Know the numbers before you buy
Most brokers quote you a payment. With 20+ years in equity and investment analysis, I underwrite the property first — cash flow, cap rate, debt coverage, and your real return over the hold — then structure the financing around a deal that actually works.
Financing is the last step. The numbers come first.
Almost anyone can arrange a mortgage on a rental. Far fewer can tell you whether it's a good investment. Buyers routinely commit hundreds of thousands of dollars on a gut feel and a gross rent figure — no real underwriting of the cash flow after vacancy, the true operating costs, or the return on the cash they're actually putting in. That gap is where deals go wrong. It's also exactly what I close before you sign anything.
Investment Property Types We Finance
From a single rental unit to a small apartment building, every property gets the same treatment — underwritten on its numbers, then matched to the right lender.
- 20% down minimum
- Competitive rates
- Quick approvals
- Portfolio lending
- Cash flow analysis
- Flexible terms
- Custom financing
- Long-term rates
- Professional service
Investment Strategies We Support
Whether you're just starting or expanding your portfolio, we have financing solutions for your strategy.
Purchase properties for long-term rental income and appreciation. Build wealth through cash flow and equity growth. Includes furnished and mid-term rental structuring, where the income and cost profile differ from a standard long-term hold.
Short-term financing for property renovation and quick resale. Fast approvals and flexible terms.
Investment Property Analysis
A full underwriting of a rental — cash flow, cap rate, debt coverage, and a five-year return with the eventual sale. Built the way an analyst looks at any asset, not just a payment quote.
Monthly Cash Flow
Investment Summary
Disclaimer: This calculator provides estimates for educational purposes only. Payments use Canadian semi-annual compounding; the 5-year IRR assumes rent and value grow at the appreciation rate you enter and a ~5% cost of sale. Actual returns vary with market conditions, financing, vacancy, and taxes (including CCA and recapture). Consult a qualified mortgage professional and tax advisor before investing.
Why work with me on this
The difference isn't the rate sheet — every broker has one. It's who reads the deal.
An Analyst's Read
20+ years in equity and investment analysis, including Level I of the CFA Program. I read a rental the way an analyst reads any asset.
Real Underwriting
Cash flow after vacancy, cap rate, debt coverage, and a multi-year return with the eventual sale — not a payment quote dressed up as analysis.
Financeability, Solved
DSCR is where investor deals live or die. I tell you upfront whether it finances cleanly and how to structure it if coverage is thin.
One Relationship
The analysis and the mortgage come from the same person. The numbers inform the financing, and the financing reflects the numbers.
Thinking about a rental? Run the numbers with me first.
Send me the property and your assumptions. You'll get a straight read on whether it works — and a financing plan built around it.