Mortgage Financing
Multi-Residential Financing
Whether you own a duplex, triplex, or a larger income property, we structure the right financing for your investment — with access to lenders who specialize in multi-unit residential buildings.
Emmanuel Basal carries out his mortgage brokerage activities on behalf of NordEst, cabinet en courtage hypothécaire.
→ Contact EmmanuelWhat Is Multi-Residential Financing?
Multi-residential financing covers mortgage products designed for properties with 2 or more units — from small plexes to larger apartment buildings. Unlike a standard residential mortgage, these files are evaluated based on both your personal financial profile and the income-generating potential of the property. The right structure can make a significant difference in your cash flow and long-term returns.
Who Is This For?
First-time investors
Buying your first duplex or triplex and want to understand your financing options.
Existing landlords
Looking to refinance, pull equity, or acquire additional income properties.
Real estate developers
Financing new multi-unit construction or conversion projects.
Portfolio holders
Managing multiple properties and seeking to optimize your financing structure.
Key Considerations
Rental Income Assessment
Lenders evaluate the actual or potential rental income of the property as part of your qualification — this can work in your favour.
Down Payment Requirements
Multi-residential properties typically require a minimum 20% down payment. CMHC insurance may be available for properties up to 4 units.
Documentation
Expect to provide leases, rent rolls, and property financials in addition to your personal income documents.
Lender Selection Matters
Not all lenders treat multi-residential files the same way. We work with lenders who understand income properties and can structure competitive terms.
Our Process
Property & Income Review
We assess the property type, unit count, current rents, and your investment goals.
Lender Matching
We identify lenders best suited to your file — conventional banks, credit unions, or alternative lenders.
File Preparation
We compile your personal and property documents and present your file in the strongest possible light.
Approval & Closing
We guide you through conditions, appraisals, and closing — keeping you informed at every step.
Ready to Finance Your Income Property?
Book a free consultation and let us structure the right solution for your multi-residential project.