An investment property mortgage is a loan used to buy a property you rent out rather than live in, from a single rental house to a small multi-unit building. It helps investors by applying the right rental income calculations and lender guidelines, which differ significantly from buying your own home.
Rental financing is a numbers game. Lenders assess the property's rent, your other income and debts, and your experience as a landlord. Choosing the wrong lender can mean your rental income counts for far less than it should.
We map your current properties, income, debts, and plans, and decide whether this purchase fits your long-term strategy and borrowing capacity.
We run the numbers under different lenders' rental rules, add-back versus offset methods, to see where your file qualifies strongest.
We choose ownership structure with your accountant's input, set the down payment, and submit a complete, well-documented application.
We handle conditions, coordinate closing, and note how this purchase affects your ability to finance the next one.
Exact requirements depend on the lender and your situation. I confirm your list on our first call so you gather everything once.
One lender may offset only part of your other debts with rent, while another adds rental income more generously. The same investor can qualify at one lender and fail at another.
Non-owner-occupied rental properties in Canada generally require at least 20 percent down. Budgeting for 5 percent, as with a home purchase, ends the plan quickly.
Each property changes your debt picture. Structuring early purchases with lenders that scale well protects your ability to grow the portfolio later.
Book a free consultation. We look at your numbers together, in plain language, with no pressure and no cost to you.
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