Rental & Investment Property Mortgages in Ottawa

Talk to me before you buy property #1, not after #3.

Investing in real estate is one of the best ways to build long-term wealth. But your mortgage strategy matters as much as the property. The wrong lender on your first rental can limit how many more you can buy.

How I help

• Pick lenders that fit your plan. Some lenders subtract rent from your expenses; others add it to your income. On a portfolio, that difference is huge.
• Plan the next purchase from the start. We structure today's mortgage with your next property in mind.
• Cover every type of rental: condos, single-family homes, duplexes, triplexes, and buying a multi-unit property you'll live in.

Questions I hear most

"How much do I need for a down payment?"
Usually 20% on a pure rental. If you live in one of the units of a 2 to 4 unit property, it can be much less.

"Does rental income count toward qualifying?"
Yes, but how much counts depends on the lender. That's exactly why lender choice matters.

"Can I use equity from my home to invest?"
Often, yes, through a refinance or HELOC.

Your next step

Let's map out your investing plan, not just your next mortgage. I work with clients in English, Hebrew and Russian.