Suite number:
Cardin
Project:
Address:
St. Catharines, Ontario
Developer:
Pinewood Niagara Builders
Property type:
condo
Floor plan:
Bathrooms:
1
Bedrooms:
1
Size:
1160 sqft
Occupancy Date:
Dec 2025
Price, CAD
$850,000
Available
ROI
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Investment Period: 5 years
Yearly Return on Investment in Year 5
19.81%
Cumulative Return on Investment in Year 5
95.56%
Property Price at the End of Year 5
$1,095,000
Deposit Schedule
$20,000 at Signing
Total up to 5% in 30 days
$42,500
5% in 60 days
$42,500
2.5% in 120 days
$21,250
2.5% on Occupancy
$21,250
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 | $44,000 | $46,000 | $49,000 | $51,000 | $54,000 | $57,000 | $60,000 | $63,000 | $66,000 | $70,000 | $561,000 |
| rent income | $2,000 | $27,000 | $28,000 | $30,000 | $31,000 | $32,000 | $34,000 | $35,000 | $37,000 | $38,000 | $294,000 |
| mortgage principal reduction | $856 | $11,000 | $11,000 | $12,000 | $12,000 | $13,000 | $13,000 | $14,000 | $15,000 | $15,000 | $116,000 |
| deposit interest | $4,000 | - | - | - | - | - | - | - | - | - | $4,000 |
| gst hst rebate | $24,000 | - | - | - | - | - | - | - | - | - | $24,000 |
| total income return | $76,000 | $84,000 | $88,000 | $93,000 | $97,000 | $102,000 | $107,000 | $112,000 | $118,000 | $123,000 | $1,000,000 |
Expense/ Investment
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| deposit | $128,000 | - | - | - | - | - | - | - | - | - | $128,000 |
| remaining balance payment | $43,000 | - | - | - | - | - | - | - | - | - | $43,000 |
| closing cost | $54,000 | - | - | - | - | - | - | - | - | - | $54,000 |
| operating expense | $1,000 | $15,000 | $15,000 | $15,000 | $16,000 | $16,000 | $16,000 | $17,000 | $17,000 | $18,000 | $146,000 |
| mortgage payment | $4,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $387,000 |
| total expense investment | $229,000 | $57,000 | $58,000 | $58,000 | $58,000 | $59,000 | $59,000 | $59,000 | $60,000 | $60,000 | $757,000 |
Other
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| net gain loss | -$153,125 | $27,000 | $31,000 | $35,000 | $39,000 | $43,000 | $48,000 | $53,000 | $58,000 | $63,000 | $243,000 |
| cumulative roi | $33 | $52 | $68 | $82 | $96 | $108 | $120 | $131 | $143 | $155 | $989 |
Coveteur
Address: St. Catharines, Ontario
Price Range: $850,000 - $1,345,000
Avail. suites: 20
1—2 bd
1135—1696 SqFt