Investment Property Research
How lenders qualify rental and investment properties (higher down payment, rental-offset rules, DCR requirements), the tax treatment of mortgage interest on investment properties, and strategies like the Smith Manoeuvre that treat principal residence debt as investment debt.
5 guides in this category.
BRRRR Mortgage Rules Canada 2026: OSFI B-20, CMHC & Refinance Strategy for Investors
Master the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy under Canada's 2026 mortgage rules. This guide covers OSFI Guideline B-20 stress test requirements, CMHC mortgage insurance eligibility, 30-year amortization access for investors, rental income qualification rules, and maximum loan-to-value (LTV) limits for refinancing — everything Canadian real estate investors need to execute the BRRRR cycle successfully.
Rental Income Offset vs. Add-Back: How Canadian Lenders Qualify Rental Income in 2026
Discover how Canadian lenders use two distinct methods — the offset method and the add-back method — to assess rental income when qualifying you for a mortgage in 2026. This guide breaks down qualification rules, income percentages, and key differences for investors, first-time buyers, and homeowners with secondary suites.
How to Finance a Duplex or Triplex in Canada: 2026 Down Payment, Rental Income & CMHC Rules
Thinking about buying a duplex or triplex in Canada? This guide covers everything you need to qualify in 2026 — including minimum down payments (as low as 5% for owner-occupied properties), how lenders treat rental income offsets (typically 50–80% of gross rents), CMHC (Canada Mortgage and Housing Corporation) mortgage insurance eligibility for multi-unit properties, and the new 30-year amortization rules for insured mortgages. Whether you're a first-time buyer house-hacking a duplex or an investor scaling a small portfolio, get the numbers and rules you need to move forward with confidence.
2026 Canadian Investment Property Mortgage Rules: Down Payments, LTV, and Rental Income Qualification
Navigate Canada's 2026 investment property mortgage landscape with confidence. This guide covers the essential rules every investor must know: minimum 20% down payment requirements, CMHC mortgage default insurance ineligibility, OSFI (Office of the Superintendent of Financial Institutions) B-20 stress test obligations, loan-to-value (LTV) limits, how lenders calculate rental income offsets, and amortization strategies to maximize long-term cash flow.
2026 Guide: How to Finance 5+ Unit Residential Buildings in Canada
Financing a residential building with five or more units in Canada means entering commercial mortgage territory — with stricter underwriting, higher scrutiny, and different rules than a standard home loan. This guide explains the 2026 regulatory landscape, including OSFI (Office of the Superintendent of Financial Institutions) Guideline B-20 commercial criteria, CMHC (Canada Mortgage and Housing Corporation) MLI Select program eligibility, maximum loan-to-value (LTV) ratios, debt service coverage ratio (DSCR) minimums, and amortization limits — so multi-unit investors can approach lenders with confidence.