Service · Investment properties
Investment property mortgages — build long-term wealth with real estate
Financing for rental and income properties across the GTA — from your first rental to a growing portfolio. Let’s structure it to qualify and to grow.
Quick answer: Investment property mortgages finance rental and income properties. Lenders count a portion of the expected rent toward your qualifying income and usually require at least 20% down. The right structure — lender, term, and how rental income is treated — can make or break the deal.
What to expect
- Down payment: typically 20%+ for a rental property.
- Rental income: lenders count part of the rent toward qualifying.
- Portfolio strategy: how you structure each purchase affects your ability to buy the next one.
How I help investors
- Match you to lenders that treat rental income favourably.
- Plan financing so your portfolio can keep growing.
- Use refinancing and equity to fund the next down payment.
Down payment
Typically 20%+
Typically 20%+
Rental income
Counted toward qualifying
Counted toward qualifying
Best for
First rental to full portfolio
First rental to full portfolio
Growth
Equity fuels the next purchase
Equity fuels the next purchase
AI-enabled FAQ
Investment properties — your questions, answered
Real answers to the questions clients actually ask. Search or tap any question.
How much down payment do I need for a rental property?
Generally at least 20% for a non-owner-occupied rental, though a small owner-occupied multi-unit can sometimes require less.
Do lenders count rental income when I qualify?
Yes — most count a portion of the expected or actual rent toward your qualifying income, which can meaningfully boost how much you can borrow.
Can I use equity from my home to buy an investment property?
Absolutely. Many investors refinance or use a second mortgage to fund the down payment on their next property.
How many rental properties can I finance?
It depends on your income, equity, and how each deal is structured. Smart structuring early keeps future doors open — that’s where a broker adds value.
Are rates higher on investment properties?
Rental-property rates can be slightly higher than owner-occupied, and terms vary by lender. I’ll find the most competitive fit for your strategy.
Can I finance a property that needs work?
Yes — there are purchase-plus-improvements and private options for value-add projects that need renovation before they’re rentable.
What if I’m self-employed?
That is a common file, not a difficult one — see self-employed mortgages. There are programs built for business owners and investors whose income does not fit a standard box.
How do I plan for a growing portfolio?
We map your financing several moves ahead so each purchase supports the next. Book a call and we’ll build your roadmap.
Related services
Growing a portfolio?
Let’s structure your financing so you can keep buying. Book a strategy call.
Invest in real estate the smart way
Let’s finance your next property — and plan the one after.
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