Investors · Toronto & GTA
Toronto investment property mortgage guides
Investor financing follows different rules: 20% down minimum, rental-offset or add-back income, and DCR (debt coverage ratio) tests on larger units. These guides cover what actually qualifies.
Rental offset vs. add-back
Different lenders use different methods to count rental income — and the choice can swing your maximum borrowing by 6 figures.
Small multi-unit (2-4)
Owner-occupied 2-4 units can go insured with as little as 5-10% down. Pure rental 2-4 units require 20% down and treat income differently.
Portfolio lender limits
Most A lenders cap rental door counts and aggregate exposure. Beyond that you move to commercial or B-lender programs.
Guides in Toronto Investment Property Mortgages
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Toronto Investment Property Mortgages — frequently asked
What down payment is needed for a rental property in Toronto?
20% minimum for a non-owner-occupied rental. Owner-occupied 2-4 unit properties can go as low as 5-10% down via CMHC.
How is rental income calculated for qualification?
Either rental offset (a percentage of rent offsets the property's expenses) or rental add-back (a percentage of rent is added to your income). The choice depends on the lender.
Is BRRRR financing available in Canada?
Yes, but the 'refinance' leg is capped at 80% LTV on the post-renovation appraised value, and requires seasoning at most A lenders.
Build your Toronto investor financing stack
Tell us the property, your existing portfolio, and the strategy. We'll structure the financing across A, B, and private as needed.
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