Mortgage Products Guide
Not all mortgages are created equal. Discover the financing products designed specifically for real estate investors and learn how to choose the right one for your strategy.
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Quick Answer
Intermediate 5 min read
Canadian investors can choose from conventional mortgages, DSCR loans, commercial mortgages, private mortgages, CMHC-insured financing, reverse mortgages, and second mortgages. Each serves different investment strategies - conventional for standard properties, DSCR for portfolio scaling, commercial for 5+ units, and private for quick financing or unique situations.
Key Points
- Conventional mortgages: Standard 1-4 unit properties with personal income qualification
- DSCR loans: Qualify based on property cash flow, ideal for portfolio scaling
- Commercial mortgages: For 5+ unit properties with business-focused underwriting
- Private mortgages: Higher rates but flexible terms for unique situations
Important Numbers
5-30%
Min Down Payment
5-12%
Interest Rate Range
1-100+ units
Property Types
5-30 days
Closing Time