
405 Bernhard Crescent, Oshawa
Oshawa
$777,000
Cash flow, cap rate & mortgage breakdown
Enter your email to unlock them right here.
Free forever. No credit card. Unsubscribe anytime.
Listed by Keller Williams Energy Real Estate
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
3
Days on Market
16
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Beautifully maintained and thoughtfully updated, this spacious bungalow sits on a premium 50-foot lot surrounded by mature trees in a sought-after family-friendly neighbourhood. Offering 3+1 bedrooms and 3 full bathrooms, this versatile home is ideal for growing families, multi-generational living, or savvy investors.The updated main floor features bright and inviting living spaces designed for comfortable everyday living. The functional layout offers three spacious bedrooms, a newly renovated bathroom with double sinks, and a bright open-concept living and dining area highlighted by a cozy gas fireplace. The updated kitchen features quartz countertops, stainless steel appliances, and a walk-out to the fully fenced backyard with a large deck, creating the perfect setting for summer entertaining.The finished basement provides even more living space with an electric fireplace, a 3-piece bathroom, and plenty of room for family movie nights, games, or a home office.Adding incredible flexibility, the converted garage has been transformed into a bright and spacious self-contained in-law suite with its own separate entrance. Featuring an open-concept layout, this private space includes a generous bedroom, full kitchen, 4-piece bathroom, and a comfortable living room with a gas fireplace, offering endless possibilities for extended family, guests, or potential rental income.Outside, exceptional curb appeal is highlighted by a beautiful stone walkway framed by mature landscaping. The oversized driveway accommodates up to six vehicles, providing ample parking for family and visitors.Conveniently located close to schools, parks, shopping, transit, and Hwy 401 and 407, this move-in-ready bungalow offers the perfect blend of space, flexibility, and value in an established community. A rare opportunity not to be missed!
MississaugaInvestor.ca
405 Bernhard Crescent
Detached · 4bd/3ba · ~1,300 sqft
$777,000
Cash-Flow Report · August 1, 2026
Cap Rate
2.9%
Monthly Cash Flow
-$1,697/mo
Estimated Rent
$3,790/mo
Cash-on-Cash
-11.95%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,790 |
| Mortgage | −$3,576 |
| Property Tax | −$848 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$648 |
| Vacancy (5%) | −$190 |
| Cash Flow | -$1,697/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$45,480 |
| Vacancy (5%) | −$2,274 |
| Property Tax | −$10,179 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,770 |
| Annual NOI | $22,557 |
| Cap Rate | 2.9% |
Cash Required to Close
| Down Payment (20%) | $155,400 |
| Ontario Land Transfer Tax | $12,015 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $170,415 |
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
Get the Full Cash-Flow Report
A one-page PDF: cap rate, cash flow, mortgage breakdown, NOI and total cash to close — all assumptions in one printable summary.
Also unlocks cap rate, sold comps & mortgage detail.