
38 Silverbirch Place, Whitby
Whitby
$1,194,500
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX GOLD REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
4
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Legal Suite (+$1,700/mo)
Rent Estimate
Estimated from market price-to-rent ratios
Remarks
Welcome to this beautifully maintained 4-bedroom executive home, complete with a fully finished walk-out legal basement apartment, nestled on a premium pie-shaped, pool-sized lot with no rear neighbours - backing directly onto serene parkland for ultimate privacy and views. Step into the bright and spacious main floor featuring a sun-filled living room with large windows and gleaming hardwood floors, perfect for relaxing or entertaining. The formal dining room offers an elegant space for family gatherings and special occasions. The gourmet kitchen is a chefs dream, showcasing sleek countertops, custom backsplash, stainless steel appliances, pot lights, and crown moulding. A cheerful breakfast area overlooks the backyard and provides direct access to a large deck ideal for outdoor dining and enjoying the peaceful, fully fenced yard and park views. Just off the kitchen, a warm and inviting family room features a cozy gas fireplace the perfect space for casual nights in or entertaining guests. Upstairs, you'll find four generously sized bedrooms with ample closet space. The luxurious primary suite features a spa-inspired ensuite with a soaker tub, separate walk-in shower, and dual vanities a perfect retreat after a long day. The fully finished basement boasts a bright and modern two-bedroom apartment with a private walk-out entrance - ideal for multi-generational living or rental income potential. Located in a highly desirable neighbourhood close to top schools, parks, transit, and amenities, this exceptional property offers comfort, privacy, and versatility. Don't miss this rare opportunity!
MississaugaInvestor.ca
38 Silverbirch Place
Detached · 6bd/4ba · ~2,250 sqft
$1,194,500
Cash-Flow Report · July 31, 2026
Cap Rate
2.86%
Monthly Cash Flow
-$2,653/mo
Estimated Rent
$5,400/mo
Cash-on-Cash
-12.14%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,400 |
| Mortgage | −$5,498 |
| Property Tax | −$1,065 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$995 |
| Vacancy (5%) | −$270 |
| Cash Flow | -$2,653/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$64,800 |
| Vacancy (5%) | −$3,240 |
| Property Tax | −$12,781 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$11,945 |
| Annual NOI | $34,134 |
| Cap Rate | 2.86% |
Cash Required to Close
| Down Payment (20%) | $238,900 |
| Ontario Land Transfer Tax | $20,365 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $262,265 |
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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