165 Stephenson Crescent, Richmond Hill
Richmond Hill
$1,188,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 LEADING EDGE REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
4
Days on Market
50
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,900/mo
Estimated from market price-to-rent ratios
Remarks
Spend so much money in extensively renovations with quality upgrades throughout, including new hardwood flooring, a modern kitchen, updated bathrooms, and brand-new windows. 3 Bedroom opened and added up to 2nd bedroom in order to make large bedroom, easily can be converted back to original 3rd bedroom. Conveniently located close to all amenities, including shopping centers, public transit, GO Train station, churches, schools, and more. The basement is currently tenanted, with the tenant willing to stay or vacate. Enjoy a fully fenced backyard in a quiet, family-friendly Neighbourhood. A lot more to discover.
MississaugaInvestor.ca
165 Stephenson Crescent
Detached · 4bd/4ba · ~1,300 sqft
$1,188,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.8%
Monthly Cash Flow
-$3,691/mo
Estimated Rent
$3,900/mo
Cash-on-Cash
-16.98%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,900 |
| Mortgage | −$5,468 |
| Property Tax | −$713 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$990 |
| Vacancy (5%) | −$195 |
| Cash Flow | -$3,691/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$46,800 |
| Vacancy (5%) | −$2,340 |
| Property Tax | −$8,554 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$11,880 |
| Annual NOI | $21,326 |
| Cap Rate | 1.8% |
Cash Required to Close
| Down Payment (20%) | $237,600 |
| Ontario Land Transfer Tax | $20,235 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $260,835 |
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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