12 Simcoe Street, Whitby
Whitby
$849,000
Cash flow, cap rate & mortgage breakdown
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Listed by Royal Heritage Realty Ltd.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
3
Bathrooms
1
Days on Market
1
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 this exceptional and incredibly rare offering. Nestled in the highly desirable family friendly Olde Brooklin neighbourhood. Featuring 3 spacious bedrooms, a large kitchen and dining area with a separate living room and gas fireplace. Enjoy a coffee on the covered front porch. Move in ready! Partially finished basement has great in-law suite potential with above grade windows. Minutes to shopping, schools, parks, 407 and the new Whitby sports complex.
MississaugaInvestor.ca
12 Simcoe Street
Detached · 3bd/1ba · ~1,300 sqft
$849,000
Cash-Flow Report · August 1, 2026
Cap Rate
2.77%
Monthly Cash Flow
-$1,950/mo
Estimated Rent
$3,840/mo
Cash-on-Cash
-12.56%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,840 |
| Mortgage | −$3,908 |
| Property Tax | −$757 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$708 |
| Vacancy (5%) | −$192 |
| Cash Flow | -$1,950/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$46,080 |
| Vacancy (5%) | −$2,304 |
| Property Tax | −$9,084 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$8,490 |
| Annual NOI | $23,502 |
| Cap Rate | 2.77% |
Cash Required to Close
| Down Payment (20%) | $169,800 |
| Ontario Land Transfer Tax | $13,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $186,255 |
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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