1014 Dunlop Street, Whitby
Whitby
$625,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX HALLMARK FIRST GROUP REALTY LTD.
Investment Analysis
Key Facts
Type
Semi-Detached
Bedrooms
5
Bathrooms
2
Days on Market
8
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
Welcome to 1014 Dunlop Street East! Ideally located in South Whitby with quick access to Hwy 401, Whitby GO Station, shopping, parks, schools, and everyday amenities, this versatile home offers exceptional value for investors, first-time buyers, downsizers, or multigenerational families. This 3+2 bedroom, 2 bathroom home features a functional layout, parking for 2 vehicles, a generous backyard, and an in-law suite with a separate entrance - offering income potential or flexible living arrangements. The bright main floor features an open-concept living and dining area, an updated kitchen, and three well-sized bedrooms, each with a closet. One bedroom offers a walkout to the backyard, creating the perfect space to enjoy your morning coffee or unwind in the evening. The finished lower level includes a separate entrance, above-grade windows, bright kitchen/living/dining areas, two spacious bedrooms, a 4-piece bathroom, and abundant storage, making it ideal for extended family, guests, or potential rental income. Step outside to a fully fenced backyard featuring a large deck and plenty of green space for children and pets to play. Whether you're entertaining friends, relaxing with family, or looking for a home with built-in income potential, this property offers outstanding flexibility in a convenient, commuter-friendly location. Shingles (2025), eavestroughs (2019), windows (2016). *Most interior photos have been virtually staged.
MississaugaInvestor.ca
1014 Dunlop Street
Semi-Detached · 5bd/2ba · ~900 sqft
$625,000
Cash-Flow Report · July 31, 2026
Cap Rate
4.78%
Monthly Cash Flow
-$385/mo
Estimated Rent
$3,995/mo
Cash-on-Cash
-3.37%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,995 |
| Mortgage | −$2,877 |
| Property Tax | −$557 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$521 |
| Vacancy (5%) | −$200 |
| Cash Flow | -$385/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$47,940 |
| Vacancy (5%) | −$2,397 |
| Property Tax | −$6,688 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,250 |
| Annual NOI | $29,905 |
| Cap Rate | 4.78% |
Cash Required to Close
| Down Payment (20%) | $125,000 |
| Ontario Land Transfer Tax | $8,975 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $136,975 |
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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