331 Guelph Street, Hamilton
Hamilton
$489,500
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX ESCARPMENT REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
2
Bathrooms
2
Days on Market
44
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
Fabulous east-end location offering convenience, comfort, and a long list of updates. This charming 2-bedroom, 1.5 bath home features a bright main floor with newer flooring and a spacious living room that can easily accommodate a combined living/dining layout. Updated kitchen (2024) is bright and spacious, complete with all newer appliances, a stylish island, and modern finishes that make everyday living and entertaining effortless. There are two comfortable bedrooms and an updated main bath. The walkout to the fully fenced backyard provides the perfect outdoor retreat, featuring a deck and an above-ground pool (2025) - ideal for summer relaxation and gatherings. Additional highlights include a large double-wide driveway, newer roof (2020), and front and back decks (2020). The unfinished basement offers excellent potential for future living space, storage, or a custom setup to suit your needs. Situated close to schools, shopping, public transportation, highway access, and great parks, this home delivers exceptional value in a sought-after neighbourhood. RSA.
MississaugaInvestor.ca
331 Guelph Street
Detached · 2bd/2ba · ~900 sqft
$489,500
Cash-Flow Report · August 1, 2026
Cap Rate
4.52%
Monthly Cash Flow
-$408/mo
Estimated Rent
$3,150/mo
Cash-on-Cash
-4.57%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,150 |
| Mortgage | −$2,253 |
| Property Tax | −$514 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$408 |
| Vacancy (5%) | −$158 |
| Cash Flow | -$408/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$37,800 |
| Vacancy (5%) | −$1,890 |
| Property Tax | −$6,168 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$4,895 |
| Annual NOI | $22,147 |
| Cap Rate | 4.52% |
Cash Required to Close
| Down Payment (20%) | $97,900 |
| Ontario Land Transfer Tax | $6,265 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $107,165 |
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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