
214 Gainsborough Road, Toronto E02
Toronto E02
$1,249,000
Cash flow, cap rate & mortgage breakdown
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Listed by BSPOKE REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
2
Days on Market
2
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,250/mo
Estimated from market price-to-rent ratios
Remarks
Move in before school starts! This beautifully maintained detached three bed, two bath home is set on a generous lot on one of the Beach Hill's most welcoming streets. Thoughtfully cared for over the years, it blends the warmth and character of a classic Toronto home with the comfort and functionality today's families appreciate. Generous bright principal rooms, hardwood floors, east/west exposure, and a wood-burning fireplace create inviting living spaces. The kitchen has granite countertops and stainless steel appliances, which overlooks the very private backyard featuring a large deck, mature perennial gardens, and a magnificent tree. Original details, including vintage door knobs and pineapple banister finials, add timeless character throughout. The finished basement offers exceptional flexibility with built-in storage, a Murphy bed, and a three-piece bathroom. At the end of the street lies the peaceful Williamson Park Ravine and steps to parks, schools including Bowmore Road Jr Sr PS and French-language programs, community centre, local cafés, restaurants, shops, transit, and everyday amenities, with the Carlton streetcar nearby and Coxwell Station within walking distance, plus an easy drive downtown. Short closing available.
MississaugaInvestor.ca
214 Gainsborough Road
Detached · 3bd/2ba · ~1,300 sqft
$1,249,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.8%
Monthly Cash Flow
-$4,917/mo
Estimated Rent
$3,250/mo
Cash-on-Cash
-21.51%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,250 |
| Mortgage | −$5,749 |
| Property Tax | −$989 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,041 |
| Vacancy (5%) | −$163 |
| Cash Flow | -$4,917/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$39,000 |
| Vacancy (5%) | −$1,950 |
| Property Tax | −$11,866 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$12,490 |
| Annual NOI | $9,994 |
| Cap Rate | 0.8% |
Cash Required to Close
| Down Payment (20%) | $249,800 |
| Ontario Land Transfer Tax | $21,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $274,255 |
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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