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Investment signal

$699,000

7 CHURCH STREET

Beds

6

Baths

4

Sqft

Year

About this home

Solid Brick Legal Fourplex for Sale. This well-maintained investment property offers two 1-bedroom units and two 2-bedroom units, all with long-term tenant retention. Tenants pay their own hydro and water. Additional features include private upper and lower sun decks for each unit, along with ample parking for all residents. Mature 20-ft cedar hedges provide exceptional privacy. The property is heated by a newer computerized gas hot water heating system, delivering excellent cost efficiency. The hot water heating System is rented, with all servicing and parts included. An excellent opportunity to acquire a turnkey, income-generating fourplex in a desirable and quiet neighborhood. Unit 3 is vacant and has been recently updated with new kitchen cabinets, countertops, vinyl flooring, and a brand-new tub surround. Potential rent is $1,500/month. (id:65958)

Subtype
Multi-family
MLS#
X13013136
Area
ST._THOMAS
Negative cash flow ~$1,380/mo at these assumptions

Cash on cash

-11.84%

Cap rate

3.52%

GRM

16.6

Break-even rent

$4,952

Financing

Down payment$139,800
Loan amount$559,200
Mortgage$3,431/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$320
Insurance$80
Maintenance$583
CapEx reserve$291
Vacancy loss$175

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 $3,431/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 17, 2026.

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