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$478,888

88 James - 84 James St - 1511 - St. Catharines, ON, L2R 5C1

MLS® # PB369-1511

1.5 Beds

1 Bath

551 sqft

Property Features:

  • Bedrooms: 1.5
  • Bathrooms: 1.0
  • Floor Space (approx): 551

This listing content provided by Brokers PlaybookTM

Potential Investment Performance

Cumulative ROI

84.6%

Cumulative Market Appreciation

$132,307

Net Operating Income in Year 5

$14,425

Cash on Cash Return in Year 5

-8.0%

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
%
$
Mortgage Amount $383,110
Mortgage Payment
%
$1,987

Cash Flow Calculator

monthly
yearly
Income
Gross Rental Income
$
Vacancy Rate
%
$
Other
$
Gross Operating Income $1,603
Operating Expenses
Management Fees
%
$
Property Tax
$
Repair Reserve
%
$
Insurance
$
Condo/Strata Fees
$
Total Operating Expenses $642
Net Operating Income $960
Debt Service
Mortgage Payment $1,987
Net Cash Flow -$1,026

Acquistion Costs

Deposit $95,776
Land Transfer Tax $6,052
Legal Fees $1,500
Adjustments $0
Development Charges $15,000
Down Payment Balance $1
Total Acquisition Costs $118,329

Deposit Schedule

With the Offer $5,000
Deposit @ 30 days $18,944
Deposit @ 90 days $11,972
Deposit @ 150 days $11,972
Deposit @ 380 days $11,972
Deposit @ 500 days $11,972
Due on Occupancy $23,944
Total Deposit $95,776
Closing Date Jan 1, 2027

Components of Return

Potential Returns

Year 1Year 2Year 3Year 4Year 5Year 6Year 7Year 8Year 9Year 10
Investments
Deposits $47,888$47,888 - - - - - - - -
Closing Costs - - $22,553 - - - - - - -
Mortgage Paydown - - $5,960$6,247$6,547$6,862$7,192$7,537$7,900$8,279
Total $47,888$47,888$28,514$6,247$6,547$6,862$7,192$7,537$7,900$8,279
Cash Invested $47,888$95,776$124,290$130,537$137,085$143,947$151,139$158,677$166,577$174,857
Rental Cash Flows
Rent and other income - - $19,240$20,068$20,931$21,831$22,770$23,749$24,770$25,835
Operating Expenses - - -$7,709-$7,904-$8,105-$8,312-$8,525-$8,744-$8,969-$9,202
Mortgage Payment - - -$23,853-$23,853-$23,853-$23,853-$23,853-$23,853-$23,853-$23,853
Net Cash Flow - - -$12,322-$11,689-$11,027-$10,334-$9,608-$8,848-$8,053-$7,220
Returns
Property Price Appreciation $23,944$25,141$26,398$27,718$29,104$30,559$32,087$33,692$35,376$37,145
Mortgage Paydown - - $5,960$6,247$6,547$6,862$7,192$7,537$7,900$8,279
Net Cash Flow - - -$12,322-$11,689-$11,027-$10,334-$9,608-$8,848-$8,053-$7,220
Total Return $23,944$25,141$20,037$22,275$24,624$27,087$29,671$32,381$35,223$38,205
Cumulative Return $23,944$49,086$69,123$91,399$116,023$143,110$172,781$205,163$240,386$278,591
Investment Metrics
Cumulative ROI 50.0% 51.3% 55.6% 70.0% 84.6% 99.4% 114.3% 129.3% 144.3% 159.3%
Cash On Cash - - -9.9% -9.0% -8.0% -7.2% -6.4% -5.6% -4.8% -4.1%

Location of 1511-84 James St, St. Catharines, ON, L2R 5C1

Demographic Information of 1511-84 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