Investment Property Financing
Finance your next rental — with lenders who understand landlords.
Rentals, duplexes, triplexes, fourplexes and small multi-units. We match you to lenders who count rental income, allow 20% down, and structure your file for portfolio growth.
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Get investment property financing
Tell us about the property. A licensed broker calls you back with real numbers.
Why investors choose Mortgage Made Better
Rental income counts
We use lenders that recognize 50 – 100% of rental income, so your DSCR works harder for you.
From single rentals to portfolios
Single-family, condo, duplex, triplex, fourplex, and small multi-unit — under one roof.
20% down still available
For 1 – 4 unit non-owner-occupied rentals, we know which lenders offer competitive 80% LTV.
Structure built for growth
We plan your first purchase around your second and third. GDS/TDS optimization, income placement, and rate strategy.
Alternative & B-lender options
Beyond the big banks — credit unions, monolines, and B-lenders when the deal calls for flexibility.
Refinance to buy the next one
Unlock equity from existing rentals to fund the next down payment. HELOC or cash-out refi.
How we finance your rental
- 1
Share the deal
Property type, price, rents (actual or market), and your goals. Two minutes, no obligation.
- 2
We map your file to the right lender
Every lender treats rental income and DSCR differently. We know which one will actually approve your deal.
- 3
Written pre-approval + rate hold
You get a clear pre-approval and a rate held while you close, so you can move on the property fast.
- 4
Close and scale
We stay with you through funding — and start planning acquisition #2 the day you close on #1.
Frequently asked questions
How much down payment do I need for a rental property?+
For a non-owner-occupied 1 – 4 unit rental, the minimum down payment is typically 20%. If you plan to live in one of the units of a 2 – 4 unit property, you may qualify with as little as 5 – 10% down through CMHC-insured programs.
Do lenders count rental income when I apply?+
Yes — but every lender treats it differently. Some use 50% of gross rents added to your income; others use a rental offset against the mortgage payment; others use a DSCR-based approach. We match you to the lender whose rules work best for your file.
Can I finance a duplex, triplex, or fourplex?+
Absolutely. 2 – 4 unit residential properties are financed similarly to single-family rentals, and we work with lenders who specialize in small multi-family.
What rates do investment properties get?+
Non-owner-occupied rental rates are typically 0.10 – 0.50% higher than owner-occupied rates. The exact premium depends on the lender, LTV, and your credit profile.
Can I use equity from my home to buy a rental?+
Yes. A refinance or HELOC on your primary residence is a common way to fund the 20% down payment on a rental. We can structure both in one strategy.
What if I already own several rentals?+
Multi-rental portfolios need a broker who understands how each new mortgage affects your qualification for the next. This is exactly what we do — plan for property #4 while funding property #2.
Ready to take the next step?
Speak with a licensed Mortgage Made Better broker — no obligation, no cost, straight answers.
Investment property financing is subject to credit review, property assessment, and lender underwriting. Rates, terms, and rental income treatment vary by lender.
Mortgage Made Better® · FSRA Licence #13747