205 Powell Road, Whitby
Whitby
$949,000
Cash flow, cap rate & mortgage breakdown
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Listed by EXP REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
4
Days on Market
16
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Welcome To This Beautifully Updated 5-Level Sidesplit Detached Home Nestled On A Desirable Corner Lot In A Family-Friendly Whitby Neighbourhood *Offering 3+1 Bedrooms And 4 Bathrooms, This Spacious Home Features A Bright Open-Concept Living And Dining Area With Hardwood Flooring, Pot Lights, And An Elegant Kitchen Complete With Q, Stainless Steel Appliances, Stylish Backsplash, And Modern Cabinetry *The Inviting Family Room Features A Cozy Fireplace And Walk-Out To A Fully Fenced Backyard With Stamped Concrete Patio (2021), Perfect For Entertaining *The Finished Basement Adds Approximately 975 Sq Ft Of Additional Living Space With A Separate Entrance And Endless Possibilities *Major Updates Include Windows (2022), HVAC & A/C (2020), 200-Amp Electrical Panel (2021), Upstairs Laundry (2021), And New Fencing (2023/2025), 2 sets of Washer & Dryer (Upper level and Bsmt) *Approx. $4,000 invested in basement legalization drawings and Town of Whitby permit fees. Building permit is active and transferable to the new owner *Conveniently Located Close To Schools, Parks, Shopping, Transit And Highways.
MississaugaInvestor.ca
205 Powell Road
Detached · 4bd/4ba · ~1,750 sqft
$949,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.8%
Monthly Cash Flow
-$2,155/mo
Estimated Rent
$4,290/mo
Cash-on-Cash
-12.42%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,290 |
| Mortgage | −$4,368 |
| Property Tax | −$846 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$791 |
| Vacancy (5%) | −$215 |
| Cash Flow | -$2,155/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$51,480 |
| Vacancy (5%) | −$2,574 |
| Property Tax | −$10,154 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,490 |
| Annual NOI | $26,562 |
| Cap Rate | 2.8% |
Cash Required to Close
| Down Payment (20%) | $189,800 |
| Ontario Land Transfer Tax | $15,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $208,255 |
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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