232 Church Street, Toronto W04
Toronto W04
$670,000
Cash flow, cap rate & mortgage breakdown
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Listed by ROYAL LEPAGE TERREQUITY CAPITAL REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
2
Days on Market
8
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
Great Opportunity for First-Time Buyers, Investors, and Builders! This well-maintained 2+1 bedroom, 2-bathroom home features a finished basement with a separate entrance, offering excellent potential for extended family living or rental income. Situated on a deep 33 x 135 ft lot, the property boasts a large backyard with endless possibilities-ideal for future expansion, gardening, or creating your dream outdoor space. Enjoy the convenience of 5 total parking spaces, including a garage and a 4-car driveway. Recent upgrades include a new garage, new roof, and new driveway. Only for driveway almost $10,000 was spent. Perfectly located just minutes from Hwy 401 & 400, and close to schools, parks, restaurants, transit, and all essential amenities. Whether you're entering the market or exploring redevelopment opportunities, this property offers exceptional value and potential.
MississaugaInvestor.ca
232 Church Street
Detached · 3bd/2ba · ~900 sqft
$670,000
Cash-Flow Report · July 31, 2026
Cap Rate
3.67%
Monthly Cash Flow
-$1,034/mo
Estimated Rent
$3,540/mo
Cash-on-Cash
-8.45%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,540 |
| Mortgage | −$3,084 |
| Property Tax | −$530 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$558 |
| Vacancy (5%) | −$177 |
| Cash Flow | -$1,034/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$42,480 |
| Vacancy (5%) | −$2,124 |
| Property Tax | −$6,365 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,700 |
| Annual NOI | $24,591 |
| Cap Rate | 3.67% |
Cash Required to Close
| Down Payment (20%) | $134,000 |
| Ontario Land Transfer Tax | $9,875 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $146,875 |
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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