330 Nipigon Street, Oshawa
Oshawa
$699,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX Jazz INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
2
Days on Market
13
Price Drop
5%
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
North West Oshawa! Nestled in a quiet, highly desirable neighbourhood close to top-tier schools, beautiful parks, and prime shopping, this spacious 3+1 bedroom, 4-level sidesplit offers the perfect layout for a growing family. Unwind in the bright, formal living room featuring a massive picture window, or cozy up for movie night in front of the warm woodstove in the Family Room. The home's layout offers a separate back entrance providing direct access to the lower levels, complete with a bedroom and an elegant, updated 3-piece bathroom. Perfect for an extended family, a teen retreat, or excellent potential for an in-law suite!
MississaugaInvestor.ca
330 Nipigon Street
Detached · 4bd/2ba · ~1,300 sqft
$699,900
Cash-Flow Report · July 31, 2026
Cap Rate
3.23%
Monthly Cash Flow
-$1,336/mo
Estimated Rent
$3,640/mo
Cash-on-Cash
-10.45%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,640 |
| Mortgage | −$3,222 |
| Property Tax | −$764 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$583 |
| Vacancy (5%) | −$182 |
| Cash Flow | -$1,336/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$43,680 |
| Vacancy (5%) | −$2,184 |
| Property Tax | −$9,169 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,999 |
| Annual NOI | $22,628 |
| Cap Rate | 3.23% |
Cash Required to Close
| Down Payment (20%) | $139,980 |
| Ontario Land Transfer Tax | $10,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $153,453 |
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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