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Investment signal

$419,900

643 ALBERT Street Unit# 2

Beds

3

Baths

2.1

Sqft

Year

1974

About this home

Amazing location—perfect for a first-time home buyer, a parent with a student attending one of the nearby universities, or an investor looking for strong cash flow. This home is freshly painted and located in a desirable complex close to both universities and right on a major bus route. Condo townhouse with a garage that has inside entry, parking for two cars, and visitor parking. This home features 3 spacious bedrooms, updated electrical panel, a newer kitchen, and a dining area that walks out to a private back patio. With low condo fees and an affordable price, this is a great opportunity to own in a thriving, fast-growing city. Come take a look! (id:65958)

Subtype
Single Family
Architectural style
2 Level
MLS#
40821133
Area
WATERLOO
Negative cash flow ~$578/mo at these assumptions

Cash on cash

-8.26%

Cap rate

4.24%

GRM

14.6

Break-even rent

$3,009

Financing

Down payment$83,980
Loan amount$335,920
Mortgage$2,061/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$192
Insurance$80
Maintenance$350
CapEx reserve$175
Vacancy loss$120

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.

Mortgage estimate

Estimated $2,061/mo at 5.49% with 20% down, 25-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 15, 2026.

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