
9770 Garrard Road, Whitby
Whitby
$1,999,900
Cash flow, cap rate & mortgage breakdown
Enter your email to unlock them right here.
Free forever. No credit card. Unsubscribe anytime.
Listed by Keller Williams Energy Real Estate
Investment Analysis
Key Facts
Type
Farm
Bedrooms
4
Bathrooms
2
Days on Market
58
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
Stunning and serene, this raised bungalow sits on 10 acres in Whitby with sweeping views of rolling fields and a neighbouring equestrian centre. The setting delivers exceptional privacy, wide open space, and a tranquil atmosphere while keeping modern amenities within a short drive.Inside, rich pine flooring and a soaring vaulted pine ceiling give the main level a warm, natural character that feels both elegant and inviting. The living room opens onto a generous deck perfectly suited for morning coffee or evening gatherings under open skies. The primary bedroom also features a walkout to the back deck overlooking the peaceful countryside.The finished lower level includes a self-contained apartment with a private entrance and full kitchen. Gleaming porcelain tile, pot lighting, and a bright, well-designed layout make it an ideal fit for extended family, guests, or multi-generational living.Equestrian facilities are extensive and meticulously maintained. The impressive barn includes 14 stalls, a tack loft with secure lockers, and a generous hay loft. Indoor and outdoor riding arenas support year-round riding and training at a high level. Expansive paddocks and lush open fields complete the picture. A triple car garage adds substantial room for vehicles, equipment, and storage.Few properties in Durham Region bring together this much land, this calibre of equestrian infrastructure, and beautifully finished living space at this scale. Click more information button for video, 3D tour, floor plan, list of upgrades and feature sheet.
MississaugaInvestor.ca
9770 Garrard Road
Farm · 4bd/2ba · ~2,750 sqft
$1,999,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.01%
Monthly Cash Flow
-$7,522/mo
Estimated Rent
$5,640/mo
Cash-on-Cash
-20.54%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,640 |
| Mortgage | −$9,205 |
| Property Tax | −$1,783 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,667 |
| Vacancy (5%) | −$282 |
| Cash Flow | -$7,522/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$67,680 |
| Vacancy (5%) | −$3,384 |
| Property Tax | −$21,399 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$19,999 |
| Annual NOI | $20,198 |
| Cap Rate | 1.01% |
Cash Required to Close
| Down Payment (20%) | $399,980 |
| Ontario Land Transfer Tax | $36,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $439,453 |
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
Get the Full Cash-Flow Report
A one-page PDF: cap rate, cash flow, mortgage breakdown, NOI and total cash to close — all assumptions in one printable summary.
Also unlocks cap rate, sold comps & mortgage detail.