235 Rosemar Gardens, Richmond Hill
Richmond Hill
$1,488,000
Cash flow, cap rate & mortgage breakdown
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Listed by FARLAN REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
3
Days on Market
7
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
Welcome to this sun-filled, fully customized 4-bed detached showpiece on quiet, cul de sac, in the prestigious Mill Pond neighborhood, steps from the pond and downtown Richmond Hill. Flooded with natural light and boasting $250K+ in meticulous renovations, this bright home features a custom kitchen, bespoke bathrooms, upgraded window blinds, and smart tech (smart toilets, cameras, thermostat, smoke detector). The fully finished lower level offers exceptional income potential with a separate entrance and private laundry. Enjoy total peace of mind with upgraded mechanicals including furnace, AC, water tank, plus an upgraded electrical panel, modern lighting, and a dedicated EV charger. Location is paramount: walk to scenic Mill Pond and vibrant downtown shops. Families will value being near top-tier education, including the coveted IB Program at Alexander Mackenzie H.S. and St. Theresa of Lisieux Catholic H.S. Turn-key and elegantly designed, this is an absolute must-see!
MississaugaInvestor.ca
235 Rosemar Gardens
Detached · 5bd/3ba · ~1,750 sqft
$1,488,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.31%
Monthly Cash Flow
-$3,987/mo
Estimated Rent
$5,495/mo
Cash-on-Cash
-14.64%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,495 |
| Mortgage | −$6,849 |
| Property Tax | −$893 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,240 |
| Vacancy (5%) | −$275 |
| Cash Flow | -$3,987/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$65,940 |
| Vacancy (5%) | −$3,297 |
| Property Tax | −$10,714 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$14,880 |
| Annual NOI | $34,349 |
| Cap Rate | 2.31% |
Cash Required to Close
| Down Payment (20%) | $297,600 |
| Ontario Land Transfer Tax | $26,235 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $326,835 |
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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