20 Saratoga Road, Markham
Markham
$1,688,800
Cash flow, cap rate & mortgage breakdown
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Listed by PETER KWAN REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
4
Days on Market
2
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
Location-Location-Location **SEEING-IS-BELIEVING** Immaculate Bright & spacious detached home offering 4+1 bedrooms and 4 bathrooms, perfectly situated on a huge premium-sized lot with a 61' frontage in the highly sought-after Markville community. Beautiful curb appeal with award-winning (2024) professional landscaping, interlock sidewalk & driveway, elegant iron pickets, and a fully fenced backyard - ideal for family living and entertaining. Step inside to a functional, sun-filled layout featuring pot lights, quality finishes, and convenient indoor access to the garage. The upgraded kitchen boasts a quartz countertop and ample space for everyday cooking and gatherings. Built with care and solid craftsmanship, including plywood subfloor, a newer roof (2021), and stunning circular oak stairs leading to the basement. The finished basement adds exceptional value with a huge recreation area, an additional kitchen, and an extra bedroom, perfect for extended family, guests, or potential in-law suite use. Plus, enjoy the bonus of a dedicated cool room for extra storage. A true move-in-ready gem in one of Markham's most desirable neighborhoods - don't miss this incredible opportunity!
MississaugaInvestor.ca
20 Saratoga Road
Detached · 5bd/4ba · ~3,250 sqft
$1,688,800
Cash-Flow Report · July 31, 2026
Cap Rate
2.1%
Monthly Cash Flow
-$4,814/mo
Estimated Rent
$5,840/mo
Cash-on-Cash
-15.57%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,840 |
| Mortgage | −$7,773 |
| Property Tax | −$957 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,407 |
| Vacancy (5%) | −$292 |
| Cash Flow | -$4,814/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$70,080 |
| Vacancy (5%) | −$3,504 |
| Property Tax | −$11,484 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$16,888 |
| Annual NOI | $35,504 |
| Cap Rate | 2.1% |
Cash Required to Close
| Down Payment (20%) | $337,760 |
| Ontario Land Transfer Tax | $30,251 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $371,011 |
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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