How much down payment do I need for a rental property in Ontario?

For a non-owner-occupied rental, the minimum down payment is 20%. If you live in one unit of a 2–4 unit property, you can put down as little as 5–10%.

Does rental income help me qualify for an investment property mortgage?

Yes. Depending on the lender, 50% of gross rent may be added to your income, or up to 100% of rent may be used to offset the mortgage payment before calculating debt ratios.

Are investment property mortgage rates higher in Canada?

Slightly — typically 0.10% to 0.30% above owner-occupied rates. Interest on an income property mortgage is generally tax-deductible, which often offsets the difference.

Investment Property Mortgages

Build Wealth
One Door at a Time.
Financed the Smart Way.

Whether it's your first rental condo or your fifth multiplex, the right mortgage structure is the difference between a property that pays you and one that drains you. Get investor-focused financing across Ontario.

Get Investor Pre-Approval Book a Free Consultation

Cash Flow. Appreciation. Leverage.

Real estate is the only asset class where a lender will finance 80% of your position. Let's use that to your advantage.

20% Down MinimumConventional financing for rentals

Rental Income CountsUp to 100% offset with select lenders

Portfolio LendingScale from one door to many

Equity LeverageUse your home to fund the next one

Investor-FriendlyLenders who understand landlords

What We Finance

Financing for Every Investment Strategy

Rental CondosLow-maintenance entry point into the GTA rental market.

Single-Family RentalsDetached and semi-detached homes with strong tenant demand.

Duplex & TriplexMultiple rents on one title — residential financing up to 4 units.

Owner-Occupied + RentalLive in one unit, rent the rest, and qualify with as little as 5–10% down.

BRRRR & Value-AddBuy, renovate, rent, refinance — pull your capital back out to repeat.

Student & Multi-TenantRoom-by-room rentals near Ontario campuses and transit hubs.

How It Works

From First Rental to Full Portfolio.

1Strategy CallCash flow, appreciation, or both? We map the plan first.

2Investor Pre-ApprovalKnow your ceiling — including how rents help you qualify.

3Structure the DealDown payment source, amortization, and lender matched to the property.

4Close & CollectFirm approval, appraisal, and keys — then tenants move in.

5Scale & RepeatRefinance equity from door one to fund door two.

Will This Property
Cash Flow?

Run the numbers before you write the offer. Our rental cash flow calculator shows your monthly position after mortgage, taxes, and expenses.

Try the Calculator

Rental Cash Flow Calculator

Does the Deal Pay You?

Plug in the purchase price, rent, and expenses — see your monthly cash flow and cash-on-cash return instantly.

Monthly Cash Flow

-$780

Mortgage Payment

$3,13030-yr amortization

Cash-on-Cash Return

-6.2%annual, before appreciation

Excludes closing costs, vacancy, and principal paydown (which builds your equity every month). Estimate only — actual terms depend on the property, your income, and credit. OAC.

FAQ

Investor Questions, Answered

For a property you will not live in, the minimum down payment is 20%, and the mortgage is not insurable through CMHC. If you plan to live in one unit of a duplex, triplex, or fourplex, owner-occupied rules apply and you can put down as little as 5% on the first $500,000 and 10% on the balance (for purchases under $1.5 million).

Have more questions? We're here to help.Book a Free Consultation →

A modern duplex investment property at dusk

Your Next Property Is Out There.
Let's Get You Financed.

A 20-minute strategy call is all it takes to know exactly what you can buy — and how to structure it so it pays you back.

Call (416) 561-9274 Book a Free Consultation

Financing for Every Investment Strategy

From First Rental to Full Portfolio.

Does the Deal Pay You?

Investor Questions, Answered

Your Next Property Is Out There.Let's Get You Financed.

Book a Call. Let's Talk About Your Mortgage Goals.

Your Next Property Is Out There.
Let's Get You Financed.