916- 340 Watson Street, Whitby
Whitby
$512,800
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX EXCEL REALTY LTD.
Investment Analysis
Key Facts
Type
Condo Apartment
Bedrooms
2
Bathrooms
1
Days on Market
70
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,050/mo
Estimated from market price-to-rent ratios
Remarks
Waterfront Lifestyle Condo Steps to Whitby Harbour. Imaging Yourself WalkUp Smelling Fresh Air By The Water. Rarely Offers A Beautiful Well Maintained 2-Full-Bedroom Home w/East+North View That Bring In Natural Lights. Well-Sized Primary w/Upgraded Organizers + Ensuite Access. Cozy 2nd Bedroom with North View That Look Over The Park. Functional Kitchen Space w/Eat-In Countertop. On The Top, *Worry-Free All-Inclusive Common Element Fees Covering All Utilities, Plus Bonus - Cable TV with VIP Channel Package and Ignite Internet.* All-Purpose Amenities, Indoor Pool, Hot Tub, Sauna, Gym. Roof-Top Garden w/Restful Fireplace, Dining Area, BBQ Accessible Overlooking Park & Harbour Waterfront, Amazing Cottage-Like View. Mins to Shops, Easy Access to GO/Highways and Closer to Almost Everything You Need. You Don't Wanna Miss This Gem.
MississaugaInvestor.ca
916- 340 Watson Street
Condo Apartment · 2bd/1ba · ~750 sqft
$512,800
Cash-Flow Report · July 31, 2026
Cap Rate
1.06%
Monthly Cash Flow
-$1,907/mo
Estimated Rent
$2,050/mo
Cash-on-Cash
-20.38%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,050 |
| Mortgage | −$2,360 |
| Property Tax | −$457 |
| Insurance | −$225 |
| Condo Fee | −$812 |
| Vacancy (5%) | −$103 |
| Cash Flow | -$1,907/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$24,600 |
| Vacancy (5%) | −$1,230 |
| Property Tax | −$5,487 |
| Insurance | −$2,700 |
| Condo Fee | −$9,744 |
| Annual NOI | $5,439 |
| Cap Rate | 1.06% |
Cash Required to Close
| Down Payment (20%) | $102,560 |
| Ontario Land Transfer Tax | $6,731 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $112,291 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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