Jayden Backs Mortgage
Investment Property Mortgages in Calgary, AB
Financing for rentals and income properties, structured so your portfolio can keep growing.
- Lenders that count rental income toward your approval
- Financing for single rentals and multi-unit properties
- Structures that keep you able to buy the next property
- Guidance on down payment, taxes, and cash flow
An investment property can be one of the steadiest ways to build wealth, but the financing works differently from a home you live in. Down payment rules are stricter, lenders treat rental income in their own ways, and the structure of each mortgage affects whether you can buy the next one. My team and I finance rentals and income properties across Alberta, and we plan every deal with your bigger picture in mind.
Financing that fits a rental
A standard rental you won’t live in generally needs at least 20% down. Rates and rules differ from owner-occupied mortgages, and not every lender wants investor business. My team and I work with the lenders that genuinely do — for single-family rentals, condos, and multi-unit buildings — and match you to the one whose terms fit your property and your goals.
Making rental income count
The income a property generates can do real work on your application. Most lenders add a share of the expected or actual rent to your qualifying income, and a stronger income picture means a larger approval. How much rent counts, and how it’s applied, varies a lot between lenders — which is exactly where comparing the whole market pays off.
Structured so you can keep growing
Investors rarely stop at one property. The way today’s mortgage is structured — the lender, the product, how the debt reports — directly affects your ability to qualify for the next purchase. My team and I think a few moves ahead, so financing this property doesn’t quietly block the one after it.
Build your portfolio in Calgary
Whether it’s your first rental or your fifth, let’s structure it properly. Call (587) 815-5161 or book a free consultation, and my team and I will map out the financing.
Investment Property Mortgages: common questions
How much down payment do I need for a rental property?
A non-owner-occupied rental usually needs at least 20% down. If you will live in one unit of a multi-unit property, the minimum can be lower. My team and I confirm the exact figure for your plan.
Will lenders count my rental income?
Many will. Most lenders add a portion of the property's rent to your income, which can meaningfully boost what you qualify for. The percentage they use varies, so comparing lenders matters.
Can I keep buying more investment properties?
Yes, with the right structure. How each mortgage is set up affects your ability to qualify for the next one, so my team and I plan financing with your longer-term portfolio in mind.
Areas I cover
Jayden Backs Mortgage helps with investment property mortgages across Calgary , Airdrie , Cochrane , Chestermere , Okotoks , Crossfield , Carstairs , Didsbury , Olds , Innisfail , Red Deer , High River , Nanton , Claresholm , Fort Macleod , Lethbridge , Edmonton , St. Albert , Sherwood Park , Spruce Grove , Stony Plain , Leduc , Beaumont , Fort Saskatchewan , Fort McMurray , Grande Prairie , Cold Lake , Lloydminster .
Let's talk about investment property mortgages
Book a free, no-obligation consultation with Jayden Backs Mortgage — licensed advice and dozens of lenders, all in your corner.
Call (587) 815-5161