2022-built Credit Valley detached with legal 3-bed basement plus bachelor unit, 5+4 beds
A 2022-built executive detached in Brampton's Credit Valley with a 3-bedroom legal basement apartment and separate bachelor unit, offering multi-unit income potential on a single title. Estimated 3,000+ sqft with double garage and 6-car parking, minutes from Mount Pleasant GO.
Anatoli Chtcherbatov
Analyst · Sutton Group Admiral Realty
List price
$1,339,000
Cap rate
+1.62%
Est. monthly rent
$4,000
Source: comparables_widened
CF at 100% cash
+$1,806/mo
+1.6% CoC
Hold period
60+ mo
planned
The Deal
A 2022-built executive detached in Brampton's Credit Valley with a 3-bedroom legal basement apartment and separate bachelor unit, offering multi-unit income potential on a single title.
Section · Financial Reality
Five ways to buy. The math, side by side.
Each column shows the actual monthly cash flow and cash-on-cash return at that leverage. Click a column for the full breakdown.
Acquisition
| Down payment | $468,650 |
| Mortgage principal | $870,350 |
| Land transfer tax | $20,085 |
| Closing costs | $20,085 |
| Total acquisition | $508,820 |
Monthly cash flow
| Estimated rent | +$4,000 |
| Operating expenses | -$2,194 |
| Mortgage payment | -$5,083 |
| Net cash flow | -$3,277/mo |
Expense breakdown
| Property tax | $0/mo |
| Vacancy allowance | $200/mo |
| Maintenance reserve | $1,116/mo |
| Insurance | $558/mo |
| Property management | $320/mo |
Math by deterministic Python calculator. Rate 4.99% over 25 years. Rent source: comparables_widened (9 comps).
Breakeven
This property turns cash-flow positive at 76.9% down.
Run your own scenario
Move the assumptions. See the math live.
Live result
All figures are estimates only and do not constitute financial advice. The sliders use the same math as the locked five-scenario calculator; only assumptions change. Total acquisition includes the down payment, land transfer tax ($20,085), and closing costs ($20,085).
Section · Investment Thesis
Why this property.
30 Lowell Crescent is a 2022-built detached home listed at $1,339,000 in Brampton's Credit Valley community. The property is configured as a 5+4 bedroom, 6 bathroom layout with two separate basement units, a 3-bedroom legal basement apartment and a bachelor unit accessed via a separate side entrance. Estimated gross annual rent is $48,000 and annual NOI is $21,675, producing an estimated cap rate of 1.62% and gross yield of 3.58% on the list price. Investors should note the rent figure is sourced from widened comparables (9 comps) and the property tax line in the dataset reads $0, which is almost certainly a data omission for a $1.3M Brampton detached; underwrite a realistic tax line before bidding.
Leverage sensitivity here is high. At 20% down ($267,800), the estimated monthly mortgage is $6,255.89 and estimated monthly cash flow is -$4,449.64, a cash-on-cash return of -17.34%. At 35% down ($468,650), monthly cash flow improves to -$3,276.66 (-7.73% cash-on-cash). At 50% down ($669,500), monthly cash flow is -$2,103.68 (-3.56%). At 75% down ($1,004,250), the property approaches breakeven at -$148.72 per month (-0.17%). Only at 100% cash ($1,339,000) does the property turn positive at an estimated +$1,806.25 per month, a 1.57% cash-on-cash return. The minimum recommended down payment to reach near-neutral carry is 75%; true positive carry requires an all-cash position.
The investment case is not cash flow at current rates and underwritten rents; it is a hybrid owner-occupier plus rental play, or an appreciation hold in a high-demand Brampton corridor. Buyers who occupy the main home and rent both basement units materially change the math by removing their own housing cost from the equation. Pure investors should expect to fund a meaningful monthly shortfall unless deploying 75% or more in equity, and should model a 5+ year hold to allow rents and any equity build to offset the negative carry profile.
This is an intermediate-to-advanced file. The multi-unit configuration, legal secondary suite, and proximity to Mount Pleasant GO are genuine demand drivers, but the underwriting requires conservative assumptions on the missing tax line, vacancy across three units, and management overhead for a multi-tenant detached. Financial projections above are estimates only.
Key features
- Built in 2022, move-in ready
- 5+4 bedroom configuration with 6 bathrooms
- 3-bedroom legal basement apartment plus separate bachelor unit
- Separate side entrance to basement units
- Double car garage with 6-car total parking
- Estimated 3,000+ sqft above grade
- Minutes to Mount Pleasant GO Station
- Credit Valley community, top-rated schools nearby
Original MLS description
KEY FEATURES: 5+4 BEDROOMS | 2 BASEMENT UNITS | 3 BEDROOM LEGAL BASEMENT APARTMENT | BACHELOR UNIT | SEPARATE SIDE ENTRANCE | BUILT IN 2022 | DOUBLE CAR GARAGE | 6 CAR PARKING | PRIME CREDIT VALLEY LOCATION | Welcome to 30 Lowell Cres, a stunning executive detached home located in one of Brampton's most desirable family-friendly communities. This spacious open-concept home offers modern finishes, generous principal rooms, a bright kitchen with breakfast area, fireplace, and 6 bathrooms designed for comfortable family living. The professionally finished basement features TWO separate units including a spacious 3-bedroom legal basement apartment plus an additional bachelor unit with separate entrance, perfect for extended family or excellent income potential. Situated on a premium lot close to top-rated schools, parks, walking trails, shopping plazas, restaurants, major highways, and just minutes to Mount Pleasant GO Station for easy commuting. A rare opportunity to own a modern move-in-ready home in the highly sought-after Credit Valley community! Estimated 3000+ sqft. (42909356)
Section · Neighborhood
Where it sits.
Credit Valley
Credit Valley is one of Brampton's most sought-after family neighborhoods, characterized by newer executive housing stock, top-rated schools, and access to parks and walking trails. The property is positioned minutes from Mount Pleasant GO Station, providing direct Kitchener line rail access to downtown Toronto, a key demand driver for both end-user buyers and tenants commuting into the core.
The surrounding area offers shopping plazas, restaurants, and quick access to major highways linking to the 410 and 407 corridors. Brampton continues to absorb GTA population growth, and multi-unit detached homes in established communities like Credit Valley tend to draw multigenerational buyers and tenant pools willing to pay premiums for legal secondary suites with separate entrances.
Section · Risk
What could go wrong.
Honest framing of unknowns, assumptions, and downside scenarios.
High leverage sensitivity: property is cash-flow negative at 20%, 35%, 50%, and 75% down scenarios and only turns positive on an all-cash purchase
Estimated cap rate of 1.62% is low relative to current borrowing costs at a 4.99% mortgage rate
Property tax field in source data shows $0, which is implausible for a $1.339M Brampton detached; buyers must verify actual municipal taxes before underwriting
Rent estimate of $4,000/month is derived from widened comparables (9 comps), not direct in-building comps; actual achievable rent across the main home plus two basement units should be validated unit-by-unit
Multi-tenant detached homes carry higher management overhead, tenant turnover risk, and vacancy exposure across three rentable units
Financial projections are estimates only and not guarantees of future performance