Rental income

Small multiplex financing

Posted byby The Research Bureau to Get [ your home ]

Can You Use Rental Income to Qualify for Multiplex Financing in Ontario?

Want to use rental income for multiplex financing in Ontario? Lenders only count 50-80% and documentation requirements will surprise you.

Investment Property Strategy

Posted byby The Research Bureau to Get [ your home ]

How to Prepare for OSFI 2026 Changes Before They Take Effect

Secure pre-approvals and lock rates now before OSFI 2026 slashes rental income treatment to 50% and destroys your borrowing power.

Investment Property Strategy

Posted byby The Research Bureau to Get [ your home ]

Pre-2026 Rules vs Post-2026 Rules: Qualification Differences

Stricter 2026 mortgage rules slash rental income credit and trigger investor penalties—discover which threshold will quietly disqualify your next purchase.

Garden Suite Properties

Posted byby The Research Bureau to Get [ your home ]

Can I Use Future Laneway Income to Qualify for a Mortgage Now?

Only documented laneway rental income counts for mortgage qualification—future projections almost never work, but strategic exceptions exist.

Legal Suite Properties

Posted byby The Research Bureau to Get [ your home ]

Why Your Lender Discounts Your $2000/Month Suite to $1000

Gross rental income gets slashed in half by lenders who fear vacancies, defaults, and midnight emergencies you haven't planned for yet.