46 Blacksmith Lane, Whitby
Whitby
$799,900
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 REGAL REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
2
Days on Market
49
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,750/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to the heart of Whitby near Rossland Rd & Country Lane - a quiet, family-friendly pocket known for pride of ownership and incredible neighbours.This meticulously kept 3-bedroom home features hardwood floors on the main level, a bright functional layout, an updated granite kitchen, and major peace-of-mind updates including roof, furnace, A/C, and windows.Add in the manicured backyard garden, spacious deck, and proximity to parks, schools, shopping, restaurants, transit, and commuter routes - this is a rare opportunity in one of Whitby's most desirable family pockets. Shows Beautifully! Easy to Show! Just Move in and Enjoy!! ** Pictures are Virtually Staged **
MississaugaInvestor.ca
46 Blacksmith Lane
Att/Row/Townhouse · 3bd/2ba · ~1,300 sqft
$799,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.51%
Monthly Cash Flow
-$2,675/mo
Estimated Rent
$2,750/mo
Cash-on-Cash
-18.3%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,750 |
| Mortgage | −$3,682 |
| Property Tax | −$713 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$667 |
| Vacancy (5%) | −$138 |
| Cash Flow | -$2,675/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$33,000 |
| Vacancy (5%) | −$1,650 |
| Property Tax | −$8,559 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,999 |
| Annual NOI | $12,092 |
| Cap Rate | 1.51% |
Cash Required to Close
| Down Payment (20%) | $159,980 |
| Ontario Land Transfer Tax | $12,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $175,453 |
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
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