
453 Rosmere Street, Oshawa
Oshawa
$685,000
Cash flow, cap rate & mortgage breakdown
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Listed by Coldwell Banker 2M Realty
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
None Detected
Rent Estimate
$2,450/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to this well-kept all-brick bungalow in one of the area's most popular, family-friendly neighbourhoods. Loved by the same owners since 1959, this home really shows decades of care and pride of ownership.Set on a spacious 54' x 132' lot, you'll enjoy a big backyard, mature trees, and lots of space to relax or play. Inside, there's a practical layout with oversized vinyl windows that bring in tons of natural light. Hardwood flooring is under most of the main floor carpet.The home has been carefully maintained and is in great shape, while still offering a perfect opportunity for modern updates. The major systems have been looked after, including a gas furnace and central air conditioning that have been serviced every year. You'll also find a 100-amp breaker panel, an owned hot water tank, and shingles in good condition.Located on a quiet, tree-lined street, you're within walking distance to both Catholic and public elementary and secondary schools, parks, and everyday conveniences. Lakeridge Health Hospital, the Oshawa Shopping Centre, & the Oshawa Golf Club are just a few minutes away. Whether you're a first-time buyer or downsizer, this is a great chance to get into a solid home in a well-established neighbourhood
MississaugaInvestor.ca
453 Rosmere Street
Detached · 3bd/2ba · ~900 sqft
$685,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.37%
Monthly Cash Flow
-$2,370/mo
Estimated Rent
$2,450/mo
Cash-on-Cash
-18.94%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,450 |
| Mortgage | −$3,153 |
| Property Tax | −$748 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$571 |
| Vacancy (5%) | −$123 |
| Cash Flow | -$2,370/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$29,400 |
| Vacancy (5%) | −$1,470 |
| Property Tax | −$8,974 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,850 |
| Annual NOI | $9,406 |
| Cap Rate | 1.37% |
Cash Required to Close
| Down Payment (20%) | $137,000 |
| Ontario Land Transfer Tax | $10,175 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $150,175 |
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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