
326 Cochrane Street, Whitby
Whitby
$829,999
Cash flow, cap rate & mortgage breakdown
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Listed by Coldwell Banker Electric Realty
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
2
Days on Market
2
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,190/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Welcome to 326 Cochrane Street, a rarely offered, beautifully maintained all-brick bungalow situated on a 69 x 136 ft. lot. Nestled on the border of two of Whitby's most sought-after neighbourhoods - Downtown Whitby and Lynde Creek. Offering timeless charm, exceptional versatility, and outstanding future potential, this move-in-ready home is a rare find. The bright and inviting main floor features a functional layout with 3 spacious bedrooms, comfortable living and dining spaces, and thoughtfully designed storage, including brand-new custom closet systems in front hall and primary bedroom (2026) that enhances everyday functionality. The fully finished basement significantly expands the living space with an additional bedroom, dedicated office, large recreation room, versatile playroom or den, and brand-new carpeting (2026) throughout. Existing plumbing and electrical hookups remain in place, allowing the lower level to be easily converted into a 2 bedroom in-law suite or income-generating apartment-an ideal opportunity for multigenerational living or future rental potential The home has been freshly painted and updated with stylish new light fixtures, door hardware, and modern accents - creating a fresh, welcoming feel throughout. Outside, the oversized backyard offers endless possibilities for entertaining, gardening, family enjoyment, or the potential to build a future addition, maximizing the value of this impressive lot. Perfectly located across the street from a top tier elementary school and just a short walk to Downtown Whitby's vibrant shops, restaurants, cafés, grocery stores, parks, and playgrounds. This exceptional home also provides convenient access to GO Transit and Highway 401 for an easy commute.
MississaugaInvestor.ca
326 Cochrane Street
Detached · 4bd/2ba · ~1,300 sqft
$829,999
Cash-Flow Report · July 31, 2026
Cap Rate
3.29%
Monthly Cash Flow
-$1,544/mo
Estimated Rent
$4,140/mo
Cash-on-Cash
-10.18%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,140 |
| Mortgage | −$3,820 |
| Property Tax | −$740 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$692 |
| Vacancy (5%) | −$207 |
| Cash Flow | -$1,544/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$49,680 |
| Vacancy (5%) | −$2,484 |
| Property Tax | −$8,881 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,300 |
| Annual NOI | $27,315 |
| Cap Rate | 3.29% |
Cash Required to Close
| Down Payment (20%) | $165,999.8 |
| Ontario Land Transfer Tax | $13,075 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $182,074.8 |
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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