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Investment Property Mortgages in Canada

Build your real estate portfolio with mortgages designed for Canadian landlords. We understand rental income qualification, portfolio lending, and how to structure financing for maximum cash flow.

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1

Strategy Call

Discuss your goals and financing needs

2

Get Pre-Approved

We match you with the right lender

3

Close Your Deal

Fast closings with expert support

Why LendCity

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.

80%
Rental Income Offset
20%
Minimum Down
$2B+
Total Financing
50+
Lender Partners

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.

Ready to finance your next investment property?

Let's find the right financing.

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Requirements

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
FAQ

Questions About Investment Property Mortgages

Everything you need to know about financing rental properties in Canada.

Qualification & Income

Canadian lenders typically allow 50-80% of rental income to offset your mortgage qualification. The exact percentage depends on the lender, whether the property is already tenanted, and whether you have a signed lease. Some B-lenders and commercial programs allow up to 100% of rental income consideration. We match you with the lender offering the highest rental offset for your specific situation.
Investment properties in Canada require a minimum 20% down payment. Unlike primary residences, you cannot use CMHC insurance for rental properties.

Portfolio & Scaling

Yes. While conventional lenders may limit you to 4-5 financed properties, we work with portfolio lenders and commercial programs that have no property limits.
Lenders use GDS (Gross Debt Service) and TDS (Total Debt Service) ratios. For rental properties, a portion of rental income (50-80%) is added to your qualifying income to offset the new mortgage payment.
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You purchase a property below market value, renovate to increase its appraised value, rent it out, then refinance based on the new higher value to recover your initial capital.

Strategy & Tax Benefits

Yes, using your primary residence HELOC for an investment property down payment is one of the most common strategies among Canadian real estate investors.
Canadian investment property owners can deduct mortgage interest, property taxes, insurance, maintenance, property management fees, and depreciation (Capital Cost Allowance) against rental income.

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