46 Pallock Hill Way, Whitby
Whitby
$698,000
Cash flow, cap rate & mortgage breakdown
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Listed by HOMELIFE/FUTURE REALTY INC.
Investment Analysis
Key Facts
Type
Att/Row/Townhouse
Bedrooms
3
Bathrooms
3
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
Welcome To 46 Pallock Hill Way, The Fabulous End/Corner Unit Townhome, Ideally Situated On A Quiet Street Overlooking Vanier Park. This 2+1 Bedroom With 3 Bathroom Townhouse With Sun-Drenched Open-Concept Living Area With Ample Windows. The Kitchen Features An Updated And Modern Design With An Island/Breakfast Bar, Stainless Steel Appliances, And A Sleek Range Hood. The Spacious Living/Dining Area Complete With A Cozy Fireplace, Laminate Flooring, And A Walk-Out To The Balcony Offering Peaceful Views. Upstairs, You'll Discover Two Good Size Bedrooms. On The Ground Floor, A Versatile Bonus Room Functions As An Office Or Potential Third Bedroom. The Unfinished Basement Offers A Practical Layout With A Laundry/Storage/Utility Area. This Townhome Blends Modern Comfort With Functional Living Spaces To Enjoy. Quick & Easy Access To Transit, Go, Hwy 401, 412 & 407. Whether You're Upsizing, Downsizing, Or Buying Your First Home, This Move-In Ready Townhome Offers Everything You're Looking For.
MississaugaInvestor.ca
46 Pallock Hill Way
Att/Row/Townhouse · 3bd/3ba · ~1,300 sqft
$698,000
Cash-Flow Report · August 1, 2026
Cap Rate
3.67%
Monthly Cash Flow
-$1,080/mo
Estimated Rent
$3,750/mo
Cash-on-Cash
-8.47%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$3,750 |
| Mortgage | −$3,213 |
| Property Tax | −$622 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$582 |
| Vacancy (5%) | −$188 |
| Cash Flow | -$1,080/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$45,000 |
| Vacancy (5%) | −$2,250 |
| Property Tax | −$7,469 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,980 |
| Annual NOI | $25,601 |
| Cap Rate | 3.67% |
Cash Required to Close
| Down Payment (20%) | $139,600 |
| Ontario Land Transfer Tax | $10,435 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $153,035 |
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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