Investment Property Mortgage

Our Services – Investment Property Mortgage

Buying an investment property can be a powerful way to build long-term wealth—but it comes with different rules, risks, and requirements than buying a primary home.

At Anton Mortgage, we help you navigate the complexities of financing rental or income-producing properties, so you can invest with confidence and clarity.

What is an Investment Property Mortgage?

An investment property mortgage is a loan used to purchase residential real estate you do not occupy—typically rented out to generate income.

Unlike primary residences, investment properties often require larger down payments, higher interest rates, and stricter qualification standards. That’s why working with a knowledgeable mortgage partner matters.

Key Benefits of Financing Through Anton

Access to Top-Tier Lenders:
We match you with lenders who specialize in investment properties—whether you're buying your first rental or growing a portfolio.

Customized Structuring:
We help you decide how to structure the mortgage: personal vs. corporate name, fixed vs. variable, short-term vs. long-term holding.

Rental Income Considered:
We work with lenders that allow rental income to boost your borrowing power—using add-back or offset methods.

Equity Leverage:
Use equity from your current property to fund the down payment or increase your buying power.

Common Questions About Investment Property Mortgages

How much is the down payment for an investment property?

• Minimum 20% for 1- to 4-unit rental properties (uninsured mortgages)

• More for commercial/multi-unit properties or when rental income doesn’t offset carrying costs
  CMHC no longer insures mortgages on non-owner-occupied properties, so these are conventional loans.

What are the current mortgage rates for investment properties?
Rates are typically 0.25% to 0.75% higher than primary residence rates due to increased risk. We shop across lenders to secure the most competitive terms.

How does rental income affect qualification?
Depending on the lender:

• Some use rental add-back (include a portion of gross rent in your income)

• Others use rental offset (reduce your carrying costs based on rental income)
  We’ll choose the method that maximizes your purchasing power.

Can I buy under a corporation?
Yes—but not all lenders support corporate structures. It may offer tax benefits but comes with stricter underwriting. We’ll walk you through pros, cons, and eligibility.

How Anton Mortgage Helps Investors Succeed

Portfolio Strategy:
We help you think beyond this one purchase—structuring financing to leave room for future acquisitions.

Full Transparency on Costs:
We account for closing costs, property taxes, insurance, and vacancy risk—so you buy with eyes open.

Lender Matching:
Some lenders are better for short-term flips; others for long-term hold strategies. We pair you with the right fit.

Paperwork & Process Simplified:
We handle approvals, income verification, appraisals, and timelines—so you can focus on your investment.

Ready to build your real estate portfolio?
Book a free consultation with Anton Mortgage and take the guesswork out of investment property financing.