105 Rothsay Avenue, Hamilton
Hamilton
$689,999
Cash flow, cap rate & mortgage breakdown
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Listed by EXP REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
3
Days on Market
2
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,550/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to 105 Rothsay, a beautifully renovated 1-3/4 storey home in one of Hamilton's most family-friendly neighbourhoods! This stunning 3 bed, 3 full bath residence offers a perfect blend of modern comfort and timeless charm. Step inside to find a bright, open concept layout featuring a brand new kitchen with stylish finishes, all new flooring, and thoroughly updated electrical throughout. Enjoy peace of mind with a new furnace, central AC and hot water tank. Everything has been done so you can simply move in and enjoy. The spacious bedrooms and fully finished bathrooms make this home ideal for families of all sizes. Located in the heart of Gage Park, great schools, public transit and shopping. A perfect home for a growing family or first-time homebuyers looking for quality and convenience on a beautiful street where homes rarely become available. Please note this home includes a shared driveway and has ample street parking.
MississaugaInvestor.ca
105 Rothsay Avenue
Detached · 3bd/3ba · ~1,300 sqft
$689,999
Cash-Flow Report · July 31, 2026
Cap Rate
1.56%
Monthly Cash Flow
-$2,279/mo
Estimated Rent
$2,550/mo
Cash-on-Cash
-18.08%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,550 |
| Mortgage | −$3,176 |
| Property Tax | −$725 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$575 |
| Vacancy (5%) | −$128 |
| Cash Flow | -$2,279/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$30,600 |
| Vacancy (5%) | −$1,530 |
| Property Tax | −$8,694 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,900 |
| Annual NOI | $10,776 |
| Cap Rate | 1.56% |
Cash Required to Close
| Down Payment (20%) | $137,999.8 |
| Ontario Land Transfer Tax | $10,275 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $151,274.8 |
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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