Rental Property Mortgages
The ultimate guide for real estate investors
Whether you’re a seasoned investor or taking your first step into rental property ownership, securing the right mortgage strategy is crucial to long-term success. At Better Mortgage Select, rental property financing isn’t just something we do—it’s what we specialize in. Our award-winning mortgage professionals have helped thousands of investors secure financing for single-family rentals, multi-unit properties, and large-scale portfolios.
Real estate investing requires a strategic approach, and we ensure that your financing is structured to maximize returns, increase borrowing power, and support your long-term wealth-building goals.
“Ninety percent of all millionaires become so through owning real estate.” – Andrew Carnegie
Why real estate is the #1 wealth-building strategy
Real estate investing has been a cornerstone of wealth generation for decades. Here’s why it continues to outperform other asset classes:
Strong, consistent demand
- Rental demand is at an all-time high due to rising home prices, making it more challenging for Canadians to buy homes.
- Immigration and urbanization continue to fuel rental market growth.
Leverage = higher returns
- Unlike stocks, real estate allows investors to leverage financing to purchase assets worth significantly more than their upfront investment.
- Mortgage financing can amplify returns compared to investing in stocks, which require full upfront capital.
Cash flow & passive income
- Monthly rental income covers expenses and generates positive cash flow.
- Cash flow can be reinvested into additional properties or used for lifestyle expenses.
Appreciation & long-term growth
- Historically, real estate values in major Canadian markets like Toronto, Vancouver, Calgary, and Montreal have steadily increased.
- Well-located rental properties experience strong capital appreciation, boosting net worth over time.
| Metric | Real Estate | Stocks |
| Leverage | High (mortgages allow greater asset control) | Limited (margin accounts carry risk) |
| Cash Flow | Yes (rental income covers expenses) | No (dividends are inconsistent) |
| Inflation Hedge | Strong (property values rise with inflation) | Weak (inflation erodes stock value) |
| Tangible Asset | Yes (real estate has intrinsic value) | No (stocks are intangible) |
What sets Better Mortgage Select apart for investors?
Industry-leading expertise
in rental mortgages
Our team specializes in rental property financing. We understand:
- The best lenders for investment properties.
- How to structure mortgage applications to maximize borrowing power.
- Strategies to finance multiple properties.
Tailored financing strategies
for portfolio growth
We provide:
- Financing solutions for BRRRR strategies (Buy, Renovate, Rent, Refinance, Repeat).
- Equity takeout strategies to fund additional property purchases.
- Creative lending solutions for multi-unit and mixed-use properties.
Strong relationships with investor-friendly lenders
We work with banks, credit unions, monoline lenders, and private lenders who offer exclusive mortgage programs tailored for real estate investors.
Personalized investment roadmap
We assess your financial position and help you build a custom mortgage strategy to scale your portfolio efficiently.
How we help investors secure the right mortgage
Unlocking equity for additional purchases
- Tap into your existing home equity to fund new investments.
- HELOCs (Home Equity Lines of Credit) provide a revolving source of funds for ongoing acquisitions.
Maximizing borrowing power
- We structure your financing to increase lender approval odds and maximize loan amounts.
- Specialized lenders allow investors to hold multiple rental property mortgages with ease.
Optimizing mortgage structures
for cash flow
- We tailor mortgage terms, amortizations, and repayment options to ensure rental properties generate positive cash flow.
- Interest-only payment options can be utilized for select investor mortgage products.
Finding the right lender for
your strategy
- Traditional banks: Best for investors with strong income and lower debt ratios.
- Monoline Lenders: Flexible policies on rental properties.
- Alternative Lenders: Solutions for self-employed investors and those with high debt ratios.
- Private Lenders: Short-term financing options for fix-and-flip strategies or unconventional properties.
Navigating the evolving real estate
investment landscape
With housing affordability challenges rising, the demand for rental housing in Canada is stronger than ever. Investors who build strategic, well-financed portfolios will be well-positioned to benefit from:
- Higher rental yields in major urban centers.
- Increased property appreciation over time.
- Diverse investment opportunities, from single-family homes to multi-unit properties.
Real estate investing isn’t just for seasoned professionals anymore. Younger Canadians and first-time investors are entering the market, proving that real estate remains a highly accessible wealth-building tool when structured correctly.
Case study: How we helped an investor scale their portfolio
The Situation:
Emily, a Toronto-based investor, wanted to grow her real estate portfolio but faced challenges due to:
She owned 14 residential investment properties and when she tried to go to banks on her own to get pre-approved to buy more, they kept declining her, saying she had too many investment properties.
The Solution:
We structured her file and submitted the application to a ‘Big 6’ bank that allows investors to continue purchasing investment properties up until the time they exceed 40 doors (ie. 40 single family homes, 20 duplexes, etc.)
The results were:
- Emily was able to get pre-approved to continue scaling her real estate portfolio.
- She was also able to refinance several of her other investment properties that she had with banks that were no longer approving her, allowing her access to more capital to help with scaling her portfolio.
- Improved cash flow, allowing for future property acquisitions.
- Increased net worth and long-term financial security.
The Outcome:
- Emily purchased two additional rental properties with only $150,000 of her own funds.
- Improved cash flow, allowing for future property acquisitions.
- Increased net worth and long-term financial security.
Why choose Better Mortgage Select?
1. We specialize in rental property financing
- Decades of experience in investment mortgages.
- Exclusive lender programs designed for investors.
- A deep understanding of rental market trends.
2. We help you grow, not just get a loan
- Strategic guidance on scaling your portfolio.
- Personalized financing structures to maximize cash flow.
- Support beyond mortgage approval—ongoing investment advice.
3. We handle the heavy lifting for you
- Access to multiple lenders for the best rates.
- Seamless application and approval process.
- No wasted time—just expert, investor-focused solutions.
Invest with confidence and clarity
Our team structures rental financing for growth, cash flow,
and long-term success.
Take the first step toward real estate wealth
If you’re serious about building a real estate portfolio, partnering with the right mortgage professionals is essential. At Better Mortgage Select,
we provide the expertise, lender access, and financing solutions needed to help you scale your investments faster and smarter.
“At Better Mortgage Select, we don’t just secure mortgages—we help build futures.” – Daniel Patton
Let’s discuss your investment goals and tailor a financing strategy that sets you up for success. Contact Better Mortgage Select today!