38 Lipton Crescent, Whitby
Whitby
$939,900
Cash flow, cap rate & mortgage breakdown
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Listed by Royal Lepage Kawartha Lakes Realty Inc.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
3
Days on Market
30
Price Drop
6%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$3,400/mo
Estimated from market price-to-rent ratios
Remarks
Spacious 2-storey family home offering 4 bedrooms and 3 bathrooms, ideally situated on a quiet street closeto schools and amenities. The main floor features a bright living room, formal dining room, cozy family roomwith fireplace, convenient 2-piece bath, and an eat-in kitchen with walkout to the deck overlooking the fullyfenced backyard. Upstairs you'll find a generous primary bedroom with walk-in closet and 4-piece ensuite,along with 3 additional bedrooms and a 4-piece main bath. Complete with an attached 2-car garage, thishome offers plenty of space for a growing family in a sought-after neighbourhood.
MississaugaInvestor.ca
38 Lipton Crescent
Detached · 4bd/3ba · ~1,750 sqft
$939,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.77%
Monthly Cash Flow
-$2,942/mo
Estimated Rent
$3,400/mo
Cash-on-Cash
-17.12%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,400 |
| Mortgage | −$4,326 |
| Property Tax | −$838 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$783 |
| Vacancy (5%) | −$170 |
| Cash Flow | -$2,942/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$40,800 |
| Vacancy (5%) | −$2,040 |
| Property Tax | −$10,057 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,399 |
| Annual NOI | $16,604 |
| Cap Rate | 1.77% |
Cash Required to Close
| Down Payment (20%) | $187,980 |
| Ontario Land Transfer Tax | $15,273 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $206,253 |
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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