130 Stirton Street, Hamilton
Hamilton
$525,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 PERCY FULTON LTD.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,950/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to 130 Stirton Street! This corner lot detached home offers five bedrooms, two full bathrooms and flexible living space in the heart of central Hamilton. Enjoy convenient access to public transit, schools, parks, playgrounds, shopping, dining and everyday amenities. A wonderful opportunity to add your personal touch and make this home your own! Perfect for first-time homebuyers or investors seeking a prime Hamilton center location.
MississaugaInvestor.ca
130 Stirton Street
Detached · 5bd/2ba · ~1,300 sqft
$525,000
Cash-Flow Report · August 1, 2026
Cap Rate
3.63%
Monthly Cash Flow
-$829/mo
Estimated Rent
$2,950/mo
Cash-on-Cash
-8.65%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,950 |
| Mortgage | −$2,417 |
| Property Tax | −$551 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$438 |
| Vacancy (5%) | −$148 |
| Cash Flow | -$829/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$35,400 |
| Vacancy (5%) | −$1,770 |
| Property Tax | −$6,615 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$5,250 |
| Annual NOI | $19,065 |
| Cap Rate | 3.63% |
Cash Required to Close
| Down Payment (20%) | $105,000 |
| Ontario Land Transfer Tax | $6,975 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $114,975 |
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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