Mortgage services
Investment properties
Buy with confidence by understanding the numbers, the rules, and the strategy.
Real estate can be a strong long term investment when the numbers work and the plan is clear. If you are buying a rental, we help you understand how lenders view rental income, what qualification rules apply, and what down payment requirements may look like. We keep the focus on clear math and practical expectations.
What you will learn
- How lenders treat rental income
- Typical down payment expectations
- What cash flow really means in real life
How it works
A clear plan from first call to closing
01.
We discuss your strategy and target property type
02.
We estimate qualification using your income and rental assumptions
03.
We explain down payment rules and lender options
04.
We structure financing to support cash flow and flexibility
05.
We support approval through closing and beyond
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Income verification
- Down payment confirmation
- Current mortgage statements if applicable
- Details on the property and expected rent if available
Related services
Explore other mortgage options
Purchase
A clear mortgage plan makes buying feel calmer, easier, and more confident.
Refinance
Use home equity to simplify debt, fund plans, or improve monthly cash flow.
Vacation Homes and Cottages
Turn the dream into a plan with clear financing options and simple next steps.
Self Employed
We translate lender rules into a clear plan that fits how you actually earn.
Frequently asked questions
Answers to common questions
How much down payment do I need for a rental
Many rentals require a higher down payment than a primary home. We will confirm the minimum for your price and property type.
How is rental income counted
Lenders usually use a portion of market or lease rent. We will calculate using the lender guidelines.
Can I buy multiple properties
Yes, if your income and equity support it. We will plan a path that keeps qualification strong.
What expenses should I budget for
Include vacancies, maintenance, insurance, property taxes, and management costs if needed.
Do I need landlord experience
Not always. Some lenders are fine with new investors as long as the file is strong.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.