92 Giardina Crescent, Richmond Hill
Richmond Hill
$2,300,000
Cash flow, cap rate & mortgage breakdown
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Listed by KW Living Realty
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
5
Days on Market
51
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$5,050/mo
Estimated from market price-to-rent ratios
Remarks
Nestled in the highly sought-after Bayview Hill community, this elegant and spacious residence offers 4 generous ensuite bdrms, providing ultimate comfort and privacy for the whole family. Featuring 10' ceilings on the main floor and 9' ceilings on the 2/F & bsmt, the home showcases a bright and airy open feel. Sparkling crystal chandeliers and stylish pot lights throughout create a warm and sophisticated ambiance. The elegant iron picket staircase adds timeless architectural charm. The modern gourmet kitchen is equipped with stone countertops and S.S. appliances, walk-out access to a large deck and beautiful stone patio, perfect for outdoor dining and entertaining. Ideally located close to shopping plazas, supermarkets, parks & public transit. Boundary within the top-ranking Bayview Hill E.S., Bayview Secondary & Thornlea Secondary School.
MississaugaInvestor.ca
92 Giardina Crescent
Detached · 4bd/5ba · ~3,250 sqft
$2,300,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.67%
Monthly Cash Flow
-$9,312/mo
Estimated Rent
$5,050/mo
Cash-on-Cash
-22.04%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,050 |
| Mortgage | −$10,587 |
| Property Tax | −$1,380 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,917 |
| Vacancy (5%) | −$253 |
| Cash Flow | -$9,312/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$60,600 |
| Vacancy (5%) | −$3,030 |
| Property Tax | −$16,560 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$23,000 |
| Annual NOI | $15,310 |
| Cap Rate | 0.67% |
Cash Required to Close
| Down Payment (20%) | $460,000 |
| Ontario Land Transfer Tax | $43,975 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $506,975 |
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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