A financing review for your investment goals
A realistic look at rental-income treatment
Options for purchase, renovation, or refinance
Look at the whole portfolio
Review property income, operating expenses, vacancies, existing mortgages, and your personal borrowing. Lenders may assess rental income and expenses differently.
Match the loan to the property
Property type, unit count, rental use, and your financial profile affect lender options. Purchase, renovation, and refinance strategies require different documentation and may involve different down payments.
Plan for the unexpected
Maintenance, vacancies, insurance, taxes, and interest changes can affect cash flow. Lorika can discuss financing structures while your accountant and lawyer review tax and ownership implications.
Your questions, answered.
Can rental income help me qualify?
It may. Lenders use different methods and may recognize only part of the rent or apply expense allowances. Property documentation is required.
Is an investment mortgage the same as a home mortgage?
Not always. Down payment, rate, lender selection, and underwriting can differ for non-owner-occupied properties.