
113 Pontiac Avenue, Oshawa
Oshawa
$749,000
Cash flow, cap rate & mortgage breakdown
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Listed by HOMELIFE/MIRACLE REALTY LTD
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
4
Days on Market
8
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,445/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Stunning TWO (2) unit basement with 3+2 bedroom, 4-bath detached bungalow in the heart of Oshawa is a true masterpiece! Recently fully renovated in 2026, this home boasts high-end finishes throughout,TURN KEY Property with endless possibilities for Investors, 1st time buyers & upgrade from condo to Freehold. Recently Renovated 3+2 Bedroom with Separate entrance. High Rental Income-very less monthly Mortgage payments. Located in heart of Oshawa North. Just 3.5km from Ontario Tech University. Potential Tenant available year around who willing to maximize rent.The Spacious bedrooms are bathed in natural light, offering ample space for the whole family. The bathrooms are equally impressive, with premium tiles, quartz counters and high-end vanities adding a touch of luxury to your daily routine.Massive 52 X 144 Ft Lot. Enjoy huge backyard perfect for entertaining or family fun. Located in a family-friendly neighbourhood. Step outside to enjoy freshly painted wood built deck overlooking a large & deep lot ideal for outdoor entertaining and relaxation.Exquisite eat in kitchen with granite countertops Open concept living and dining rooms with crown mouldings. 3 well appointed bedrooms on main level & beautifully renovated two (2) full washroom hardwood floors & crown mouldings.Separate entrance to LUXURY renovated lower level with TWO seperate unit, TWO full washroom and spacious RAC room Step outside to discover the spacious backyard with large deck perfect for entertaining for family & friends along with desirable & convenient neighbourhood & unmatched potential.The expansive driveway offers parking for 5+ vehicles, making this home as practical as it is beautiful. Whether you're a growing family, first-time home buyer, or an investor, this property close to All Amenities, Shopping mall, Minutes to 401, Schools, Public Transit & Parks..
MississaugaInvestor.ca
113 Pontiac Avenue
Detached · 5bd/4ba · ~900 sqft
$749,000
Cash-Flow Report · July 31, 2026
Cap Rate
3.41%
Monthly Cash Flow
-$1,320/mo
Estimated Rent
$3,995/mo
Cash-on-Cash
-9.64%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,995 |
| Mortgage | −$3,448 |
| Property Tax | −$818 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$624 |
| Vacancy (5%) | −$200 |
| Cash Flow | -$1,320/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$47,940 |
| Vacancy (5%) | −$2,397 |
| Property Tax | −$9,812 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,490 |
| Annual NOI | $25,541 |
| Cap Rate | 3.41% |
Cash Required to Close
| Down Payment (20%) | $149,800 |
| Ontario Land Transfer Tax | $11,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $164,255 |
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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