1407- 95 Oneida Crescent, Richmond Hill
Richmond Hill
$635,000
Cash flow, cap rate & mortgage breakdown
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Listed by REMAX YC REALTY
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
2
Bathrooms
2
Days on Market
41
Price Drop
2%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,300/mo
Estimated from market price-to-rent ratios
Remarks
Bright and spacious 2-bedroom, 2 full-bath unit features floor-to-ceiling windows and a large private balcony, filling the home with natural light throughout the day. Perfectly situated in one of Richmond Hill's most convenient locations, just steps to Langstaff GO Station and Richmond Hill Centre Terminal, with seamless access to Highway 7 and Highway 407 for effortless commuting across the GTA. Enjoy an exceptional lifestyle surrounded by everyday conveniences, including Hillcrest Mall, South Hill Shopping Centre, Loblaws, T&T Supermarket, Walmart, NoFrills, Winners, SilverCity Richmond Hill, Dr. James Langstaff Park, Springbrook Park, and an abundance of highly rated restaurants, cafés, and entertainment options. Enjoy the potential benefits of the upcoming North Subway Extension, bringing Richmond Hill even closer to downtown Toronto and the rest of the GTA!
MississaugaInvestor.ca
1407- 95 Oneida Crescent
Condo Apartment · 2bd/2ba · ~750 sqft
$635,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.84%
Monthly Cash Flow
-$1,949/mo
Estimated Rent
$2,300/mo
Cash-on-Cash
-16.8%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,300 |
| Mortgage | −$2,923 |
| Property Tax | −$381 |
| Insurance | −$225 |
| Condo Fee | −$605 |
| Vacancy (5%) | −$115 |
| Cash Flow | -$1,949/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$27,600 |
| Vacancy (5%) | −$1,380 |
| Property Tax | −$4,572 |
| Insurance | −$2,700 |
| Condo Fee | −$7,260 |
| Annual NOI | $11,688 |
| Cap Rate | 1.84% |
Cash Required to Close
| Down Payment (20%) | $127,000 |
| Ontario Land Transfer Tax | $9,175 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $139,175 |
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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