Investment Mortgages
Ready to grow your investment property portfolio? I help investors structure smart financing for rental properties, multi-family, and more.
Real estate investing is one of the most powerful wealth-building strategies available to Canadians. Getting the financing right is what separates successful investors from stressed ones.
Whether it's your first rental property or your fifth, I'll help you understand how investment financing works differently from owner-occupied mortgages: debt ratios, rental income offsets, down payment requirements, and portfolio lending.
The goal is to maximize your leverage while maintaining healthy cash flow — so your investment actually makes money from day one.
What You Get Working with Me
- Understand how rental income offsets qualification ratios
- Down payment strategies for investment properties
- Portfolio lending options for multiple properties
- Maximize leverage while maintaining healthy cash flow
- Access to lenders who specialize in investment financing
Common Questions
How much down do I need for an investment property?
Minimum 20% for a rental/investment property in Canada. Unlike owner-occupied properties, there's no default insurance available below 20% for rentals.
Does rental income help me qualify?
Yes — most lenders factor in a percentage of rental income (typically 50–80%) to help you qualify. This is called rental offset and it can significantly improve your qualifying power.
Can I use my home equity to fund the down payment?
Yes, you can use a HELOC or refinance on your primary residence to fund the down payment on an investment property. I'll help you analyze if this strategy makes sense for your situation.
Ready to Get Started?
Let's talk about your situation. I'll find the best options available for you, at no cost.
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