2022-built Credit Valley detached with 3-bed legal basement plus bachelor unit, 5+4 layout
A 2022-built executive detached in Brampton's Credit Valley with a 3-bedroom legal basement apartment and a separate bachelor unit on a side entrance. The income-conversion is already executed; the thesis is multi-stream rental absorption against a $1,339,000 list price.
Anatoli Chtcherbatov
Analyst · Sutton Group Admiral Realty
List price
$1,339,000
Cap rate
+1.62%
Est. monthly rent
$4,000
Source: comparables_widened
Est. net spread
+$300K
6mo hold
Annualized ROI
+44%
preliminary
Section · Why this passed our floor
What lifts the math here
Current cap
1.62% on the existing single-unit rent. The thesis is the income uplift after the conversion is complete, not today's number.
Projected post-conversion spread
$299,717 estimated over a 6-month hold using default market reno costs and the underwritten rent source.
Recommended leverage
100% down to reach neutral or positive carry during the conversion window.
Rent backed by
Estimate sourced from city-wide comparables, not a CMHC fallback.
Every property published on 6Yield clears a multi-stage screen — universal financial floor, per-tier quality gate, and an editorial review on listing evidence. These bullets summarize the specific facts that cleared this property’s tier. Estimates only; not financial advice.
Fix-and-flip projection
The spread, before the buy-and-hold math.
Preliminary · adjust scope & uplift
Renovation scope
Projection
Preliminary estimate. Renovation costs use 6Yield default per-sqft figures. Post-renovation value is modeled as a multiple of list price — replace with comparable post-renovation sales for higher precision. Carrying costs include property tax, condo fees if any, and insurance; financing costs not yet modeled.
Section · Buy-and-hold backup
If you held instead. The carrying 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 |
Calculated at 4.99% mortgage over 25 years. Rent estimated from comparable rentals (n=9).
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.
This suits a value-add or portfolio-builder investor who wants the suite work already completed and legally documented. The home offers a 3-bedroom legal basement apartment plus a bachelor unit with separate side entrance, which converts a single detached into a three-stream rental on day one. At a $1,339,000 list and an estimated 1.62% cap rate, the play is income stacking over time as principal residence rent stabilizes, not immediate positive carry at conventional leverage.
Credit Valley is a master-planned pocket in west Brampton bordered by Mississauga Road and Bovaird Drive. The listing places the home minutes to Mount Pleasant GO Station on the Kitchener line, which feeds Union Station and absorbs commuter demand for the lower units. Surrounding draws include top-rated schools, parks, walking trails, shopping plazas, restaurants, and major highways referenced in the listing, supporting tenant depth across the 3-bedroom suite (family demand) and the bachelor unit (single-commuter demand). The 2022 build year limits near-term capex and aligns with Brampton's newer-build inventory in this catchment.
Execution requires meaningful equity. Estimated monthly cash flow runs $-4,449.64 at 20% down and reaches near-breakeven at $-148.72 at 75% down, turning positive at $1,806.25 on an all-cash basis. The recommended entry is 75% down or higher for investors targeting carry neutrality, with a 60+ month hold to capture rent escalation across three units and Credit Valley price absorption. Refinance or rebalance once the upper-unit rent stabilizes.
Key features
- Built in 2022, limiting near-term capex exposure
- 5+4 bedroom configuration with 6 bathrooms
- 3-bedroom legal basement apartment
- Additional bachelor unit with separate side entrance
- Double car garage with 6-car total parking
- Minutes to Mount Pleasant GO Station
- Premium lot in Credit Valley community
- Estimated 3000+ sqft above and below grade
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 newer master-planned communities in the western part of the city, characterized by 2010s and 2020s detached inventory and family-oriented demographics. The listing notes proximity to Mount Pleasant GO Station, which provides Kitchener-line service into Union Station and anchors commuter rental demand.
Surrounding amenities cited in the listing include top-rated schools, parks, walking trails, shopping plazas, restaurants, and major highway access, supporting both owner-occupier resale demand and multi-unit tenant absorption.
Section · Risk
What could go wrong.
Honest framing of unknowns, assumptions, and downside scenarios.
High leverage sensitivity: cash flow is negative at all financed scenarios including 75% down (estimated -$148.72/month) and only turns positive at 100% cash (estimated +$1,806.25/month).
Estimated cap rate of 1.62% is below typical GTA investor thresholds; thesis depends on rent escalation and appreciation rather than current yield.
Estimated monthly rent of $4,000 sourced from widened comparables; actual achievable rent across three streams may vary.
Three-tenant management complexity: principal residence plus 3-bedroom suite plus bachelor unit requires active landlord oversight or property management.
Brampton has seen elevated detached inventory; resale timing in the $1.3M+ band may require patience.