Investment Properties

Grow your real estate portfolio with smart financing. From rental units to multi-property portfolios, I help investors at every stage.

Investment Properties

Real estate investment remains one of Canada's most reliable wealth-building strategies. But financing an investment property is different from financing a primary residence — getting it right can make a significant difference to your returns.

From first-time landlords to experienced investors with multiple properties, I'll help you structure financing efficiently.

Key Things to Know

  • Minimum 20% down payment required for rental properties
  • Rental income can be used to help qualify
  • Interest on investment mortgages may be tax-deductible
  • Multiple property financing available
  • HELOC on primary residence can fund down payment
  • Different stress test rules may apply

Why Work With Gagan Luna

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Portfolio Financing

Access to lenders who understand investor needs and multi-property portfolios.

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Smart Structuring

How you structure your mortgage impacts cash flow and taxes — I'll help you think it through.

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Refinancing for Growth

Tap into existing equity to fund your next investment purchase.

Frequently Asked Questions

Q: Can I use rental income to qualify?

Yes. Lenders typically allow 50–80% of rental income to be added to your qualifying income.

Q: How much down for a rental property?

Investment properties require a minimum of 20% down. CMHC insurance is not available for investor-owned rental properties.

Q: Can I mortgage a property I don't live in?

Yes. These are 'investment' properties with their own qualifying criteria and rates, which I'll walk you through.

Ready to take the next step?

Book a free, no-obligation consultation and let's find the right mortgage for your situation.

Apply Now → Contact Gagan