2 Dunbar Drive, Whitby
Whitby
$1,099,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX REALTY SERVICES INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
4
Days on Market
23
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,550/mo
Estimated from market price-to-rent ratios
Remarks
Summer is around the corner - welcome to your own backyard paradise! Situated on a premium corner lot in one of Whitby's most desirable school districts, this beautifully maintained 4-bedroom, 4-bathroom home offers the perfect blend of comfort, style, and resort-style living. Enjoy an inground pool with premium winter cover, professionally landscaped yard, hardwood floors, crown moulding, pot lights, granite countertops, and a finished basement featuring a rec room, wet bar, exercise space, and renovated bathroom. Major upgrades include windows (2024), furnace & A/C (2023), owned tankless water heater (2024), water filter (2023), and water softener (2025). Bonus #1: owned solar panels help offset utility costs. Bonus #2: no water heater rental! Move in, unwind, and dive into summer living at its finest!
MississaugaInvestor.ca
2 Dunbar Drive
Detached · 4bd/4ba · ~1,750 sqft
$1,099,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.36%
Monthly Cash Flow
-$3,814/mo
Estimated Rent
$3,550/mo
Cash-on-Cash
-18.96%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,550 |
| Mortgage | −$5,063 |
| Property Tax | −$981 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$917 |
| Vacancy (5%) | −$178 |
| Cash Flow | -$3,814/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$42,600 |
| Vacancy (5%) | −$2,130 |
| Property Tax | −$11,769 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$10,999 |
| Annual NOI | $15,002 |
| Cap Rate | 1.36% |
Cash Required to Close
| Down Payment (20%) | $219,980 |
| Ontario Land Transfer Tax | $18,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $241,453 |
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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