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Investment Property Mortgage

Secure Financing for Your Next Investment Property

Investment & Multi-Residential Property Mortgage Solutions in Canada

Are you looking to grow your real estate portfolio, earn passive rental income, or finance a multi-residential property? Whether you’re a first-time investor or a seasoned landlord, Nirvana Mortgages provides tailored mortgage solutions for investment properties and multi-unit buildings across Canada.
We work closely with over 30 lenders to secure competitive rates and flexible financing options so you can maximize your returns while building long-term wealth through real estate.

What Is an Investment Property Mortgage?

An investment property mortgage is financing used to purchase real estate that is not your primary residence — such as a rental house, condo, duplex, or a multi-unit building.

Unlike residential mortgages, lenders typically require:

  • Higher down payments (usually 20%+)
  • Stronger income documentation
  • Proof of rental income (actual or projected)

We’ll walk you through the process and help you structure a mortgage that supports your investment goals, whether short-term gains or long-term rental income.

Multi-Residential Mortgage Solutions

If you’re purchasing or refinancing a property with 5 or more units, you’ll need a commercial or multi-residential mortgage. These deals are more complex, but our experienced team will:

  • Analyze the income potential of the property
  • Navigate CMHC-insured financing (if applicable)
  • Help with zoning, environmental, and building condition reviews
  • Package your application for top-tier lenders or private funders

We handle:

  • Apartment buildings
  • Student housing
  • Mixed-use (commercial + residential) properties
  • Rent-to-own models
  • Affordable or subsidized housing

Whether you need CMHC-insured financing or private lending for quick acquisitions, we’ve got your back.

Mortgage Solutions for All Types of Real Estate Investors

We provide customized financing for:

  • First-time landlords
  • Experienced portfolio holders
  • Flippers and buy-renovate-rent-refinance (BRRRR) investors
  • Corporate or holding company purchases
  • Non-residents investing in Canadian property

We understand that investors have unique needs — from cash flow optimization to exit strategies and we’ll structure your mortgage to align with your financial roadmap.

Why Mortgage with Us?

Key Features of Our Investment Property Mortgage Options

  • Competitive rates from A-lenders, credit unions & alternative lenders
  • Up to 80% Loan-to-Value (LTV) for residential rentals
  • 65–75% LTV for commercial multi-residential buildings
  • Interest-only and interest + principal options available
  • Rental income is considered in the qualification
  • Blanket mortgages for multiple properties

Who We Work With

We arrange financing with:

  • Top Canadian banks
  • Credit unions
  • CMHC-insured lenders
  • Trust companies
  • Private and institutional lenders

And we guide clients with:

  • Strong or limited credit
  • Self-employed or foreign income
  • Holding companies or joint ventures
  • Complex property portfolios

GET IN TOUCH

Get a Free Expert Consultation For Your Mortgage

Connect Now

Talk to Our Expert

Mr. Vishnu Nirvana

Strategic Mortgage Financing Advisor

Vishnu Nirvana is a seasoned Mortgage Financing Specialist committed to delivering tailored financial solutions for buyers and investors across Canada. With a sharp understanding of market trends and lending landscapes, Vishnu transforms complex financing challenges into seamless, advantageous outcomes.

Our team has helped hundreds of Canadian investors:

  • Build wealth through strategic financing
  • Scale from single-family homes to apartment buildings
  • Navigate complex multi-residential mortgage approvals
  • Secure funding even with unconventional income or structures

Investment Mortgage Calculator & Analysis

Use our Investment Property Calculator to:

  • Estimate cash flow and net income
  • Calculate ROI and cap rates
  • Compare fixed vs. variable rates
  • Project property appreciation over time

We’ll help you make informed, numbers-driven decisions to grow your portfolio smartly.

Investment Property Calculator

FAQs

Got a Question?

Typically, 20% for 1–4 unit properties. For 5+ unit buildings, the down payment can vary between 25%–35%, depending on income and location.

Yes. Most lenders will accept appraised or market rent to support your application.

Absolutely. Many investors access equity from existing real estate to fund additional purchases.

CMHC insurance is optional but can reduce your rate and down payment requirements. We’ll help assess whether it’s right for you.

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