
46 Pearson Drive, Hamilton
Hamilton
$850,000
Cash flow, cap rate & mortgage breakdown
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Listed by CRESCENT REAL ESTATE INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
5
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,050/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to this beautifully maintained all-brick family home offering spacious principal rooms and a functional layout designed for comfortable everyday living. Large windows fill the home with natural light, highlighting the formal living and dining rooms, updated eat-in kitchen with quartz countertops and walkout to the backyard, and the inviting family room featuring custom built-ins, a cozy gas fireplace, and a charming reading nook. Main floor laundry adds everyday convenience. Upstairs offers three generously sized bedrooms, including a spacious primary suite, along with two full bathrooms. The finished basement extends the living space with a large recreation room and an additional bedroom complete with its own ensuite-ideal for guests, extended family, or multi-generational living. Outside, enjoy a private, fully fenced backyard perfect for entertaining or relaxing. An oversized driveway and attached garage provide ample parking and storage. Located in a family friendly neighbourhood close to parks, schools, trails, shopping, and everyday amenities, this versatile home offers the space and flexibility to suit families of all sizes.
MississaugaInvestor.ca
46 Pearson Drive
Detached · 4bd/5ba · ~1,750 sqft
$850,000
Cash-Flow Report · August 1, 2026
Cap Rate
1.51%
Monthly Cash Flow
-$2,841/mo
Estimated Rent
$3,050/mo
Cash-on-Cash
-18.28%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,050 |
| Mortgage | −$3,912 |
| Property Tax | −$893 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$708 |
| Vacancy (5%) | −$153 |
| Cash Flow | -$2,841/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$36,600 |
| Vacancy (5%) | −$1,830 |
| Property Tax | −$10,710 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,500 |
| Annual NOI | $12,860 |
| Cap Rate | 1.51% |
Cash Required to Close
| Down Payment (20%) | $170,000 |
| Ontario Land Transfer Tax | $13,475 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $186,475 |
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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