Suite number:
203 - Shoreline
Project:
Address:
St. Catharines, Ontario
Developer:
Valour Group
Property type:
condo
Floor plan:
Bathrooms:
2
Bedrooms:
2.5
Size:
1106 sqft
Occupancy Date:
Jan 2027
Price, CAD
$1,040,990
Available
ROI
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Investment Period: 5 years
Yearly Return on Investment in Year 5
21.98%
Cumulative Return on Investment in Year 5
103.10%
Property Price at the End of Year 5
$1,341,000
Deposit Schedule
$5,000 at Signing
Total up to 0% in 30 days
$5,000
2.5% in 60 days
$26,025
2.5% on Occupancy
$26,025
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 | $54,000 | $57,000 | $60,000 | $63,000 | $66,000 | $70,000 | $73,000 | $77,000 | $81,000 | $85,000 | $687,000 |
| rent income | - | $32,000 | $40,000 | $42,000 | $44,000 | $45,000 | $47,000 | $49,000 | $52,000 | $54,000 | $405,000 |
| mortgage principal reduction | - | $11,000 | $13,000 | $14,000 | $15,000 | $15,000 | $16,000 | $17,000 | $18,000 | $19,000 | $138,000 |
| deposit interest | $3,000 | $475 | - | - | - | - | - | - | - | - | $3,000 |
| gst hst rebate | - | $24,000 | - | - | - | - | - | - | - | - | $24,000 |
| total income return | $56,000 | $124,000 | $113,000 | $119,000 | $125,000 | $131,000 | $137,000 | $144,000 | $150,000 | $158,000 | $1,256,000 |
Expense/ Investment
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| deposit | $57,000 | - | - | - | - | - | - | - | - | - | $57,000 |
| remaining balance payment | - | $151,000 | - | - | - | - | - | - | - | - | $151,000 |
| closing cost | - | $58,000 | - | - | - | - | - | - | - | - | $58,000 |
| operating expense | - | $14,000 | $17,000 | $17,000 | $18,000 | $18,000 | $18,000 | $19,000 | $19,000 | $20,000 | $160,000 |
| mortgage payment | - | $43,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $52,000 | $460,000 |
| total expense investment | $57,000 | $266,000 | $69,000 | $69,000 | $70,000 | $70,000 | $71,000 | $71,000 | $72,000 | $72,000 | $887,000 |
Other
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| net gain loss | -$562 | -$141,895 | $44,000 | $49,000 | $55,000 | $60,000 | $66,000 | $72,000 | $79,000 | $86,000 | $370,000 |
| cumulative roi | $99 | $52 | $71 | $87 | $103 | $118 | $133 | $148 | $163 | $179 | $1,000 |
The Harbour Club
Address: St. Catharines, Ontario
Price Range: $643,000 - $3,425,000
Avail. suites: 56
1—3 bd
668—3071 SqFt