# What are the 2026 OSFI implications for 'Income-Producing' cottages?

> If the cottage is purchased primarily to be an AirBnB, it falls under the 2026 'Income-Producing Residential' classification.

Category: Purchasing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/purchasing/what-are-the-2026-osfi-implications-for-income-producing-cottages

## Answer
### Section Summary

- Classification: Secondary Home (User-Occupied) vs. Investment (Rental-Primary).
- Strategy: Advise borrowers to document their personal use to maintain 'Secondary Home' classification and lower rates.

## Related guide
- https://ratellow.com/guides/vacation-secondary-property-rules

## Sources
- CMHC-SCHL — https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/home-start