579 Pinewood Street, Oshawa
Oshawa
$689,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX REALTRON REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$2,750/mo
Estimated from market price-to-rent ratios
Remarks
Rare 50-foot lot frontage in the highly desirable O'Neill neighbourhood! This beautiful home showcases hardwood stairs, hardwood and ceramic flooring on the main level, and a sunny west-facing balcony.The finished basement provides excellent in-law or rental potential, featuring a large family room with walkout access, a fourth bedroom, kitchenette, 3-piece bathroom, and laundry area. With parking for up to 4 vehicles and an estimated basement rental income of approximately $1,400 per month, this property presents an outstanding opportunity for families, investors, and first-time buyers alike.
MississaugaInvestor.ca
579 Pinewood Street
Detached · 4bd/2ba · ~1,300 sqft
$689,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.85%
Monthly Cash Flow
-$2,110/mo
Estimated Rent
$2,750/mo
Cash-on-Cash
-16.76%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,750 |
| Mortgage | −$3,171 |
| Property Tax | −$752 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$574 |
| Vacancy (5%) | −$138 |
| Cash Flow | -$2,110/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$33,000 |
| Vacancy (5%) | −$1,650 |
| Property Tax | −$9,026 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,890 |
| Annual NOI | $12,734 |
| Cap Rate | 1.85% |
Cash Required to Close
| Down Payment (20%) | $137,800 |
| Ontario Land Transfer Tax | $10,255 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $151,055 |
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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