
1 Macpherson Street, Whitby
Whitby
$1,569,000
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX ACE REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
7
Bathrooms
7
Days on Market
7
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 this exceptional, meticulously maintained 3-year-old luxury residence, offering over 3,300 sq. ft. of beautifully designed above-grade living space in one of Whitby's most desirable family-friendly neighbourhoods. From the moment you enter, you'll be impressed by the soaring ceilings, elegant 8-foot custom doors, and expansive windows that fill the home with an abundance of natural light, creating a bright and inviting atmosphere throughout. Designed for both everyday living and entertaining, the stunning open-concept kitchen features premium stainless steel appliances, quartz countertops, ample cabinetry, and a spacious island overlooking the elegant living and dining areas. Step outside to your professionally landscaped backyard, complete with a custom-built gazebo an ideal setting for relaxing or hosting family and friends. The thoughtfully designed main floor also includes a full bathroom, providing added convenience for guests and multigenerational living. Upstairs, every generously sized bedroom offers its own private ensuite bathroom, ensuring exceptional comfort, privacy, and convenience for every member of the family. The fully finished basement with a separate entrance offers outstanding versatility, featuring two spacious bedrooms, a full bathroom, and a large recreation/living area perfect for extended family, guests, or excellent income potential. An additional basement bedroom with its own private ensuite, currently connected to the main residence, provides the flexibility to be used as a home office, guest suite, or multigenerational living space. Ideally located just minutes from top-rated schools, parks, shopping, restaurants, transit, and major highways, this remarkable home combines luxury finishes, exceptional space, and outstanding functionality. Brand new School from grade JK to grade 8 walking distance A rare opportunity to own a truly move-in-ready home in one of Whitby's most sought-after communities.
MississaugaInvestor.ca
1 Macpherson Street
Detached · 7bd/7ba · ~3,250 sqft
$1,569,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.08%
Monthly Cash Flow
-$4,506/mo
Estimated Rent
$5,945/mo
Cash-on-Cash
-15.69%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,945 |
| Mortgage | −$7,222 |
| Property Tax | −$1,399 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,308 |
| Vacancy (5%) | −$297 |
| Cash Flow | -$4,506/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$71,340 |
| Vacancy (5%) | −$3,567 |
| Property Tax | −$16,788 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$15,690 |
| Annual NOI | $32,595 |
| Cap Rate | 2.08% |
Cash Required to Close
| Down Payment (20%) | $313,800 |
| Ontario Land Transfer Tax | $27,855 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $344,655 |
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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