16 Ian Fleming Crescent, Whitby
Whitby
$1,029,000
Cash flow, cap rate & mortgage breakdown
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Listed by RIGHT AT HOME REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
4
Days on Market
7
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Finished Basement
Rent Estimate
$3,150/mo
Estimated from market price-to-rent ratios
Remarks
Completely renovated and never lived in since completion, this stunning home offers over 2,000 sq. ft. of finished living space with quality upgrades throughout. Featuring 3 bedrooms, 3.5 bathrooms, and a 2-car driveway, the home also includes an extended kitchen island, quartz counters, matching backsplash, and luxury hardware. The finished basement adds a full ensuite shower and office, while professionally finished hardscaping, brand-new sod, upgraded doors, and an oversized garage complete this impressive home on a quiet street.
MississaugaInvestor.ca
16 Ian Fleming Crescent
Detached · 3bd/4ba · ~1,750 sqft
$1,029,000
Cash-Flow Report · July 31, 2026
Cap Rate
1.16%
Monthly Cash Flow
-$3,745/mo
Estimated Rent
$3,150/mo
Cash-on-Cash
-19.9%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,150 |
| Mortgage | −$4,736 |
| Property Tax | −$918 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$858 |
| Vacancy (5%) | −$158 |
| Cash Flow | -$3,745/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$37,800 |
| Vacancy (5%) | −$1,890 |
| Property Tax | −$11,010 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$10,290 |
| Annual NOI | $11,910 |
| Cap Rate | 1.16% |
Cash Required to Close
| Down Payment (20%) | $205,800 |
| Ontario Land Transfer Tax | $17,055 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $225,855 |
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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