2 Rushlands Crescent, Whitby
Whitby
$925,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 WENDA ALLEN REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
2
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Legal Suite (+$1,400/mo)
Rent Estimate
Estimated from market price-to-rent ratios
Remarks
Immaculately maintained brick bungalow on a premium corner lot in a sought-after neighbourhood in North Whitby. This home boasts impressive curb appeal with extensive professional landscaping, interlocking wrap-around pathways, and an extra-long covered front porch with glass railings.Inside, enjoy California Shutters, hardwood floors and crown moulding throughout, vaulted ceilings in the living room with a gas fireplace, and an upgraded kitchen featuring quartz counters, high-end appliances, and a gas range. The bright breakfast area walks out to a large deck overlooking a beautifully landscaped backyard with an interlocking patio, pine fencing, and a private cedar hedge backing directly onto green space/park.The primary bedroom includes a 4-piece ensuite and walk-in closet. Two full bathrooms, wrought iron spindle railings, a stunning hardwood staircase, tankless hot water tank, and a Rain Bird inground sprinkler system complete this turn-key home. Smoke-free and pet-free. Unfinished basement offers tons of future potential.
MississaugaInvestor.ca
2 Rushlands Crescent
Detached · 2bd/2ba · ~1,300 sqft
$925,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.44%
Monthly Cash Flow
-$2,374/mo
Estimated Rent
$3,900/mo
Cash-on-Cash
-14.04%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,900 |
| Mortgage | −$4,258 |
| Property Tax | −$825 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$771 |
| Vacancy (5%) | −$195 |
| Cash Flow | -$2,374/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$46,800 |
| Vacancy (5%) | −$2,340 |
| Property Tax | −$9,898 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$9,250 |
| Annual NOI | $22,612 |
| Cap Rate | 2.44% |
Cash Required to Close
| Down Payment (20%) | $185,000 |
| Ontario Land Transfer Tax | $14,975 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $202,975 |
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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