
40 Puttingedge Drive, Whitby
Whitby
$839,900
Cash flow, cap rate & mortgage breakdown
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Listed by KIC Realty
Investment Analysis
Key Facts
Type
Link
Bedrooms
3
Bathrooms
3
Days on Market
59
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,800/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to this bright, 3-bed, 3-bath home in the highly sought-after Rolling Acres community of North Whitby. This inviting residence has been beautifully refreshed with new hardwood flooring, new carpet on the upper level, and fresh paint, creating a clean, modern feel from the moment you step inside. The sun-filled main floor features a spacious living room with a large picture window, seamlessly open to the kitchen and breakfast area. Enjoy morning coffee or family meals in this airy space, complete with a walkout to your private deck - perfect for entertaining or unwinding in a serene backyard with no immediate rear neighbours. A versatile formal dining room offers the ideal setting for gatherings or can easily transition into a comfortable home office or study. A stylish powder room and convenient direct garage access complete the main level. Upstairs, you'll find three generous bedrooms, including a bright primary suite with a full ensuite bath and a roomy walk-in closet. The additional 4-piece bathroom provides comfort and functionality for the whole family. Perfectly positioned within walking distance to both public and Catholic schools, this home backs onto a pathway leading directly to Darren Park, the Splash Pad, and surrounding green spaces - an unbeatable location in a vibrant, family-friendly neighbourhood. A beautiful home in an exceptional community - move in and start making memories.
MississaugaInvestor.ca
40 Puttingedge Drive
Link · 3bd/3ba · ~1,750 sqft
$839,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.41%
Monthly Cash Flow
-$2,880/mo
Estimated Rent
$2,800/mo
Cash-on-Cash
-18.76%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,800 |
| Mortgage | −$3,866 |
| Property Tax | −$749 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$700 |
| Vacancy (5%) | −$140 |
| Cash Flow | -$2,880/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$33,600 |
| Vacancy (5%) | −$1,680 |
| Property Tax | −$8,987 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,399 |
| Annual NOI | $11,834 |
| Cap Rate | 1.41% |
Cash Required to Close
| Down Payment (20%) | $167,980 |
| Ontario Land Transfer Tax | $13,273 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $184,253 |
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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