28 Upland Drive, Whitby
Whitby
$999,900
Cash flow, cap rate & mortgage breakdown
Enter your email to unlock them right here.
Free forever. No credit card. Unsubscribe anytime.
Listed by CENTURY 21 REGAL REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
4
Days on Market
18
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,445/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
4 bedroom detached house. BASEMENT : living/dining/kitchen/laundry/separate entrance. MAIN FLOOR: living/dining/kitchen with centre island/family area/fire place/2pc washroom/laundry/entrance from garage/walk out to deck from kitchen/pot lights/hardwood floor. SECOND FLOOR: hardwood floor/4 bedrooms/3 washrooms/principal bedroom with 4pc en-suite & walking closet. Newer furnace & AC (2021). Convenient location - easy access to Hwy 401, short walk to public transit, shops on Dundas & Thickson Rd.
MississaugaInvestor.ca
28 Upland Drive
Detached · 6bd/4ba · ~2,250 sqft
$999,900
Cash-Flow Report · August 4, 2026
Cap Rate
3.24%
Monthly Cash Flow
-$1,902/mo
Estimated Rent
$4,895/mo
Cash-on-Cash
-10.4%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,895 |
| Mortgage | −$4,602 |
| Property Tax | −$892 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$833 |
| Vacancy (5%) | −$245 |
| Cash Flow | -$1,902/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$58,740 |
| Vacancy (5%) | −$2,937 |
| Property Tax | −$10,699 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,999 |
| Annual NOI | $32,405 |
| Cap Rate | 3.24% |
Cash Required to Close
| Down Payment (20%) | $199,980 |
| Ontario Land Transfer Tax | $16,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $219,453 |
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
Get the Full Cash-Flow Report
A one-page PDF: cap rate, cash flow, mortgage breakdown, NOI and total cash to close — all assumptions in one printable summary.
Also unlocks cap rate, sold comps & mortgage detail.