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Investment Property Mortgage Financing

Financing built for Canadian real estate investors — rental properties, portfolio scaling, DSCR qualification, and multi-unit buildings up to four units. Whether you're buying your first rental or expanding an existing portfolio, we find financing that works for your investment goals.

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1

Strategy Call

Discuss your investment and portfolio goals

2

Custom Solution

We analyze cash flow and find the right financing structure

3

Fast Approval

Get pre-approved in 24-48 hours

Why Choose Us

Built for Real Estate Investors

Traditional banks don't understand rental property investing. We work with a network of lenders who evaluate rental income, understand DSCR qualification, and know how to structure financing for investors scaling a portfolio.

20%
Min Down (Investment)
24-48h
Pre-Approval
4
Max Units (Residential)
15+
Years Experience

Rental Income Specialists

We maximize the rental income used in qualification — typically 50–80% of gross rents — to improve your borrowing power on each property.

Portfolio Scaling Strategy

We help investors structure financing to preserve debt capacity across multiple properties and keep buying when traditional banks say stop.

DSCR Loan Options

Qualify on property cash flow rather than personal income — ideal for investors with maxed debt ratios or self-employed income challenges.

Self-Employed Investors

Specialized programs using stated income, business financials, and alternative documentation for self-employed real estate investors.

Cross-Border Investment

Canadians investing in U.S. or Mexican real estate — we structure cross-border financing for investors building international portfolios.

Portfolio Mortgage Solutions

Blanket financing for investors holding multiple residential properties under one loan for simplified management and better terms.

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Financing Options

Investment Property Financing Solutions

Financing strategies for Canadian investors — from first rental property through multi-unit portfolio scaling.

Investment Property

Financing for single-family rentals, duplexes, triplexes, and fourplexes with cash flow analysis. We maximize rental income used in qualification and structure financing for long-term portfolio growth.

Discuss this financing option

What's Included

  • Rental income consideration (50-80% of gross rents)
  • Single-family to 4-unit buildings
  • 20% minimum down payment
  • Cash flow analysis on every deal
  • Investor-focused lender access

Portfolio Mortgage

Blanket financing for investors with multiple residential properties. Consolidate your portfolio under one mortgage for simplified management and the ability to keep scaling without hitting individual property limits.

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What's Included

  • Multiple properties, one loan
  • Simplified portfolio management
  • Release provisions available
  • Scale your residential holdings
  • Portfolio-level underwriting

DSCR Loans

Qualify on rental income rather than personal employment income. Ideal for investors with maxed debt ratios, self-employed income, or those holding too many properties to qualify conventionally.

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What's Included

  • Qualify on rental income, not personal income
  • Ideal for maxed debt ratio scenarios
  • Self-employed investors welcome
  • Commercial mortgage programs
  • Portfolio scaling without income limits

Renovation / BRRRR

Lending based on after-renovation value to finance both acquisition and improvements. We specialize in the BRRRR strategy — providing purchase-plus-renovation financing and then refinancing at the improved value to recycle your capital.

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What's Included

  • Purchase plus improvements financing
  • Based on after-renovation value
  • BRRRR strategy specialists
  • Draw schedules for renovations
  • Refi into long-term debt on completion

HELOC for Investors

Use a Home Equity Line of Credit on your primary residence or existing investment properties to access down payment capital for your next acquisition. A powerful tool for recycling equity across a growing portfolio.

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What's Included

  • Access equity for down payments
  • Revolving credit — reuse as you pay down
  • Pay interest only on drawn amount
  • Combined with investment mortgage
  • Competitive prime-based rates

Self-Employed Investors

Self-employed real estate investors often struggle qualifying with traditional banks. We have specialized programs using stated income, business financials, and bank statement verification that reflect your actual financial position.

Discuss this financing option

What's Included

  • Stated income programs
  • Business financial analysis
  • Bank statement verification
  • Alternative documentation accepted
  • Rental income used alongside business income

New Construction (1-4 Units)

Staged construction-to-permanent financing for building a rental property up to four units. We coordinate draw schedules with your builder and transition to long-term investment financing on completion.

Discuss this financing option

What's Included

  • Construction draw financing
  • Builder coordination
  • Construction-to-permanent
  • Up to 4 rental units
  • Investment property terms on conversion

Cash-Out Refinance

Refinance existing investment properties to pull out equity for your next acquisition, portfolio expansion, or renovations. We analyze whether the numbers work and find the best terms across our lender network.

Discuss this financing option

What's Included

  • Cash-out up to 80% LTV on investment properties
  • Rate and term improvement
  • Fund your next down payment
  • Debt consolidation option
  • Cross-collateralization strategies
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FAQ

Questions About Investment Property Financing Solutions

Everything you need to know about investment property financing solutions.

Investment Property Basics

We finance single-family rentals, duplexes, triplexes, and fourplexes for investment use across Canada, the U.S., and Mexico. For properties with five or more units, we transition you to our commercial lending team which handles multi-family apartment buildings under CMHC and conventional programs.
Investment properties typically require a minimum of 20% down — they are not eligible for CMHC mortgage insurance. Some lenders have higher requirements (25%) depending on the property type and borrower profile.
Yes. Lenders typically allow 50% to 80% of the projected or actual rental income from the property to be added to your qualifying income. The exact percentage depends on the lender and program. We work to maximize the rental income recognition to improve your borrowing power.
BRRRR stands for Buy, Renovate, Rent, Refinance, Repeat. We specialize in this strategy — providing purchase-plus-improvements financing at acquisition, and then helping you refinance at the improved property value to pull capital out and fund your next purchase.

Portfolio & Scaling

If you've hit the residential lending ceiling (typically around property 4-8), we can explore DSCR-based qualification where the rental income from the property drives approval rather than your personal income. For larger buildings (5+ units), commercial financing removes personal debt ratio limits entirely.
A portfolio mortgage (also called a blanket mortgage) allows multiple investment properties to be financed under a single loan. This simplifies management, can improve overall terms, and often allows investors to continue acquiring without the cumulative debt ratio impact of individual mortgages.
Canadian commercial mortgages use DSCR-based underwriting — the property's rental income divided by the mortgage payment must meet a minimum coverage ratio (typically 1.20–1.30x for conventional, 1.10x for CMHC programs). This is equivalent to US-style DSCR lending and allows qualification without personal income limits.

Self-Employed & Alternative Income

Self-employed investors qualify using alternative documentation — bank statements, business financials, or stated income programs — rather than T4 employment income. We have access to lenders who use gross business revenue and rental income together to calculate qualifying income.
Yes — a HELOC on your primary residence or an existing investment property is an accepted source of down payment funds for investment purchases (unlike insured purchases where borrowed down payments are restricted). This is one of the most common ways our clients recycle equity to fund new acquisitions.

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