61 Ruthmar Crescent, Toronto W05
Toronto W05
$699,000
Cash flow, cap rate & mortgage breakdown
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Listed by HOUSESIGMA INC.
Investment Analysis
Key Facts
Type
Semi-Detached
Bedrooms
3
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$2,550/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to this beautifully renovated, move-in ready semi-detached home in the highly sought-after Hullmar Park community. Filled with natural light, this well-maintained home offers 3 spacious bedrooms, 2 updated bathrooms, and a custom eat-in kitchen featuring quartz countertops and stainless steel appliances. The finished basement provides additional versatile living space along with a separate laundry room. Step outside to a fully fenced backyard complete with a professionally finished patio and walkway, perfect for entertaining or enjoying outdoor living. Ideally situated close to TTC, GO Transit, schools, parks, shopping, York University, and major highways, this is an exceptional opportunity for first-time buyers, growing families, or investors alike.
MississaugaInvestor.ca
61 Ruthmar Crescent
Semi-Detached · 3bd/2ba · ~1,300 sqft
$699,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.82%
Monthly Cash Flow
-$2,156/mo
Estimated Rent
$2,550/mo
Cash-on-Cash
-16.88%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,550 |
| Mortgage | −$3,217 |
| Property Tax | −$553 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$583 |
| Vacancy (5%) | −$128 |
| Cash Flow | -$2,156/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$30,600 |
| Vacancy (5%) | −$1,530 |
| Property Tax | −$6,641 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,990 |
| Annual NOI | $12,739 |
| Cap Rate | 1.82% |
Cash Required to Close
| Down Payment (20%) | $139,800 |
| Ontario Land Transfer Tax | $10,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $153,255 |
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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