103 Spicebush Terrace, Brampton
Brampton
$730,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 PEOPLE`S CHOICE REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
2
Days on Market
24
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Legal Suite (+$1,400/mo)
Rent Estimate
Estimated from market price-to-rent ratios
Remarks
Welcome to this impeccably maintained freehold townhouse in the highly desirable Credit Valley Community. Featuring 3 spacious bedrooms, 2 bathrooms, and a thoughtfully designed layout, this move-in-ready home is perfect for families, professionals, and first-time home buyers alike. Enjoy carpet-free living throughout the entire home, offering a modern look and easy maintenance. Pride of ownership is evident in every room, making this property truly turnkey. The unfinished basement provides endless possibilities for future expansion, whether you envision a recreation room, home office, gym, or additional living space Conveniently located just minutes from Mount Pleasant GO Station, top-rated schools, parks, shopping, and all essential amenities, this home offers the perfect blend of comfort and convenience. Don't miss this exceptional opportunity to own a beautifully cared-for freehold townhouse in one of Brampton's most sought-after neighbourhoods. Book your private showing today!
MississaugaInvestor.ca
103 Spicebush Terrace
Att/Row/Townhouse · 3bd/2ba · ~1,300 sqft
$730,000
Cash-Flow Report · July 31, 2026
Cap Rate
3.28%
Monthly Cash Flow
-$1,365/mo
Estimated Rent
$3,700/mo
Cash-on-Cash
-10.23%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,700 |
| Mortgage | −$3,360 |
| Property Tax | −$687 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$608 |
| Vacancy (5%) | −$185 |
| Cash Flow | -$1,365/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$44,400 |
| Vacancy (5%) | −$2,220 |
| Property Tax | −$8,249 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,300 |
| Annual NOI | $23,931 |
| Cap Rate | 3.28% |
Cash Required to Close
| Down Payment (20%) | $146,000 |
| Ontario Land Transfer Tax | $11,075 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $160,075 |
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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