I own 6+ rental doors myself, so the down payment rules, the rental-income math, and the 2 a.m. water heater calls are all first-hand knowledge. Whether it's door one or door five, I'll run your numbers like they're mine.
A pure rental property needs at least 20% down. A home you live in with a suite can need much less. Which one you're buying changes the whole strategy.
Some lenders add a slice of rent to your income; others offset it against the property's costs. The same duplex can pass at one desk and fail at another.
From door two onward, lenders look at everything you own and owe. Structuring matters: the order you buy in and where each mortgage sits affects what you can do next.
Most BC investors don't save a rental down payment in cash. They unlock it from a home they already own.
Replace your mortgage with a larger one and take the difference as a lump-sum down payment.
A revolving line against your home. Flexible, interest-only options, drawn only when you find the right property.
A mortgage and line of credit combined; the credit limit grows as you pay down principal. Built for repeat investors.
Full comparison on the refinancing page, and the step-by-step version in the equity guide.
Bring the listing, or just the idea. I'll show you the down payment, the cash flow, and how lenders will read it, the same math I run on my own properties.