Multi-Family Property Financing in Ontario
Build wealth through rental income. Get competitive financing for duplexes, triplexes, apartment buildings, and multi-unit investment properties.
Multi-Family Properties We Finance
From your first duplex to large apartment complexes, we have financing solutions for every scale.
Duplex (2 units)
20% downPerfect entry point for new investors
Triplex (3 units)
20% downBalance of scale and manageability
Fourplex (4 units)
20% downMaximum residential financing benefits
5+ Unit Buildings
25-35% downCommercial financing, institutional terms
Apartment Buildings
25-35% downLarger scale, professional management
Mixed-Use Properties
25-35% downRetail/commercial + residential combo
Benefits of Multi-Family Investing
Build generational wealth through strategic real estate investment.
Strong Cash Flow
Multi-family properties generate multiple income streams, reducing vacancy risk and increasing stability.
Portfolio Diversification
Real estate adds stability to your investment portfolio with tangible asset backing.
Favorable Financing
Lenders love multi-family—rental income helps you qualify for larger loans with better terms.
Scalable Growth
Managing 4 units isn't much harder than 2, but generates twice the income.
Your Path to Multi-Family Ownership
Investment Analysis
We review your goals, timeline, and the property's income potential to structure optimal financing.
Pre-Approval
Get pre-approved so you can move quickly when the right property appears.
Property-Specific Financing
Once you find a property, we secure the best terms based on its specific income and potential.
Close & Collect Rent
We handle the mortgage details so you can focus on tenant management and cash flow.
Multi-Family Financing FAQs
How do lenders evaluate multi-family properties?
Lenders look at the property's Debt Service Coverage Ratio (DSCR)—the ratio of rental income to mortgage payments. A DSCR of 1.2+ is typically required, meaning rental income should exceed mortgage payments by 20%.
Can I use rental income to qualify for the mortgage?
Yes! For investment properties, lenders typically count 50-80% of rental income toward your qualifying income. This is a major advantage of multi-family investing.
What's the minimum down payment for multi-family?
For 2-4 unit properties, 20% down is standard. For 5+ units (commercial), expect 25-35% down. Some programs allow less with CMHC insurance.
Should I buy a fixer-upper multi-family?
Value-add properties can be excellent investments. We can structure financing to include renovation costs, allowing you to increase rents and property value post-renovation.
Get Pre-Approved for Multi-Family Financing
Whether it's your first investment property or you're expanding your portfolio, we'll find the right financing to maximize your returns.
- Use rental income to qualify
- Competitive investment property rates
- Financing for 2-100+ unit buildings
Request Your Free Consultation
Share a few details about your situation and our team will reach out within one business day. No obligation, no pressure — just expert advice tailored to your needs.
Speak with a Professor
Schedule a complimentary 30-minute consultation with our team. We'll review your situation, walk you through the options, and outline a path forward — no obligation.
Or call 647-955-9400
Loading scheduling...