205 St Lucie Drive, Toronto W05
Toronto W05
$669,000
Cash flow, cap rate & mortgage breakdown
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Listed by SUTTON GROUP-ADMIRAL REALTY INC.
Investment Analysis
Key Facts
Type
Semi-Detached
Bedrooms
7
Bathrooms
3
Days on Market
56
Price Drop
4%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,100/mo
Estimated from market price-to-rent ratios
Remarks
Spacious - Vacant - Walkout Basement - 3 Entrances. Renovate to your taste. Basement comprises a bachelor apartment with side door entry and a 2-bedroom apartment with a rear door entry.
MississaugaInvestor.ca
205 St Lucie Drive
Semi-Detached · 7bd/3ba · ~900 sqft
$669,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.93%
Monthly Cash Flow
-$1,447/mo
Estimated Rent
$3,100/mo
Cash-on-Cash
-11.84%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,100 |
| Mortgage | −$3,079 |
| Property Tax | −$530 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$558 |
| Vacancy (5%) | −$155 |
| Cash Flow | -$1,447/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$37,200 |
| Vacancy (5%) | −$1,860 |
| Property Tax | −$6,356 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,690 |
| Annual NOI | $19,594 |
| Cap Rate | 2.93% |
Cash Required to Close
| Down Payment (20%) | $133,800 |
| Ontario Land Transfer Tax | $9,855 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $146,655 |
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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