1095 Governors Road, Hamilton
Hamilton
$1,490,000
Cash flow, cap rate & mortgage breakdown
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Listed by MICHAEL ST.JEAN REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
3
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Nestled on a stunning 3.75-acre property in one of the area's most desirable locations, this exceptional residence is just minutes from downtown Dundas. Offering unparalleled privacy, the home backs onto conservation lands and is surrounded by mature forest, with a picturesque rolling stream creating a truly serene setting. This beautifully appointed 3-bedroom bungalow features a fully renovated main floor and a custom-designed open-concept kitchen overlooking the inviting family room with a fireplace-perfect for both everyday living and entertaining. An extraordinary retreat just minutes from the city, this home boasts too many updates to list. The bright lowerlevel, complete with large windows and a separate entrance, offers outstanding flexibility for an in-law suite or private teenage retreat. Ideally situated with convenient access to Dundas, Ancaster, Hamilton, and Highway 403.
MississaugaInvestor.ca
1095 Governors Road
Detached · 3bd/3ba · ~1,750 sqft
$1,490,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.07%
Monthly Cash Flow
-$5,530/mo
Estimated Rent
$4,590/mo
Cash-on-Cash
-20.28%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,590 |
| Mortgage | −$6,858 |
| Property Tax | −$1,565 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,242 |
| Vacancy (5%) | −$230 |
| Cash Flow | -$5,530/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$55,080 |
| Vacancy (5%) | −$2,754 |
| Property Tax | −$18,774 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$14,900 |
| Annual NOI | $15,952 |
| Cap Rate | 1.07% |
Cash Required to Close
| Down Payment (20%) | $298,000 |
| Ontario Land Transfer Tax | $26,275 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $327,275 |
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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