Investment Properties
Build your real estate portfolio with competitive financing — we help Calgary investors secure the right mortgage for every deal.
Investment property financing requires a different approach than owner-occupied mortgages. Higher down payment requirements, rental income calculations, and stress testing all play a role. Calgary Mortgage Shoppe works with investors at every stage — from first rental property to multi-unit portfolio — to secure the most competitive financing available.
Why Choose Calgary Mortgage Shoppe?
- Minimum 20% down for investment properties
- Rental income used to boost your qualifying income
- Single-family, multi-unit, and suite financing
- Portfolio lenders for investors with multiple properties
- Interest-only options available from select lenders
- Competitive rates u2014 better than most bank offers
- Short-term rental (Airbnb) properties considered
- Commercial financing for 5+ unit properties
Frequently Asked Questions
How much down payment do I need for a rental property?
A minimum of 20% down is required for investment properties in Canada. Properties with 1u20134 units use residential financing; 5+ units require commercial financing with different rules.
Can I use rental income to qualify?
Yes. Lenders will count a portion of the rental income to help you qualify. The exact calculation depends on the lender u2014 some use 50% of gross rents, others use full net income. We select the lender whose approach best fits your rental income situation.
Are rates higher for investment properties?
Generally yes u2014 investment property rates are typically 0.10%u20130.30% higher than owner-occupied rates. This reflects the higher risk lenders associate with non-owner-occupied properties. We still find rates significantly below what major banks post.
Can I finance a property on Airbnb?
Some lenders do allow short-term rental financing, though lender policies vary significantly. In some markets, lenders restrict this. We know which lenders are investor-friendly and will find the right fit for your property.
I already have 3 rental properties. Can I get another mortgage?
Yes, though traditional lenders may be more restrictive as your portfolio grows. We have access to portfolio lenders and alternative lenders who specialize in multi-property investors. Contact us to discuss your specific situation.