Thinking about investing in a rental property

Buying your first home, next home, or investment property can be scary. A poor decision can cost you thousands of dollars over time. At Lang Financial, our goal is to help you make the best possible decisions.

I study the market to connect you with the right rates with the right terms for your circumstances. I do it with patience, plain language, and superior market expertise. We work with over 20 lenders to get you the right mortgage.

I don’t just want to get you a mortgage – I  want to educate you and give you the confidence to understand the process and requirements. Also to give you peace of mind to know you have made the right decision for that large investment. Buying property should be more joyful than stressful. I can help make it so.

income property
What is the difference between a rental and a non rental.

A owner occupied property is one you live in. Obviously an investment property or a rental is one that you own but have someone else living in the house and paying you rent. There are differences in buying a owner occupied property and an income property. There are cases such as a duplex and you live in one side – this is considered a owner-occupied property.

For homeowner loans ( owner-occupied properties), the loan to value ratio for 1-2 units is up to 95% LTV. For 3-4 units, the ratio is up to 90% LTV (Loan to Value).

For small rental loans (non-owner occupied), the loan to value ratio for 2 – 4 units is up to 80%. When you purchase a rental, you need to put a minimum of 20% down payment.

You will need to service the mortgage as you would any other mortgage but you can use the monthly rent to help out the ratios. Different lenders have different ways of calculating the net rental income.


At Lang Financial, we service customers across Canada. Primarily, we offer mortgages in the Winnipeg, Manitoba area.

I work with Castle Mortgage, Castle Insurance and TMG The Mortgage Group – an award-winning Canadian mortgage brokerage with a national team of over 800 qualified and accredited mortgage brokers, agents and associates providing residential and commercial mortgage services. Since 1990, TMG has helped over a quarter million Canadians get the best financing solutions and mortgage rates through Canadian mortgage lenders from coast to coast.