
117- 305 Garner Road, Hamilton
Hamilton
$739,000
Cash flow, cap rate & mortgage breakdown
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Listed by HOMELIFE LANDMARK REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
3
Days on Market
3
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
***LOW PROPERTY TAXES**CONVENIENT AND DESIRABLE LOCATION**FAMILY FRIENDLY NEIGHBOURHOOD**TWO YEAR NEW HOME - NO UPKEEP**PET FREE**OWNER OCCUPIED*** Rarely offered and beautifully maintained Freehold Townhome located in one of Ancaster's most sought-after family-friendly TreeScapes Community. Just 2 years old, this bright and modern home offers an outstanding combination of style, comfort, and convenience. Professionally designed with premium selection of features, this home boasts generous sized 3 bedrooms and 3 bathrooms. With tall 9 ft ceilings, open-concept main floor is perfect for both everyday living and entertaining, showcasing elegant hardwood flooring throughout the living and dining areas, with stylish tile flooring in the kitchen and breakfast area. Expansive windows throughout the home fills the space with natural light, creating a warm and airy atmosphere. The modern kitchen is enhanced with glistening quartz countertops and it flows seamlessly into the dining and breakfast area, with a walk-out patio door leading to a private deck and stairs down to a grassy backyard. Adding to the home's appeal is the convenience of upper-level laundry, a built-in car garage with additional driveway parking, and a large unfinished basement, offering sump pump, and a washroom rough-in, offering endless possibilities for future customization and added living space. Situated in a newly developed and highly desirable neighbourhood, this rare opportunity places you just minutes from highways, shopping, luxurious golf courses, excellent schools, parks, and everyday amenities. With its stunning curb appeal, bright contemporary interior, and move-in ready condition, this immaculate townhouse is not to be missed.
MississaugaInvestor.ca
117- 305 Garner Road
Att/Row/Townhouse · 3bd/3ba · ~1,750 sqft
$739,000
Cash-Flow Report · July 31, 2026
Cap Rate
3.01%
Monthly Cash Flow
-$1,552/mo
Estimated Rent
$3,650/mo
Cash-on-Cash
-11.49%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,650 |
| Mortgage | −$3,402 |
| Property Tax | −$776 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$616 |
| Vacancy (5%) | −$183 |
| Cash Flow | -$1,552/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$43,800 |
| Vacancy (5%) | −$2,190 |
| Property Tax | −$9,311 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,390 |
| Annual NOI | $22,209 |
| Cap Rate | 3.01% |
Cash Required to Close
| Down Payment (20%) | $147,800 |
| Ontario Land Transfer Tax | $11,255 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $162,055 |
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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