Suite number:
Gaultier A2
Project:
Address:
St. Catharines, Ontario
Developer:
Pinewood Niagara Builders
Property type:
condo
Floor plan:
Bathrooms:
1.5
Bedrooms:
2
Size:
1440 sqft
Occupancy Date:
Mar 2026
Price, CAD
$1,204,000
Available
ROI
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Investment Period: 5 years
Yearly Return on Investment in Year 5
20.61%
Cumulative Return on Investment in Year 5
97.70%
Property Price at the End of Year 5
$1,551,000
Deposit Schedule
$20,000 at Signing
Total up to 5% in 30 days
$60,200
5% in 60 days
$60,200
2.5% in 120 days
$30,100
2.5% on Occupancy
$30,100
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 | $62,000 | $66,000 | $69,000 | $73,000 | $77,000 | $81,000 | $85,000 | $89,000 | $94,000 | $99,000 | $795,000 |
| rent income | $25,000 | $43,000 | $45,000 | $47,000 | $49,000 | $51,000 | $53,000 | $56,000 | $58,000 | $60,000 | $487,000 |
| mortgage principal reduction | $9,000 | $15,000 | $16,000 | $17,000 | $18,000 | $18,000 | $19,000 | $20,000 | $21,000 | $22,000 | $176,000 |
| deposit interest | $2,000 | - | - | - | - | - | - | - | - | - | $2,000 |
| gst hst rebate | $24,000 | - | - | - | - | - | - | - | - | - | $24,000 |
| total income return | $121,000 | $124,000 | $130,000 | $137,000 | $143,000 | $150,000 | $158,000 | $165,000 | $173,000 | $182,000 | $1,483,000 |
Expense/ Investment
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| deposit | $181,000 | - | - | - | - | - | - | - | - | - | $181,000 |
| remaining balance payment | $60,000 | - | - | - | - | - | - | - | - | - | $60,000 |
| closing cost | $61,000 | - | - | - | - | - | - | - | - | - | $61,000 |
| operating expense | $11,000 | $20,000 | $20,000 | $21,000 | $21,000 | $22,000 | $22,000 | $23,000 | $23,000 | $24,000 | $206,000 |
| mortgage payment | $35,000 | $60,000 | $60,000 | $60,000 | $60,000 | $60,000 | $60,000 | $60,000 | $60,000 | $60,000 | $578,000 |
| total expense investment | $348,000 | $80,000 | $80,000 | $81,000 | $81,000 | $82,000 | $82,000 | $83,000 | $83,000 | $84,000 | $1,086,000 |
Other
| Category | Y1 | Y2 | Y3 | Y4 | Y5 | Y6 | Y7 | Y8 | Y9 | Y10 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| net gain loss | -$227,160 | $44,000 | $50,000 | $56,000 | $62,000 | $68,000 | $75,000 | $82,000 | $90,000 | $98,000 | $398,000 |
| cumulative roi | $30 | $50 | $67 | $83 | $98 | $112 | $126 | $140 | $153 | $168 | $1,000 |
Coveteur
Address: St. Catharines, Ontario
Price Range: $850,000 - $1,345,000
Avail. suites: 20
1—2 bd
1135—1696 SqFt