147 Kirby Crescent, Whitby
Whitby
$719,900
Cash flow, cap rate & mortgage breakdown
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Listed by Cash Back Realty
Investment Analysis
Key Facts
Type
Link
Bedrooms
3
Bathrooms
2
Days on Market
5
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,700/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to 147 Kirby Crescent, an inviting family home located in a desirable Whitby neighbourhood. This well-maintained property offers a functional and versatile layout with generous living spaces designed for comfortable everyday living and entertaining. The bright kitchen and family room create a warm gathering space for family and friends, while the separate living areas provide plenty of room for hosting guests. The home features 3 bedrooms, 1 full bathroom, and 1 half bathroom, offering a practical layout for families of all sizes. Enjoy a private backyard perfect for relaxing, outdoor dining, gardening, or creating lasting memories with family and friends. With ample storage, comfortable room sizes, and a layout that provides flexibility for your lifestyle, this home is ready for you to make it your own. Conveniently located close to schools, parks, shopping, transit, restaurants, and major commuter routes, 147 Kirby Crescent offers the perfect blend of comfort, convenience, and community. A wonderful opportunity to own a home in one of Whitby's established neighbourhoods.
MississaugaInvestor.ca
147 Kirby Crescent
Link · 3bd/2ba · ~1,300 sqft
$719,900
Cash-Flow Report · July 31, 2026
Cap Rate
1.83%
Monthly Cash Flow
-$2,216/mo
Estimated Rent
$2,700/mo
Cash-on-Cash
-16.85%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,700 |
| Mortgage | −$3,314 |
| Property Tax | −$642 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$600 |
| Vacancy (5%) | −$135 |
| Cash Flow | -$2,216/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$32,400 |
| Vacancy (5%) | −$1,620 |
| Property Tax | −$7,703 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$7,199 |
| Annual NOI | $13,178 |
| Cap Rate | 1.83% |
Cash Required to Close
| Down Payment (20%) | $143,980 |
| Ontario Land Transfer Tax | $10,873 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $157,853 |
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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