfast area with walk-out to a beautifully crafted deck, perfect for entertaining while enjoying the peaceful ravine setting. The sunken family room with gas fireplace is enhanced by huge windows that flood the home with natural light and showcase spectacular views. Main floor also offers separate living and dining rooms, private den, laundry room, powder room, and direct garage access. Elegant curved skylit staircase leads to 4 spacious bedrooms, including a luxurious primary suite with two walk-in closets and a Jacuzzi ensuite. Extensive hardwood flooring, pot lights, crown mouldings, French doors, and wainscoting throughout. Newly finished walk-out basement (2022) features 2 additional bedrooms, a 3-piece bathroom, large recreation/family room, and bright east-facing windows. Prime location close to parks, conservation trails, schools, shopping, transit, and all amenities. The power supply panel is 200Amps and has live connection for electric vehicle or inverter charging. Also there's a cold seller plus additional storage space in basement
MississaugaInvestor.ca
987 Copperfield Drive
Detached · 6bd/4ba · ~2,750 sqft
$1,099,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.97%
Monthly Cash Flow
-$4,170/mo
Estimated Rent
$3,400/mo
Cash-on-Cash
-20.74%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,400 |
| Mortgage | −$5,059 |
| Property Tax | −$1,200 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$916 |
| Vacancy (5%) | −$170 |
| Cash Flow | -$4,170/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$40,800 |
| Vacancy (5%) | −$2,040 |
| Property Tax | −$14,397 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$10,990 |
| Annual NOI | $10,673 |
| Cap Rate | 0.97% |
Cash Required to Close
| Down Payment (20%) | $219,800 |
| Ontario Land Transfer Tax | $18,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $241,255 |
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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