105 Rosemont Avenue, Hamilton
Hamilton
$519,900
Cash flow, cap rate & mortgage breakdown
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Listed by MICHAEL ST.JEAN REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
3
Days on Market
1
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 105 Rosemont Avenue, a fantastic three-unit property offering flexibility and excellent income potential in a convenient Hamilton location. The main-floor unit features one bedroom plus a versatile den, while the second- and third-floor units each offer a comfortable one-bedroom layout. The property also includes on-site parkingand a shared backyard space for tenants to enjoy. Conveniently located near shopping, restaurants, public transit, parks and major routes, this is a great opportunity forinvestors or buyers looking to live in one unit while generating rental income from the others. A versatile property with plenty of potential in the heart of the city!
MississaugaInvestor.ca
105 Rosemont Avenue
Detached · 5bd/3ba · ~2,250 sqft
$519,900
Cash-Flow Report · July 31, 2026
Cap Rate
3.69%
Monthly Cash Flow
-$795/mo
Estimated Rent
$2,950/mo
Cash-on-Cash
-8.38%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,950 |
| Mortgage | −$2,393 |
| Property Tax | −$546 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$433 |
| Vacancy (5%) | −$148 |
| Cash Flow | -$795/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$35,400 |
| Vacancy (5%) | −$1,770 |
| Property Tax | −$6,551 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$5,199 |
| Annual NOI | $19,180 |
| Cap Rate | 3.69% |
Cash Required to Close
| Down Payment (20%) | $103,980 |
| Ontario Land Transfer Tax | $6,873 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $113,853 |
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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