Apartment financing, built to scale.
“I'm ready to scale past a single rental property.”
From duplexes to full apartment buildings, purchase, refinance and CMHC-insured programs that reward the right project with better leverage and longer amortizations.
FSRA licensed · 70+ banks & lenders · 20+ years experience
Every size of multi-unit
The rules change as the building grows. Knowing which lending box your property fits, residential, commercial or CMHC-insured, is most of the battle.
2-4 unit properties
Duplexes, triplexes and fourplexes qualify under residential rules, with rental income helping you carry the mortgage, live in one unit or rent them all.
5+ unit apartment buildings
Five doors and up moves you into commercial multi-unit lending, underwritten on the building's rent roll and operating numbers, not just your personal income.
CMHC-insured multi-unit
Insured programs offer the best rates in the market, higher leverage and amortizations far beyond conventional loans for qualifying buildings.
Mixed-use buildings
Storefront below, apartments above, financed with lenders who actually like that mix.
Underwriting a building is a different sport
Rent roll & DSCR prep
Multi-unit deals are won in the file. We package rent rolls, operating statements and debt-coverage math the way lender credit desks want to read them.
The right program first
Conventional, alternative or CMHC-insured, choosing the wrong path costs months. We map the options against your building and your timeline up front.
Portfolio strategy
Financing structured with the next purchase in mind, so today's mortgage doesn't box in tomorrow's growth.
Frequently asked
How much down do I need for a multi-unit building?
Does the building's rent count as my income?
Is CMHC multi-unit insurance worth the premium?
Other ways we can help
Renewal & Switch
That's how 1.15 million renewals go this year, signed, not shopped. However close your date is, there's room in that letter. See what yours isn't telling you.
Learn more →Mortgage Refinance
Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.
Learn more →Second Mortgage
A second sits behind your first, the low rate stays exactly where it is, and can fund in days, not weeks. See when a second beats a refinance, and when it doesn't.
Learn more →Your next step starts with a conversation.
Free, confidential and no-obligation. Bring your questions, leave with a plan.