Why Invest in Real Estate?
Real estate continues to be one of the most reliable ways to build long-term wealth. Investment properties can generate rental income, appreciate in value, and diversify your financial portfolio.
Key Mortgage Rules for Investment Properties
- Down Payment: Minimum of 20% for rental properties (higher if multi-unit or non-owner occupied).
- Rental Offset & Add-Backs: Lenders use a portion of rental income to help you qualify. Each lender has different policies.
- Rates & Terms: Investment property mortgages may carry slightly higher rates than primary residences.
What Lenders Look For
- Strong credit history and sufficient income to cover potential vacancies.
- Proof of rental income through leases, MLS, or market rent appraisals.
- A clear exit strategy if using alternative or private financing.
Benefits of Working With a Mortgage Agent Level 2
As a Level 2 agent, I have access to all types of lenders — including those more flexible with investment property rules. This means more options and smarter strategies to help you scale your portfolio.
The Bottom Line
With the right financing strategy, investment properties can be a powerful wealth- building tool in Ontario. I’ll help you find the best mortgage solutions to maximize your returns.
