Tailored Investment Property Mortgage Solutions in Canada
Quick answer
Quick answer (Canada): Investment property mortgages are approved using rental income, borrower strength, loan to value, and coverage tests like DSCR or insurer debt-service rules. Options include insured rental for legal suites, conventional 1 to 4 units, small multifamily, and DSCR programs using market or lease rents. We package once and make lenders compete so your payment, prepayments, and covenants match the plan.
See: Investment Properties Guide · Mortgage Payment Calculator · LTV Calculator · Product Comparison
Rental eligibility and insurance rules are published by CMHC and other mortgage insurers. Review current CMHC consumer resources before you purchase.
Build wealth with the right structure for rentals and small multifamily. We compare 100+ lenders and design terms that protect cash flow, align with your strategy, and scale to the next door.
Investor Pain Points, Clear Solutions
- Coverage is tight. We right-size amortization and use market rents where allowed to improve DSCR.
- Bank limits growth. We place with lenders that allow more doors and clearer rental add-backs.
- Confused by insured vs uninsured. We compare total cost and leverage on legal suites and small multi.
- Short-term rental or vacancy risk. We structure for conservative rents and a safe buffer.
- Closing timeline pressure. Parallel processing of appraisal, insurer, and legal to hit dates.
- Future scaling. Plan renewals and refinance steps so property two and three are easier.
Why Investors Choose Genesis Group
- 100+ lenders compared. Banks, credit unions, DSCR programs, and alternative capital.
- Coverage focused. DSCR, rental offsets, and insurer rules handled in-house.
- Scale ready. Structures that keep room for your next purchase.
- White glove. One clean package, fewer asks, transparent costs.
- Speed. Fast pre-approvals and tight coordination through funding.
5 Year - Fixed Term from
Get Started Now and Save Thousands!
No cost, no obligation—just your best rate in minutes.
At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.
Types of Investment Property Mortgages We Arrange
Conventional 1 to 4 Units
Rental add-backs and offsets with flexible terms for duplexes and fourplexes.
See eligibilityInsured Rental with Legal Suite
Leverage insured options on qualified properties with strong total cost math.
Compare optionsDSCR Programs
Underwrite to market or lease rents and right-size expenses for coverage.
Target DSCRSmall Multifamily 5 to 8 Units
Bridge to term with commercial style underwriting and clear exit.
Talk structureBRRRR and Value-Add
Acquisition plus renovation mapped to take-out and future refinance.
Map your planPortfolio and Blanket
One facility across multiple properties for simpler scaling.
Design the stackTools: Payment Calculator · LTV Calculator · Commercial Mortgage Calculator · Investment Properties Guide
Our Investor Process
- Apply in minutes. Share your strategy and deals in pipeline.
- We underwrite coverage. Use market or lease rents and dial in DSCR.
- Lenders compete. Compare terms across banks, credit unions, and DSCR programs.
- Appraisal and legal. Tight coordination to close on time.
- Scale plan. Roadmap for refinance and property two or three.
Soft check • No impact on credit • FSRA-licensed
Discover the Key Benefits of Choosing Your Investment Property Mortgage with Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more
S T
01/13/2023If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more
Samantha L
09/13/2024Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more
Sean P.
02/21/2024Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more
Maria Woychyshyn
11/13/2024From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more
Rohan Germain
01/13/2024My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more
Laura Vescio
11/13/2024My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more
stephanie B
01/13/2023I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!
Breanna Bacik
09/13/2024As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more
Rohan Spence
05/13/2024
Gain access to our vast network of 100+ lenders offering tailored residential mortgages to suit your financial needs.
Real results for Canadian investors
Duplex with DSCR focus
Coverage tuned to 1.23× and cash flow positive from day one.
Read case studyTownhome servicing then vertical
Milestone draws and insured exits lowered total carry.
Read case studyOwner strategy with LOC
Commercial take-out paired with an operating line to keep growth smooth.
Read case studyFrequently Asked Questions
What is an investment property mortgage in Canada?
An investment property mortgage is designed for purchasing or refinancing real estate that generates rental income. Lenders assess rental offsets or DSCR (Debt Service Coverage Ratio), borrower credit, down payment, and property type. Programs cover 1–4 unit rentals, small multifamily, BRRRR, and DSCR-only approvals. Start here with our Investment Properties Guide.
How is an investment property mortgage different from a residential mortgage?
Residential mortgages are based mainly on personal income and GDS/TDS ratios. Investment mortgages also use rental income, market rents, or DSCR to qualify. Rates, down payment, and insurance rules differ. Investor loans may require larger equity and stricter coverage tests but allow scaling across multiple properties.
What is the minimum down payment for an investment property in Canada?
For 1–4 unit rentals, minimum down payment is typically 20%. If owner-occupied with a legal suite, insured options may allow 5–10% down. For 5+ unit small multifamily, 25% or more is often required. We structure financing based on property type, insurer rules, and growth plan.
Can I qualify for an investment property mortgage if I am self-employed?
Yes. Self-employed borrowers can qualify using business bank statements, contract income, or DSCR programs that focus on property cash flow instead of tax line 15000. Genesis Group specializes in packaging self-employed investor files for credit unions, alternative lenders, and DSCR products.
What is DSCR and why is it important for investment property mortgages?
DSCR (Debt Service Coverage Ratio) compares rental income to mortgage payments. Most lenders look for 1.10–1.25× coverage depending on property size and location. A stronger DSCR means better approval odds, higher leverage, and sometimes sharper pricing. Run numbers with the LTV Calculator and Payment Calculator.
Can rental income from Airbnb or short-term rentals be used to qualify?
Some lenders accept short-term rental income if it is supported by signed leases, T1 tax filings, or appraiser market rent schedules. Others require long-term lease comparables. We confirm which lenders accept Airbnb income and how to document it properly before submitting your file.
Get started
Ready to grow your portfolio with confidence. We will design the right structure today and a clear plan for the next door.
Soft check • No impact on credit • FSRA-licensed
