Investment Property Mortgages
Build your real estate portfolio with financing designed for rental and investment properties in Ontario.
Investment property mortgages are structured differently than owner-occupied home mortgages. Lenders evaluate rental income potential, your existing portfolio, and your overall financial strength. Whether you are purchasing your first rental property or adding to an existing portfolio, I help you navigate the unique requirements and find competitive financing from lenders who specialize in investment lending.
Who Is This For?
- First-time real estate investors purchasing a rental property
- Experienced investors expanding their portfolio
- Those converting a principal residence to a rental property
- Buyers interested in multi-unit properties (up to 4 units residential)
- Investors looking to leverage equity in existing properties
Common Goals
- Purchase a rental property with competitive financing
- Maximize leverage to grow a real estate portfolio
- Refinance an investment property to access equity for the next purchase
- Structure financing to optimize cash flow and tax efficiency
- Finance multi-unit residential properties
How It Works
We discuss your investment strategy, target properties, and financial goals.
I analyze the property's rental income potential and your qualification across multiple lenders.
I secure financing with the best rate and terms, considering rental income offsets and portfolio lending programs.
I coordinate the closing process and can help plan financing for your next investment.
Important Considerations
- *Investment properties require a minimum 20% down payment.
- *Interest rates may be slightly higher than owner-occupied properties.
- *Rental income can be used to help qualify, typically at 50-80% offset.
- *Each additional property may have stricter qualification requirements.
Investment property mortgages are subject to lender approval. Minimum 20% down payment required. Rental income offsets vary by lender. O.A.C. Rates subject to change.
Ready to Get Started?
Free consultation, no credit check. I search 65+ lenders and 7,000+ solutions to find your best fit.
Subject to lender approval. O.A.C.
Typical Documents Needed
- Government-issued photo ID
- Proof of income and employment
- Notice of Assessment (2 years)
- Existing rental property details and leases (if applicable)
- Down payment proof (minimum 20% for investment properties)
- Purchase agreement and MLS listing
Related Solutions
Advertising Disclosure: Michael Noble Green, Mortgage Agent Level 1 (Licence #M21002443) at 8Twelve Mortgage Corp. (Brokerage Licence #13390). All mortgage products and services are subject to lender approval. O.A.C. Rates and terms are subject to change without notice. This page is for informational purposes and does not constitute a commitment to lend.