487 Bergamot Avenue, Milton
Milton
$1,099,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 PEOPLE`S CHOICE REALTY INC.
Investment Analysis
Key Facts
Type
Semi-Detached
Bedrooms
4
Bathrooms
3
Days on Market
16
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
4 Bedrooms Semi-Detached Home Built By Great Gulf. Open Concept Main Floor And Gorgeous Kitchen With Quarts Countertop, Backsplash, Centre Island And Stainless Steel Appliances. Hardwood Floors Throughout With Neutral Colour, Primary Bedroom With Ensuite & Walk-In Closet, Upstairs Laundry And Access From The Garage Into Home. A separate entrance to the basement built by builder. The basement can potentially be finished as 2nd dwelling unit. Close To All Amenities, Schools, Parks And Highways. 1920 Square Feet With Lot Of Natural Sunlight
MississaugaInvestor.ca
487 Bergamot Avenue
Semi-Detached · 4bd/3ba · ~1,750 sqft
$1,099,000
Cash-Flow Report · August 4, 2026
Cap Rate
2.53%
Monthly Cash Flow
-$2,744/mo
Estimated Rent
$4,390/mo
Cash-on-Cash
-13.65%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,390 |
| Mortgage | −$5,059 |
| Property Tax | −$714 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$916 |
| Vacancy (5%) | −$220 |
| Cash Flow | -$2,744/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$52,680 |
| Vacancy (5%) | −$2,634 |
| Property Tax | −$8,572 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$10,990 |
| Annual NOI | $27,784 |
| Cap Rate | 2.53% |
Cash Required to Close
| Down Payment (20%) | $219,800 |
| Ontario Land Transfer Tax | $18,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $241,255 |
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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