Blog · Investor articles 566 articles

Latest Articles

Expert insights on investment property financing, mortgage strategies, and real estate investing tips.

Articles: 566
Writers: 2
Since: 2019

Featured Mortgage & Financing 2026.07.08

Improve Debt Service Ratios for Mortgage Approval .

Optimize GDS and TDS ratios to qualify for investment mortgages. Strategies to pay down debt, increase income, and use rental offsets.

Debt service ratios (GDS and TDS) control mortgage approval. GDS must be 39% or less, TDS must be 44% or less. You can improve these by paying down debt and increasing income.

Scott Dillingham

Mortgage & Financing

12 min read

Read the article

Improve Debt Service Ratios for Mortgage Approval

All articles

11 articles

2026.07.07

2026.07.07 Latest

How to Evaluate a Deal Before Applying for Financing

A step-by-step deal evaluation framework to ensure your investment property makes financial sense before you apply for a mortgage.

2026.07.07 Scott Dillingham · 12 min Real Estate Investing 101
2026.07.06

2026.07.06

How Fast Can You Close on an Investment Property?

Realistic closing timelines for investment property purchases in Canada by financing type, plus how to speed up the process.

2026.07.06 Scott Dillingham · 10 min Mortgage & Financing
2026.07.05

2026.07.05

Cross-Border Mortgage for Canadians Buying US Property

Step-by-step guide for Canadian investors applying for US mortgages. DSCR loans, foreign national programs, LLC setup, and closing process explained.

2026.07.05 Scott Dillingham · 13 min US & Cross-Border Investing
2026.07.04

2026.07.04

Choosing the Right Amortization for Rental Properties

How to choose between 25-year and 30-year amortization for your rental property mortgages in Canada.

2026.07.04 Scott Dillingham · 10 min Mortgage & Financing
2026.07.03

2026.07.03

A-Lender vs B-Lender vs Private Lender: Which Fits Your Deal?

Compare A-lenders, B-lenders, and private lenders for investment mortgages. Rates, qualification criteria, and when to use each in Canada.

2026.07.03 Scott Dillingham · 14 min Mortgage & Financing
2026.07.01

2026.07.01

How to Evaluate a Development Partnership as an LP in Canada

Due diligence checklist for limited partners evaluating real estate development partnerships in Canada. GP track record, returns, risk, and docs.

2026.07.01 Scott Dillingham · 6 min Partnerships & Capital Raising
2026.07.01

2026.07.01

How to Invest in Private Mortgages in Canada (2026 Guide)

Learn how to invest in private mortgages in Canada. Secured lending, RRSP/TFSA options, due diligence, returns, and how private mortgage investing works.

2026.07.01 Scott Dillingham · 7 min Partnerships & Capital Raising
2026.07.01

2026.07.01

RRSP Private Mortgage Investing: Step-by-Step Canada Guide

Step-by-step guide to lending RRSP funds as private mortgages in Canada. Self-directed accounts, trustees, documentation, and tax advantages explained.

2026.07.01 Scott Dillingham · 6 min Partnerships & Capital Raising
2026.06.29

2026.06.29

Commercial Mortgage Broker vs Bank: Which Saves You More?

Compare commercial mortgage brokers vs banks in Canada. See rates, speed, lender access, and which option works best for your deal.

2026.06.29 Scott Dillingham · 15 min Mortgage & Financing
2026.06.29

2026.06.29

US Estate Tax Planning for Canadians Owning US Rental Property

Learn how US estate tax hits Canadian owners of American rental property — and whole life strategies foreign nationals use to protect heirs from forced sales.

2026.06.29 Scott Dillingham · 6 min US & Cross-Border Investing
2026.06.27

2026.06.27

Commercial Mortgages Atlantic Canada: Halifax, Maritimes Guide

Commercial mortgage rates, lenders & financing for Halifax, Nova Scotia, New Brunswick, PEI & Newfoundland. Cap rates, DSCR, LTV requirements.

2026.06.27 Scott Dillingham · 15 min Mortgage & Financing

Latest Articles L a t e s t A r t i c l e s

Improve Debt Service Ratios for Mortgage Approval .

All articles

How to Evaluate a Deal Before Applying for Financing

How Fast Can You Close on an Investment Property?

Cross-Border Mortgage for Canadians Buying US Property

Choosing the Right Amortization for Rental Properties

A-Lender vs B-Lender vs Private Lender: Which Fits Your Deal?

How to Evaluate a Development Partnership as an LP in Canada

How to Invest in Private Mortgages in Canada (2026 Guide)

RRSP Private Mortgage Investing: Step-by-Step Canada Guide

Commercial Mortgage Broker vs Bank: Which Saves You More?

US Estate Tax Planning for Canadians Owning US Rental Property

Commercial Mortgages Atlantic Canada: Halifax, Maritimes Guide

Ready to Take the Next Step?

Latest Articles