325 Bay Street 1905, Toronto C01

$725,000
325 Bay Street 1905

$725,000

New
4d
Condo ApartmentApartment

325 Bay Street 1905, Toronto C01

Total Monthly Obligation $8,889

Beds
1
Baths
1
Park
0
Sqft
600-699
DOM
4d
Score
12
Yield
4.2%
Cash on Cash
-47.2%
Cap Rate
-5.6%
5Y IRR
11332325024.9%
10Y IRR
7563346650.4%
Property Type-Condo Apartment
MLS® Number-C14095416
Beds-1
Bathrooms-1
Size-600-699 sqft
Listed on site-Oct 19, 2026
Style-Apartment
Building Type-Condo Apartment
Age-11-15
Taxes-$2,485.11 (2025)
Maintenance-$5,557.25/mo
Locker-None
Parking-None
Basement-None
Heating-Fan Coil (Gas)
Brokerage-SOTHEBY'S INTERNATIONAL REALTY CANADA
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Exterior-Concrete
Possession-Flexible
Neighbourhood-Bay Street Corridor
Title-Residential Condo & Other

No agent assigned

Own a luxury hotel suite at The St. Regis Toronto. Suite 1905 is an authentic, hotel suite placed directly in the St. Regis Rental Program and operated entirely by the hotel. It offers true turn-key passive income where Marriott manages the bookings, guest check-ins, housekeeping, and front-desk services, leaving you with zero tenant screening, zero maintenance calls, and zero landlord responsibilities. Based on full 2025 financials, this asset delivers an attractive 5.28% capitalization rate for an HST-registered buyer. It represents a rare opportunity to own a reliable, cash-flowing commercial asset inside one of Canada's premier five-star luxury addresses on Bay Street, with complete financial statements available to qualified purchasers. Unlike traditional residential real estate, this investment allows you to enjoy the property personally. In 2025, the suite experienced an approximate 21.5% vacancy rate (roughly 78 nights across the year), giving you the flexibility to book and stay in your suite under the program's owner-stay terms. You can use it as your private downtown Toronto pied-a-terre for business trips, weekend getaways, or special evenings in the city. Ownership also comes with lifetime Marriott Bonvoy Platinum Elite status for you and your spouse, providing complimentary room upgrades, executive lounge privileges, and preferred owner rates across Marriott properties and Homes and Villas worldwide. The 654-square-foot suite features floor-to-ceiling windows, a plush king bed, an integrated living and workspace, a wet bar with refrigeration, a locked private owner's closet, and a five-piece bath with a deep soaker tub and separate glass rain shower. Routine upkeep is funded through a dedicated furniture, fixtures, and equipment reserve, ensuring the suite remains in brand-standard condition without surprise out-of-pocket costs.

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$
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%
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$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$580,000
Land Transfer Taxes$10,975
Legal Fees (Est.)
$
Total cash required for closing$157,475

Total Monthly Obligation

$8,889/mo
Mortgage $2,924
Monthly Loss $8,119
Principal$770
Interest$2,155
Property Tax$207
Condo Fees$5,557
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
-6.1%0
Cash-on-Cash
-50.9%0
5-Year IRR
-20.3%0
10-Year IRR
500.0%
Returns Index
0.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
12/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$30,324/yr
NOI
-$44,281/yr
Net Cash Flow
-$6,614/mo
Cash Margin
-261.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
-1.260
LTV Ratio
80.0%18
Vacancy Buffer
1.1 mo18
Risk Index
12.1/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 325 Bay Street 1905

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.