Build Wealth Through Real Estate in BC & Alberta

Whether you’re buying your first rental property or expanding your portfolio, we structure investment property financing to maximize your returns.

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20%

Minimum Down Payment

90+

Lenders Including Portfolio Lenders

Broker Fees

Investment Property Mortgages Are Different — Here’s What You Need to Know

Financing a rental or investment property in Canada follows different rules than your primary residence. The minimum down payment is 20% (no CMHC insurance on investment properties), rates are typically 0.10–0.30% higher than owner-occupied mortgages, and lenders assess rental income differently. We specialize in structuring investment property financing to maximize your borrowing capacity and minimize your carrying costs.

How Lenders Calculate Rental Income

This is where most investors run into trouble with their bank. Different lenders use different methods to count rental income toward your qualification:

Method	How It Works	Impact on Qualification
50% Offset	50% of gross rental income added to your income	Moderate — most common with major banks
80% Rental Add	80% of gross rental income added to your income	Strong — used by some credit unions and monoline lenders
Rental Offset	Rental income offsets the rental property’s mortgage payment	Best for cash-flow positive properties
DSCR / Portfolio Lending	Qualification based on property cash flow, not personal income	Ideal for investors with multiple properties

We match you with the lender whose rental income calculation gives you the highest qualification — which can mean the difference between qualifying for $600K or $900K.

Investment Property Scenarios We Handle

First Rental Property

First-time investors buying a single-family home, condo, or duplex as a rental. We structure the financing to maximize cash flow from day one.

Multi-Unit Properties

Duplexes, triplexes, and fourplexes. Properties up to 4 units qualify for residential financing — we find the best terms for your specific property.

Portfolio Expansion

Investors with 2+ properties who have hit their borrowing limit with traditional lenders. We work with portfolio lenders who assess your overall portfolio strength.

BRRRR Strategy

Buy, Renovate, Rent, Refinance, Repeat. We structure the initial purchase and the refinance to maximize your equity pull-out and fund the next acquisition.

Can I use equity from my primary residence to buy an investment property?

Yes — this is one of the most common strategies we help clients execute. A HELOC or refinance on your primary residence can provide the 20% down payment for an investment property, effectively letting you leverage your existing equity to build a rental portfolio with minimal out-of-pocket cash.

Do I need to declare rental income on my taxes to use it for qualification?

For most traditional lenders, yes — they want to see rental income on your tax return. However, we also work with lenders who accept a signed lease agreement and market rent comparables for newly acquired properties where you don’t yet have a tax history.

Ready to Grow Your Real Estate Portfolio?

Book a free strategy call with Paramvir or Jimmy. We’ll review your current portfolio, income, and goals — and show you exactly what you can qualify for.