Investment Property · Calgary
Investment Property Mortgages in Calgary — Finance Your Rental Portfolio
Investment property financing is more complex than owner-occupied. Deane knows which lenders are most investor-friendly, how rental income is counted, and how to structure your portfolio for growth.
Get Investor Mortgage AdviceWhat You Need to Know Upfront
20% minimum down
Investment properties require at least 20% down — no CMHC insurance available. Some lenders require 25%.
Rates slightly higher
Investment property rates are typically 0.25–0.50% above owner-occupied. Still highly competitive through a broker.
Rental income counting
How rental income is counted toward qualification varies significantly by lender — this is where a broker adds real value.
Portfolio experience matters
Some lenders are much more investor-friendly than others. Deane works with lenders experienced in multi-property portfolios.
The BRRRR Strategy and Mortgage Financing
BRRRR — Buy, Renovate, Rent, Refinance, Repeat — is a popular real estate investment strategy in Calgary. Each stage has different financing needs:
Standard investment property purchase — 20% down, qualify on rental income offset.
Some lenders offer renovation financing or construction draws. Private bridge financing also available for major renovations.
Document rental income (lease agreement, rental history) for the next refinance qualification.
Access increased equity after renovation — up to 80% LTV. This funds the next property.
Each cycle builds the portfolio. Lender selection becomes increasingly important as the portfolio grows.
Finance Your Calgary Investment Property
Deane matches investors to the right lenders. Free advice.
Frequently Asked Questions
Build Your Calgary Rental Portfolio
Deane finds investor-friendly lenders across 50+ options. Free consultation.