106 Haig Street, St. Catharines

$459,900
106 Haig Street

$459,900

New
9d
Duplex1 1/2 Storey

106 Haig Street, St. Catharines

Total Monthly Obligation $2,507

Beds
4
Baths
2
Park
3
Sqft
1100-1500
DOM
9d
Score
21
Yield
5.4%
Cash on Cash
-1.8%
Cap Rate
4.2%
5Y IRR
14.2%
10Y IRR
13.5%
Property Type-Duplex
MLS® Number-X14032142
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-42 × 110 ft
Listed on site-Oct 14, 2026
Style-1 1/2 Storey
Building Type-Duplex
Age-51-99
Taxes-$3,319.08 (2025)
Parking-4 - Detached
Basement-Unfinished, Full
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-452 - Haig
Title-Residential Freehold

No agent assigned

An exceptional opportunity to own a turn-key, income-producing detached brick duplex offering immediate cash flow and long-term investment potential. This charming 1.5-storey property features two self-contained units, each with private entrances, separate kitchens, and individual hydro meters. Both units are currently rented, generating a combined $2,790 per month in gross rental income, providing investors with income from day one upon closing. With established tenancies and rents that are competitive with the current market, this property offers an attractive opportunity for investors looking to add a cash-flowing asset to their portfolio without the hassle of sourcing tenants or completing renovations before generating income. Set on a generous lot with a private backyard, the property also offers a rare combination of income potential and outdoor space. Ideally located in a mature, centrally connected neighborhood, just minutes from QEW access, shopping, schools, and public transit, this duplex is well-positioned for continued rental appeal. Whether you're a seasoned investor or entering the rental market, this is a turnkey opportunity to secure an income-producing property with immediate rental revenue and long-term potential.

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

Closing Costs

Mortgage Amount
$367,920
Land Transfer Taxes$5,673
Legal Fees (Est.)
$
Total cash required for closing$99,153

Total Monthly Obligation

$2,507/mo
Mortgage $1,855
Monthly Loss $2,019
Principal$488
Interest$1,367
Property Tax$277
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.2%20
Cash-on-Cash
-7.8%1
5-Year IRR
9.6%33
10-Year IRR
10.3%
Returns Index
17.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 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
$24,900/yr
NOI
$14,591/yr
Net Cash Flow
-$639/mo
Cash Margin
-30.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.668
LTV Ratio
80.0%18
Vacancy Buffer
3.8 mo66
Risk Index
30.9/ 100

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

Comparables

Properties near 106 Haig Street

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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