
90 Victoria Street, Hamilton
Hamilton
$1,385,000
Cash flow, cap rate & mortgage breakdown
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Listed by ROYAL LEPAGE STATE REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
2
Days on Market
11
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,850/mo
Estimated from market price-to-rent ratios
Remarks
Located in one of Dundas' most sought-after historic neighbourhoods, this character-filled home offers a wonderful mix of timeless charm, generous living space and important modern updates. Set on a quiet, tree-lined street surrounded by beautiful stone and brick homes, the location is hard to beat. Enjoy an easy walk to the unique shops, restaurants and small-town atmosphere of downtown Dundas, with Dundas Central Public School just one block away and the Dundas Driving Park only two blocks further.Inside, a huge foyer sets the tone with tall baseboards, oversized wood windows with storms, beautiful inlaid hardwood flooring throughout the living and dining rooms. and convenient laundry near the bottom of the stairs.The second floor offers three spacious, bright bedrooms and a full 4-piece bathroom. The third floor provides additional flexible living space with built-ins, ideal as a private primary retreat, extra bedroom, office or studio.The lower level includes a recreation room, gas fireplace, a rough-in for a 2-piece bathroom, a walk-up and a solid stone foundation. Notable updates include a replaced sewer line, PVC plumbing stack, 200-amp electrical service, 60V EV charger, backflow preventer and basement bath kit. A rare opportunity to own a spacious character home in a truly exceptional Dundas location.
MississaugaInvestor.ca
90 Victoria Street
Detached · 5bd/2ba · ~2,250 sqft
$1,385,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.71%
Monthly Cash Flow
-$5,551/mo
Estimated Rent
$3,850/mo
Cash-on-Cash
-21.9%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,850 |
| Mortgage | −$6,375 |
| Property Tax | −$1,454 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,154 |
| Vacancy (5%) | −$193 |
| Cash Flow | -$5,551/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$46,200 |
| Vacancy (5%) | −$2,310 |
| Property Tax | −$17,451 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$13,850 |
| Annual NOI | $9,889 |
| Cap Rate | 0.71% |
Cash Required to Close
| Down Payment (20%) | $277,000 |
| Ontario Land Transfer Tax | $24,175 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $304,175 |
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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