120 Stone Church Road, Hamilton
Hamilton
$779,999
Cash flow, cap rate & mortgage breakdown
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Listed by CAPITAL NORTH REALTY CORPORATION
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
2
Days on Market
2
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$2,950/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to 120 Stone Church Road West, a well-designed multi-level home in Hamilton's desirable West Mountain community, offering a bright main floor with a spacious living room, an open dining area, and a functional kitchen overlooking the backyard. The upper level features three comfortable bedrooms and a full bathroom, perfect for family living, while the lower level includes an additional bedroom, a second bathroom, and inside entry from a deep single garage. The finished basement adds even more flexibility with a large recreation room, utility area, and generous storage. Sitting on a sizable lot in a prime location near schools, parks, shopping, and major routes, this home offers space, convenience, and incredible potential-the opportunities are truly endless with this property.
MississaugaInvestor.ca
120 Stone Church Road
Detached · 4bd/2ba · ~900 sqft
$779,999
Cash-Flow Report · July 31, 2026
Cap Rate
1.71%
Monthly Cash Flow
-$2,482/mo
Estimated Rent
$2,950/mo
Cash-on-Cash
-17.41%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,950 |
| Mortgage | −$3,590 |
| Property Tax | −$819 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$650 |
| Vacancy (5%) | −$148 |
| Cash Flow | -$2,482/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$35,400 |
| Vacancy (5%) | −$1,770 |
| Property Tax | −$9,828 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,800 |
| Annual NOI | $13,302 |
| Cap Rate | 1.71% |
Cash Required to Close
| Down Payment (20%) | $155,999.8 |
| Ontario Land Transfer Tax | $12,075 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $171,074.8 |
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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