Investment Property Mortgages
Investment & Rental Property Mortgages – Winnipeg & Manitoba
Build your real estate portfolio with expert mortgage guidance.
Build your real estate portfolio with expert mortgage guidance.
Investment financing is more complex — and banks don't always love rental income files.
At The Spooner Group, we structure your application in a way lenders understand.
Live in one unit, rent the other
Traditional rental properties
Higher income potential properties
We help you calculate whether a property will generate positive monthly cash flow after all expenses, ensuring your investment makes financial sense.
Pull equity from your current home to fund the down payment on your next rental property — a common strategy for growing portfolios quickly.
Use a Home Equity Line of Credit for flexible access to funds for renovations, down payments, or short-term investments.
Smart use of existing equity to acquire additional properties and accelerate your portfolio growth without draining liquid capital.
Choose the right amortization period to balance cash flow with long-term equity building — 20, 25, or 30 years depending on your goals.
Navigate complex qualification when you already own multiple properties — we know how to structure your application to maximize approval odds.
Every lender treats rental income differently.
How lenders reduce your rental income (typically 20-50%) to account for vacancies and maintenance costs. We work with lenders who use the most favorable offset calculations.
Adding future rental income to your application when purchasing investment properties — critical for qualifying for additional mortgages.
Some lenders require a history of rental income before they'll count it. We know which lenders accept projected rental income for new investors.
Airbnb and short-term rental income is treated differently by lenders. We match you to lenders who understand and accept this income type.
If traditional banks say no, we have access to alternative and private lenders who specialize in investment properties with unique situations.