Investment Property Mortgage Renewal — Investor Strategy
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Start 120 Days Out
Mark your renewal date and begin rate shopping four months before — investor files take longer than primary homes.
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Shop Multiple Lenders
Your current lender's renewal offer is a starting point, not the finish line. Brokers submit to monolines, credit unions, and B lenders.
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Switch or Blend-and-Extend
Compare staying, switching at renewal, or blend-and-extend if breaking early doesn't pencil out.
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Coordinate the Portfolio
Stagger renewals, align with refinance plans, and protect cash flow across multiple rentals.
Deep-dive guide
Read our full renewal playbook for negotiation scripts, lender switching, and portfolio timing.
Mortgage renewal strategy for investors →
Owner-occupied and residential-rental stay-vs-switch detail lives on Mortgage Renewal Hub's investment property renewal guide.
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Canadian mortgage renewal guide
Shop 120 days out, negotiate the retention desk, and decide stay vs switch.
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Switching lenders at renewal
Straight switches no longer need the stress test — process, costs, and timing.
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Stress test at renewal
When B-20 still applies (refinance, increase) and when it does not (same-amount switch).
Investor Renewal FAQ
Answers for landlords renewing in 2026.
Investor Renewals
Switching & Portfolio
“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super…”
“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was…”
“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10…”
“I had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my…”
“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me…”
“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at…”