Investment Property
Financing
Build wealth through real estate. Michael North helps Ontario investors finance rental properties with strategies designed for portfolio growth and cash flow.
Why Choose Michael North
Get Investment Property Pre-Approval
Investor-focused • Rental income qualifying • Portfolio strategies
Why Choose Michael North
Why Choose Michael North for Your Investment Property Mortgage
As a licensed Ontario mortgage agent, Michael North provides personalized service and access to the best rates from over 50 lenders.
Use Rental Income to Qualify
Most lenders allow 50-80% of rental income to be added to your qualifying income, helping you purchase more properties.
Finance Multiple Properties
Build your real estate portfolio with financing strategies designed for investors. No limit on number of rental properties.
Cash Flow Positive Deals
Michael analyzes potential purchases to ensure positive cash flow after all expenses including mortgage, taxes, and maintenance.
Access Existing Equity
Leverage equity in your current properties to fund down payments on additional investment properties.
Tax-Efficient Strategies
Structure your financing to maximize tax-deductible interest. Work with your accountant to optimize your investment returns.
Protect Your Primary Residence
Keep your home separate from investment properties with proper financing structures that protect your personal assets.
Investment Property Mortgages in Ontario
Investment property mortgages are loans for properties you purchase to rent out and generate income, rather than to live in yourself. Ontario's strong rental markets in cities like Toronto, Ottawa, Hamilton, and London make real estate investing attractive for building long-term wealth.
Michael North specializes in helping Ontario investors finance rental properties. Whether you're buying your first investment property or adding to an existing portfolio, Michael provides financing strategies tailored to investors.
Why Invest in Ontario Real Estate?
- Strong rental demand — Growing population and limited housing supply drive rental rates
- Appreciation potential — Ontario real estate has historically appreciated over time
- Leverage — Use mortgage financing to control valuable assets with limited capital
- Tax advantages — Mortgage interest, property taxes, and expenses are tax-deductible
- Passive income — Build cash flow that grows over time as rents increase
How Investors Qualify for Rental Property Mortgages
Qualifying for investment property financing is different from qualifying for your primary residence. Lenders look at several additional factors when financing rental properties.
Key Qualification Factors:
- Down payment: Minimum 20% for most lenders (vs. 5% for primary residence)
- Rental income offset: 50-80% of rental income added to your qualifying income
- Debt service ratios: GDS and TDS including all properties you own
- Credit score: 680+ for best rates, though options exist for lower scores
- Cash reserves: Some lenders want to see 6+ months of expenses in savings
- Property cash flow: The property should generate positive cash flow
Michael North knows which lenders have the most investor-friendly guidelines and can structure your application to maximize approval chances and get the best rates.
How to Get Your Investment Property Mortgage with Michael North
Working with a mortgage agent makes the process simple. Here's how it works:
Investment Strategy Review
Discuss your investment goals, target markets, and portfolio strategy. Michael helps you understand your borrowing capacity.
Pre-Approval for Investors
Get pre-approved based on your income, existing properties, and investment strategy. Know exactly what you can purchase.
Property Analysis
For each potential purchase, Michael analyzes cash flow, cap rate, and financing options to ensure the deal makes sense.
Close & Collect Rent
Finalize your financing, close on the property, and start building wealth through rental income and appreciation.
50+ Lenders.
One Application.
Michael North has direct access to Canada's top banks, credit unions, trust companies, and alternative lenders. Your single application reaches them all.
TD Canada Trust
Investment property rates, rental income qualifying
Scotiabank
STEP mortgage for rental properties
BMO
Portfolio lending for multiple properties
RBC Royal Bank
Investment property financing programs
First National
Competitive rental property rates
MCAP
Investor-friendly qualification guidelines
Equitable Bank
Alternative lending for investors
B2B Bank
Self-employed investor programs
Home Trust
Non-traditional income verification
CMLS Financial
Small multi-unit residential
Bridgewater Bank
Investor mortgage solutions
Haventree Bank
Near-prime investment property loans
Plus 40+ additional lenders including Desjardins, Manulife, Industrial Alliance, and more
Frequently Asked Questions About Investment Property Mortgage
Investment Property Mortgage Services Across Ontario
Michael North provides investment property mortgage services to clients throughout Ontario, including these major cities and surrounding areas:
Ready to Get Started?
Contact Michael North today for a free, no-obligation consultation. Get expert guidance and access to the best investment property mortgage rates in Ontario.
Michael North, Mortgage Agent Level 1 (License #M23007520) | Owl Mortgage (Brokerage #13364, Powered by Centum Financial) | Regulated by FSRA