Mortgage solution
Rental buildings and projects
A lender never credits all of the rent. The gap between what you collect and what it counts decides how much you can finance.
Read the project like a lender
The leases, the rents actually collected and verifiable expenses: taxes, insurance, maintenance, heating if you pay it. What the file turns on is the spread between income and those costs, not the asking price.
Do not overstate income
Lenders credit 50% to 80% of rents, and rent never declared to the tax authority counts for nothing, whatever you actually receive. Your tax filings weigh more than the leases alone.
Prepare the next acquisition
If you want to buy more properties, today’s structure matters. Term, amortization, liquidity and personal debts all shape the next project.
Documents to gather
What the lender will ask for.
- Leases and rents
- Property expenses
- Down payment
- Vacancy risk
- Planned work
- Next purchase plan
Frequently asked
How much of the rent counts toward qualifying?
Usually 50% to 80%, depending on the lender and the documentation. That margin covers vacancy and upkeep. The percentage varies enough between lenders to change your eligibility on the very same building.
Current rates
Today’s rates, with the fine print.
These rates are indicative. Yours depends on your file, the type of mortgage (insured or not) and the lender. And look at the penalty too, it matters as much as the number.
Have your file reviewed before you commit.
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Pick the situation closest to yours.
Contact
Tell Mathieu about your project
Buying, renewing, refinancing, or something a bit out of the ordinary: tell us where you’re at, even if it’s still fuzzy. Mathieu gets back to you with next steps and the documents to pull together.
- Your request goes directly to Mathieu
- Across Quebec, in French and English
- No fee on most residential files