4-Ways-to-Win™ [VIS | Spring 2021]

TM

4-Ways to Win

INVESTING IN HAMILTON, BRANTFORD & ST. CATHARINES REAL ESTATE

Hamilton INVESTMENT OPPORTUNITIES

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

fi

www.theheddlegroup.ca - 905.574.7441

6 Greig St. - Hamilton, ON Realtor Name: The Heddle Group Property Type: 4 Units Additional Information: Fully tenanted MONTHLY GROSS RENTAL INCOME

$4,900

Other Income: Rental Vacancy Rate

$0 $147

3%

MONTHLY GROSS OPERATING INCOME (GOI)

$4,753

MONTHLY OPERATING EXPENSES Property Taxes

$280

Insurance Utilities

$167 $340

Repairs & Maintenance Reserve Property Management

3% 0%

$147 $0

Condo/Strata Fees Cleaning

$0 $0

Gifts Lawn Maintenance/Snow Removal

$0 $0 $0

Other: TOTAL NET OPERATING EXPENSES (NOE)

$934

NET OPERATING INCOME (GOI - NOE)

$3,819

MONTHLY DEBT SERVICE Mortgage Payment 2nd Mortgage or LOC Payment TOTAL MONTHLY DEBT SERVICE

$2,524 $0

ESTIMATED NET MONTHLY CASH FLOW

$2,524 $1,295

PASSIVE APPRECIATION

5.00%

LIST PRICE

$799,900

Down Payment Mortgage Amount

$799,900

List Price:

20%

$ 159,980 $ 639,920

Interest Rate

2.50%

Amortization (years)

30

Monthly Payment

$

2,524

CASH REQUIRED TO CLOSE $159,980

Down Payment

$0

Initial Improvements Building Inspection

$500

Appraisal

$500 $12,473

Land Transfer Tax

$1,200

Legal Fees TOTAL CASH

The 4 Ways to Win™

$174,653

22.90%

25% 20% 15% 10%

8.90%

The 4 Ways to Win™

8.32%

5% 0%

0.00% Cash F low

Principal Recapture

Passive Appreciation

Active Appreciation

Cash Flow

$

15,537

Principal Recapture Passive Appreciation

$ $

14,540 39,995

Active Appreciation

$

Year One Total ROI

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

www.theheddlegroup.ca - 905.574.7441

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40.12%

327 Queen St. S. - Hamilton, ON Realtor Name: The Heddle Group Property Type: 3 Units Additional Information: Can be fully vacant MONTHLY GROSS RENTAL INCOME Other Income: Rental Vacancy Rate

$4,200 $0 $126

3%

MONTHLY GROSS OPERATING INCOME (GOI)

$4,074

MONTHLY OPERATING EXPENSES Property Taxes Insurance

$379 $167

Utilities Repairs & Maintenance Reserve Property Management

$442 $126 $0

3% 0%

Condo/Strata Fees Cleaning

$0 $0

Gifts Lawn Maintenance/Snow Removal

$0 $0 $0

Other: Internet TOTAL NET OPERATING EXPENSES (NOE)

$1,114

NET OPERATING INCOME (GOI - NOE)

$2,960

MONTHLY DEBT SERVICE Mortgage Payment 2nd Mortgage or LOC Payment TOTAL MONTHLY DEBT SERVICE

$2,366 $2,366 $594

ESTIMATED NET MONTHLY CASH FLOW PASSIVE APPRECIATION

5.00%

LIST PRICE

$749,777

Down Payment Mortgage Amount

$749,777

List Price:

20%

$ 149,955 $ 599,822

Interest Rate

2.50%

Amortization (years)

30

Monthly Payment

$

2,366

CASH REQUIRED TO CLOSE $149,955

Down Payment

$0

Initial Improvements

$0

Building Inspection

$500

Appraisal

$11,471

Land Transfer Tax

$1,800

Legal Fees

The 4 Ways to Win™

TOTAL CASH

$163,726

22.90%

25% 20% 15% 10% 5% 0%

The 4 Ways to Win™

8.32% 4.36% 0.00% Cash F low

Principal Recapture

Passive Appreciation

Active Appreciation

Cash Flow

$

7,132

Principal Recapture Passive Appreciation

$ $

13,629 37,489

Active Appreciation

$

Year One Total ROI

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

www.theheddlegroup.ca - 905.574.7441

fi

eKS-H16-1

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35.58%

St. Catharines INVESTMENT OPPORTUNITIES

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

fi

www.theheddlegroup.ca - 905.574.7441

24 Whitworth St. - St. Catharines, ON Realtor Name: The Heddle Group Property Type: 2 Units Additional Information: Tenants pay hydro MONTHLY GROSS RENTAL INCOME Other Income: Rental Vacancy Rate

$2,800 $0 $84

3%

MONTHLY GROSS OPERATING INCOME (GOI)

$2,716

MONTHLY OPERATING EXPENSES Property Taxes Insurance Utilities Repairs & Maintenance Reserve 3% Property Management 0% Condo/Strata Fees Cleaning

$131 $125 $208 $84 $0 $0 $0

Gifts Lawn Maintenance/Snow Removal

$0 $0 $0

Other: TOTAL NET OPERATING EXPENSES (NOE)

$549

NET OPERATING INCOME (GOI - NOE)

$2,167

MONTHLY DEBT SERVICE Mortgage Payment 2nd Mortgage or LOC Payment TOTAL MONTHLY DEBT SERVICE

$1,893 $0 $1,893

ESTIMATED NET MONTHLY CASH FLOW

$274

PASSIVE APPRECIATION

5.00%

LIST PRICE

$599,900

Down Payment Mortgage Amount

$599,900

List Price:

20%

$ 119,980 $ 479,920

Interest Rate

2.50%

Amortization (years)

30

Monthly Payment

$

1,893

CASH REQUIRED TO CLOSE $119,980

Down Payment

$0

Initial Improvements

$500

Building Inspection

$500

Appraisal

$8,473

Land Transfer Tax

$1,200

Legal Fees TOTAL CASH

The 4 Ways to Win™

$130,653

22.96%

25% 20% 15% 5% 0%

The 4 Ways to Win™

8.35%

10% 2.52% Cash F low

0.00% Principal Recapture

Passive Appreciation

Active Appreciation

Cash Flow

$

3,293

Principal Recapture Passive Appreciation

$ $

10,904 29,995

Active Appreciation

$

Year One Total ROI

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

www.theheddlegroup.ca - 905.574.7441

fi

eKS-H16-1

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33.82%

11 Woodelm Dr. - St. Catharines, ON Realtor Name: The Heddle Group Property Type: 2 Units Additional Information: Tenants pay hydro MONTHLY GROSS RENTAL INCOME Other Income: Rental Vacancy Rate

$3,300 $0 $99

3%

MONTHLY GROSS OPERATING INCOME (GOI)

$3,201

MONTHLY OPERATING EXPENSES Property Taxes Insurance Utilities Repairs & Maintenance Reserve 3% Property Management 0% Condo/Strata Fees Cleaning

$306 $125 $233 $99 $0 $0 $0

Gifts Lawn Maintenance/Snow Removal

$0 $0 $0

Other: Internet TOTAL NET OPERATING EXPENSES (NOE)

$763

NET OPERATING INCOME (GOI - NOE)

$2,438

MONTHLY DEBT SERVICE Mortgage Payment 2nd Mortgage or LOC Payment TOTAL MONTHLY DEBT SERVICE

$1,956 $1,956

ESTIMATED NET MONTHLY CASH FLOW

$482

PASSIVE APPRECIATION

5.00%

LIST PRICE

$619,900

Down Payment Mortgage Amount

$619,900

List Price:

20%

$ 123,980 $ 495,920

Interest Rate

2.50%

Amortization (years)

30

Monthly Payment

$

1,956

CASH REQUIRED TO CLOSE $123,980

Down Payment Initial Improvements

$0

Building Inspection

$0 $500

Appraisal

$8,873

Land Transfer Tax

$1,800

Legal Fees TOTAL CASH

The 4 Ways to Win™

$135,153

22.93%

25% 20% 15% 10% 5% 0%

The 4 Ways to Win™

8.34% 4.28% 0.00% Cash F low

Principal Recapture

Passive Appreciation

Active Appreciation

Cash Flow

$

5,784

Principal Recapture Passive Appreciation

$ $

11,268 30,995

Active Appreciation

$

Year One Total ROI

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

www.theheddlegroup.ca - 905.574.7441

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35.55%

Brantford INVESTMENT OPPORTUNITIES

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

fi

www.theheddlegroup.ca - 905.574.7441

212 Brant Ave. - Brantford, ON Realtor Name: The Heddle Group Property Type: 2 Units Additional Information: Tenants pay hydro & water MONTHLY GROSS RENTAL INCOME Other Income: Rental Vacancy Rate

$2,740 $0 $82

3%

MONTHLY GROSS OPERATING INCOME (GOI)

$2,658

MONTHLY OPERATING EXPENSES Property Taxes Insurance Utilities Repairs & Maintenance Reserve 3% Property Management 0% Condo/Strata Fees Cleaning

$253 $125 $183 $82 $0 $0 $0

Gifts Lawn Maintenance/Snow Removal

$0 $0 $0

Other: Internet TOTAL NET OPERATING EXPENSES (NOE)

$643

NET OPERATING INCOME (GOI - NOE)

$2,014

MONTHLY DEBT SERVICE Mortgage Payment 2nd Mortgage or LOC Payment TOTAL MONTHLY DEBT SERVICE

$1,783 $1,783

ESTIMATED NET MONTHLY CASH FLOW

$231

PASSIVE APPRECIATION

5.00%

LIST PRICE

$565,000

Down Payment Mortgage Amount

$565,000

List Price:

20%

$ 113,000 $ 452,000

Interest Rate

2.50%

Amortization (years)

30

Monthly Payment

$

1,783

CASH REQUIRED TO CLOSE $113,000

Down Payment

$0

Initial Improvements

$500

Building Inspection

$500

Appraisal

$7,775

Land Transfer Tax

$1,800

Legal Fees TOTAL CASH

The 4 Ways to Win™

$123,575

22.86%

25% 20% 15% 5% 0%

The 4 Ways to Win™

8.31%

10% 2.25% Cash F low

0.00% Principal Recapture

Passive Appreciation

Active Appreciation

Cash Flow

$

2,777

Principal Recapture Passive Appreciation

$ $

10,270 28,250

Active Appreciation

$

Year One Total ROI

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

www.theheddlegroup.ca - 905.574.7441

fi

eKS-H16-1

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33.42%

75 Catharine Ave. - Brantford, ON Realtor Name: The Heddle Group Property Type: 2 unit conversion Additional Information: Rents are all inclusive MONTHLY GROSS RENTAL INCOME Other Income: Rental Vacancy Rate

$2,900 $0 $87

3%

MONTHLY GROSS OPERATING INCOME (GOI)

$2,813

MONTHLY OPERATING EXPENSES Property Taxes Insurance Utilities Repairs & Maintenance Reserve 3% Property Management 0% Condo/Strata Fees Cleaning

$229 $125 $358 $87 $0 $0 $0

Gifts Lawn Maintenance/Snow Removal

$0 $0 $0

Other: Internet TOTAL NET OPERATING EXPENSES (NOE)

$799

NET OPERATING INCOME (GOI - NOE)

$2,014

MONTHLY DEBT SERVICE Mortgage Payment 2nd Mortgage or LOC Payment TOTAL MONTHLY DEBT SERVICE

$1,650 $1,650

ESTIMATED NET MONTHLY CASH FLOW

$363

PASSIVE APPRECIATION

5.00%

LIST PRICE

$523,000

Down Payment Mortgage Amount

20%

$ 104,600 $ 418,400

Interest Rate

2.50%

Amortization (years)

30

Monthly Payment

$

1,650

20%

$70,000

Initial Improvements

$500

Building Inspection

$500

Appraisal

$6,935

Land Transfer Tax

$1,800 $184,335

17.36%

10%

The 4 Ways to Win™

5.16% 2.36% Cash F low

Principal Recapture

Passive Appreciation

Active Appreciation

Cash Flow

$

4,359

Principal Recapture Passive Appreciation

$ $

9,506 26,150

Active Appreciation

$

Year One Total ROI

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

www.theheddlegroup.ca - 905.574.7441

eKS-H16-1 fi

$104,600

Down Payment

14.19%

15%

0%

CASH REQUIRED TO CLOSE

Legal Fees TOTAL CASH

The 4 Ways to Win™

5%

$523,000

List Price:

32,000

39.07%

Please feel free to reach out to us directly if you have any questions pertaining to investment opportunities contained herein, or if you have further questions about the Hamilton, Brantford, or St. Catharines investment real estate market.

If you haven’t done so already, please ensure that you register via our registration link <https:// bit.ly/3ph0eTS>. Once registered you will be added to our FREE weekly subscription “Deal of the Week” showcasing the best real estate investment opportunities in Hamilton, Brantford and St. Catharines. This is a no obligation weekly email that breaks down each investment property using the 4-ways to win™ formula, so that you are familiar with analyzing the returns.

You will also receive a link to our Hamilton Investor’s Report. This FREE report breaks down all of the best neighbourhoods in Hamilton to invest in with providing all of the market data and statistics. Along with showcasing the best strategies used in each of these micro-markets.

We at the Heddle Group of Royal LePage take a consultants approach to assisting you with your real estate needs. We look forward to an opportunity to helping you build your real estate investment portfolio and building generational wealth.

#10 in Canada - #4 in Ontario Spencer Corston, Administrator

Nicole Lanigan, Sales Representative

Mike Heddle, Broker Shawna Connelly, Sales Representative

Sue Aitken, Sales Representative

The data on this document is held to be accurate but not guaranteed and should be independently veri ed. Any use or reproduction of The 4-Ways to Win™ name or graphic without written consent of Keyspire Group Inc. is strictly prohibited.

fi

www.theheddlegroup.ca - 905.574.7441