Financing Built for Canadian Investors
Most banks treat investment property applications as an afterthought. We specialize in them. Our team has financed over $2 billion in investment properties and knows exactly which lenders give the best terms for rental income qualification.
Rental Income Qualification
Use 50-80% of your rental income to qualify for your next purchase. We work with lenders who give maximum credit for your property's cash flow, and some B-lender programs even allow up to 100% rental income offset.
Portfolio Scaling
No limits on the number of properties you can finance through our lender network. While most Big Six banks cap residential investors at 4-5 financed properties, we transition you to portfolio lenders and commercial programs that welcome large-scale investors.
Competitive Investor Rates
Access investor-specific rate products that mainstream banks don't advertise. Our lender network includes monoline lenders, credit unions with local market expertise, and alternative lenders.
Cash Flow Analysis
Before you buy, we run detailed projections covering mortgage payments, property taxes, insurance, maintenance reserves, and vacancy assumptions.
Multi-Unit Expertise
From duplexes to large multi-unit buildings, we understand the nuances of multi-unit financing including stacking rental income across all units.
BRRRR Strategy Support
Buy, Rehab, Rent, Refinance, Repeat — we structure your financing to support every stage of the BRRRR strategy.
Investment Property Mortgage Requirements
Qualifying for an investment property mortgage in Canada involves stricter criteria than a primary residence purchase. Here is what lenders look for and how we position your application for approval.
Requirements
- Minimum 20% down payment for single-unit rental properties, with 25-35% often required for multi-unit or portfolio purchases
- Minimum credit score of 600 for A-lender approval — B-lenders may accept lower scores with compensating factors like strong rental income
- Proof of stable personal income through employment or self-employment documentation to support debt service ratios
- Rental income consideration of 50-80% from existing or projected leases, depending on the lender and program
- Gross Debt Service (GDS) ratio at or below 39% and Total Debt Service (TDS) ratio at or below 44%, including all existing property obligations
- Satisfactory property appraisal confirming market value and rental income potential for the subject property
- Sufficient cash reserves to cover closing costs (typically 1.5-4% of purchase price) plus 2-3 months of carrying costs
How We Help
- We identify the lenders offering the highest rental income offsets (up to 100% with select B-lenders) to maximize your qualification
- Our team runs a complete cash flow analysis including mortgage, taxes, insurance, vacancy, and maintenance before you make an offer
- We structure HELOC-based down payment strategies that leverage your existing home equity for new acquisitions
- Portfolio lending solutions allow you to finance 5, 10, or 20+ properties without hitting conventional lender caps
- We coordinate post-renovation appraisals for BRRRR investors to ensure maximum refinance value and capital recovery
- Our lender network includes specialists in multi-unit financing for duplexes, triplexes, and fourplexes across every Canadian province
- We provide referrals to real estate accountants and lawyers who specialize in investment property tax strategy and structuring
Questions About Investment Property Mortgages
Everything you need to know about financing rental properties in Canada.
Qualification & Income
Portfolio & Scaling
Strategy & Tax Benefits
Portfolio & Scaling (Continued)
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