470 Cromwell Avenue, Oshawa
Oshawa
$795,000
Cash flow, cap rate & mortgage breakdown
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Listed by THE CANADIAN HOME REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
3
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
A Rare Find in Vanier, Oshawa! Just 1.7km from the GO Train (Lakeshore East) - perfect for Toronto commuters - this fully upgraded detached bungalow offers 3+1 bedrooms, 3 bathrooms, and a finished basement with separate entrance, private bedroom, bathroom & full kitchen, ideal for extended family or rental income. Enjoy dual laundry (main floor + basement), roof (2020), furnace (2022), brand-new heat pump (2024), upgraded 200-amp electrical panel, upgraded attic insulation (2024), brand-new backyard concrete, and fresh paint throughout - plus all main floor appliances new in 2025 (stove, dishwasher, washer/dryer). Move-in ready with zero cosmetic work needed, this home has been lovingly maintained by long-term owners, and it shows the moment you walk in. Steps to Highway 401, Oshawa Centre Mall (200+ stores, walking distance), 14 schools, 11 parks, 50+ recreational facilities, multiple bus routes at your door, and just minutes to Lakeview Park & the Oshawa waterfront - this is a must-see for first-time buyers, GTA commuters, and investors alike. Book your showing today!
MississaugaInvestor.ca
470 Cromwell Avenue
Detached · 4bd/3ba · ~900 sqft
$795,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.79%
Monthly Cash Flow
-$1,815/mo
Estimated Rent
$3,790/mo
Cash-on-Cash
-12.49%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,790 |
| Mortgage | −$3,659 |
| Property Tax | −$868 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$663 |
| Vacancy (5%) | −$190 |
| Cash Flow | -$1,815/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$45,480 |
| Vacancy (5%) | −$2,274 |
| Property Tax | −$10,415 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,950 |
| Annual NOI | $22,141 |
| Cap Rate | 2.79% |
Cash Required to Close
| Down Payment (20%) | $159,000 |
| Ontario Land Transfer Tax | $12,375 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $174,375 |
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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