28 Roma Drive, Whitby
Whitby
$1,279,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX PROFESSIONALS INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
5
Days on Market
8
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,750/mo
Estimated from market price-to-rent ratios
Remarks
Nestled on a quiet street within one of Whitby's most sought-after neighbourhoods & steps to top-rated schools, parks and scenic trails! This home exudes pride of ownership! Quality craftsmanship shines throughout with elegant wainscoting, hardwood floors, California shutters, designer lighting & pot lights. Large & stunning chef-inspired kitchen features wall-to-wall cabinetry, a wine fridge, generous prep space, quartz counter and huge centre island with a walkout to your private backyard oasis. Overlooking the kitchen, the inviting family room offers custom built-ins and gas fireplace, the perfect space for everyday living and entertaining! 4 spacious bedrooms, each with ensuite or semi-ensuite access. The luxurious primary retreat features a stone feature wall, his-and-hers walk-in closets and a renovated 5-piece ensuite. All additional bedrooms include walk-in closets. The finished basement offers a spacious dedicated media room as well as a rec room and 2-piece bath! The perfect place to call home! Step outside to your private backyard retreat featuring an inground pool, multiple entertaining areas and custom privacy!
MississaugaInvestor.ca
28 Roma Drive
Detached · 4bd/5ba · ~2,750 sqft
$1,279,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.06%
Monthly Cash Flow
-$4,756/mo
Estimated Rent
$3,750/mo
Cash-on-Cash
-20.32%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,750 |
| Mortgage | −$5,887 |
| Property Tax | −$1,140 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,066 |
| Vacancy (5%) | −$188 |
| Cash Flow | -$4,756/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$45,000 |
| Vacancy (5%) | −$2,250 |
| Property Tax | −$13,685 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$12,790 |
| Annual NOI | $13,575 |
| Cap Rate | 1.06% |
Cash Required to Close
| Down Payment (20%) | $255,800 |
| Ontario Land Transfer Tax | $22,055 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $280,855 |
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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