544 Harmony Road, Oshawa
Oshawa
$499,888
Cash flow, cap rate & mortgage breakdown
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Listed by Right At Home Realty
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
1
Days on Market
2
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,250/mo
Estimated from market price-to-rent ratios
Remarks
Close to 401 for easy commute. Minutes to shopping and schools. This detached brick bungalow has 3 bedrooms on the main floor all with hardwood flooring. The large living room has a huge window to accommodate tons of natural light and is combined with a large dining room to enjoy those family get togethers. The kitchen has been updated and offers easy access to the back yard. The basement boasts a great rec room to enjoy with family and friends. There is also an office and good size utility/workshop room. The back yard is surprisingly large with ample room to do multiple projects. This home is heated by electric heat pump which also provides cool air during those hot summer months. This home will not last !!
MississaugaInvestor.ca
544 Harmony Road
Detached · 3bd/1ba · ~1,300 sqft
$499,888
Cash-Flow Report · July 31, 2026
Cap Rate
2.28%
Monthly Cash Flow
-$1,352/mo
Estimated Rent
$2,250/mo
Cash-on-Cash
-14.82%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,250 |
| Mortgage | −$2,301 |
| Property Tax | −$546 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$417 |
| Vacancy (5%) | −$113 |
| Cash Flow | -$1,352/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$27,000 |
| Vacancy (5%) | −$1,350 |
| Property Tax | −$6,549 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$4,999 |
| Annual NOI | $11,402 |
| Cap Rate | 2.28% |
Cash Required to Close
| Down Payment (20%) | $99,977.6 |
| Ontario Land Transfer Tax | $6,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $109,450.6 |
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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