Detached $800K Near St. Clair And Oakwood With Laneway Suite Potential
This detached in Oakwood Village is priced around $800,000. With about $200,000 in renovations it converts to three units producing about $6,300 per month in gross rent. Add a laneway suite and gross rent climbs to about $9,100 per month.
Why This Toronto Income Property Works So Well
A Great Box for a Triplex
A detached house at $800Ks in a trendy Toronto neighbourhood is rare. The layout suits a clean three-unit conversion without a major rebuild.
Strong Cash Flow on a Lower Lift
About $200K in renos gets you three units at roughly $6,300/month and about $1,800/month in cash flow at 20% down… a ~6% cap rate on cost.
Laneway Suite Upside
The lot has laneway suite potential. A three-bedroom suite adds about $2,900/month and pushes the cap rate on cost to ~7%.
Pull Most of Your Capital Back Out
Build the suite and refinance at the projected $1.45M value, and you could pull out about $520K… roughly 75% of your capital… while still cash flowing about $1,800/month.
🧠 See The Numbers For Yourself
Use our interactive calculator to adjust rent, mortgage rate, and capital to see how this fits your plan.
Actual returns may vary depending on assumptions. Read our definitions and assumptions.
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💵 How Do You Actually Make Money With a Toronto Investment Property?
Traditional investments like GICs, bonds, and dividend stocks might feel safe, but they typically deliver 3–5% returns — and that’s before inflation takes a bite.
This property delivers 9.5% cash-on-cash return and over 15% income return, driven by strong rents and positive cash flow using leverage. That’s the power real estate has over passive investing.
Instead of waiting for the market to hand you returns, you use rental income and financing to create them. Real estate doesn’t just protect capital — it builds it.
Equity Gains
Every month your tenants pay rent, a portion of that pays down your mortgage. That means your loan shrinks, your ownership grows, and your equity builds—automatically.
It’s like a built-in savings plan, growing quietly in the background while your property works for you.
Monthly Cash Flow
Cash flow is the income left over after all bills and mortgage payments.
Some investors are OK with breakeven returns. But if you’re in it for financial freedom, we aim for strong positive cash flow that puts money in your pocket month after month.
This is your path to replacing your 9-to-5—with rental income instead of a paycheque.
Long-Term Market Appreciation
Toronto real estate values don’t move in a straight line, but they’ve trended up over time—averaging 7% annually over the past 20 years.
That’s why investors with capital choose Toronto over riskier markets:
- ✔️ Stronger appreciation potential
- ✔️ Better mortgage terms
- ✔️ Lower long-term risk
Even better, you can tap that appreciation without selling—just refinance, pull out equity, and reinvest with zero capital gains tax.
This consistent growth makes Toronto’s real estate means better returns and lower risk when you want to cash out and take profit.
What's Happening In Toronto's Real Estate Market?
Value-Add Gain
Want to take it up a notch? Renovations can force up your property’s value fast.
But let’s be real—value-add isn’t passive.
You’ll need:
- Smart reno strategy (focus on what boosts rents)
- A good contractor
- Project management skills
Done right, it can mean tens or even hundreds of thousands in added value.
What Toronto Real Estate Investment Is Right For You?
Whether you want turnkey cash flow or a hands-on value-add project, we’ll show you what fits your goals and budget.
