131 Tom Edwards Drive, Whitby
Whitby
$1,179,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 LEADING EDGE REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
5
Bathrooms
4
Days on Market
10
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
Meticulously Maintained 4 Bedroom, 4 bathroom home, Combines Elegance with Modern Appeal, Ready for your Personal Touch. The Expansive Basement offers potential for creating A Rentail Unit, In-Law Suite, or Additional Living Space. The Main Floor Features a Bright Living Room, An Elegant Dining Area, An Oversized Eat-In Kitchen. Walk Out to Back Yard Patio Allows for Seamless Indoor-Outdoor Entertaining. Walk up the Elegant Oak Staircase with Iron Pickets to a Spacious Family Room with a 12 Foot Ceiling and Ample Windows. Upstairs Offers 4 Spacious Bedrooms and Two Beautifully Renovated bathrooms. The Primary Retreat Featuring His & Hers Closets (One Walk-In) and A 5 Piece Ensuite. The Finish Basement Opens Up a World of Possibilities with a Rec Room, Bedroom, Full Bath and a Seperate Walk-up Entrance. Professionally Landscaped Front Yard. Close to Top Rated Schools, Parks, and All Amenities. Easy access to GO Train and Highways 401, 412, and 407.
MississaugaInvestor.ca
131 Tom Edwards Drive
Detached · 5bd/4ba · ~2,750 sqft
$1,179,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.39%
Monthly Cash Flow
-$3,083/mo
Estimated Rent
$4,845/mo
Cash-on-Cash
-14.29%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,845 |
| Mortgage | −$5,427 |
| Property Tax | −$1,051 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$983 |
| Vacancy (5%) | −$242 |
| Cash Flow | -$3,083/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$58,140 |
| Vacancy (5%) | −$2,907 |
| Property Tax | −$12,615 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$11,790 |
| Annual NOI | $28,128 |
| Cap Rate | 2.39% |
Cash Required to Close
| Down Payment (20%) | $235,800 |
| Ontario Land Transfer Tax | $20,055 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $258,855 |
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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