208 Palmerston Avenue, Whitby
Whitby
$735,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX METROPOLIS REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
2
Bathrooms
2
Days on Market
31
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,500/mo
Estimated from market price-to-rent ratios
Remarks
Welcome home to the highly desirable Williamsburg community! This beautifully renovated 2-bedroom, 2-bathroom gem features a seamless open-concept layout with stunning new flooring and modern pot lights throughout. The gorgeous kitchen comes fully equipped with custom cabinetry, brand-new appliances, quartz countertops, and elegant porcelain tiles. Step outside from the kitchen onto your private wood deck-perfect for entertaining-and look out over a massive, pool-sized backyard surrounded by mature trees. Bonus: the newly paved driveway easily accommodates 4 vehicles.
MississaugaInvestor.ca
208 Palmerston Avenue
Detached · 2bd/2ba · ~900 sqft
$735,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.44%
Monthly Cash Flow
-$2,501/mo
Estimated Rent
$2,500/mo
Cash-on-Cash
-18.62%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,500 |
| Mortgage | −$3,383 |
| Property Tax | −$655 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$613 |
| Vacancy (5%) | −$125 |
| Cash Flow | -$2,501/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$30,000 |
| Vacancy (5%) | −$1,500 |
| Property Tax | −$7,865 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,350 |
| Annual NOI | $10,585 |
| Cap Rate | 1.44% |
Cash Required to Close
| Down Payment (20%) | $147,000 |
| Ontario Land Transfer Tax | $11,175 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $161,175 |
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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