40 Waterstone Way, Whitby
Whitby
$739,999
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 INNOVATIVE REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
4
Days on Market
14
Price Drop
5%
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,700/mo
Estimated from market price-to-rent ratios
Remarks
Offering 1,952 sq. ft. of beautifully designed living space, this executive interior town house is one of the larger models in the highly sought-after Williamsburg community. Featuring a modern open-concept layout, this move-in-ready home showcases elegant oak staircases with custom-stained finishes, stylish iron pickets, and quality finishes throughout. The upgraded kitchen is complete with extended upper cabinetry, providing ample storage and a sleek, contemporary feel, while direct garage access adds everyday convenience. Monthly POTL fees of$224.70 include water, offering excellent value. Ideally situated close to top-rated schools, parks, shopping, restaurants, and all essential amenities, this exceptional home perfectly combines style, comfort, and convenience. Don't miss your opportunity to own one of Williamsburg's most desirable townhouse models. Built in 2019
MississaugaInvestor.ca
40 Waterstone Way
Att/Row/Townhouse · 3bd/4ba · ~1,750 sqft
$739,999
Cash-Flow Report · August 1, 2026
Cap Rate
1.72%
Monthly Cash Flow
-$2,343/mo
Estimated Rent
$2,700/mo
Cash-on-Cash
-17.33%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,700 |
| Mortgage | −$3,406 |
| Property Tax | −$660 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$617 |
| Vacancy (5%) | −$135 |
| Cash Flow | -$2,343/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$32,400 |
| Vacancy (5%) | −$1,620 |
| Property Tax | −$7,918 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,400 |
| Annual NOI | $12,762 |
| Cap Rate | 1.72% |
Cash Required to Close
| Down Payment (20%) | $147,999.8 |
| Ontario Land Transfer Tax | $11,275 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $162,274.8 |
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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