Charron Solutions Inc. o/a Chief Lending · FSRA Brokerage Licence #13806 (416) 910-4214 info@chieflending.ca

Investment Property Mortgages

Financing for rentals, multi-unit homes and second properties, including using rental income to qualify.

Build wealth through real estate

Investment property lending has its own rules. We match you with lenders that treat rental income favourably and structure your portfolio for growth.

  • Rental properties: minimum 20% down for 1–4 unit non-owner-occupied homes.
  • Owner-occupied with rental suite: as little as 5%–10% down, with rental income used to qualify.
  • Rental offset vs. add-back: lenders count rent differently, and the right lender can greatly increase your approval.
  • Equity take-out: use your home’s equity as a down payment on your next property.
  • Multi-unit (5+): commercial and CMHC MLI Select options for larger buildings.

Discuss my investment plans

Investor quick facts

Min. down (rental)
20%
Rental income used
50%–100%
Max refinance
80% LTV

Ready to start your mortgage journey?

Get pre-approved in as little as 24 hours. No cost, no obligation.