879 Peggoty Circle, Oshawa
Oshawa
$1,390,000
Cash flow, cap rate & mortgage breakdown
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Listed by SUTTON GROUP-ADMIRAL REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
4
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,445/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Fully renovated and move-in ready, this spacious 4+2 bedroom detached home features a private backyard with an above-ground pool. Ideally located near parks, conservation trails, schools, shopping, transit, and major highways. Offering over 3,000 sq. ft. of finished living space, including a bright walk-out basement apartment with a separate entrance. The main floor features formal living and dining rooms, a family room with a gas fireplace, and an updated kitchen with a walk-out to the deck and pool. Upstairs offers four generous bedrooms, including a primary suite with a 4-piece ensuite and walk-in closet.
MississaugaInvestor.ca
879 Peggoty Circle
Detached · 6bd/4ba · ~2,750 sqft
$1,390,000
Cash-Flow Report · August 2, 2026
Cap Rate
1.67%
Monthly Cash Flow
-$4,458/mo
Estimated Rent
$5,095/mo
Cash-on-Cash
-17.52%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,095 |
| Mortgage | −$6,398 |
| Property Tax | −$1,517 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,158 |
| Vacancy (5%) | −$255 |
| Cash Flow | -$4,458/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$61,140 |
| Vacancy (5%) | −$3,057 |
| Property Tax | −$18,209 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$13,900 |
| Annual NOI | $23,274 |
| Cap Rate | 1.67% |
Cash Required to Close
| Down Payment (20%) | $278,000 |
| Ontario Land Transfer Tax | $24,275 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $305,275 |
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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