306 Rosedale Drive, Whitby
Whitby
$749,000
Cash flow, cap rate & mortgage breakdown
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Listed by RIGHT AT HOME REALTY
Investment Analysis
Key Facts
Type
Semi-Detached
Bedrooms
4
Bathrooms
2
Days on Market
67
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Beautiful semi-detached home with 3 bedrooms and full finished basement with completely separate entrance. Laminate flooring throughout. Bright and open concept main floor with pot lights.Open concept kitchen and family room. Basement is perfect for nanny quarters or in-law suite with full 4 pc bathroom,2 rooms, kitchen, and laundry. Backyard boasts two-tiered deck and access to garage/workshop. Detached garage can fit a motorcycle or workshop and can be used for storage or a mancave. Large driveway fits up to 4 vehicles. Conveniently located close to schools, shoppings,401 and everything this great area has to offer.
MississaugaInvestor.ca
306 Rosedale Drive
Semi-Detached · 4bd/2ba · ~900 sqft
$749,000
Cash-Flow Report · August 2, 2026
Cap Rate
3.49%
Monthly Cash Flow
-$1,270/mo
Estimated Rent
$3,890/mo
Cash-on-Cash
-9.28%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,890 |
| Mortgage | −$3,448 |
| Property Tax | −$668 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$624 |
| Vacancy (5%) | −$195 |
| Cash Flow | -$1,270/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$46,680 |
| Vacancy (5%) | −$2,334 |
| Property Tax | −$8,014 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,490 |
| Annual NOI | $26,142 |
| Cap Rate | 3.49% |
Cash Required to Close
| Down Payment (20%) | $149,800 |
| Ontario Land Transfer Tax | $11,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $164,255 |
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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