Financing an income property is about the property as much as the borrower. Lenders look at whether the rental income supports the financing, how much equity you bring, and your overall picture. Here is what they weigh, so you can put your strongest file forward.
What the property earns and how reliably it does so.
DSCR: whether the property's income covers the financing, with room to spare.
Investment properties usually call for more equity than a home.
Personal credit, net worth, and existing obligations.
Your track record as an owner and the plan for the property.
Financed much like a home, with rental income considered and more equity typically expected. On some properties, insured options may be available to review.
Assessed more on the property's income and performance than on you alone. Terms and structure differ from residential, and we handle both under one roof.
Looking at a rental or income property? Bring us the numbers and your plans, and we will map the financing across residential and commercial. A licensed member of our team will follow up.
Start a conversationInformation here is general and educational. It is not financial, legal, or lending advice, and it is not an offer of financing. Investor financing requirements, including income, equity, and coverage measures, vary by lender, property, and province. Insured options are subject to program eligibility and are framed here as options that may be available, not guarantees. Any figures or ratios are illustrative only. All financing is subject to lender review, property review, and supporting documentation. Submission of a form does not guarantee approval or financing.