43 Mac Carl Crescent, Whitby
Whitby
$1,343,000
Cash flow, cap rate & mortgage breakdown
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Listed by ROYAL LEPAGE VISION REALTY
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
6
Days on Market
2
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,445/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Luxurious 4+2 Bedroom, 4+2 Washroom Delta Rae Home With Over 3800 Sqft Of Living Space.***LEGAL 2 Bedroom, 2 Full Washroom Basement Apartment with Separate Entrance***. $$$ Spent On Premium Upgrades. Large Private Backyard With An Inground Pool, Backing Onto A Park. 9Ft Ceiling On Main Floor. Custom Accent Walls, Premium Light Fixtures. Hardwood Floors. Quartz Counters/Backsplash. Crown Moulding/Wainscotting Throughout. Too Many Upgrades To List, Must See!
MississaugaInvestor.ca
43 Mac Carl Crescent
Detached · 6bd/6ba · ~2,750 sqft
$1,343,000
Cash-Flow Report · August 1, 2026
Cap Rate
2.31%
Monthly Cash Flow
-$3,599/mo
Estimated Rent
$5,395/mo
Cash-on-Cash
-14.64%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$5,395 |
| Mortgage | −$6,182 |
| Property Tax | −$1,198 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$1,119 |
| Vacancy (5%) | −$270 |
| Cash Flow | -$3,599/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$64,740 |
| Vacancy (5%) | −$3,237 |
| Property Tax | −$14,370 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$13,430 |
| Annual NOI | $31,003 |
| Cap Rate | 2.31% |
Cash Required to Close
| Down Payment (20%) | $268,600 |
| Ontario Land Transfer Tax | $23,335 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $294,935 |
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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