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Investment signal

$849,900

45 PAISLEY STREET

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Beds

Baths

3 full + 1 half

Sqft

—

Year

—

Type

Multi-family

Suite

Investment signal

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Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Guelph (Downtown). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Beautifully maintained red brick duplex in the heart of downtown! This solid, character-filled property offers two fully self-contained units, making it an exceptional opportunity for investors. Ideally located just steps to vibrant downtown amenities, transit, and a short distance to the University of Guelph.This property is truly turn-key, featuring reliable, high-quality tenants and excellent income. Extensive recent updates provide peace of mind, including all new windows (2025), electrical panel upgrade (2025), new water main and sewer lines to the city (2025), new soffits and eavestroughs (2024), and new flooring throughout (2024), metal roof! This is a rare opportunity to own a solid, updated duplex in one of Guelph's most desirable locations. (id:65958)

Subtype: Multi-family
Structure: Duplex
Community: Downtown
Lot dimensions: 38 x 103 FT
Bedrooms: 6 above grade, 1 below grade
Parking: 0 total
Stories: 2.5
On market: Apr 17, 2026
Status changed: Apr 17, 2026
Annual tax: $5,759
Photos: 23
MLS#: X13012814
Area: GUELPH_(DOWNTOWN)

Features and systems

Parking

No GarageStreet

Basement

FinishedApartment in basementSeparate entranceN/AN/AN/A

Appliances

All

Heating

Radiant heatNatural gas

Cooling

None

Exterior

Brick

Foundation

Unknown

Community

School Bus

Negative cash flow ~$939/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)Default 4.5% — adjust to your rate holdAmortization (years)

Cash on cash

-6.63%

Cap rate

3.54%

GRM

16.7

Break-even rent

$5,239

Financing

Down payment$169,980

Loan amount$679,920

Mortgage$3,445/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$390

Insurance$80

Maintenance$708

CapEx reserve$354

Vacancy loss$213

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 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 $3,445/mo at 4.5% with 20% down, 30-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.