39 Burk Street, Oshawa
Oshawa
$469,900
Cash flow, cap rate & mortgage breakdown
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Listed by HOME CHOICE REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
1
Days on Market
1
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
Perfect for first-time home buyers, downsizers, or investors! This charming 3-bedroom, 1-bathroom home offers a functional layout and hardwood flooring throughout. Situated in one of Oshawa's well-established neighborhoods, you'll enjoy the convenience of being close to schools, parks, shopping, public transit, and Highway 401. Whether you're looking to get into the housing market, add to your investment portfolio, or put your own personal touches on a home with great potential, this is an excellent opportunity to build equity and make it your own. Affordable, full of potential, and ready for its next chapter. Some updates include; kitchen and most windows are vinyl.
MississaugaInvestor.ca
39 Burk Street
Detached · 3bd/1ba · ~1,300 sqft
$469,900
Cash-Flow Report · July 31, 2026
Cap Rate
2.57%
Monthly Cash Flow
-$1,156/mo
Estimated Rent
$2,250/mo
Cash-on-Cash
-13.49%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,250 |
| Mortgage | −$2,163 |
| Property Tax | −$513 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$392 |
| Vacancy (5%) | −$113 |
| Cash Flow | -$1,156/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$27,000 |
| Vacancy (5%) | −$1,350 |
| Property Tax | −$6,156 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$4,699 |
| Annual NOI | $12,095 |
| Cap Rate | 2.57% |
Cash Required to Close
| Down Payment (20%) | $93,980 |
| Ontario Land Transfer Tax | $5,873 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $102,853 |
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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