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© 2025 – All rights reserved. • Paragon Pragmatic Lending • 1915 Foxtail Terrace Kelowna BC V1P 1T9 • BCFSA Brokerage License X301089
Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash/rental damming involve risk—consult a qualified tax professional.
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Investment property financing

Structure rental purchases, DSCR files, and portfolio expansions with confidence.

Portfolio planning without guesswork

We compare lender appetite for long-term, short-term, and multi-unit rentals. Cash-flow analysis, DSCR ratios, and rental damming considerations are all included so you stay compliant and profitable.

What’s included

Full rental worksheets, market rent guidance, and vacancy stress tests. We integrate the data into Smart Finder so each offer shows exact qualifying rates and lender features.

Need corporate structures or complex ownership? We coordinate with your accountant and lawyer while keeping Supabase records aligned with regulators.

Benefits

  • Access to rental-friendly lenders with offset or DSCR programs.
  • Clear visibility into taxes, insurance, and capital reserve expectations.
  • Integration with renewal reminders and refinance planning when equity grows.

Risks & mitigation

Rental properties carry vacancy, rate, and regulatory risk. We document contingency plans, ensure CASL consent for tenant communications, and loop in tax professionals when Smith Manoeuvre/Maneuver or rental damming enters the plan.

Tools

  • DSCR calculator to validate lender thresholds.
  • Rental qualifier for offset/add-back scenarios.
  • Refinance analyzer for portfolio equity moves.

Frequently asked questions

How do lenders underwrite rental income?

Policies vary—some use 50% add-back, others use offset or DSCR. We shop the right lenders, document leases, and model vacancy to keep ratios compliant.

Can I use a HELOC for the down payment?

Yes, with the right structure. We map interest-only payments, Smith Manoeuvre / Maneuver considerations, and tax deductibility with your accountant.

What about short-term rentals?

We flag municipal bylaws, licensing, and insurer requirements so you know the risk if you plan an Airbnb or vacation rental strategy.

Ready when you are

Hold a rate, book time with the Broker team, or jump straight into the secure dashboard.

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Information is general and not legal, tax, or investment advice. Investment strategies carry tax and regulatory implications—consult qualified professionals.