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$433,888

2 Beds

1 Bath

480 sqft

1107-84 James St, St. Catharines, ON, L2R 5C1

St. Catharines ON, L2R 5C1

MLS® # PB1070-1107

Property Features:

  • Bedrooms: 1.5
  • Bathrooms: 1.0
  • Floor Space (approx): 480

This listing content provided by Brokers PlaybookTM

Potential Investment Performance

Cumulative ROI

80.4%

Cumulative Market Appreciation

$119,875

Net Operating Income in Year 5

$12,510

Cash on Cash Return in Year 5

-8.1%

Assumptions

The information below is based on user inputs and general assumptions for informational purposes only. The outputs are not legal, financial, investment, or other advice. Review all fields for accuracy and consult an agent for guidance.

Mortgage Calculator

Mortgage
Purchase Price
$
Down Payment
%
$86,778
Mortgage Amount $347,110
Mortgage Payment
%
$1,801

Cash Flow Calculator

monthly
yearly
Income
Gross Rental Income
Powered By
$
Vacancy Rate
%
$
Other
$
Gross Operating Income $1,396
Operating Expenses
Management Fees
%
$
Property Tax
$
Repair Reserve
%
$
Insurance
$
Condo/Strata Fees
$
Total Operating Expenses $564
Net Operating Income $832
Debt Service
Mortgage Payment $1,801
Net Cash Flow -$968

Acquistion Costs

Deposit $86,776
Land Transfer Tax $5,152
Legal Fees $1,500
Adjustments $0
Development Charges $15,000
Down Payment Balance $1
Total Acquisition Costs $108,429

Deposit Schedule

With the Offer $5,000
Deposit @ 30 days $16,694
Deposit @ 90 days $10,847
Deposit @ 150 days $10,847
Deposit @ 380 days $10,847
Deposit @ 500 days $10,847
Due on Occupancy $21,694
Total Deposit $86,776
Closing Date Jan 1, 2027

Components of Return

Potential Returns

Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10
Investments
Deposits $43,388$43,388 - - - - - - - -
Closing Costs - $21,653 - - - - - - - -
Mortgage Paydown - $1,772$5,485$5,749$6,025$6,315$6,619$6,937$7,270$7,620
Total $43,388$66,813$5,485$5,749$6,025$6,315$6,619$6,937$7,270$7,620
Cash Invested $43,388$110,201$115,687$121,437$127,462$133,778$140,397$147,334$154,605$162,225
Rental Cash Flows
Rent and other income - $5,587$17,001$17,732$18,495$19,290$20,120$20,985$21,887$22,828
Operating Expenses - -$2,256-$6,825-$6,997-$7,175-$7,358-$7,546-$7,740-$7,940-$8,145
Mortgage Payment - -$7,204-$21,612-$21,612-$21,612-$21,612-$21,612-$21,612-$21,612-$21,612
Net Cash Flow - -$3,872-$11,435-$10,877-$10,292-$9,679-$9,038-$8,367-$7,664-$6,929
Returns
Property Price Appreciation $21,694$22,779$23,918$25,113$26,369$27,688$29,072$30,526$32,052$33,655
Mortgage Paydown - $1,772$5,485$5,749$6,025$6,315$6,619$6,937$7,270$7,620
Net Cash Flow - -$3,872-$11,435-$10,877-$10,292-$9,679-$9,038-$8,367-$7,664-$6,929
Total Return $21,694$20,678$17,968$19,986$22,103$24,323$26,652$29,095$31,658$34,346
Cumulative Return $21,694$42,372$60,341$80,327$102,431$126,754$153,407$182,503$214,161$248,507
Investment Metrics
Cumulative ROI 50.0% 38.5% 52.2% 66.1% 80.4% 94.7% 109.3% 123.9% 138.5% 153.2%
Cash On Cash - -3.5% -9.9% -9.0% -8.1% -7.2% -6.4% -5.7% -5.0% -4.3%

Location of 1107-84 James St, St. Catharines, ON, L2R 5C1

Demographic Information of 1107-84 James St, St. Catharines, ON, L2R 5C1

Life Stage

Young Couples

Employment Type

Blue Collar/Primary, Blue Collar/Service Sector

Average Household Income

$92,583.48

Average Number of Children

1.38

Household Population

Household Structure

Age of Population

Education

Education Level

No certificate/diploma/degree

11.21 %

High school certificate or equivalent

32.51 %

Apprenticeship trade certificate/diploma

4.58 %

College/non-university certificate

19.58 %

University certificate (below bachelor)

1.84 %

University Degree

30.27 %

Commuter

Travel To Work

By Car

72.51 %

By Public Transit

8.5 %

By Walking

16.38 %

By Bicycle

0.91 %

By Other Methods

1.7 %

Cultural Diversity

Knowledge of Official Language

Mother Tongue

Building Information

Building Type

Apartments (Low and High Rise)

78.69 %

Houses

21.31 %

Own Vs. Rent