
178 Rose Street, Barrie
Barrie
$680,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX HALLMARK CHAY REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
2
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
Are you looking for a fully insulated shop with eight chest-height electrical outlets? Whether you're a hobbyist, tradesperson, or simply need additional workspace, this property offers the versatility you've been searching for! Situated on an R2-zoned lot, this home also features two separate driveways, providing ample parking for vehicles, trailers, or recreational toys, along with a convenient side entrance to the basement, offering excellent potential for future in-law or income suite possibilities (subject to municipal approvals).This 3-bedroom, 2-bathroom home has already seen many important updates, including an updated roof, a high-efficiency furnace (approximately 2 years old), and an updated 200-amp electrical panel, allowing you to focus on making it your own. Inside, you'll find a functional layout with plenty of space for a growing family, first-time home buyers, or investors looking for a property with outstanding potential.Located in Barrie's desirable east end, you're just minutes from Royal Victoria Regional Health Centre (RVH), Georgian College, schools, parks, shopping, restaurants, public transit, Highway 400, and all everyday amenities. Whether you're searching for your first home, an investment opportunity, or a property to renovate and customize, this home offers endless possibilities in a fantastic location. Don't miss your chance to unlock its full potential!
MississaugaInvestor.ca
178 Rose Street
Detached · 3bd/2ba · ~900 sqft
$680,000
Cash-Flow Report · July 31, 2026
Cap Rate
3.3%
Monthly Cash Flow
-$1,259/mo
Estimated Rent
$3,490/mo
Cash-on-Cash
-10.13%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,490 |
| Mortgage | −$3,130 |
| Property Tax | −$652 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$567 |
| Vacancy (5%) | −$175 |
| Cash Flow | -$1,259/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$41,880 |
| Vacancy (5%) | −$2,094 |
| Property Tax | −$7,820 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,800 |
| Annual NOI | $22,466 |
| Cap Rate | 3.3% |
Cash Required to Close
| Down Payment (20%) | $136,000 |
| Ontario Land Transfer Tax | $10,075 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $149,075 |
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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