What down payment is required for an investment property in Canada?

For a non-owner-occupied investment property, the minimum down payment is 20%. If you plan to occupy one of the units in a multi-unit property (up to 4 units), you may qualify with as little as 5% to 10% down.

Can I use projected rental income to qualify for the mortgage?

Yes. Most lenders allow a portion (usually 50% to 80%) of the projected market rent to be added to your personal income, helping you qualify for a higher loan amount.

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