Real estate is one of Canada’s most powerful wealth-building tools, but financing investment properties isn’t always straightforward. Whether you’re purchasing your first rental or expanding a portfolio, lenders apply stricter rules — from higher down payments to limits on how many properties you can hold. At Sunlite Mortgage, we understand these challenges and work with investors to create solutions.
If you’re searching for an Investment Property Mortgage, you don’t just need a lender — you need a problem solver. That’s why we focus on Choice, Counsel, Convenience, and Competitive Rates. With access to Canada’s top lenders, tailored advice, and smart financing strategies, we’ll help you grow your portfolio without hitting unnecessary roadblocks.
For real investors, the question isn’t just “how much can I buy?” but also “how will this affect my ratios and future borrowing power?” Your costs depend on down payment, rental income offsets, and debt obligations, but the process always begins with a clear plan. At Sunlite, we show you the numbers, outline the risks, and structure financing so your property cash flows today while setting you up for future growth.
Our tools make the numbers clear while our experts provide the strategy:
These tools provide clarity, but it’s our problem-solving counsel that gives peace of mind. Together, they make investing easier and more profitable.
Most lenders require at least 20% down for a non-owner-occupied property. Want to buy a rental property with as little as 5% down? Talk to us.
Yes. Lenders typically allow 50–80% of rental income to be added to your affordability ratios. We’ll structure your application, so it works in your favour.
Cash damming lets you redirect rental income toward personal expenses while borrowing for property costs. Over time, this shifts personal debt into tax-deductible investment debt.
Most lenders cap residential mortgages at four properties. Beyond that, files often move to commercial rules. Sunlite can introduce you to lenders who will finance ten or more properties.
A HELOC gives you access to equity for down payments, renovations, or cash flow management. It’s one of the most flexible tools for scaling a portfolio. Learn more about HELOCs.
