114 Gracefield Avenue, Toronto W04
Toronto W04
$799,000
Cash flow, cap rate & mortgage breakdown
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Listed by KELLER WILLIAMS REFERRED URBAN REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
2
Days on Market
3
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
Welcome to this charming, move-in ready home offering the perfect opportunity for first-time buyers, young professionals, or growing families. Featuring 2+1 bedrooms and 2 full bathrooms, this well-maintained property combines comfortable living with incredible future potential. Move in and enjoy as-is, or renovate and customize to suit your personal style. Situated on a desirable lot with room to add a second floor, this home offers the opportunity to add on as your family's needs grow. The finished lower level features a separate living space with excellent income potential, making it ideal for an in-law suite or future rental to help offset your mortgage. Whether you're looking for your first home, a smart investment, or a property with room to grow, this home checks all the boxes. Conveniently located close to parks, schools, shopping, transit, and everyday amenities, it's an opportunity you won't want to miss.
MississaugaInvestor.ca
114 Gracefield Avenue
Detached · 3bd/2ba · ~900 sqft
$799,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.98%
Monthly Cash Flow
-$1,697/mo
Estimated Rent
$3,690/mo
Cash-on-Cash
-11.62%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,690 |
| Mortgage | −$3,678 |
| Property Tax | −$633 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$666 |
| Vacancy (5%) | −$185 |
| Cash Flow | -$1,697/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$44,280 |
| Vacancy (5%) | −$2,214 |
| Property Tax | −$7,591 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,990 |
| Annual NOI | $23,785 |
| Cap Rate | 2.98% |
Cash Required to Close
| Down Payment (20%) | $159,800 |
| Ontario Land Transfer Tax | $12,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $175,255 |
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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