5 Jays Drive, Whitby
Whitby
$729,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 WENDA ALLEN REALTY
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
3
Days on Market
45
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$2,700/mo
Estimated from market price-to-rent ratios
Remarks
Well-maintained freehold townhouse in highly sought-after Williamsburg, offering bright, functional living space for families and professionals.Main floor features updated kitchen with stone countertops, open-concept living/dining, and carpet-free flooring throughout. Upstairs includes 3 spacious bedrooms and 3 bathrooms.A finished basement adds valuable extra living space, ideal for a rec room, home office, or guest area - a key advantage compared to similar homes.Enjoy a private backyard with no direct overlooking neighbours, plus 3-car parking for added convenience.Located just steps from top-rated schools (Jack Miner), parks, trails, and everyday amenities.
MississaugaInvestor.ca
5 Jays Drive
Att/Row/Townhouse · 3bd/3ba · ~1,300 sqft
$729,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.78%
Monthly Cash Flow
-$2,273/mo
Estimated Rent
$2,700/mo
Cash-on-Cash
-17.06%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,700 |
| Mortgage | −$3,355 |
| Property Tax | −$650 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$608 |
| Vacancy (5%) | −$135 |
| Cash Flow | -$2,273/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$32,400 |
| Vacancy (5%) | −$1,620 |
| Property Tax | −$7,800 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,290 |
| Annual NOI | $12,990 |
| Cap Rate | 1.78% |
Cash Required to Close
| Down Payment (20%) | $145,800 |
| Ontario Land Transfer Tax | $11,055 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $159,855 |
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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