
108 Durham Avenue, Barrie
Barrie
$784,900
Cash flow, cap rate & mortgage breakdown
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Listed by EXP REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
4
Days on Market
60
Price Drop
9%
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
108 Durham does something most detached homes in Barrie can't: it gives you a full four-bedroom family home and a separate in-law suite under one roof with its own entrance, kitchen, living room and bedroom. Upstairs features four bedrooms and three bathrooms sit under nine foot ceilings, with hardwood running throughout.The kitchen earns its centre island: granite counters, opening straight into a dining and family room anchored by a fireplace. A custom accent wall gives the living room a real focal point.Because both levels have their own laundry, the suite works as a genuinely independent unit rather than a shared basement. And the location backs up the layout schools, parks, plazas, and Costco nearby, with Barrie South GO Station and the major commuter routes close enough to make that lower suite an easy draw for anyone heading into the city.
MississaugaInvestor.ca
108 Durham Avenue
Detached · 5bd/4ba · ~2,250 sqft
$784,900
Cash-Flow Report · July 31, 2026
Cap Rate
3.53%
Monthly Cash Flow
-$1,306/mo
Estimated Rent
$4,145/mo
Cash-on-Cash
-9.1%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,145 |
| Mortgage | −$3,613 |
| Property Tax | −$752 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$654 |
| Vacancy (5%) | −$207 |
| Cash Flow | -$1,306/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$49,740 |
| Vacancy (5%) | −$2,487 |
| Property Tax | −$9,026 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,849 |
| Annual NOI | $27,678 |
| Cap Rate | 3.53% |
Cash Required to Close
| Down Payment (20%) | $156,980 |
| Ontario Land Transfer Tax | $12,173 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $172,153 |
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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