21 Persica Street, Richmond Hill
Richmond Hill
$989,000
Cash flow, cap rate & mortgage breakdown
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Listed by GOLDEN BRIDGE REALTY
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
5
Bathrooms
5
Days on Market
10
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
Located at high demand area NO POTL FEE freehold 4+1 bedroom **END UNIT** FREEHOLD townhome like a semi detached. recently refreshed and cleaned! Modern design with open concept, LED pot light throughout, hardwood floor at 2nd and 3rd floor. Main floor room can be 4th bedroom as 2nd master /parent ensuite. Separate entrance provides more privacy while finished walk up basement as a potential rental income. Close to Bond Lake, Banks, Restaurants, shops, and so on. **EXTRAS** Rough in basement for extra Landry room.
MississaugaInvestor.ca
21 Persica Street
Att/Row/Townhouse · 5bd/5ba · ~2,250 sqft
$989,000
Cash-Flow Report · August 2, 2026
Cap Rate
3.47%
Monthly Cash Flow
-$1,691/mo
Estimated Rent
$4,740/mo
Cash-on-Cash
-9.35%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,740 |
| Mortgage | −$4,552 |
| Property Tax | −$593 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$824 |
| Vacancy (5%) | −$237 |
| Cash Flow | -$1,691/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$56,880 |
| Vacancy (5%) | −$2,844 |
| Property Tax | −$7,121 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,890 |
| Annual NOI | $34,325 |
| Cap Rate | 3.47% |
Cash Required to Close
| Down Payment (20%) | $197,800 |
| Ontario Land Transfer Tax | $16,255 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $217,055 |
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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