97 Zaph Avenue
Highland Creek, Toronto
$799,900
Incredible investment opportunity in Toronto's prestigious Highland Creek! This detached property features modern updates alongside massive potential for future redevelopment. Located in a rapidly transitioning neighborhood where many older homes have been torn down and rebuilt into custom estates. Minutes to U of T Scarborough, Hwy 401, parks, & transit. Don't miss this opportunity! VTB financing available with as little as 15% down @ 6.5%, amortized up to 50 years/interest only - no income verification or credit qualifications.
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Listing History
Schools
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,094
- Property tax
- $334
- Heat allowance
- $150
- Housing costs
- $4,578 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$141,000
gross annual household income
- Payment at 4%
- $3,366 / mo
- Cash down
- $159,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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