Suite number:
Cardin
Project:
Address:
St. Catharines, Ontario
Developer:
Pinewood Niagara Builders
Property type:
condo
Bathrooms:
1
Bedrooms:
1
Size:
1160 sqft
Occupancy Date:
Dec 2025
Price, CAD
$1,126,000
Available
ROI
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Investment Period: 5 years
Yearly Return on Investment in Year 5
21.08%
Cumulative Return on Investment in Year 5
99.38%
Property Price at the End of Year 5
$1,451,000
Deposit Schedule
$20,000 at Signing
Total up to 5% in 30 days
$56,300
5% in 60 days
$56,300
2.5% in 120 days
$28,150
2.5% on Occupancy
$28,150
Net Gain (Loss)
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Property Price Appreciation
Investment Details (10-Year Period)
Income/Return
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| property price appreciation | $58,000 | $62,000 | $65,000 | $68,000 | $72,000 | $75,000 | $79,000 | $83,000 | $88,000 | $92,000 | $743,000 |
| rent income | - | $25,000 | $28,000 | $29,000 | $31,000 | $32,000 | $33,000 | $35,000 | $36,000 | $38,000 | $288,000 |
| mortgage principal reduction | - | $15,000 | $16,000 | $17,000 | $18,000 | $19,000 | $19,000 | $20,000 | $21,000 | $22,000 | $167,000 |
| deposit interest | $7,000 | $553 | - | - | - | - | - | - | - | - | $8,000 |
| gst hst rebate | - | $24,000 | - | - | - | - | - | - | - | - | $24,000 |
| total income return | $65,000 | $126,000 | $109,000 | $115,000 | $120,000 | $126,000 | $132,000 | $138,000 | $145,000 | $152,000 | $1,229,000 |
Expense/ Investment
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| deposit | $169,000 | - | - | - | - | - | - | - | - | - | $169,000 |
| remaining balance payment | - | $56,000 | - | - | - | - | - | - | - | - | $56,000 |
| closing cost | - | $58,000 | - | - | - | - | - | - | - | - | $58,000 |
| operating expense | - | $14,000 | $16,000 | $16,000 | $17,000 | $17,000 | $18,000 | $19,000 | $19,000 | $20,000 | $157,000 |
| mortgage payment | - | $47,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $460,000 |
| total expense investment | $169,000 | $176,000 | $68,000 | $68,000 | $69,000 | $69,000 | $70,000 | $70,000 | $71,000 | $71,000 | $900,000 |
Other
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| net gain loss | -$103,519 | -$50,258 | $42,000 | $47,000 | $52,000 | $57,000 | $62,000 | $68,000 | $74,000 | $81,000 | $329,000 |
| cumulative roi | $39 | $54 | $71 | $86 | $99 | $112 | $123 | $135 | $146 | $156 | $1,000 |
Coveteur
Address: St. Catharines, Ontario
Price Range: $890,000 - $1,345,000
Avail. suites: 16
1—2 bd
1135—1696 SqFt