Investment Opportunity
Investment Opportunity: 630 Rogers Rd #21, Toronto
A turnkey rental property in a high-demand Toronto neighbourhood
Financial Analysis
Rental Income Analysis
Based on a purchase price of $615,000 with 20% down ($123,000), a 5-year fixed mortgage rate of 4.5%, 25-year amortization. Rent estimated at $2,500/month (midpoint of $2,420–$2,600 range).
Monthly Income
Total Monthly Income
$2,500
Monthly Expenses
Total Monthly Expenses
$3,580
Monthly Cash Flow
−$1,080
While the monthly cash flow is negative with a mortgage, the real wealth-building happens through equity buildup and appreciation — see the long-term projection below.
Year 1 Projection
Annual Wealth Buildup
Total Rent Collected
$30,000
Principal Paydown (Your Equity)
$10,500
Estimated Appreciation (3.5%)
$21,525
Total Annual Return
$32,025
Cash Invested
$135,960
Down payment + negative cash flow
Return on Investment (ROI)
~23.6%
Year 1 total return on cash invested
These are estimates based on reasonable assumptions. Actual returns will vary.
Long-Term Outlook
5-Year Projection
| Year | Equity Built | Est. Property Value | Cumulative Return |
|---|---|---|---|
| 1 | $10,500 | $636,525 | $32,025 |
| 2 | $21,600 | $658,804 | $65,904 |
| 3 | $33,400 | $681,862 | $101,262 |
| 4 | $45,900 | $705,727 | $138,227 |
| 5 | $59,200 | $730,427 | $176,927 |
Year 1
Year 2
Year 3
Year 4
Year 5
Your $123,000 down payment grows to approximately $176,927 in total return over 5 years.
Assumes 3.5% annual appreciation.
Learn the Lingo
Investment Glossary
Cash Flow
The difference between rental income and all expenses. Positive cash flow means money in your pocket each month; negative means you're subsidizing the property — but you're still building equity.
ROI (Return on Investment)
Your total return expressed as a percentage of what you invested. A 23.6% ROI means you earned $23.60 for every $100 invested in Year 1.
Capital Gains
The increase in your property's value over time. When you sell, this profit (minus your adjusted cost base) is what you keep — and in Canada, the principal residence exemption may apply if you live there at some point.
Equity Buildup
The portion of each mortgage payment that goes toward reducing your loan balance. Unlike rent, this money isn't spent — it's converted into ownership of your home.
Cap Rate (Capitalization Rate)
Net operating income divided by the property price. A higher cap rate generally indicates a better investment return relative to the purchase price.
Investor Advantages
Why This Property Works for Investors
630 Rogers Rd #21 isn't just a great first home — it's a smart rental investment in one of Toronto's most accessible neighbourhoods. Here's what makes it stand out.
Move-in Ready
No renovation costs — new flooring, modern kitchen, quartz countertops. tenants can move in immediately.
Tenant-Pays Utilities
Gas, electricity, and internet are the tenant's responsibility — keeping your operating costs predictable.
Low Maintenance
Stack townhouse design means lower exterior and roof maintenance costs compared to detached homes.
High Rental Demand
Steps from transit, shops, parks, and major highways — a strong and consistent tenant pool in this area.
Built in 2019
Modern construction with remaining warranty coverage — fewer surprise repair bills in the early years.
In-Unit Laundry
A major convenience factor that attracts quality tenants and supports premium rent positioning.
Interested?
Ready to explore this investment?
Whether you're a seasoned investor or purchasing your first rental property, Tory can walk you through the numbers, the process, and the opportunity. Reach out for a detailed investment brief.
Send a Message
Fill out the form and Tory will respond within 24 hours.
Thank you!
Tory will get back to you shortly.
Something went wrong.
Please try again or call Tory directly.
This analysis is for informational purposes only and does not constitute financial or investment advice. Consult a licensed financial advisor or mortgage professional before making investment decisions. All projections are estimates based on current market assumptions and may not reflect actual future performance.