
195 Ryerson Crescent, Oshawa
Oshawa
$860,000
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
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
Versatile and beautiful, this Raised Bungalow offers the flexibility your family needs. Downsizing & in need of Accessibility features? We've got it! Live comfortably on the main floor ft. wide hallways and an exterior wheelchair lift from the garage directly inside. 2 Large main floor Principal Rooms (Flooring 2026), Main floor Laundry, and Accessibility Conscious Bathrooms, showcasing a 4pc Ensuite Bath with Roll-In shower. Don't compromise on Kitchen or Living Space with a bright & airy Breakfast area, Walk-in pantry & over 1500 sq. ft above grade. A Younger Family desiring that coveted Rental Income? We've got it! Choose to live upstairs or down! With new (2024) Above Grade windows & Cali Shutters throughout, an oversized 2nd Modern Kitchen with walk in pantry, Gas stove, B/I dishwasher & Wine fridge, Spacious 2nd Family & Dining Room areas, 4pc Semi-Ensuite, 2 additional bedrooms including what feels like a 2nd Primary Bdrm ft Walk-In & Mirrored wall-to-wall closets - without forgetting the 2nd Separate Laundry Rm - you'll easily forget it's a basement apartment! Large extended Family? We've got you covered too! Multiple entrances offer the privacy you need under one roof. Investors of course will love the proximity to Ontario Tech University. Cathedral Ceilings; Moveable upstairs Kitchen Island; New Windows at every turn (2024); the walk-out to the back deck and down to the backyard Gazebo; A front porch perfect for tea for two on a quiet morning; Landscaped Yards awaiting your revival; Roof (2015), Paint (2026) & Tankless Hot Water (owned, 2026); 7 mins to 407 &12 mins to 401; Close to TWO Costco locations in Oshawa & Ultra convenient with many groceries, Transit options, Highways & the University near by only ADD to the features that make this Raised-Bungalow on a quiet street in the highly desired North Oshawa, exactly the PERFECTLY versatile and beautiful home for YOU!
MississaugaInvestor.ca
195 Ryerson Crescent
Detached · 4bd/3ba · ~1,750 sqft
$860,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.53%
Monthly Cash Flow
-$2,144/mo
Estimated Rent
$3,890/mo
Cash-on-Cash
-13.64%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,890 |
| Mortgage | −$3,958 |
| Property Tax | −$939 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$717 |
| Vacancy (5%) | −$195 |
| Cash Flow | -$2,144/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$46,680 |
| Vacancy (5%) | −$2,334 |
| Property Tax | −$11,266 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,600 |
| Annual NOI | $21,780 |
| Cap Rate | 2.53% |
Cash Required to Close
| Down Payment (20%) | $172,000 |
| Ontario Land Transfer Tax | $13,675 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $188,675 |
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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