Build Your Portfolio Strategically
Investment Property Financing
Whether it is your first rental or your tenth, Jay structures investment property financing to maximize cash flow, minimize risk, and keep your portfolio growing with the right leverage strategy.
Is This Right for You?
You're buying your first rental property in Calgary and want to structure the financing for maximum cash flow
You already own rental properties and want to scale your portfolio without overleveraging
You want to refinance your existing home to pull equity for a down payment on an investment property
You're exploring multi-unit properties (duplexes, triplexes, fourplexes) and need financing that accounts for rental income
You're an experienced investor looking for a broker who understands portfolio lending and can keep up with your pace
What's Included
Rental income qualification optimization
Multi-unit property financing (up to 4 units)
Portfolio strategy and scaling roadmap
Cash flow analysis and stress testing
Refinance-to-purchase strategies
Access to investor-friendly lenders and programs
The Process
How It Works
Portfolio Strategy Call
Jay reviews your current holdings, equity position, income, and investment goals to build a customized acquisition or refinance strategy.
Cash Flow Analysis
Every property is analyzed for monthly cash flow, cap rate, and debt coverage ratio — so you buy based on numbers, not emotion.
Financing Structure
Jay determines the optimal financing approach — conventional, portfolio lending, or a refinance-to-purchase strategy — based on your portfolio size and lender appetite.
Lender Submission
Your application is submitted to investor-friendly lenders who use favourable rental income offset calculations, maximizing your borrowing capacity.
Approval & Conditions
Jay coordinates appraisals, rental agreements, and all lender conditions, ensuring the deal closes smoothly and on schedule.
Scaling Roadmap
After closing, Jay maps out your next move — when to refinance, when to purchase again, and how to keep your debt service ratios in line for continued growth.
Key Details
Min. Down
20%
Max Units
4
Investor Lenders
25+
Consultation
Free
Documentation
What You'll Need
T1 General tax returns (2 years) including rental income schedules (T776)
Notices of Assessment (2 years) from CRA
Current mortgage statements for all existing properties
Signed lease agreements or rental listings for existing and subject properties
Recent pay stubs or proof of employment income (if applicable)
Property appraisal or comparable sales data for the subject property
Requirements
Eligibility
Minimum 20% down payment for all investment property purchases (25% for some lenders and multi-unit properties)
Sufficient income to pass the stress test with all existing debts and property obligations included
Credit score of 680+ for most A-lender investment property programs
Existing properties must be in good standing — no arrears on current mortgages, taxes, or condo fees
Signed lease agreements or market rent appraisal for the subject property
Calgary & Alberta Advantage
Alberta offers significant structural advantages for real estate investors. The absence of a provincial land transfer tax means every property acquisition costs thousands less in closing fees compared to Ontario (where land transfer tax alone can exceed $10,000 on a $500,000 property) or BC. This directly improves your cash-on-cash return for every property you add to your portfolio. Calgary's rental market has tightened considerably due to strong population growth — Alberta led all provinces in net interprovincial migration in recent years. This has pushed vacancy rates down and rents up across the city, particularly in established communities and near the University of Calgary, SAIT, and downtown core. Jay helps investors analyze specific Calgary neighbourhoods, run cash flow projections, and structure financing to scale efficiently across multiple properties.
Common Questions
Frequently Asked
Ready for Clarity?
Book a free consultation with Jay to discuss investment property financing strategy for your situation.
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